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Credit Saison (8253) · InitiativeNew members increased, while the member base contracted

Expanding the customer base through premium, co-branded and corporate cards

First written in FY2017-Q1. 12 of 31 entries say "Advanced", first in FY2017-Q2. Latest entry: FY2026.

31entries
11years
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ProgressHeldSoftenedWorseAdvancedFY2017-Q2 – FY2018OtherFY2019-Q1 – FY2021-Q3AdvancedFY2022-Q3 – FY2023-Q3OtherFY2024-Q3 – FY20262016: 220162017: 320172018: 420182019: 320192020: 320202021: 320212022: 320222023: 420232024: 320242025: 120252026: 22026
Same theme, other companies
Growth in cardholders and outstanding transaction balances through credit card sales expansionA theme 2 companies write about · 0 as a headwind · 2 as a tailwind

0 other companies' latest entry also says "Other".

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  1. FY2026Increase in new and active members and significant decrease in total membersAnnual report

    「The Company strategically focused on acquiring and developing highly active, high-value customers, mainly among premium customers with GOLD cards or higher and corporate customers, including sole proprietors and SMEs (Small and Medium Enterprises), with the aim of establishing a competitive advantage by building a highly profitable customer base.」

    Although the acquisition and development of highly active, high-value customers continued, new card members totaled 1.41 million, card members totaled 21.80 million, and annual active members totaled 13.58 million.
  2. FY2027-H1New members increased, while the member base contractedAnnual report

    「As a result, the main indicators for the interim consolidated accounting period were 760,000 new cardholders, up 6.1% year on year; 21.47 million cardholders, down 1.5% from the end of the previous fiscal year; and 13.49 million annual active cardholders, down 0.8% year on year.」

    While expanding the customer base through premium cards and other initiatives, the number of new members increased, whereas the total number of cardholders and annual active cardholders decreased.
  3. FY2025Decline in new members and contraction of the member baseAnnual report

    「There were 1.38 million new card members, down 19.9% from the previous fiscal year, 23.42 million card members, down 4.9% from the end of the previous fiscal year, and 13.53 million annual active card members, down 1.3% from the previous fiscal year.」

    Although premium and co-branded corporate cards and new services were expanded, new members, total members and annual active members all declined.
  4. FY2025-H1Decline in new members and contraction of the member baseAnnual report

    「Following the implementation of the measures described above, the key indicators for the interim consolidated accounting period were 630,000 new card members, down 23.2% year on year, 24.00 million card members, down 2.5% from the end of the previous fiscal year, and 13.62 million annual active card members, down 1.0% year on year.」

    Although initiatives for premium, co-branded and corporate cards continued, new members, total card members and annual active members all declined.
  5. FY2024Increase in new members, decline in total members and decline in active membersAnnual report

    「New card members totaled 1.72 million, up 1.2% year on year; card members totaled 24.62 million, down 1.6% from the end of the previous fiscal year; and annual active card members totaled 13.72 million, down 0.7% year on year. Shopping transaction volume was ¥5.6876 trillion, up 7.6% year on year.」

    While recruitment initiatives for premium, co-branded and corporate cards continued, new members and shopping transaction volume increased, whereas the overall membership base contracted.
  6. FY2024-Q3More new members, higher transaction volume, and a shrinking member baseAnnual report

    「As a result of these initiatives, the key indicators for the cumulative consolidated period through the third quarter and at the end of the third-quarter consolidated accounting period were 1.25 million new card members, up 2.0% year on year; 24.71 million card members, down 1.3% from the end of the previous fiscal year; and 13.73 million annual active card members, down 2.2% year on year. Shopping transaction volume was ¥4.2541 trillion, up 7.8% year on year.」

    While recruitment initiatives for premium, co-branded and corporate cards continued, new members and shopping transaction volume increased, whereas total card members and annual active members declined.
  7. FY2024-Q2AdvancedAnnual report

    「The Company also entered into an eight-year JFA Major Partner agreement with the Japan Football Association (JFA) commencing in 2023, and Junya Ito, a midfielder for the Japan national team, became an official ambassador for Credit Saison. In November 2023, the existing JAPAN Card Saison credit card supporting the Japan national team was renewed as the new SAMURAI BLUE Card, with various additional services, and recruitment began.」

    To expand the customer base through co-branded and branded cards, the Company entered into an eight-year Major Partner agreement with JFA, appointed an ambassador, and renewed the product as the SAMURAI BLUE Card, beginning recruitment.
  8. FY2024-Q1Slight increase in new members, decline in total members and decline in active membersAnnual report

