Business Profile

Cedyna was born out of the merger of these three companies in 2009. To meet the various wants and needs of our customers, we offer multiple payment solutions that amalgamate and develop the strengths and know-how from the three companies.

And, as a core company in the consumer financing sector within the Sumitomo Mitsui Financial Group, we can fully utilize the Group's creditworthiness, brand and management resources to further strengthen our operational capabilities and expand our market presence. We aim to be the No. 1 credit card organization in Japan.

"To support every customer's lifestyle and enrich it with security and reassurance, we want to build a lifetime partnership of trust with our customers, by continuously offering products, services and information via our operations in consumer financing that are valued by our customers as they move through the various stages of their lives."

This forms what we call our Customer Value Chain (CVC).

To bring this belief into reality, Cedyna has focused from an early stage on the value of marketing, and has built up its strengths in database marketing. This belief of ours, along with data-mining techniques and know-how spanning over ten years, our customer-oriented way of thinking and the activation of on-site staff, has brought about our unique business and operational style.

We believe that a credit card is not simply a tool for settlement, but also a marketing tool that builds a win-win relationship between three parties: our cardholders, our affiliated partners and Cedyna.

We have fully utilized our strengths in database marketing so that we can offer the products and services each of our individual cardholders needs, when they need it. At the same time, we analyze a vast amount of data on the purchasing behaviors and attributes of over 22 million cardholders and use this to propose the most relevant sales strategies and methods to our affiliated partners. Using such techniques, we aim to build a strong relationship with our affiliated partners and expand card transaction volumes.

The cost of school fees is going up, with reports of one third of an annual income going towards education. We reduce the financial burden on parents and guardians by paying the fees on their behalf, helping to increase and maintain schooling opportunities. We have lined up a range of repayment plans to suit the customer, including deferred repayment plans where only interest fees are repaid whilst the student is at school, and short- and long-term plans.
Cedyna tuition credit was relaunched in March 2011 under the product name "Cedyna Student Loans". Forging business alliances between school and Cedyna, we aim to provide a more convenient and easy-to-use service.

Rent, newspaper subscriptions, membership dues, phone and internet bills, tuition fees and more - these are just some of the many regular payments we need to make in our everyday lives. With our collection outsourcing services, we make these payments simpler for the customer, and reduce the time and cost involved in collecting money and administering payments for our business customers.

We have built up Japan's largest network of financial institutions and have business alliances with all the major convenience stores, and we make use of these to help solve all kinds of issues surrounding money collection and payment.

We offer a factoring service whereby we make payment to our business customers or buy out accounts receivable or products sold, and then handle the entire collection process from invoices to the business customer's counterparties, to demands for payment.
Within our factoring services, we offer consumer factoring aimed at businesses who deal with individual consumers, and business credit aimed at businesses dealing with corporate entities.