Building a Growth Platform for the Payments Business through 4 Digital Transformation Initiatives

「In addition, the company's initiatives under its Digital Transformation strategy, formulated in September 2021 as the CSDX strategy, were recognized, and in April 2025 it was selected for the third consecutive year as a Digital Transformation Stock (DX Stock). The designation is made by the Ministry of Economy, Trade and Industry, the Tokyo Stock Exchange and the Information-technology Promotion Agency, Japan, from among companies listed on the Tokyo Stock Exchange that have established internal systems to promote DX contributing to higher corporate value and have demonstrated outstanding use of digital technologies.」

「さらに、2025 年９月にCSDX戦 略 の 新 た な フ ェ ー ズ と し て 、CSAX 戦 略 （Credit Saison AI Transformation）を策定し、OpenAI, Inc.が提供する企業向け生成AIサービス「ChatGPT Enterprise」を全社員に導入いたしました。AIの利活用を前提とした全社的な業務の再設計を推進し、生産性と創造性の両立を図ることで、より一層の業務効率化とお客様体験の向上を目指してまいります。」

「In addition, the Company’s initiatives under the digital transformation strategy (CSDX Strategy), formulated in September 2021, were recognized, and in April 2026 the Ministry of Economy, Trade and Industry, the Tokyo Stock Exchange and the Information-technology Promotion Agency, Japan selected the Company for the fourth consecutive year as a “Digital Transformation Stock (DX Stock),” a designation for companies demonstrating outstanding results in the use of digital technologies.」

「In addition, in September 2025, the company formulated the CSAX strategy (Credit Saison AI Transformation) as a new phase of the CSDX strategy and introduced the enterprise generative AI service ChatGPT Enterprise, provided by OpenAI, Inc., to all employees. The company is promoting the redesign of operations across the group on the assumption that AI will be used, with the aim of achieving both higher productivity and creativity, further improving operational efficiency and enhancing the customer experience.」

「Our initiatives under the CSDX strategy formulated in September 2021 were recognized, and in June 2024 we received the Excellence Award in the Business Transformation (BX) category at the Japan DX Awards 2024 organized by the Japan DX Awards Executive Committee. Going forward, we will promote digital transformation involving all employees by providing new customer experiences using digital technology and deploying company-wide the knowledge cultivated through in-house development, while working to create innovation.」

「Our initiatives under the CSDX strategy formulated in September 2021 were recognized, and in May 2023 we were selected for the Digital Transformation Stocks (DX Stocks) 2023 program selected by the Ministry of Economy, Trade and Industry and the Tokyo Stock Exchange. In December 2023, we updated the CSDX strategy based on the results and challenges of the system development process, aiming to establish a new development framework in which all employees can participate in promoting digital transformation. We will launch a digital certification program enabling employees to volunteer to participate and acquire knowledge of digital technologies such as data utilization, and establish a framework for using no-code and low-code development, which does not require specialized knowledge or skills, in line with the characteristics of each business and the issues to be addressed.」

「Our initiatives under the CSDX strategy formulated in September 2021 were recognized, and in May 2023 we were selected for the Digital Transformation Stocks (DX Stocks) 2023 program selected by the Ministry of Economy, Trade and Industry and the Tokyo Stock Exchange. Going forward, we will work to provide new customer experiences using digital technology and create innovation through digital talent, with the aim of creating further outstanding experiences.」

「We are also strengthening the CSDX strategy formulated in September 2021. In November 2022, we updated the basic framework and promotion targets and implemented initiatives including appropriate organizational placement aligned with the characteristics of each business and the level of digital adoption, to promote digital innovation. We will continue promoting the CSDX strategy, working to transform our business through the use of digital technology and aiming to become a company that leads the digital era by providing customer and employee experiences that exceed expectations.」

「We formulated our digital transformation strategy, the CSDX strategy, in September 2021, aiming to become a digitally advanced company that drives business transformation through the use of digital technology and provides customer experiences that exceed expectations. We established a company-wide, cross-functional framework for promoting digital transformation and are advancing business transformation through initiatives including the development of digital talent and the promotion of in-house development, while working to provide new customer experiences through our services.」

「To address these issues, we are working to build a foundation for returning to a growth trajectory by promoting 4 digital transformation initiatives in the areas of payments, related services, internal IT and marketing, as well as developing new products for young people, women and affluent customers.」