Agreements reached under this partnership
Business Alliances- 1
By using IT and digital technologies, including AI, we will automate and streamline operations across the board, including contact centers and head-office staff operations, thereby optimizing the allocation of management resources at each company and improving the quality of customer service.
- 2
Mutually leverage knowledge, data and expertise relating to credit assessment to optimize credit assessment processes, enhance credit technologies and improve the accuracy of credit decisions
- 3
Mutually leverage knowledge and expertise relating to collections and payment reminders to optimize reminder methods according to customer attributes and delinquency status, enhance data-driven collection strategies and review business processes
- 4
Combine the companies' digital expertise to improve the UI/UX of digital channels, including apps, by creating smoother, less stressful customer journeys for accessing services
These are items that the documents state the two companies will work on. The lines above and below represent arrangements between the two companies.
This indicates whether the companies will do more than work together, such as holding each other’s shares or seconding personnel (capital and business alliance).
| Item | Details |
|---|---|
| Name of alliance partner | Muninova Holdings Inc., Orient Corporation |
| Alliance partner's business activities | Operates across multiple business areas, including financial services, based on IT and digital technologies, Has expertise in installment sales and payment services developed as a leading credit services company, as well as an extensive network of member merchants and business partners |
| Type of alliance | Business Alliances |
| Details of the alliance | By using IT and digital technologies, including AI, we will automate and streamline operations across the board, including contact centers and head-office staff operations, thereby optimizing the allocation of management resources at each company and improving the quality of customer service., Mutually leverage knowledge, data and expertise relating to credit assessment to optimize credit assessment processes, enhance credit technologies and improve the accuracy of credit decisions, Mutually leverage knowledge and expertise relating to collections and payment reminders to optimize reminder methods according to customer attributes and delinquency status, enhance data-driven collection strategies and review business processes, Combine the companies' digital expertise to improve the UI/UX of digital channels, including apps, by creating smoother, less stressful customer journeys for accessing services |
| Shareholding ratio | Transfer to Muninova Holdings Inc. shares in Orient Corporation held by Mizuho Bank equivalent to 15% of the voting rights |
| Contract Date | 15 May 2026 |
Items this document does not state (17)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.The need for flexible, convenient lending and payment services, as well as improved operational efficiency and stronger internal controls for mid-sized and small companies, has increased amid the progress of digitalization and the diversification of customer needs. The three companies reached a shared understanding that leveraging digital technologies to improve operational efficiency and the customer experience, and enhancing service quality through advanced credit assessment expertise, are essential.