Declining competitiveness due to failure to use technology
First written in FY2020. 1 of 3 entries say "Restated". Latest entry: FY2026.
The whole theme swung hardest in 2026: 9 of 32 companies on the "Worse" side.
2 other companies' latest entry also says "Other".
- FY2026Specifying the scope of the impact of the risk of not using technologyAnnual report
「Because we have not made effective use of technology to date, delays in building infrastructure for highly systematized customer services could cause us to miss revenue opportunities. In addition, delays in improving operating efficiency and limits on cost reductions could reduce our Group’s competitiveness in the market itself.」
Additional specific impacts of the risks associated with not building an online trading system are described, including delays in building customer infrastructure, lost revenue opportunities, delays in improving operating efficiency and limits on cost reductions. - FY2021RestatedAnnual report
「Because our Group conducts its sales activities face to face under a face-to-face business model, it has not built the systems and other infrastructure required for online trading. However, customers or investors may require us in the future to provide services that use technology in the fintech field.」
The risks to fintech capabilities, revenue opportunities, operating efficiency and competitiveness arising from the failure to build an online trading system are reconfirmed. - FY2020First statedAnnual report
「Because our Group conducts its sales activities face to face under a face-to-face business model, it has not built the systems and other infrastructure required for online trading. However, customers or investors may require us in the future to provide services that use technology in the fintech field.」
A new risk is disclosed that the Group’s reliance on face-to-face sales and failure to build an online trading system could lead to delays in responding to fintech developments, lost revenue opportunities, and lower operating efficiency and competitiveness.