Cedyna Financial Corporation

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Message from the President

As a member of the Sumitomo Mitsui Financial Group, our goal at Cedyna is to be a comprehensive payment finance company offering secure and convenient payment methods to individual consumers.

Allow me first to extend my heartfelt gratitude for your continued support.



Cedyna was founded in April 2009 to offer multiple payment solutions based on its three core businesses—credit cards, consumer credit and financing solutions. Since then, we have steadily expanded the scope of our business activities, and in April 2016, we merged with SAKURA CARD CO., Ltd.

As a result, holders of JCB brand credit cards, primarily those issued as 2-in-1 cards in combination with ATM cards for the Sumitomo Mitsui Banking Corporation (SMBC), have been added to our ever-growing client base. In this way, we continue to enlarge our business.


The payment business industry in Japan is changing rapidly with the introduction of such new financial services as “Fintech”, based on IT, and with a diversification of consumer lifestyles, as represented by the increasing use of mobile computing and communications devices. Furthermore, in preparation to host the Olympic and Paralympic Games in Tokyo in 2020, the Japanese government has amended laws related to finance, such as the Installment Sales Act, the Act on the Protection of Personal Information, and the Banking Act, with the aim to convert Japanese society into a cashless society. To cope with these changes, Japan’s financial industry is rapidly adopting advanced security capabilities.



To take advantage of these changes in the operating environment and to meet the current requirements of the cashless society, Cedyna is expediting the expanded use of its contactless payment methods and prepaid cards, the promotion of its credit cards with embedded IC chips, and the improvement of the security of its services by updating its website and introducing new applications.



From officers to employees, all of us at Cedyna, the core company in the payment business strategy of the retail business unit of the Sumitomo Mitsui Financial Group (SMFG), are committed to delivering even higher levels of customer satisfaction and data security by making maximum use of SMFG’s customer trust, brand strength, and extensive business resources. In so doing, our goal is to be always on hand for our individual customers, facilitating their every lifestyle choice, while working closely with our business partners and affiliated merchants to provide them with optimal payment solutions.


We appreciate your counsel and patronage and look forward to your continued support.



June 2017

Cedyna Financial Corporation
President and Representative Director
Satoru Nakanishi