Providing Solutions Through Partner Companies

「April 2026: launched services for financial institutions using FPoS through a joint rollout with 地銀ネットワークサービス株式会社」

「また、パートナーブランドでの音声通信サービスの契約回線数も順調に伸長し、モバイル通信サービスは、MVNO 事業および MVNE 事業ともに成長することができました。」

「Under this initiative, めぶくグラウンド株式会社 issues めぶくID, while CONNECT株式会社, established through a public-private partnership and headquartered in Omura, Nagasaki Prefecture, operates the community-based happiness circulation initiative, including the Omura City portal app おむすび。 and the digital regional currency ゆでぴ.」

「As announced in December 2023, our U.S. subsidiary JCI US,Inc. (JCIUS) entered into an agreement to deploy CBRS (local 4/5G) across education and telemedicine networks throughout the State of Utah.」

「This was attributable to growth in voice flat-rate and semi-flat-rate services centered on “Japan Communications SIM” in the MVNO business, up 18.0% year on year, and growth in voice services under partner brands in the enabler business, up 36.9% year on year.」

「This was attributable to growth in voice flat-rate and semi-flat-rate services centered on “Japan Communications SIM” in the MVNO business, up 19.5% year on year, and growth in voice services under partner brands in the enabler business, up 34.8% year on year.」

「Because the めぶくID platform incorporates FPoS, we will continue supporting めぶくID as we work to expand the regions and fields in which FPoS is used.」

「Under the Maebashi Livelihood Tech Promotion Project applied for by Maebashi City, the operating company めぶくグラウンド株式会社, established with investment from leading companies and financial institutions in Gunma Prefecture, released the めぶくアプリ app incorporating the digital ID めぶくID in October 2022.」

「Under the Maebashi Livelihood Tech Promotion Project applied for by Maebashi City, leading companies and financial institutions in Gunma Prefecture invested in and established the operating company めぶくグラウンド株式会社 on 6 October 2022, and the company began issuing the digital ID めぶくID on 21 October 2022.」

「We will provide full support for implementation and rollout in these 3 regions during the current fiscal year.」

「During the nine months ended the third quarter, capital surplus increased by ¥108.746 million because consolidated subsidiary my FinTech株式会社 conducted a third-party allotment of shares.」

「By the end of the cumulative second-quarter consolidated period under review (hereinafter, “the current quarter”), the Company had strengthened the shareholder structure of my FinTech Co., Ltd., the operating entity for FPoS, and established a structure to advance the FPoS business through both strategic planning and technology development by bringing in Deloitte Tohmatsu Financial Advisory LLC and Climb Co., Ltd. as new equity investors.」

「We provide services that address the non-retention of credit card information following PCI DSS certification.」

「In October of the same year, we began providing the W Smart Plan, an integrated service with FiNC's health app service.」

「On 22 July 2020, セキュアＩＤ株式会社, our joint venture with Taisys Technologies Co., Ltd., the patent holder and developer and manufacturer of the sub-SIM used by FPoS, was established.」

「In November 2018, we established my FinTech株式会社 as the entity responsible for providing the service, and in January 2020 established セキュアＩＤ株式会社 as the entity responsible for developing and supplying the sub-SIM at the core of the FinTech platform.」

「On 19 November 2019, we launched a joint digital banking and telecommunications project spanning Indonesia, Japan and other countries, which is another part of these efforts. On 30 January 2020, we also established セキュアＩＤ株式会社 as a joint venture with Taisys Technologies Co. Ltd., the developer and manufacturer of the sub-SIM used by FPoS.」

「As part of efforts to commercialize FPoS, we established my FinTech株式会社, a joint venture with 日本ATM株式会社, as the operating company for deploying FPoS services in Japan. In addition, we agreed on 1 November 2019 to establish セキュアID株式会社 as a joint venture with Taisys Technologies Co. Ltd., which holds patents for and develops and manufactures the sub-SIM used by FPoS.」

「This requires broader collaboration with more stakeholders than before.」

「As of 31 January 2019, we changed the provision of part of our consumer services offered under the b-mobile brand, ending the rental service, and excluded it from the above agreement.」

「In parallel with efforts to commercialize FPoS, we established my FinTech株式会社 as the operating company for FPoS in November last year. In December of the same year, my FinTech became a joint venture between us and 日本ATM株式会社 following 日本ATM's capital participation.」

「On 31 May of this year, FPoS was selected as a project supported by the Financial Services Agency's FinTech Demonstration Experiment Hub. Demonstration experiments involving Gunma Bank, Chiba Bank, Tokushima Bank, Money Forward and Cybertrust are being conducted through the end of October, and a final report is scheduled to be submitted to the Financial Services Agency in mid-December.」

「As another solution in the enabler business, we began providing, in collaboration with GMO Payment Gateway,Inc., a system for face-to-face-free credit card payments that complies with the amended Installment Sales Act, which took effect in June 2018. It began contributing partially to revenue during the current quarter.」

「On 15 February 2018, we established H.I.S.Mobile株式会社, a joint venture with H.I.S.Co.,Ltd.」

「We have begun providing, in collaboration with GMO Payment Gateway,Inc., a solution that enables mail-order businesses to avoid retaining card information. Please refer to the materials separately disclosed by both companies on 23 October 2017.」

「We are collaborating with GMO Payment Gateway,Inc., a leading company in the credit card payments sector, to provide solutions that enable mail-order businesses to avoid retaining card information.」

「This service is provided under our b-mobile brand, as well as through U-NEXT and other partner companies.」

「In November 2016, we began collaborating with 大興電子通信株式会社, a systems integrator with a history of more than 60 years and a customer base of 20,000 companies, and are promoting sales centered on dedicated wireless lines for businesses.」

「On 7 November 2016, we began collaborating with U-NEXT, a major MVNO operator with strengths in sales and marketing.」

「In the MSP business, the market as a whole is still engaged in trial and error across a range of IoT projects, and we need to provide services directly to accumulate know-how and experience. However, because we are focusing on developing partners and acquiring projects through them, the enabler ratio has consequently increased.」

「Accordingly, as an MSEnabler (mobile solution enabler), we will actively promote collaboration among MVNO operators and work to improve the profitability of our low-cost SIM business by building a business model that leverages each operator's strengths.」

「As an MSEnabler (mobile solution enabler), our core business is providing mobile solutions through partner companies to address a wide range of customer needs.」