The AIFUL Group provides unsecured loans and small business loans tailored to the needs of customers by applying the know-how it has developed over the years.
In unsecured loans, the AIFUL Group responds to needs of customers through the “4S” approach, in addition to developing creative products, which is the Group’s strength. The four Ss are “Speed (prompt and convenient),” responding to the urgent needs of customers, “Simple (simple and convenient),” offering simple application procedures and transactions, “Secret (maintaining confidentiality),” observing the privacy of customers, and “Safe (safety and reliability),” providing counseling when customers receive or return loans.
Small business loans
Applying the credit know-how that it has developed over the years, the AIFUL Group responds to the funding needs of individuals and business operators through a diverse range of products, and clear and prompt credit offering. The product lineup includes AIFUL’s “business support plan,” in which either secured or unsecured loans can be extended, and BUSINEXT’s “Ifu Dodo,” a product that responds to the needs of medical institutions, dispensing pharmacies and nursing business managers.
AIFUL manages a total of 880 branches nationwide, with 20 manned branches and 860 unmanned branches (as of April 22, 2019).
In April 2019, sales of AIFUL Group corporations’ products designed for corporate customers commenced at manned branches as a corporate sales structure in the group. This was to facilitate the recruiting of LIFECARD member stores and to improve flexible and speedy sales of group products, such as corporate cards and BUSINEXT medical institution loans. In this way, we are further expanding the businesses.
AIFUL and partnership ATMs
The AIFUL Group strives to ensure the convenience of customers by making ATMs available to customers. There are 462 AIFUL ATMs, and as many as 101,121 partnership ATMs (as of March 31, 2019). AIFUL ATMs also provide services to customers of LIFECARD and BUSINEXT, enabling them to fully enjoy the merits of the AIFUL Group.
Unlike the existing automatic contract machine, customers are not required to operate machines when using Temairazu (simple and quick), an unmanned contract telephone box. They process the necessary procedures directly with operators through the telephones that are installed in the box, shortening the entire contract process from application to actually entering the contract. In this sense, the box serves as a contract room that meets the needs of customers, including those who are busy and have no time to go through lengthy procedures. The AIFUL Group has established these boxes at 912 places nationwide (as of March 31, 2019).
AIFUL renewed its smartphone application in May 2018, as we see it as our important point of contact with customers.
To further increase customer convenience, the application allows complete on-line operation from application to contract, logging-in with biometric authentication for safety, and cardless withdrawal and deposit transactions at Seven Bank ATMs throughout Japan, as well as real-time checking of current loan status.
At the Contact Center (Kusatsu, Shiga), the Adeptra system which interlocks CTI (computer-telephony integration), short messages and IVR (interactive voice response) services, is being used for the first time in Japan for “Temairazu” reception, on-line applications, formulating responses to various types of inquiries and guidance with regard to payments. Using the system, we can respond to inquiries and requests from our customers throughout Japan.
In general, IVR is used only to receive telephone calls from customers. At AIFUL, we also use the IVR system and SMS when we contact customers.
Since Adeptra was introduced, we have been able to cut the workforce required for collecting money, while increasing the number of telephone calls we make to our customers. Thus, the efficiency of collection and productivity has increased.