In the past, IT was nothing more than a tool to improve work efficiency within a company. Topics on software were mainly limited to the Information Systems Department. Nowadays, the situation has changed and a relationship has formed between software and all industries, with the use of software becoming something incredibly important in determining business competitiveness.

Credit Saison has the capability to develop, improve, operate, design, and perform data analysis on its own and is building and expanding a system that allows the business side and tech side to cooperate quickly and flexibly and create and improve projects as partners in the same company. We have a hybrid model of in-house development, continuing to promote cooperation with partners in the IT industry as in the past while also having the option for in-house production.

Bimodal Strategy

Credit Saison's digital transformation policies are based on a bimodal strategy that allows two different cultures to coexist: Mode 1, which seriously considers the stability required by financial organizations, and Mode 2, which requires speed and flexibility. We pay our respects to existing technologies while utilizing cutting-edge technology to the fullest, focusing on merging both while recognizing their merits. This also applies to our IT and digitally savvy personnel. We build teams by assembling enterprising personnel and personnel with experience in startups or internet companies based on this strategy.

Digital Transformation for Customer and Employee Experiences

With digital transformations, the use of cutting-edge technology itself tends to get the spotlight, but I believe a digital transformation that doesn't contribute to either Customer Experience or the Employee Experience is an abuse of technology. We will move forward with our digital transformation by persistently focusing on what kind of joy digital technology contributes to, and for whom, while adequately preparing so that this technology can be used freely as needed.