Improving Business Efficiency through Consolidation of Duplicated Functions and Use of AI

「As part of these initiatives, effective 1 March 2026, the Company succeeded to the data analytics consulting business of its consolidated subsidiary エー・シー・エス債権管理回収株式会社 through an absorption-type company split, and, effective 1 May 2026, absorbed AFSコーポレーション株式会社 through a merger, thereby advancing the streamlining of business operations and the development of a simple, highly effective organizational structure.」

「In the domestic business, we will pursue fundamental reform of the cost structure by improving operating processes, including reviewing products and services, and controlling indirect costs by the end of fiscal 2027, the midpoint of this medium-term management plan.」

「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.」

「We are continuously working to enhance credit assessment and receivables management through AI-based scoring and other measures.」

「To further improve productivity, we will thoroughly control expenses in addition to refining credit assessment and strengthening our receivables collection framework」

「We are continuously working to enhance credit assessment and receivables management through AI-based scoring and other measures.」

「By working to contain selling, general and administrative expenses through digitalization」

「Rapid digitalization enabled us to strengthen customer-facing activities conducted without in-person contact, as well as credit assessment and collections, resulting in increases in both revenue and 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 established cross-group task forces covering specific initiatives, including improving the efficiency of credit assessment and receivables collection and reforming employees’ working practices through the introduction of remote work.」

「We will improve productivity by reviewing the processes of existing businesses from the ground up and consolidating overlapping functions. We will also use new technologies in the operations of existing businesses to improve business efficiency through digitalization, including more sophisticated marketing and scoring, across the full range of activities from sales to credit assessment and receivables management, and reallocate resources to growth businesses.」

「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 the international business, all regions recorded higher revenue and profit, supported by solid consumer conditions, led by the three listed companies, and both ordinary revenue and ordinary profit reached record highs. Overseas, we also actively pursued digital investment, while steadily implementing various sales initiatives and cost controls, driving consolidated results. The international business accounted for 52.8% of our ordinary profit.」

「We worked to improve productivity by consolidating functions duplicated within the group and introducing RPA, among other measures, and to improve asset profitability.」

「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.”」

「Our domestic and overseas companies worked to improve convenience and productivity, improve asset profitability and reignite growth overseas by strengthening systems investment (IT investment) to promote digitalization and consolidating overlapping functions within our group.」

「We will improve productivity by reviewing the processes of existing businesses from the ground up and consolidating overlapping functions. We will also improve business efficiency by applying new technologies such as artificial intelligence to the operations of existing businesses and reallocate resources to growth businesses.」