Loan Business

AIFUL’s consumer loan services are continuously enhancing UI/UX through improvements to the official website, smartphone application, and online application forms, enabling prompt responses tailored to customer needs. The Company also pursues advanced initiatives, such as partnering with Japan Post Bank ATMs and launching Japan’s first service on Seven Bank ATMs that allows customers to submit income information using their My Number Card.

In addition, AIFUL is working to manage acquisition costs through an effective and efficient advertising strategy centered on television commercials and online media.

AG Business Support offers a suite of corporate loan products, including real estate-secured loans and factoring services, both of which are expected to remain growth drivers going forward. Leveraging credit-assessment expertise accumulated over many years, the Company continues to meet the financing needs of businesses—including small and medium-sized enterprises—while steadily expanding its loan balance.

AG Medical provides loans secured by medical reimbursement claims and is strengthening its financial services for the healthcare sector to meet the needs of medical institutions and long-term care operators. Going forward, the Company will continue to support businesses by proposing financing solutions for working capital and other diverse operational needs, along with well-structured repayment plans.

Recognizing smartphones as a critical customer touchpoint, AIFUL relaunched its mobile application in May 2018.

To enhance convenience, the entire process from application to contract can be completed online. For security, biometric authentication is enabled, and cardless transactions are available at Seven Bank and Lawson Bank ATMs nationwide. Customers can also check their account status in real time.

At the Shiga Contact Center, AIFUL has established an integrated operational structure that consolidates acceptance of web-based applications across the Group, product inquiries, customer repayment consultations, and various administrative tasks.

The Company has enhanced operational efficiency through the development of internal systems, including web application forms integrated via API with AIFUL’s credit-scoring system, as well as a proprietary customer-interaction management platform. In addition, the introduction of Amazon Connect and Salesforce Service Cloud further supports streamlined operations.

AIFUL continues to strengthen smartphone-based services and promote digital transformation (DX) to deliver highly convenient services that align with customer needs.