Through non-bank financial institutions and microfinance institutions, we provide small loans to low-income individuals and small businesses, hoping to bring prosperity to more people with social objectives such as poverty reduction and entrepreneurship support. The app we are integrating our services with is equipped with the Buy Now, Pay Later (BNPL) feature, a flexible payment method that has been growing rapidly in recent years.
BNPL is a “buy now, pay later” system that has become widely popular, especially among young adults and online shoppers who do not have credit cards. While the ability to pay in installments without interest or at low interest rates is a feature of BNPL, and risks such as excessive consumption and over-indebtedness have been pointed out, the BNPL market is growing rapidly in the U.S., Europe, and Asia as a global trend.
We hope to promote a BNPL model that incorporates microfinance techniques and contribute to expanding and improving access to finance through tighter regulation, AI-based credit management, and the introduction of environmentally friendly and sustainability-oriented payment options.
Through the change from “auto finance to BNPL,” we will continue to evolve our financial services with an eye on the future global financial market, to serve as an “alternative to credit cards” in developed countries and as a “new financial inclusion tool” in emerging markets.

FEATURE

Make the UAE our base of operations

The demand for used Japanese automobiles in the Middle East is high, and Japanese vehicles are re-exported from here to the rest of the world.
The UAE, in particular, is a major destination and re-export hub for used vehicles from Japan. On the other hand, there are differences in tariff rates and VAT (value-added tax) in each country, as well as a variety of popular vehicle models and price ranges, depending on consumer preferences.
These factors can be comprehensively taken into account while effectively formulating an export strategy for Japanese used vehicles.

Diversify funding sources

We raise funds through equity investments and loans from domestic and foreign investors who invest in the growth markets of their respective countries and in the expectation of high returns.
International financial institutions may also provide loans to non-banks and microfinance in order to enable financing of micro and small businesses and rural enterprises.

In addition, some countries prepare financial assistance packages to recapitalize financial institutions and strengthen risk management.

In recent years, as part of their corporate social responsibility (CSR), financial institutions in developed countries have been offering low- or no-interest loans to developing and emerging countries as a source of funds for loans.

Our Vision

One car can change a life.
One motorcycle saves a family.
We aim to enrich the lives of people around the world by helping them realize their futures through automotive finance.

Drive the Future, Empower the People.
To achieve these goals, we will continue to make further efforts in the future.

Expanded export area

Dubai, in the United Arab Emirates (UAE), has become a major concentration point, with over 200,000 used Japanese-made vehicles exported annually (2023 statistics). There is a special economic zone dedicated to the import and re-export of used vehicles, and many used car dealers are concentrated in this area, where a wide variety of vehicles, including European cars that were used in Japan, are gathered.
In addition to exporting directly from Japan to Mongolia and other African countries, we would like to take advantage of Dubai’s geographical advantages and the preferential treatment offered by the SEZ to re-export to Middle Eastern countries, Africa, South Asia, and other regions.
Currently, especially in the export areas of right-hand drive vehicles, such as East African countries, the durability and reliability of Japanese cars are highly appreciated and competition is becoming increasingly fierce.
Therefore, in order to differentiate ourselves in terms of export models and price ranges, we are committed to accurately grasping local needs and adopting a flexible export policy.
We will gradually develop the target areas for exporting left-hand-drive cars from countries where our group has bases, with a focus on Middle Eastern countries, with an eye on West and Central Africa, and we hope to continue delivering automobiles to people around the world to improve their lives and realize more comfortable lifestyles.

Mobile Loan Utilization

We are committed to protecting our users by ensuring soundness and transparency as a financial institution by complying with regulations imposed by government authorities in accordance with local laws.

Currently, smartphones are already in use even in countries where the population does not have access to bank accounts or where credit cards are not widely accepted. Therefore, we are developing a mobile loan service to enhance credit management using digital tools by utilizing our proprietary apps. By leveraging fintech technology, we can help bridge the credit gap by reducing customer credit risk and enabling customers to complete everything at their fingertips, including loan application, identity verification (KYC) procedures, linkage with credit scores, notification of screening results, and management of monthly loan repayments. This will help bridge the credit gap.

In addition, by collecting information on the operation and location of not only automobiles but also motorcycles, we are able to guarantee collection in the event of an emergency, thereby strengthening the risk management of loans.
We are committed to providing automobiles to as many people as possible, helping many people achieve financial independence and changing people’s lives.

Through these efforts, the Group’s non-banks and microfinance institutions will provide a variety of financial services, including automobile financing, while contributing to expanding access to finance and streamlining the lending process under stable funding and appropriate regulations.

Our Future

Expanding services from automobiles to all kinds of goods…
With a non-bank in Mongolia as the mother company, we will provide funding to non-banks and microfinance institutions around the world and promote efforts to eliminate disparities in access to finance by enabling as many users as possible to smoothly access loans. We aim to realize a society where people can enjoy financial services by utilizing applications from the smartphone at hand.
Starting with automobiles, we hope to eventually apply mobile loan services to the purchase of various consumer goods that enrich people’s lives.
We will promote initiatives that can provide services that support people’s financial independence and deliver security and safety in the lives of people around the world, as they transition from the consumer society that will come afterwards to an era of buying what is truly important in a mature market over time.
We will continue to expand our financial services business to all corners of the Middle East, Asia, and Africa, using the financial services system that we started in Mongolia and Tanzania, with mobile loans as the first step, so that we can help as many people as possible to realize secure and prosperous lives.