Management Report FY2016
17/40 Challenge to the new business model (1)
And this is the basis for our challenge of changing the model of the card business. This could mean creation of a scheme for cardless settlements, improvement in acquisition of new card members through our own applications or applications developed by our partners, or doing everything from start to finish on the Internet, because, you see, 80% or more can be already done without using any paper application forms. I don't know how far Apple Pay and other such services will go, how popular they will become, but at least I think we should go in this direction.