Loan and Credit Card Business
Overview of Loan and Credit Card Business
In March 1960, ACOM's predecessor Maruito Co., Ltd. made entry into "Salary-Man Loan," a type of personal consumer finance business where loans are provided based on personal credit.
In loan business, we mainly provide unsecured loans in small amounts to individuals based on security of customers' “credits.”
ACOM obtained an issuing license of Mastercard® in July 1998 and achieved full-scale advancement into the credit card business. We offer unique added values such as issuing credit cards 30 minutes at least after applications.
Characteristics of loan and credit card business can be represented by following 4S's: 1. Speediness; 2. Simplicity; 3. Secrecy; and 4. Safety. ACOM has firmly established a business model securing these "4S's" as the leading company in consumer finance industry. In addition, ACOM has always been the front-runner as new service developer and garnered customers’ support.
A Customer-oriented sales structure which meets needs through diverse channels
Placing ultimate priority on meeting diverse customers' needs, in addition to the network of consumer finance outlets offered through over-the-counter services and automatic contract machines, ACOM provides not only our own ATMs, but also deposit and withdrawal channels in alliance with convenience stores and financial institutions, with the concept of easy-to-provide/ easy to repay financing. We also aim for number one customer satisfaction through developing multifaceted sales channels, including a call center, and internet services provided through the PC and smartphones.
Nationwide consumer financing outlets, which is aiming for "No.1" in the region
ACOM has roughly 1,000 consumer finance outlets, including both staffed and unstaffed outlets. We have secured these in convenient places located in front of stations, and have established road-side outlets which serve automobile users.
Staffed outlets, specialized in dealing with customers, provide community-based "Face to Face" services. They fulfill their function as financial professionals, providing not only loans, but also advice on financial instruments and household economics tailored to various life stages.
Automatic contract machines produced by ACOM
Automatic contract machines, which have acquired strong market support since their introduction in July 1993, are currently operating at roughly 1,000 locations nationwide. The Automatic contract machine system conducts an examination same to that done at the staffed outlets, through machine's monitor.
This system, controlled centrally at the "Service center", conducts an examination or services similar to those of the staffed outlets, through an IT-driven remote control.
Realizing Staffed Outlet Services on the Internet
The ATM Alliance Nationwide Expansion
In addition to an infrastructure built in-house, we are focusing on an alliance of ATMs/ CDs with city banks, regional banks, and convenience stores to increase convenience for customers. The ATM network is covered throughout Japan, and has been increasingly bringing customers closer to ACOM.
Credit Card Business
ACOM's Mastercard® has been developed as the most user-friendly credit card with comprehensive merits. It has realized immediate issuance - all the processes from application to issuance are completed in at least 30 minutes. Besides this, it provides added value which no other companies offer - e.g. the payment method/ amount can be chosen at the time of repayment depending on the customers' convenience.
Merits of ACOM's Mastercard®
- Immediate issuance (except for some outlets)
- Global card usable worldwide
- Free enrollment/annual fee
- Cashing is available 365 days/24 hours
- "Non-installment" or "Revolving"can be selected at the time of repayment
- Repayment can be done at ATM freely
- Due date is up to 82 days
Providing a "voice with a smile" to Each and Every Customer
ACOM has built a sales structure which centrally controls back-office tasks other than face-to-face services, such as responding to or giving guidance on the phone, at the "call center". Our customer services are strengthened through carefully-tuned responses. At our call center, which provides various tasks, including receiving applications and customer inquiries through the phone or internet, communicators respond appropriately to each and every customer's needs. Our high response skill, that puts emphasis on having a "smile", is also highly appreciated by outside specialized institutions.
Advanced Credit Examination Know-how, Supports Immediacy and Planned Use
ACOM has established and utilized advanced credit examination know-how, on the basis of a credit/ examination model - in which the data accumulated to date through customer transaction is analyzed. This credit examination know-how has been deployed through various channels, including outlet examination, "MUJINKUN", automatic contract machine, and internet application, has achieved swift financing, and has been supporting customers' planned use and repayment.