Striving for the Maximum Customer Satisfaction

ACOM does not regard its customers as a group, but pays specific attention to each and every customer, instead. To discuss measures and structures necessary to promote CS Management that provides supreme and authentic customer satisfaction, ACOM regularly holds CS Management Promotion Meetings, chaired by the president.

ACOM is committed to attain organizations wherein all employees act on their own to further promote CS activities. Therefore, every department that has contacts with customers assigns staffs in charge of CS promotion. These staffs hold meetings to share their activities to stimulate mutual improvement.

ACOM strives to highten employees' "CS awareness" through in-office trainings such as viewing CS-related DVDs and e-learnings.

ACOM is committed to ongoing improvement and enhancement of customer service standards in order to ensure that we are able to meet the needs of each and every customer. To this end, we actively pursue internal initiatives such as customer service competitions, call monitoring and operator training programs.

ACOM is aware that every employee "needs to act flexibly to provide authentic and supreme customer satisfaction at any occasion of customer contacts". Therefore, ACOM has empowerment system that enables employees to act flexibly to materialize "Customer First".

The ACOM complaints management system is operated in accordance with the stipulations of the ISO10002 (JISQ10002) international standard (Quality management -- Customer satisfaction -- Guidelines for complaints handling in organizations).

ACOM has established an outlet network consisting of roughly one thousand staffed outlets and automatic contract machines to meet customer needs. Moreover, our online "Store and ATM Locator" page enables customers to narrow down search results with criterion such as "step-free entrances" and "equipped with writing communication device." Therefore, special and necessary cares are paid to welcome diverse customers.

Online services via computers, smartphones and cellular phones have been further enhanced. In 2017, our website underwent a fullscale renewal including site design and structure. This renewal enalbed cutomers to customize display based on their preference and needs.

Our employees at "call centers", "service centers" and "counseling centers" respond to customers inquiries from phone, internet and outlets in both kind and polite manners.

ACOM has forged diverse alliance that enables customers to make borrowings and/or repayments at convenience stores and ATMs by banks in alliance.

ACOM regularly conducts internet-based customer satisfaction surveys to gain valuable feedback on service delivery by ACOM and its competitors. The findings are used to drive further improvement in our services.

All comments, suggestions, inquiries and complaints received from customers via our outlets and call centers is registered in a central database for cross-analysis on a company-wide basis. The results are used to improve our services. Meetings are held on monthly bais to analyze customer feedback (including inquiries, suggestions and complaints), identify key issues with ACOM services, and we plan improvements.

Moreover, when our employees realize items open to improvement and enhancement in our product and services, they can submit proposals via "Proposal Card on CS Improvements" and/or "CS Experience Cards". All these proposals are reviewed by relevant departments to incorporate them into our service improvement.

We started issuing ACOM cards with improved magnetic stripes in order to reduce card malfunctions due to magnetic strip errors.

Some of our customers had difficulty receiving documents via mails. We made it possible to confirm customers’ identity through financial agency information accompanying account transfers. Thereby, we are now capable to complete contracts without issuing cards.

We extended bank transfer service hours for some financial institutions to better serve customers needing money on weekends and at nighttime.

We changed names of frequently asked items in our online application form to make it easy to follow.

ACOM holds a meeting with staffs from alliance partners once a year to strengthen partnerships. Participants share initiatives and successful examples in card loan business.