Top japan consumer credit and finance services credit saison năm 2024
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Credit Saison Co Ltd is a consumer finance company operating primarily in Japan. Saison operates in five reportable business segments: credit services, leasing, finance, real estate, and entertainment. Of these, credit services make up the vast majority of revenue. The company is one of Japan's leading card companies. The company issues Visa, MasterCard, American Express, and affinity cards carrying the Saison brand to a multitude of cardholders. Saison also provides insurance and asset management. The company is affiliated with the Mizuho Financial Group. Show
ArrowArtboardCreated with Sketch.ArtboardCreated with Sketch.Title ChevronTitle ChevronIcon Mail ContactPath LayerPositive Arrow Interview Company pushing beyond core credit card business with digital lending Credit Saison wants to tap Asian demand for digital lending through partnerships with local fintech companies. (Photo by Karina Noka) April 20, 2022 14:29 JST | Japan TOKYO -- Japanese financial services group Credit Saison plans to ramp up its business in Asia as it pushes further beyond its maturing home market and traditional customer base, its head told Nikkei Asia in a recent interview. An early partner with Singapore-based ride-hailing startup Grab, Credit Saison is looking to diversify away from its core credit card business by tapping nascent demand for digital lending in Asia through tie-ups with local companies. Credit Saison Co Ltd is a Japan-based company mainly engaged in the provision of credit services. The Company operates in five business segments. The Payment segment provides credit card and servicer services. The Lease segment is engaged in the leasing business. The Finance segment provides credit guarantee business and other finance-related business. The Real Estate-related segment is engaged in
More ▼ Data as of Apr 11 2024. Currency figures normalised to Credit Saison Co Ltd's reporting currency: Japanese Yen JPY Data Provided by LSEG All content on FT.com is for your general information and use only and is not intended to address your particular requirements. In particular, the content does not constitute any form of advice, recommendation, representation, endorsement or arrangement by FT and is not intended to be relied upon by users in making (or refraining from making) any specific investment or other decisions. Any information that you receive via FT.com is at best delayed intraday data and not "real time". Share price information may be rounded up/down and therefore not entirely accurate. FT is not responsible for any use of content by you outside its scope as stated in the FT Terms & Conditions. We are working to realize a diverse range of payment platforms, with the aim of raising customers’ convenience as we move towards a cashless society.In addition to issuing credit cards, prepaid cards, and other plastic cards, we have been working on providing next-generation payment schemes in recent years. They include smart phone payments, and QR code payments linked to partner apps. Appropriate Management of Personal InformationInformationWe manage personal information in accordance with laws, regulations and other requirements, including guidelines and industry rules. We have established internal corporate rules, and give our employees training in ethics. Our efforts to raise awareness of information management include the use of the “personal information manager” qualification established by the Japan Consumer Credit Association, a qualification that is now basically compulsory for employees who handle personal information at Credit Saison. In May 2006, Credit Saison was authorized to use the PrivacyMark, a certification given to businesses with appropriate systems for handling personal information, and we continue our efforts to maintain and enhance the protection level of personal information. Preventing Excessive IndebtednessWe recognize that the most important issue is to pursue a balance between enriching our customers’ lives while contributing to economic progress on the one hand, and preventing people becoming multiple debtors through overuse. Therefore, we manage personal information appropriately and practice cautious lending and post-lending follow-up, to prevent people becoming multiple debtors. Information/cyber securityAt Credit Saison, we strive to maintain stable operation of its web systems that handle important customer information, such as credit card applications and Net Answer. We use TLS/SSL (Transport Layer Security/Secure Socket Layer) encryption technology to protect the personal information of our customers. Along with striving to maintain stable system operations on a daily basis, we have formulated contingency plans such as securing backups of important systems to prepare for unforeseen events. In addition, for the purpose of detecting and improving system vulnerabilities, the IT Strategy Department takes a central role in conducting regular system risk assessments and, as a measure against cyber attacks such as targeted attack emails, the department takes measures such as fortifying firewalls and raising employee security awareness through simulated email drills to minimize damage in the unlikely event of an infection. Improving the accuracy of unauthorized use detectionCompany initiativesWe are building a stronger security infrastructure by combining our know-how and experience in credit card screening, which we have cultivated over the past 70 years since our founding, with new systems developed in collaboration with partner companies. Specifically, we are endeavoring to eliminate fraud in cashless payments from three directions: automation of fraud detection using AI, introduction of anti-spoofing technology, and detection of fraudulent devices. Through these efforts, we provide our customers with a safe and secure payment environment and contribute to the adoption of timely and contactless payment methods in this new era. Secure payment environment in the cashless era1 Automating fraud detection with AI System for detecting unauthorized card useThe system uses AI (machine learning)-based fraud risk scoring model to identify and analyze transactions with a high risk of fraud and to prevent fraudulent use by third parties. Automatic learning of increasingly sophisticated fraud methods and early detection of the latest trends enable quick and highly accurate detection of unauthorized credit card use from a huge amount of transaction data. 2 Fraud prevention by means of device identification technology Rogue device detectionThis service detects fraudulent activities on the Internet by using technology that identifies every device used by the customer. Detecting and preventing fraudulent credit card applications and identity-theft shopping on the Internet eliminates anxiety about Internet transactions and enables the provision of safe and secure Internet services. 