Our sophisticated credit screening system is the biggest source of competitive advantage for our services. Combining AI technology and big data accumulated over the past 20 years, we have been able to achieve the high credit approval rate and low delinquency rate.
*１The ratio of approved transactions to transactions denied by our credit screening system for NP Atobarai during FY3/2023 (limited to unique users) *２ As of March 31/2024 *３ Automatic credit screening rate as of March,20242022年３月時点の自動審査率。
*1 The proportion of transaction amounts that remain unpaid for over 18 months for each fiscal period for NP Atobarai (As for the fiscal year of March 2022, the proportion of transaction amounts that remain unpaid as of March 2023 is included) *Transactions that are not yet written off are also included.
Every company which choose our BNPL payment service has its unique business model and commercial practice. Therefore, while reducing costs for process of operation which can be standardized, we make fine adjustments to meet the industry/company-specific needs. This satisfies not only companies using our service but also customers/companies' clients while building credibility in our service.
"A solid merchant/user base with high operational capability and risk control ability generates a virtuous cycle, making our service chosen by merchants and customers. "
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