    「Following the implementation of the measures described above, the key indicators for the cumulative first quarter and as of the end of the first quarter were 380,000 new card members, up 1.2% year on year, 24.90 million card members, down 0.5% from the end of the previous fiscal year, and 13.72 million annual active card members, down 1.8% year on year.」

    While recruitment initiatives for co-branded, premium and corporate cards continued, new members edged up, whereas total card members and annual active members declined.
  9. FY2023New members increased while total and active members declinedAnnual report

    「As a result of these initiatives, the key indicators for the consolidated fiscal year were 1.70 million new card members, up 11.9% year on year; 25.03 million card members, down 1.4% from the end of the previous fiscal year; and 13.81 million annual active card members, down 0.5% year on year.」

    Although recruitment initiatives for premium, co-branded and corporate cards continued, total members and annual active members declined across the overall membership base.
  10. FY2023-Q3AdvancedAnnual report

    「In October 2022, began collaborating with “SHEIN,” the US-origin fashion brand operated by ROADGET BUSINESS PTE. LTD., in the payments business, including issuing the smartphone-based “SAISON CARD Digital” credit card with original benefits and offering preferential benefits to SAISON CARD and UC CARD members. As a result of these initiatives, the key metrics for the cumulative consolidated third-quarter period and at the end of the consolidated third-quarter accounting period were as follows: new card members numbered 1.23 million, up 13.6% year on year; total card members numbered 25.03 million, down 1.4% from the end of the previous fiscal year; and annual active card members numbered 14.04 million, up 1.2% year on year.」

    Began a smartphone-based card collaboration with SHEIN. New members and annual active members increased, while total card members declined.
  11. FY2023-Q2AdvancedAnnual report

    「In June 2022, began recruiting members for “JQ CARD SAISON EXPRESS,” a co-branded credit card with Kyushu Railway Company that includes the “Express Reservation Service,” a membership-based online Shinkansen reservation service allowing members to use reserved seats at attractive fares year-round. In August 2022, relaunched “SAISON Gaming Card,” initially launched in December 2020 as a concept card targeting gamers, with a holographic design and a completely numberless format, and began recruiting members for the new “SAISON Gaming Card Digital.”」

    Expanded the customer base and product formats by adding a co-branded card and converting the card for gamers to a completely numberless digital card.
  12. FY2023-Q1AdvancedAnnual report

    「In Japan, competition in the payments business has intensified due to competitors’ loyalty-point strategies and entrants from other industries. In addition to expanding the AMEX brand, we are focusing on a GOLD card strategy to establish a new card business model and strengthen the payments business. In the consumer sector, we announced in April that recruitment for “SAISON GOLD Premium,” a new product combining our broad alliance network, one of our strengths, with a new loyalty service, would begin this summer, with the aim of making it customers’ preferred primary card.」

    Specified the GOLD card strategy and the launch of recruitment for “SAISON GOLD Premium” as concrete measures to expand the customer base through premium and co-branded cards.
  13. FY2022-Q3AdvancedAnnual report

    「・In August 2021, began issuing the new co-branded cards “SHOP CHANNEL CARD SAISON” and “SHOP CHANNEL CARD Digital SAISON” in partnership with Jupiter Shop Channel Co., Ltd.」

    Added new co-branded cards and implemented specific customer-base expansion measures using premium, co-branded and corporate cards. However, while new members recovered to 1.08 million, total card members declined to 25.44 million and annual active card members to 13.87 million.
  14. FY2022-Q2New members recovered, but the customer base contractedAnnual report

    「The number of new card members was 680,000, up 18.3% year on year. Total card members numbered 25.51 million, down 0.8% from the end of the previous fiscal year, while annual active card members numbered 13.87 million, down 4.6% year on year.」

    Although new card members recovered, total card members and annual active card members declined from the end of the previous fiscal year and the year-earlier period, respectively.
  15. FY2022-Q1AdvancedAnnual report

    「In November 2020, we launched the “SAISON Rose Gold American Express® Card,” the first card in Japan to adopt a rose-gold color and monthly fee structure. In March 2021, we began issuing the “Likeme♡by saison card,” a concept-based new product targeting younger customers, including Generation Z. We are working to build a foundation for a return to a growth trajectory by expanding these concept-based new products, for which initiatives have been strengthened since the previous fiscal year.」

    Began issuing a rose-gold card with a monthly fee and a card for Generation Z, expanding the customer base through concept-based products. However, total card members and annual active card members declined during the quarter.
  16. FY2021-Q3Continued decline in the customer baseAnnual report

