Greetings from President


President & CEO Masataka Kinoshita
Masataka Kinoshita
President & CEO

By putting the customer first, we aim to become “ACOM that offers New Conveniences” and “Global ACOM” that is well known in the markets of many more countries.

We would like to express our sincere gratitude for your continuous patronage to the Group.
I assumed the position of President and Chief Executive Officer of the Company as of June 23, 2021.
We would like to express our sincere condolences to all those who passed away from the new coronavirus infection. We also would like to offer our heartfelt sympathy to all those who were struck by the new coronavirus infection. We pray for the earliest recovery.

Establish a Growth Base in the Medium-Term

The business environment surrounding the Company is expected to remain stringent due to the intensifying competitive environment, as well as changes in the social structure such as the drop in birthrate coupled with aging society and changes in lifestyle amid the growing impact of the spread of COVID-19 infection.

Under these circumstances, the Company will focus on strengthening its sales and service capabilities in the loan and credit card business, expanding the scale of its guarantee business and financial business in Asia in collaboration with the MUFG Group, based on the know-how the Company Group has fostered such as in the consumer finance business at home and abroad as well as centralization of business and other low-cost operations. Furthermore, the Company will strive to expand investment in digitalization such as AI and RPA and establish a growth base in the medium-term.

By putting the customer first, we aim to become “ACOM that offers New Conveniences” and “Global ACOM” that is well known in the markets of many more countries.

Provide “New Conveniences”

Our main business is to provide cash loans. From the customers’ point of view, however, cash itself is not what they need. Behind that, there is the desire to “get the product now” or “enjoy the service now.” Customers use our service because they do not have any other means of finance.

Regardless of whether the settlement means is by cash or cashless, the customer’s needs of “I want it now” or “I want to do it now” never change. By preparing a system that supports cashless payment via credit cards and smartphone applications in advance, we hope to provide "New Conveniences" to our customers and further increase our company's fan base.

In addition, the behavior of purchasing products and services is shifting from real stores to e-commerce sites. In the future, we will continue to expand and enhance our services so that such customers can use them more conveniently and comfortably when purchasing products and services.

Global ACOM, Aiming to be Globally Competitive

We currently operate financial businesses in three countries, Japan, the Kingdom of Thailand and the Republic of the Philippines. On the other hand, we believe that there are still other countries where customers’ needs for “I want it now” or “I want to do it now” exist. We will boldly attempt to expand our horizons to the rest of the world and explore the possibilities of those markets.

For Materialization of a Sustainable Society

The Company will continue to promote close alliance with MUFG group and contribute to the sound development of our domestic consumer finance market as a leading company of consumer finance industry.
In order to fulfill the social responsibility and mission expected of loan and credit card business and guarantee business and become a company that grows together with society, we aim to further promote compliance and CS management and enhance corporate value. At the same time, we will strive to work toward the resolution of social issues under the SDGs to contribute for materialization of a sustainable society.

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