End-to-end digitalization from marketing through collections

「In addition, to upgrade our systems infrastructure, we completed the renewal of the credit card core system in June 2026, which contributes to improving service quality for customers, and it is operating stably.」

「By applying to our operations in Japan and Asian countries the credit-management expertise based on AI scoring using alternative data held by AND Global and its business expertise in digital lending, we will promote the DX transformation of our services, strengthen the lending business, and refine credit assessment and strengthen receivables collection systems using digital technologies such as AI.」

「We will also actively use AI across our businesses and services to strengthen our competitive position.」

「By applying to our operations in Japan and Asian countries the credit-management expertise based on AI scoring using alternative data held by AND Global and its business expertise in digital lending, we will promote the AI and DX transformation of our services, strengthen the lending business, and refine credit assessment and strengthen receivables collection systems using digital technologies such as AI.」

「In the retail business, use of shopping revolving credit, installment payments, and card cash advances expanded, and the balance of operating receivables increased, due to improvements in the UI and UX of the Web platform and AEON Wallet smartphone app, as well as stronger individualized approaches based on AI-powered scoring.」

「To further improve productivity, we worked to refine credit assessment, strengthen our receivables collection structure, and rigorously control expenses, while transforming contact points to enable the cross-functional provision of products and services aimed at creating a seamless customer experience.」

「In Japan and overseas, we worked to provide seamless services by expanding contact points that combine physical and digital touchpoints.」

「In Japan, we renewed the AEON Wallet smartphone app as an integrated financial service platform to connect the AEON ecosystem through financial services and provide products and services tailored to customer needs seamlessly. We also worked to expand contact points by enhancing the functions of the code payment service AEON Pay and increasing the number of locations where it can be used. Overseas, we promoted the provision of solutions tailored to the level of digital maturity in each Asian country to improve convenience. In addition, we promoted employee education to develop DX talent. As a result of these initiatives, on 1 March 2024 we were certified as a “DX-Certified Operator” under the DX Certification System established by the Ministry of Economy, Trade and Industry.」

「In Japan, we renewed the AEON Wallet smartphone app as an integrated financial service platform to connect the AEON ecosystem through financial services and provide locally rooted products and services seamlessly. We also expanded contact points by enhancing the functions of the barcode payment service AEON Pay and increasing the number of locations where it can be used.」

「Overseas, we are promoting digital financial inclusion through app development that enables customers to complete the process from applying for various products through to using them on their smartphones, as well as through more sophisticated credit assessment and receivables management.」

「Overseas, we are promoting digital financial inclusion through app development that enables customers to complete the process from applying for various products through to using them on their smartphones, as well as through more sophisticated credit assessment and receivables management.」

「Overseas, we are promoting digital financial inclusion through app development that enables customers to complete the process from applying for various products through to using them on their smartphones, as well as through more sophisticated credit assessment and receivables management.」

「In fiscal 2021, the first year of the plan, we invested in and developed the infrastructure needed to unify IDs across the AEON Group in Japan, promoted cashless payments, and introduced new services such as insurance products. Overseas, we worked to advance digital financial inclusion through app development that enables customers to complete the process from applying for various products through to using them on their smartphones, as well as through more sophisticated credit assessment and receivables management.」

「Overseas, we are promoting digital financial inclusion through app development that enables customers to complete the process from applying for various products through to using them on their smartphones, as well as through more sophisticated credit assessment and receivables management.」

「We promoted initiatives to address the new normal, including group-wide thorough infection-control measures and remote sales activities with customers through expanded online services.」

「Although consolidated results for the first quarter of the current consolidated fiscal year continued to be affected by the COVID-19 pandemic, rapid digitalization enabled us to strengthen remote sales activities with customers as well as screening and collections, resulting in higher revenue and higher profit.」

「To respond to changes in customers’ lifestyles and behavior resulting from the COVID-19 pandemic, we accelerated group-wide digital transformation (DX), business-efficiency initiatives, and efforts to transform our business model to create new revenue opportunities, which led to an improvement in transaction volume in the third quarter.」

「We resumed sales, screening, and receivables collection activities that had been suspended in some countries and regions, and worked to build a business model capable of ensuring business continuity during the COVID-19 pandemic. This included changing service delivery methods, such as introducing remote, contactless, and cashless services, and expanding contact points to accommodate changes in customers’ lifestyles and behavior resulting from the COVID-19 pandemic.」

「By using AI and data to improve operating efficiency and productivity and promote the digitalization of services, we will further reduce labor requirements and work to improve performance at an early stage once the situation has stabilized.」

「Overseas, we worked to expand our customer base through the use of digital technologies and improve the efficiency of sales, screening, and collections.」

「Overseas, we worked on customer acquisition initiatives using digital technologies, improved the accuracy of screening, and increased operating efficiency, while seeking to expand the balance of operating receivables and improve profitability.」

「Overseas, we worked to expand our customer base and improve the efficiency of screening and other processes through the use of digital technologies, and sought to increase the balance of operating receivables.」

「In Japan, we introduced an app that enables ATM transactions simply by holding up a smartphone and conducted a pilot project for cardless payments using palm authentication based on biometric technology. We also worked to improve customer convenience and productivity through measures including the introduction of an ATM service that restores cards damaged by magnetic-stripe failure, customer support through an AI automated chat service available 24 hours a day, 365 days a year to strengthen call-center functions, and the promotion of paperless procedures.」

「Overseas, we actively promoted digital investment, reliably implemented various sales initiatives and cost controls, and drove consolidated performance. The overseas business accounted for 52.8% of our ordinary profit.」

「Against this business backdrop, we are pursuing the key priorities for the current consolidated fiscal year: “thoroughly advancing the digital shift,” “responding to customer needs,” and “accelerating growth overseas.”」

「With respect to strengthening systems (IT) and digitalization investment, we worked to improve convenience and services through measures including a pilot project to accept credit card applications solely through robots, the launch of Japan’s first fingerprint authentication system at a bank, which authenticates customers’ identities using only biometric data, and the organization of a business contest (hackathon) to collaborate with external companies.」

「Against this business backdrop, during the first three quarters of the current consolidated fiscal year, group companies in Japan and overseas strengthened systems and IT/digitalization investment and consolidated overlapping functions within the group, working to “improve convenience and productivity,” “improve asset profitability,” and achieve “renewed growth overseas.”」

「During the current interim consolidated accounting period, group companies in Japan and overseas strengthened systems and IT/digitalization investment and consolidated overlapping functions within the group, working to “improve convenience and productivity,” “improve asset profitability,” and achieve “renewed growth overseas.”」

「During the first quarter of the current consolidated fiscal year, group companies in Japan and overseas strengthened systems and IT investment to promote digitalization and consolidated overlapping functions within the group, working to “improve convenience and productivity,” “improve asset profitability,” and achieve “renewed growth overseas.”」

「In particular, we pursued greater simplicity and speed, including the launch of Japan’s first fingerprint authentication system at a bank, which authenticates customers’ identities using only fingerprint biometric data when they use ATMs, and the introduction of paperless application procedures.」

「We continued to promote digitalization globally to improve operating efficiency, enhance the convenience of products and services, and improve profitability through greater balance-sheet efficiency.」

「We worked on this fiscal year’s key priorities: promoting digitalization in Japan and overseas, improving the convenience of products and services, and improving the profitability of assets.」

「In the next fiscal year, we will further promote end-to-end digitalization from marketing through the provision of financial products and services to collections, with the aim of improving the convenience of our products and services and increasing productivity.」