    「Meanwhile, due to the closure of partner retail facilities and the effects of requests to refrain from going out associated with COVID-19, the key indicators for the cumulative third quarter and as of the end of the third quarter were 910,000 new card members, down 33.3% year on year, 25.80 million card members, down 2.3% from the end of the previous fiscal year, and 14.29 million annual active card members, down 4.6% year on year.」

    New card members, total card members and annual active card members all continued to decline.
  17. FY2021-Q2Continued decline in the customer baseAnnual report

    「Meanwhile, due to the closure of partner retail facilities and the effects of requests to refrain from going out associated with COVID-19, the key indicators for the cumulative second quarter and as of the end of the second quarter were 570,000 new card members, down 38.0% year on year, 25.95 million card members, down 1.7% from the end of the previous fiscal year, and 14.53 million annual active card members, down 2.4% year on year.」

    New card members, total card members and annual active card members all declined from the year-earlier period or the end of the previous fiscal year.
  18. FY2021-Q1Declines widened across new, total and active membersAnnual report

    「Meanwhile, due to the closure of partner retail facilities and the effects of requests to refrain from going out associated with COVID-19, the key indicators for the cumulative first quarter and as of the end of the first quarter were 180,000 new card members, down 59.9% year on year, 26.06 million card members, down 1.3% from the end of the previous fiscal year, and 14.71 million annual active card members, down 1.2% year on year.」

    The year-on-year decline in new card members widened from 13.1% in the previous quarter to 59.9%, while total card members and annual active card members also declined.
  19. FY2020-Q3New and total members declined while active members were unchangedAnnual report

    「The key metrics for the cumulative consolidated third-quarter period and at the end of the consolidated third-quarter accounting period were as follows: new card members numbered 1.37 million, down 13.1% year on year; total card members numbered 26.49 million, down 1.1% from the end of the previous fiscal year; and annual active card members numbered 14.98 million, unchanged year on year.」

    While continuing recruitment initiatives for premium, co-branded and corporate cards, new and total members declined, while annual active members were unchanged year on year.
  20. FY2020-Q2New, total and active members all declinedAnnual report

    「The key metrics for the cumulative consolidated second-quarter period and at the end of the consolidated second-quarter accounting period were as follows: new card members numbered 920,000, down 12.9% year on year; total card members numbered 26.62 million, down 0.6% from the end of the previous fiscal year; and annual active card members numbered 14.89 million, down 0.8% year on year.」

    New card members, total card members and annual active card members all declined.
  21. FY2020-Q1New, total and active members all declinedAnnual report

    「The key metrics for the cumulative consolidated first-quarter period and at the end of the consolidated first-quarter accounting period were as follows: new card members numbered 460,000, down 10.1% year on year; total card members numbered 26.72 million, down 0.3% from the end of the previous fiscal year; and annual active card members numbered 14.89 million, down 0.8% year on year.」

    New card members, total card members and annual active card members all declined.
  22. FY2019-Q3New members declined while active members edged upAnnual report

    「The key metrics for the cumulative consolidated third-quarter period and at the end of the consolidated third-quarter accounting period were as follows: new card members numbered 1.58 million, down 15.1% year on year; total card members numbered 26.79 million, down 0.6% from the end of the previous fiscal year; and annual active card members numbered 14.98 million, up 0.2% year on year.」

    Continued recruiting members for premium, co-branded, corporate and sole-proprietor cards, but new members and total members declined, while annual active members edged up year on year.
  23. FY2019-Q2New members declined while active members increasedAnnual report

    「The number of new card members was 1.06 million, down 15.7% year on year. Total card members numbered 26.85 million, down 0.3% from the end of the previous fiscal year, while annual active card members numbered 15.00 million, up 0.5% year on year.」

    Although new card members and total card members declined, annual active card members increased to 15.00 million.
  24. FY2019-Q1New members declined while active members increasedAnnual report

    「The number of new card members was 510,000, down 17.4% year on year. Total card members numbered 26.86 million, down 0.3% from the end of the previous fiscal year, while annual active card members numbered 15.01 million, up 1.0% year on year.」

    Although new card members and total card members declined, annual active card members increased to 15.01 million.
  25. FY2018AdvancedAnnual report

    「As a result, the number of new card members was 2.44 million, down 6.6% from the previous fiscal year, but measures to prevent cancellations brought total card members at the end of the consolidated fiscal year to 26.95 million, up 1.8% from the end of the previous fiscal year.」