3 Face recognition technology to prevent identity theft eKYCLIQUID eKYC, a new identity verification service provided by Liquid Inc., which possesses biometric identity verification technology, allows customers to complete the sign-up process online by simply taking a picture of their identity documents and face image, etc. By combining this service with "Saison Connect", which links Saison's card information through an API, customers can use their credit card immediately with their smartphone (mobile payments) after completing the screening process without waiting to receive the plastic card. Providing financial infrastructure in overseasAiming to contribute to regional economic development by achieving financial inclusion in emerging countries focused on Asia, we provide financial services through partnership with local companies, corporate venture capital business, impact investing business and more. Point Exchange and Donations by CardWe are participating in activities with high social significance and providing support for natural disaster recovery through Eikyufumetsu points and donations through Saison Card & UC Card payments. Point Exchange and Donations by Card（one example）
Education for the Next-Generation and Financial EducationWe take steps to educate the next generation and give them financial education by targeting young people across a number of age groups, from middle-school to university students. Our main activity for this purpose is School Visit: SAISON TEACHER, in which our employees visit schools and give classes on finance to help students deepen their financial knowledge. The primary purpose of this program is to help students, mainly middle- and high-school students, grow into independent consumers. Supporting Sports and Cultural ActivitiesWe support the activities of the Japanese national soccer teams and also host youth programs. Credit Saison is also a sponsor of performances in Japan by José Carreras, one of the members of The Three Tenors, and makes donations to and supports the activities of the José Carreras Leukaemia Foundation. Partnership agreements with local governmentsCredit Saison concluded a partnership agreement on disaster prevention and education with Yokohama City and set up the Bosai Café to educate people about how to prevent and mitigate disasters. As part of this program, we make donations to Yokohama City's disaster awareness program and to hold disaster prevention workshops. We also signed a partnership agreement on health promotion with Fukushima Prefecture and in addition to supporting activities that promote people's health, we also make donations to the prefecture's animal welfare center. Also, we have also signed a comprehensive agreement on cooperation with Kanagawa Prefecture and are working together to revitalize the local community and solve social issues using Eikyufumetsu Points.
Yokohama City disaster prevention and mitigation workshop Donating to the Fukushima Prefecture Animal Welfare Center Incorporating advanced technologies and ideasIn Japan Saison Ventures Co., Ltd. (incorporated June 2015), the first corporate venture capital firm in Japan’s credit card industry, is engaged in the development of new financial services and business collaboration through open innovation with Japanese venture companies with advanced and innovative technologies in a wide range of areas such as FinTech, IoT, and AI.
Outside Japan Saison Capital Pte. Ltd. (established June 2019), a provider of investments and loans mainly to early-stage companies outside Japan, is expanding its corporate venture capital business that provides investments and loans to promising startups not only in Asia but also in Africa, South America, and other parts of the world by collaborating with businesses already established in those markets and quickly incorporating innovative business models. Initiatives to improve the quality of customer serviceProvision of information in sign languageWe have established a contact point at our Information Center where customers with hearing or speech impairments can ask about various procedures or make other inquiries via a video phone. The video phone enables smooth communication and timely guidance. Initiatives for universal manners and manners toward LGBTWe encourage employees to take the Universal Manner Test*1 to learn the “mindset” and “actions” that enable them to act from the perspective of someone different from themselves, such as an elderly person or a person with a disability. We also participate in LGBT*2 manner training*3, where we learn about the concerns and anxieties of the LGBT community, and learn specific knowledge and ways of dealing with the community in order to provide support.
Dementia supporter training lecturesAgainst the backdrop of Japan's aging population, we hold dementia supporter training lectures (online) constantly for all employees with a view toward creating a society where everyone can live securely in the community that is home to them. By ensuring that employees acquire the correct knowledge and understanding about dementia, we aim to improve their skills for supporting the many customers who have a stake in Credit Saison, not to mention people showing signs of dementia. What is the rating of Credit Saison Japan?Dec 22, 2022 Rating and Investment Information, Inc. (R&I) has announced the following: RATIONALE: R&I Affirms A+/a-1, Stable: Credit Saison Co., Ltd. Is Credit Saison a good company?Is Credit Saison India a good company to work for? Credit Saison India has an overall rating of 4.1 out of 5, based on over 44 reviews left anonymously by employees. 86% of employees would recommend working at Credit Saison India to a friend and 94% have a positive outlook for the business. What is the Japanese name for Credit Saison?Credit Saison Co., Ltd. (株式会社クレディセゾン, Kabushiki-gaisha Kuredi Sezon), commonly known as Credit Saison (クレディセゾン, Kuredi Sezon) or simply Saison (セゾン, Sezon), is a Japanese financial services company affiliated to Mizuho Financial Group. What is the most used credit card in Japan?Powered by Mastercard and JCB, Orico Card is one of the most popular credit cards in Japan, with 11 million users. The card is issued by Orico, a financing company that issues loans. Orico's “The Point Card” is their most popular credit card plan, which has no annual or monthly fees. |
