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.
*1 The ratio of approved transactions to transactions denied by our credit screening system for NP Atobarai and NP Atobarai air during FY3/25 (limited to unique users) *2 As of March 31, 2025.
Ratio of outstanding unpaid transactions for NP Atobarai and NP Atobarai air in excess of 18 months to total transactions recorded during such fiscal period on a GMV basis. The ratio for FY3/24 is based on unpaid transactions as of the end of March 2025 (including transactions prior to writing off of delinquent debt).
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. "
OFFICIAL ACCOUNT
