Business model transformation under the medium-term management plan ending in fiscal 2018

「We formulated a medium-term management plan through the fiscal year ending March 2027, with “GLOBAL NEO FINANCE COMPANY: A global comprehensive lifestyle services group with finance at its core” as our medium-term management vision and “Innovative,” “Digital” and “Global” as the core concepts.」

「We established a medium-term management plan through the fiscal year ending March 2025 based on the medium-term management vision of "Transforming into a comprehensive lifestyle services group: achieving customer success through the integration of the physical and digital," with "Innovative," "Digital" and "Global" as its core concepts.」

「Amid this business environment, we entered the second year of the medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement. We are working on “a growth strategy and structural reform in the payments business,” “digital innovation and the creation of new businesses,” “further expansion of the leasing and finance businesses,” and “expansion of the earnings base for our global business with a view to the future.”」

「Amid this business environment, we entered the second year of the medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement. We are working on “a growth strategy and structural reform in the payments business,” “digital innovation and the creation of new businesses,” “further expansion of the leasing and finance businesses,” and “expansion of the earnings base for our global business with a view to the future.”」

「Amid this business environment, we entered the second year of the medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement. We are working on “a growth strategy and structural reform in the payments business,” “digital innovation and the creation of new businesses,” “further expansion of the leasing and finance businesses,” and “expansion of the earnings base for our global business with a view to the future.”」

「To achieve the medium-term management plan, we are working to transform the Company into a finance company that provides optimal services for every money-related event in customers' lives, centered on payment services such as credit cards and prepaid cards.」

「To achieve the medium-term management plan, we are working to transform the Company into a finance company that provides optimal services for every money-related event in customers' lives, centered on payment services such as credit cards and prepaid cards.」

「Against this backdrop, we formulated a medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement.」

「Against this backdrop, in the final year of the medium-term management plan with “Neo Finance Company in Asia” as our medium-term management vision, and under our management philosophy of being a “service-leading company,” we worked to shift toward an innovative company that can continue responding to changes in customer values and the collapse of existing business models resulting from technological innovation, represented by FinTech, by adding “new strengths,” including the use of advanced technologies, to our “strengths to date.”」

「Against this backdrop, in the final year of the medium-term management plan with “Neo Finance Company in Asia” as our medium-term management vision, and under our management philosophy of being a “service-leading company,” we worked to shift toward an innovative company that can continue responding to changes in customer values and the collapse of existing business models resulting from technological innovation, represented by FinTech, by adding “new strengths,” including the use of advanced technologies, to our “strengths to date.”」

「As we enter the final year of the medium-term management plan with "Neo Finance Company in Asia" as its management vision, we will continue working to transform our business model in order to further strengthen our competitiveness in the market.」

「In the second year, we worked across the Group to transform our business model in order to further accelerate the pace of growth. Under our management philosophy of being a "service-innovating company," we worked to provide products and services that meet customer needs and enhance convenience, including pioneering adoption of cardless payment schemes such as mobile payments and creation of advanced points services to increase the value of "Permanent Points." We also worked to expand our retail finance business in Asia by applying expertise developed in Japan.」

「In the second year of the medium-term management plan with "Neo Finance Company in Asia" as its management vision, we have worked across the Group to transform our business model in order to further accelerate the pace of growth. Under our management philosophy of being a "service-innovating company," we worked to provide products and services that meet customer needs and enhance convenience, including pioneering adoption of cardless payment schemes such as mobile payments and creation of advanced points services to increase the value of "Permanent Points." We also worked to expand our retail finance business in Asia by applying expertise developed in Japan.」

「Against this backdrop, we entered the second year of the medium-term management plan with “Neo Finance Company in Asia” as our management vision and worked to transform our business model to accelerate growth further. Under our management philosophy of being a “service-leading company,” we sought to provide products and services that pursue customer needs and convenience, including pioneering responses to cardless payment schemes such as mobile payments and enhancing the value of “Eternal Points” through the creation of advanced rewards services. We also worked to build a foundation for remaining a growth company over the medium to long term, including by expanding our retail finance business in Asia using the expertise developed in Japan.」

「Against this backdrop, we formulated a medium-term management plan ending in fiscal 2018, with the management vision of becoming a "Neo Finance Company in Asia," in our challenge to become "a finance company unlike any other in Asia." Under our management philosophy of being a "service-innovating company," we worked to provide optimal solutions to individuals and corporations through diverse business areas centered on financial services and the development of strategic products and services, while also pursuing business model transformation to further strengthen our competitiveness in the market.」

「Under our management philosophy of being a "service-innovating company," we worked to provide optimal solutions to individuals and corporations through diverse business areas centered on financial services and the development of strategic products and services, while also pursuing business model transformation to further strengthen our competitiveness in the market.」

「Against this backdrop, we formulated a medium-term management plan ending in fiscal 2018, with the management vision of becoming a "Neo Finance Company in Asia," in our challenge to become "a finance company unlike any other in Asia." Under our management philosophy of being a "service-innovating company," we worked to provide optimal solutions to individuals and corporations through diverse business areas centered on financial services and the development of strategic products and services, while also pursuing business model transformation to further strengthen our competitiveness in the market.」