Expanding Shopping Credit by Capturing E-Commerce Payment Demand
First written in FY2017-Q3. 7 of 16 entries say "Advanced", first in FY2021-Q1. Latest entry: FY2026.
Orient moved to the "Worse" side of this theme in 2025.
0 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「In the individual installment finance business, transaction volumes for auto loans and shopping credit declined from the previous year due in part to passing on the increase in market interest rates to customers.」
As a result of passing on the increase in market interest rates to customers, auto loan and shopping credit transaction volumes fell below the previous year's levels. - FY2026-H1WorsenedAnnual report
「Shopping credit transaction volumes declined from the year-earlier period.」
Shopping credit transaction volumes declined from the year-earlier period. - FY2024-Q1RestatedAnnual report
「Shopping credit transaction volume declined year on year because renovation loan transaction volume fell, among other factors.」
The report continues to state that shopping credit transaction volumes have declined from the year-earlier period due to a decrease in renovation loan transaction volumes. - FY2023-Q3RestatedAnnual report
「Shopping credit transaction volume declined year on year because renovation loan transaction volume fell due to the impact of construction delays caused by material shortages and other factors.」
Renovation loan transaction volumes declined due to construction delays caused by material shortages and other factors, and the decline in total shopping credit transaction volumes from the year-earlier period has continued. - FY2023-Q2WorsenedAnnual report
「Shopping credit transaction volume declined year on year because renovation loan transaction volume fell due to construction delays caused by material shortages and other factors.」
Transaction volumes for shopping credit, including renovation loans, fell below the year-earlier level due to construction delays caused by material shortages and other factors. - FY2023-Q1WorsenedAnnual report
「Shopping credit transaction volume declined year on year due to construction delays caused by shortages of materials for renovation loans and other factors.」
Shopping credit, which had been recovering primarily in online retail and home renovations, declined in transaction volume year on year due to construction delays caused by material shortages and other factors. - FY2022-Q3AdvancedAnnual report
「Shopping credit transaction volumes declined year on year due to construction delays caused by shortages of materials for renovation loans and other factors. We will continue to accelerate the promotion of new Web-based products, further improve convenience, strengthen differentiation from competitors and seek to increase transaction volumes.」
While shopping credit transaction volumes declined due to material shortages, the company specified a policy of accelerating the promotion of new Web-based products, improving convenience, strengthening differentiation and increasing transaction volumes. - FY2022-Q2AdvancedAnnual report
「Shopping credit grew, led by renovation loans, although it did not reach pre-pandemic levels due to the impact of the state of emergency declarations during the period and other factors. We will continue to accelerate the promotion of Web-based products, further improve convenience and seek to increase transaction volumes.」
Although it has not reached pre-pandemic levels, shopping credit has grown, led by renovation loans, and the company has indicated a policy of accelerating the promotion of Web-based products going forward. - FY2022-Q1AdvancedAnnual report
「In shopping credit, although business has not returned to pre-pandemic levels, it has recently been recovering gradually, mainly in e-commerce and renovation.」
Shopping credit operations are showing signs of recovery, primarily in online retail and home renovations. - FY2021AdvancedAnnual report
「Shopping credit transaction volume declined year on year due to the impact of requests to refrain from going out and other factors, but has recently been recovering, mainly in e-commerce and renovation.」
Shopping credit operations have recovered, primarily in online retail and home renovations, indicating progress in e-commerce-related initiatives. - FY2021-Q3AdvancedAnnual report
「Shopping credit declined year on year due to the impact of requests to refrain from going out and other factors, but online retail operations, including consumer electronics, have expanded and are showing signs of recovery.」
While total shopping credit declined year on year, online retail operations, including consumer electronics, expanded, indicating signs of recovery. - FY2021-Q2AdvancedAnnual report
「In shopping credit, although e-commerce sales of home appliances and other products expanded, residential renovation and other business declined due to the impact of voluntary business suspensions and other factors, resulting in a year-on-year decline in transaction volume.」
The report explicitly states that online retail operations, including consumer electronics, expanded, offsetting the decline in home renovations and related areas. - FY2021-Q1AdvancedAnnual report
「In shopping credit, although e-commerce transaction volume expanded, transaction volume declined year on year due to a decline in residential renovation and other business, among other factors.」
After its previous references to e-commerce-related operations had become less prominent, the report again explicitly states that online retail operations have expanded. - FY2020DroppedAnnual reportThis securities report contains no reference to capturing demand for e-commerce payments; that wording has been replaced with wording about promoting the shift to cashless payments.
- FY2017RestatedAnnual report
「In shopping credit, the Company focused on capturing demand for e-commerce payments and other areas, but residential renovation transaction volume declined due to weakness in the solar power market and other factors, resulting in lower revenue.」
Capturing demand for e-commerce payments has continued as a response to the decline in residential remodeling. - FY2017-Q3First statedAnnual report
「In shopping credit, although residential renovation declined, business revenue increased slightly due to higher transaction volume in commercial equipment and the capture of demand for e-commerce payments.」
Capturing demand for e-commerce payments is described as a new initiative to offset the decline in residential remodeling.