President and Representative Director,
Epos Card Co., Ltd.

In the fiscal year ended March 31, 2019, card applications through commercial facilities, the Internet, and service-related venues proceeded as planned, and the number of new card applications exceeded 800,000 for the first time, bringing the total number of cardholders to nearly 7 million. Another first, total transactions surpassed ¥2.0 trillion.

We are targeting the maximization of the share of EPOS card payments in household finances in order to respond to the future advancement of the trend toward cashless payments.

We are maximizing the share of EPOS card payments in household finances by promoting the use of EPOS cards for rent, utilities, and other payments primarily made via bank transfers. We thereby aim to promote ongoing use among existing cardholders while encouraging them to use their EPOS card as their main card. To accomplish these objectives, we will partner and collaborate with companies in the new areas of rent guarantee services, recurring payments, and subscription-type services.

The EPOS Family Gold card launched in 2018 is being leveraged in our initiatives to convert all members of customers’ families into Gold cardholders. The conversion of all family members to Gold cardholders in households using the EPOS Family Gold card is resulting in steady increases in the share of EPOS card payments in household finances. In 2019, we began conducting EPOS Family Gold cardholder recruitment via our website and via email and also started encouraging customers to apply in stores. The goal of these efforts is to accelerate the expansion of our Family Gold cardholder base with the aim of growing this cardholder base to encompass more than 1,000,000 cardholders in 500,000 households over the next five years.

Going forward, we will seek to maximize the share of EPOS card payments in household finances to increase LTV while growing EPOS cardholders through collaboration and nationwide expansion.