Initiatives to Improve Corporate Value
Strengthening of Value Creation Capabilities:
Cashless and DX Solution Business
Offer convenience for household finance and corporate transactions
[Cashless retio /
market-size*]
[Status of measures to secure
conformity with the revised
Electronic Book Storage Act*2]
000
Corporate
Individual
[Settlement related income]
(JPY bn)
Corporate
transaction
Resona
[2016]
20.0%
[2022]
36.0%
Done
B2B
B2C
Earnings
Purchase
Not done
78%
Settlement
Expenses
Household
finance
Salary income
Consumption
Utility costs
76.5
72.5
JPY60 tn
JPY111 tn
End of transitional treatment
Scheduled for Dec. '23
Data
Open
FY'22
FY'25
(Act.)
(Plan)
Debit card
B2C / B2B
Offer a diverse range of services to meet needs for cashless and digital operations
Resona Cashless Platform B2C
[Amount of card settlement transactions]
Issuing + Acquiring *3
(JPY tn)
●Individual debit card:
Equipped as standard in the deposit account
➤ High-value-added “Resona debit card (premium)" made
available to customers (since Apr. '23)
Corporate debit card: Growing need as a settlement method
[# of debit card issued]
With an all-in-one terminal,
responding to diverse
payment needs
[Introduction (planned)]
(# of corporate customers)
[Debit card income]
(million)
3.15
(JPY bn)
2.04
5.1
0.49
KMFG 0.18
2.3
2.65
RB.SR 1.85
'20/3
'23/3
FY'19
FY'22
2.0
1.5
3,500
Number of
introduced
1,100
stores
About 15,000
'20/3
'23/3
FY'22
(Act.)
FY'25
(Plan)
10 years
later
Resona One-Stop Payment B2B
DX support to help bill-paying more efficient
➤ Offer a comprehensive set of services to meet needs for measures to
secure conformity with the Electronic Book Storage Act and otherwise
streamline operations
(digitization of bills → online payment → storage of electronic data)
*1. Ministry of Economy, Trade and Industry. News release dated April 6, '23
*2. Research by RAKUS Co., Ltd. (As of Jan. '23) *3. Including group companies
Collaboration within and outside the Group
Data / Open
⚫ Enhance the content of solutions to be delivered via the combination of
all Resona Group members
Deliver proposals on one-stop solutions backed by Group functions
Rolling out Resona Group services to KMFG
Co-creation with external partners: Capital and business alliance with
Digital Garage (Nov. '22)
Resona Holdings, Inc.
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