Vice Chairman and Representative Director, President of Rakuten Credit, Chief Information Officer and Executive VP, Innovators, Tech enthusiasts, Data Geeks, and people that want to change the world for the better. The specific associations include Japan Ryokan Association, Japan Hotel Association, and Japan City Hotel Association. We are looking for people who share our ambition to improve the way people live and drive progress in society through our revolutionary services. In addition, in-house development of IT systems offers advantages with regard to the development of new services. The more people we can empower, the more completely we will fulfill this mission. 1. It began operating as Japan's third internet bank in July 2001. Rakuten Bank debit card pays the highest level of reward points in the industry. Only when we work together can this diversity become an important source of strength. The bank's sales staff inquire about the issues facing management, and then provide a tailor-made service that utilizes IT technology, which is Rakuten Bank's strength. As a result, conventional banks are unable to compete with online-only banks in terms of price competitiveness. Rakutens mission is to empower people and society through the Internet. Empowering people to realize their hopes and dreams, Get Things Done people are absolutely committed to reaching their goals. In addition, global gross transaction value (GTV) was 26.9 trillion yen, up +20.5% YoY.In Q4 FY2021, the average number of monthly active users across the Rakuten Group in Japan grew +12.2% YoY, and the percentage of users who use more than one service reached a record high of 74.7%*1. As of March 31, 2020, Rakuten Banks total accounts came to 8.68 million, making it the largest online bank in Japan. Amazon Business Model - How Amazon Makes Money Rakuten Bank's IT systems have been developed in-house by employees who are knowledgeable about banking operations. In the mobile carrier service, new customer acquisition is progressing steadily, and in line with the end of the one-year-free campaign, the revenue contribution from user mobile fees is gradually increasing. Excludes some tax-exempt businesses, includes consumption tax. However, it is not the case that all online banks do not maintain branches, do not have ATMs, and do not use hard-copy documentation. In an ideal world, the digitalization of a product or service would occur without compromising the consumer value proposition. It became clear that many other types of value added services were required or desirable to make the marketplace functional, highly integrated, and scalable, and so to create the competitive value proposition for which Rakuten is now so well known Initially these value adding complementary services were supplied by third The bank then formed a capital and business tie-up with Rakuten, Inc. in August 2008. Consequently, it is the largest-scale rewards program in Japan's banking industry. We respect human rights of all and uphold individual dignity. This achievement was followed by many major milestones. The percentage of contracts from Mobile Number Portability (MNP) transfers and those migrating from the MVNO business which tend to have high data consumption and low churn rates continues to increase.

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