    Although new members declined to 2.44 million, measures to prevent cancellations increased total card members at fiscal year-end to 26.95 million and annual active card members to 14.98 million.
  26. FY2018-Q3AdvancedAnnual report

    「The number of new card members in the cumulative consolidated third-quarter period was 1.86 million, down 4.7% year on year. At the end of the third-quarter consolidated accounting period, total card members numbered 26.90 million, up 1.7% from the end of the previous fiscal year, while annual active card members numbered 14.95 million, up 1.1% year on year.」

    Continued recruiting members for premium, co-branded and corporate cards and improving recruitment efficiency through the web and other channels. Total card members reached 26.90 million, and annual active card members reached 14.95 million.
  27. FY2018-Q2AdvancedAnnual report

    「In the core Credit Services business, while promoting member recruitment for the premium “SAISON AMERICAN EXPRESS CARD,” co-branded cards operated jointly with partner retailers, and corporate cards supporting businesses by reducing the workload involved in corporate expense settlement, we also worked to improve the efficiency of card-member acquisition through the web and other channels. As a result, the number of new card members was 1.26 million, down 1.7% year on year.」

    Continued recruiting members for premium, co-branded and corporate cards and improving recruitment efficiency through the web and other channels. At the end of the second quarter, total card members numbered 26.84 million and annual active card members numbered 14.92 million.
  28. FY2018-Q1AdvancedAnnual report

    「In operating revenue, within the core Credit Services business, we promoted member recruitment for the premium “SAISON AMERICAN EXPRESS® CARD” and for co-branded cards operated jointly with partner retailers as part of efforts to expand the customer base supporting sustainable future growth. We also recruited members for corporate cards supporting businesses by reducing the workload involved in corporate expense settlement. As a result, the number of new card members was 620,000, unchanged year on year. At the end of the first-quarter consolidated accounting period, total card members numbered 26.65 million, up 0.7% from the end of the previous fiscal year, while annual active card members numbered 14.86 million, up 1.1% year on year.」

    Continued recruiting members for premium, co-branded and corporate cards. Total card members reached 26.65 million, and annual active card members reached 14.86 million.
  29. FY2017-Q3AdvancedAnnual report

    「As a result, the number of new card members in the cumulative consolidated third-quarter period was 1.95 million, down 0.3% year on year.」

    Continued recruiting members for premium, co-branded and corporate cards and strengthening applications using tablet devices. New card members totaled 1.95 million for the first three quarters cumulatively, and total card members reached 26.23 million.
  30. FY2017-Q2AdvancedAnnual report

    「In the core Credit Services business, to further expand the customer base supporting sustainable future growth, we promoted member recruitment for Platinum and Gold cards and business cards for sole proprietors among the premium “SAISON AMERICAN EXPRESS® CARD” products, which were expected to generate particularly high usage and spending, as well as for co-branded cards operated jointly with partner retailers. We also recruited members for corporate cards supporting businesses by reducing the workload involved in corporate expense settlement, and worked to strengthen applications using tablet devices at card-acquisition locations. As a result, the number of new card members was 1.28 million, down 0.3% year on year.」

    Continued recruiting members for premium, co-branded and corporate cards. New card members totaled 1.28 million for the first two quarters cumulatively, and total card members reached 26.01 million.
  31. FY2017-Q1First statedAnnual report

    「As part of efforts to expand the customer base for sustainable future growth, we recruited members for Platinum and Gold cards and business cards for sole proprietors among the premium “SAISON AMERICAN EXPRESS® CARD” products, which were expected to generate particularly high usage and spending, as well as for co-branded cards operated jointly with partner retailers. We also recruited members for corporate cards supporting businesses by reducing the workload involved in corporate expense settlement. As a result, the number of new card members was 620,000, down 3.4% year on year.」

    Described a customer-base expansion strategy using premium cards, co-branded cards, business cards for sole proprietors and corporate cards, with 620,000 new card members.
Moved together

"Diversifying revenue sources through leasing, credit guarantees, and loans" moved the same way as this thread, in the same document, in 12 of its 31 moves.

1287666★123456
  1. ★This thread
  2. 1Diversifying revenue sources through leasing, credit guarantees, and loans12×
  3. 2Building a fee-based business by leveraging the customer base and big data8×
  4. 3The No. 1 company in the cashless payments market7×
  5. 4Full-scale entry into the retail finance business in Asia6×
  6. 5Building local joint-venture platforms in Vietnam and Indonesia6×
  7. 6Cashless corporate payments and back-office efficiency6×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

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