Loan and Credit Card Business
Our loan business chiefly comprises unsecured small loans to individuals based on credit. We have also had a solid foothold in the credit card sector since 1999, after being licensed to issue Mastercard® credit cards in July 1998.
In the Loan and Credit Card Business, we endeavor to incorporate the Five Ss into our operations: speedy, simple, secret, safe, and self-service.
As a leading company of the consumer finance industry, we endeavor not only to carry out our Five-S-based business model, but also to earn popular support through groundbreaking services and cement our position as the top brand in the non-bank sector.
Strengths in Loan and Credit Card Business
The chief strength of our Loan and Credit Card Business is the wealth of data amassed through business with a cumulative total of more than 11 million customers. Machine learning enables us to analyze that data and develop the latest, most advanced screening insights and expertise. This is what makes our “instant screening” (a decision in as little as 20 minutes) possible, and with diverse channels for customers to sign up, such as automated application booths and, of course, the Internet, we are able to offer credit very swiftly.
What is more, our network of approximately 650 credit card issuing machines nationwide together with a virtual card function enables us to offer a degree of service that our competitors cannot, including same-day issue of credit cards in some cases.
【Loan Bussiness】 Balance of operating loans/number of accounts at ACOM
【Loan Bussiness】 New customers/contract rate at ACOM
Interest repayment claims at ACOM
【Creadit Card Business】 Card Shopping Receivables/Number of Cardholders at ACOM
