The Commitment of Top Management

JACCS started its department store installment business in 1954 by issuing coupon tickets to recruit members, driven by the desire to “enrich the lives of our customers” and “make society more convenient.” This spirit has been passed down over the last 70 years and remains integral to our corporate philosophy of “contributing to the realization of a 'dream-filled future' and a 'prosperous society.’” As part of our ongoing commitment to this philosophy, we provide various payment services. Offering safe, secure, accessible, and highly convenient services is the very essence of JACCS and lies at the core of our business. We believe that these efforts contribute to sustainability by becoming part of our customers’, merchants’, and business partners’ daily lives and supporting their richer lifestyles.

In our mid-term three-year management plan “Do next!” starting from FY2025, we have outlined “Sustainability Management,” “Human Capital Management,” and the “DX (Digital Transformation) Strategy” as foundational elements for supporting our key strategies. In sustainability management, we address societal challenges and environmental issues by prioritizing five critical materiality aspects determined by the JACCS Group while integrating such efforts with our management policies. This approach fuels meaningful initiatives that enhance corporate value and contribute to building a sustainable society. Specifically, in responding to societal issues, we have identified human rights risks and addressed human rights due diligence based on the JACCS Group Human Rights Policy. Our initiatives also include promoting diversity, such as appointing female executives, and advancing health management. Regarding environmental issues, we have endorsed the Task Force on Climate-related Financial Disclosures (TCFD), enhanced scenario analyses, and pursued measures to realize a decarbonized society. These efforts include activating solar power plants under Virtual Power Purchase Agreements based on non-fossil certification contracts for renewable electricity and transitioning buildings within domestic operations to renewable energy contracts. Additionally, our Sustainability Committee, established under the direct supervision of the Board of Directors, discusses a wide range of topics such as ESG initiatives' progress and sustainable procurement, strengthening sustainability management in an ongoing manner.

In human capital management, we have defined our ideal state as “Enhancing Well-being and Corporate Value Through Improved Human Capital Management,” and we promote health management initiatives, engagement enhancement policies, diverse talent portfolio structuring, and proper resource allocation while cultivating a healthy and wellness-oriented workplace environment.

In terms of DX strategies, we aim to provide accessible and convenient services through creating digital customer touchpoints, while accelerating data-driven decision-making, digitizing operations, and implementing various measures.

Looking ahead over the next few years, we recognize the increasing importance of accelerating sustainability efforts. In the United States and Europe, counter-ESG movements, carbon neutrality, and environmental regulation easing trends have emerged. These can be attributed to political and economic factors, such as changes in governmental leadership and corporate performance downturns, along with reactive shifts against rapidly tightened restrictions within a short period. On the other hand, severe weather phenomena caused by global warming are becoming more frequent not only in Japan but around the world. Beyond this, pervasive issues such as poverty and food self-sufficiency remain unresolved, making the achievement of SDGs on a global scale highly challenging. Furthermore, there is a growing demand to address these challenges collectively, not only at the corporate level but also across supply chains. Against this backdrop, JACCS is committed to maintaining sustainable management from a long-term perspective, avoiding being swayed by short-term fluctuations. Addressing climate change and societal challenges helps mitigate business risks and create new opportunities, underscoring its irrefutable importance.

JACCS has set its long-term vision to “Establish a top brand as Asia’s consumer finance company.” Strengthening non-financial information, such as sustainability management and human capital management, is indispensable for achieving this vision. By enhancing our efforts in Environmental, Social, and Governance (ESG) areas, we aim to earn trust from our employees, customers, and society, striving for the realization of our corporate philosophy and long-term vision while maintaining sustainable growth.

Ryo Murakami
Representative Director and President
April 2026