Investment Proposals

We are adding affiliated merchants to give cardholders broad flexibility to shop with their cards within the AEON Group and at other companies. We are also complementing our credit cards by introducing new terminals for e-money including WAON and for payment via UnionPay. In addition, we are introducing Aeon Regi, which comprehensively supports e-commerce businesses with a safe, secure environment for affiliated merchants. These initiatives improve customer convenience and increase sales for affiliated merchants.

We offer card users an array of privileges including discounts on AEON purchases and point services.

AEON Bank's comprehensive account allows the use of ordinary deposits, time deposits and savings-type time deposits. In addition, deposits in comprehensive AEON CARD SELECT accounts carry a higher bonus rate of interest.

AEON Bank offers a variety of loans to meet the diverse needs of customers, including card loans, unsecured (“free”) loans, and education loans.

E-Money Business

The Group is increasing the number of places where customers can use WAON and other types of e-money, both inside and outside the Group. The use of WAON started at approximately 12,000 LAWSON stores nationwide, and WAON is now accepted for payment at AEON Group stores throughout Japan and at other locations including convenience stores, fast food outlets and major leisure facilities.

「WAON is a form of e-money administered by AEON Co., Ltd. Information including stores and affiliated merchants that accept it is available at the official WAON website

Call Center Operations

We operate the call center for credit cards and AEON Bank. The call center is open from 9:00 am to 9:00 pm every day of the year to respond to inquiries regarding applications, requests for materials, and other matters. The call center also leverages the phone answering system it has constructed and its expertise to serve as a call center contractor for companies outside the Group.

Insurance Agency Business and Short-Term Small Amount Insurance Business

AEON Insurance Service Co., Ltd. is in the insurance agency business and operates AEON Insurance Shops, primarily at AEON shopping centers. We have improved convenience by enabling customers to makes reservations online for visits to an AEON Insurance Shop. Lifestyles and living environments are becoming increasing diverse, so we are proposing appropriate products to meet various customer needs and providing courteous, high-quality service.

The goal of the short-term, small amount insurance business is to design products that support our customers’ lives because they are easy to understand and useful. We offer unique AEON short-term, small amount insurance products from medical insurance to pet insurance for pet health liabilities and automobile insurance. We also design products in collaboration with our partners that address market needs. Our partners market these products as their own branded products.

Leasing Business

ACS Leasing Co., Ltd. entered the leasing business in December 2015 by taking over the leasing business from The Daiei, Inc. subsidiary Japan Distribution Leasing Corporation. We are expanding this business to serve the leasing needs of the AEON Group and its associated companies.

We manage, collect and purchase monetary claims specified by the Act on Special Measures Concerning Claim Management and Collection Businesses, which are receivables from financial and other institutions.
Types of receivables involved include credit card debt, automobile (“my car”) loans, unsecured (“free”) loans, and housing loans.

This business has a consistent lineup that ranges from primary servicing (management of normal receivables) to special servicing (management and collection of delinquent loans). When originators come to us with a problem, we quickly transition to servicer operations, provide notification that the servicer has changed, and put systems in place to smoothly handle subsequent billing and collection.

Initiatives centered on Hong Kong (Hong Kong, Taiwan, China)

Hong Kong was our first overseas base. We established a subsidiary there in 1990 and listed it on the Hong Kong Stock Exchange in 1995. We are adding cardholders and increasing transaction volume by recruiting cardholders and executing sales promotion plans at AEON Group stores and partner companies.
In addition, we are entering new customer segments by issuing affinity cards for airports in Japan, AEON Stores (Hong Kong), and our three AEON Credit Service subsidiaries in Asia, and by acquiring cardholders at train stations, airports and office districts. We are also promoting card use among tourists visiting Japan in ways such as executing joint marketing programs with AEON stores.

Initiatives Centered on Thailand (Thailand, Vietnam, Cambodia, Myanmar and Laos)

We established a subsidiary in Thailand in 1992. This was our second overseas base after Hong Kong and we listed it on the Stock Exchange of Thailand in 2001. Our business is expanding steadily. We are acquiring cardholders at retail stores in Thailand and increasing the number of cardholders in ways such as issuing a finance card with ticketing and e-money functions in an alliance with BTS Group Holdings, which operates an elevated railway in Bangkok. We are also promoting card use by distributing bonus coupons to tourists traveling to Japan from Bangkok through business partner Thai Airways. These coupons can be used at AEON Stores in Japan. Moreover, we are leveraging our credit business expertise to aggressively build our insurance, leasing and servicing businesses.
We are primarily involved in the installment services business in Vietnam, Cambodia, Myanmar and Laos. We entered the credit card business in October 2015 after becoming the first Japanese company to receive a specialized banking license from Cambodia’s central bank, the National Bank of Cambodia.

Initiatives Centered on Malaysia (Malaysia, Indonesia, India and the Philippines)

We established a subsidiary in Malaysia as our third base in Asia in 1996. We listed it on Bursa Malaysia in 2007. We are adding cardholders and expanding transaction volume by acquiring cardholders via the AEON Group and conducting joint programs with business partners. In addition, we are expanding the scope of our business in ways such as issuing an affinity card for AEON BiG Malaysia that also has point capabilities. We are also digitalizing stores to improve customer service and realize low-cost operations. We are aggressively going paperless with the use of tablet computers and digital signage.
In Indonesia, we began issuing credit cards from 2013 and are working on acquiring cardholders via partner companies. In India and the Philippines, we are expanding our network of stores that use our installment services.