Advancing Innovation and Reforming the Cost Structure through IT Investment and Web Strategy

「住宅業界においては、DX 化への対応が業界全体の課題となっています。」

「The company will seek to improve operating efficiency by examining AI-based credit assessment models at the MUFG Group level and introducing and strengthening security measures.」

「The company will seek to improve operating efficiency by examining AI-based credit assessment models at the MUFG Group level and introducing and strengthening security measures.」

「Under its DX strategy, the company will seek to reduce costs by further promoting paperless and inventory-free operations, while advancing the development of new products and services that address the needs of customers and partner merchants through the use of digital technology.」

「The expansion of online application functionality promoted the use of priority products, particularly medical products, and enabled the credit business to increase transaction volume.」

「The Company reduced facility-related expenses, including outsourcing costs, by promoting operational optimization, including the digitization of customer touchpoints at various centers, the automation of operational tasks, and office consolidation and relocation through a review of branch locations.」

「The Company will accelerate top-line growth through ongoing IT investments and operational efficiency through the introduction of AI, RPA and other technologies, and seek to achieve high productivity by implementing Group-wide cost structure reform and operational reform.」

「The Company continued promotional initiatives and promoted the adoption of online applications, primarily in the consumer electronics and personal computer-related industries. This increased the proportion of loans and led to higher transaction volume.」

「The Company is pursuing business expansion and operational efficiency, including by enhancing Web functionality and introducing AI.」

「Operating expenses increased due to selling, general and administrative expenses and finance costs associated with higher transaction volume, as well as system-related costs aimed at growth and efficiency.」

「System-related costs increased due to proactive systems investment aimed at growth and efficiency.」

「The Company will accelerate top-line growth through ongoing IT investments and operational efficiency through the introduction of AI and other technologies, and seek to achieve high productivity by implementing Group-wide cost structure reform and operational reform.」

「Steadily executing a management strategy focused on “Group synergies,” “innovation” and “CSR,” including further expansion into ASEAN member countries, enhancement of comprehensive payment services, continued cost structure reform and strategic IT investment」

「We are steadily executing a management strategy focused on “Group synergies,” “innovation” and “CSR,” including further expansion into ASEAN member countries, enhancement of comprehensive payment services, continued cost structure reform and strategic IT investment, with the aim of realizing the medium-term management plan vision of “Japan's leading advanced consumer finance company.”」

「Although the Group has pursued cost structure reform and operational efficiency, system-related costs for strategic investments increased.」

「In October last year, as part of business continuity planning for disasters, the Company established a backup center for its core business system, JANET (JANET), further strengthening risk management.」

「Operating expenses increased mainly due to retirement benefit expenses, bad debt-related expenses and system-related costs for strategic investments.」

「By maximizing the benefits of the Web strategy and IT investments promoted to date, the Company will demonstrate innovation that creates a competitive advantage in both sales and costs.」