Orient Corporation

Founded in 1954, Orico has been a frontrunner in the consumer credit industry, providing safe, secure, and convenient financial services that meet the evolving needs of our customers. As an intermediary between customers and merchants, we facilitate transactions by offering payment solutions that help both parties realize their “desire to buy,” “desire to sell,” and “desire to fulfill.” Throughout our history, we have introduced numerous innovative services ahead of our competitors. Moving forward, we remain committed to enriching lives by continuing to deliver trusted, reliable services in today’s rapidly changing world.

In 2015, we began expanding our auto loan business into the growing Southeast Asian market, starting with Thailand, followed by the Philippines and Indonesia. Over the past eight years, we have witnessed significant growth in the middle-income class and increasing consumer activity in these regions. As part of our commitment to contributing to sustainable societies where everyone can realize a fulfilling life, we aim to further grow our overseas business. This includes developing new ventures beyond auto loans in the countries where we already operate, as well as exploring new markets, with Vietnam positioned as our next potential destination.

Since its establishment, Orico has been a pioneer in the consumer credit industry, providing a wide range of services tailored to the lifestyles and payment needs of each era.

Orico has combined its accumulated expertise in a wide variety of fields to provide a one-stop shop for a wide range of settlement services.

Main Businesses
・Individual Products Sales Business
　We meet a wide range of customer needs, such as car purchases and shopping.
・Credit Card and Loan Business
　We offer a wide variety of credit cards with superior design and functionality.
・Bank Guarantee Business
　Orico guarantees loans to individuals at financial institutions by utilizing its screening and guarantee
　know-how.
・Settlement and Guarantee Business
　Orico provides support for payment collection services for businesses in the payment of rent, accounts
　receivable, and other payments that occur in the field of business.
　We provide support for payment collection services for businesses in the payment of rent, accounts
　receivable, and other payment scenarios that occur in business settings.
・EC Settlement Solutions
　We provide web-based payment systems for Internet transaction businesses.

Orico continues to take on the challenge of becoming a financial services group for a new era that creates value from the customer's perspective.

Orico's four challenges:

(1) Cultivate priority markets and explore new markets
Orico is strengthening its settlement and guarantee business and overseas business, both of which are growing markets. In particular, Orico will further expand its overseas business domain with bases in Thailand, the Philippines, and Indonesia.
We are also working to create new profit-earning opportunities through digital technology and open innovation.

(2) Establishment of market-in type sales
We are working to establish a market-in sales approach to provide financial services that meet the needs of member stores in a timely manner.
We will secure digital contacts with our current more than 11 million customers and strengthen our web promotions.

(3) Creation of new products and services through collaboration with different industries and cutting-edge companies
We are creating new customer experience value by digitizing credit cards to realize instant card issuance and introducing a negotiation system to complete auto loan applications online.

(4) Deepen process innovation
We are enhancing our web services for customers and merchants to improve customer convenience and our company's productivity.
We are also using digital technology to automate operations and reduce printing and mailing costs and CO2 emissions associated with the production and disposal of paper and plastic.