Economic Indicators and Efforts for Sustainability
Business Strategies _ Personal Related I
Providing integrated solutions and customer experience value for each customer by promoting popularization of DHD services including AGENT app
AGENT A bank on your palm
HOME House purchasing plan with a smartphone
9:41
=0
マイページ
メイン口座
127MASAK
三角 AGENT
125.000
2011/10/06 2
キュウリョウ
2021/10/06
コンビニエンスストア
パーソナルアシスタント
也子銀行
コンビニエンスストア
いらっしゃいませ
2011/10.06
エミフルMASAK
2540
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Alternative services for branch functions and internet banking
The app allows performing procedures from
opening of account to inheritance
At the end of fiscal 2023
Targeting
100
✓ Scheduled to implement remitting function in
Spring 2023
Creating highly frequent contact points
with customers
October 2022: Linked with read and write APIs
for Visa debit
thousands of users
Growing as a housing loans infrastructure
73% of HOME rate* and 216 locations of "HOME HOUSE BUILDER," targeting housing companies in the
first half of fiscal 2022
✓ Scheduled to renew main step-up interest rate type products and expand the line-up of group credit life
insurance
(* Percentage of housing loan application (%)
(Hundreds of
Millions of Yen)
9,000
Balance of housing
HOME rate*
8,900
Customer contact points
Building relations with customers
8,800
July 2022: Renewed to UI/UX based on chat
function
(touch points)
Digital touch points
by utilizing digital technology
49
Digital operations
8,700
● Improving usability
Life design based on AGENT
LIFE PALETTE Simulation tool that allows customers to
chart various future plans
Customer consultations
using HOME) 100
90
80
80
73
70
70
70
60
50
8,950
8,900
40
8,856
8,867
30
Channels that can be used
regardless of time and place
8,600-
8,707
20
10
8,500
0
Fiscal 2020
Fiscal 2021
First half of
Fiscal 2022
Fiscal 2022
Plan
Fiscal 2023
Plan
LIFE PALETTE
P
あなたのお金の流れを見ていきましょう
シミュレーション結果
LIFE PALETTE-
b
について
将来どんなことがし
たいですか?
°
渡したいもの
してください。
Consulting
Human consulting
Extensively renewed in September 2022
Significant improvement in UI/UX
✓
Easy and simple check in approx. 10 minutes
Adding new functions such as "Asset Management Simulation"
SAFETY New card loan service that issues notifications on insufficient amount
Number of contracts is increasing following line-up renewal in February 2022
"Premium" type which offers interest rates based on "risk ranking" instead of the "borrow amount"
Number of contracts is increasing due to the differentiation of services and application function
increasing the borrow amount has received a favorable reception, it contributed to an increase in
balance
Expanded target areas in October 2022 to further strengthen promotion
Number of cumulative contracts
Providing value according to each customer's life plan and life
events
(Number)
6,000
By having advance knowledge of users' life events, it makes timely
proposals for adequate advice and product/service possible
Enhancing appeal for customers in the mass retail category by
cooperation of various channels
4,500
3,000
1,500
3,187
6,200
3,600
683
2,233
Providing face-to-face consulting services after sharing life plans
with advisors
0
Fiscal 2020
Fiscal 2021
First half of
Fiscal 2022
Fiscal 2022 Plan
Fiscal 2023 Plan
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