Management Themes and Strategies

Management theme

Management theme

Vision for each policy

Amid the diversification of social needs due to reforms in the industrial structure, lifestyles, and consumer lifestyles, it is necessary to grasp deeper needs and optimize each management resource in order to solve new needs created by social changes.

Vision for each policy

Management Strategy

In order to realize the AIFUL Group's management themes, we will focus on diversifying our business portfolio and utilizing digital technologies while investing in effective advertising and promotions that leverage AIFUL's recognition.

Diversification of Business Portfolio

  • ・Leverage multiple products, change business portfolio, and change to a structure that does not rely on the consumer finance market.
  • ・Aim to generate new earnings and improve the brand by strengthening To B sales and fee businesses through a sales organization  that leverages AIFUL's name recognition and group products.
  • ・Stabilize the foundation for profits of Group companies and our overseas business before the domestic consumer finance market takes a downturn.
  • ・Among diversification, businesses and products that are difficult to achieve profitability implement strategic withdrawals and minimize risks.

Utilization of Digital Technology

  • ・Adding IT technology and analysis to further strengthen credit capabilities to meet the expectations of many customers.
  • ・Develop in-house systems and create highly flexible content utilizing the latest digital technologies.
  • ・Improve account productivity by introducing effective systems and reviewing business flow such as RPA.
  • ・Implementation of sales and financing activities with an awareness of fund efficiency through analysis incorporating AI.
  • ・Complementing our system-development capabilities through alliances with Tech companies, etc.