Business Overview

Net Protections provides Buy Now Pay Later (BNPL) services for individuals, businesses, e-commerce, and physical retailers.
NP Atobarai is a BtoC BNPL service for e-commerce,
and atone is a cardless BNPL service with membership benefits which is available for e-commerce, digital content, and even physical stores.
By utilizing operation knowledge learned from NP Atobarai and atone, we also provide NP Kakebarai for BtoB and AFTEE for Taiwan market.

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Competitive Advantage

Net Protections is favored by customers/business clients and member stores because it has achieved both high credit approval rate and low delinquency rate.
Our credit model based on the big data accumulated from 2002 contributes to increase GMV of merchants
and therefore is a key driver of the group's profitability.

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※1 The ratio of approved transactions to transactions denied by our credit screening system for NP Atobarai during FY3/2021 (Limited to unique users)
※2 As of March 31, 2021
※3 Automatic screening rate as of March 2021

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