マテリアリティMateriality

サステナビリティに対する基本的な考え方

Based on the "GMO-ism" shared by the GMO Internet Group, management principles "Pursue the spiritual and physical enrichment of like-minded people by contributing to the progress and development of society", and as a leading company in the payment industry, we provide various payment and finance related solutions and platforms, infrastructure of payments We are promoting business activities that support online, cashless, paperless, DX, finance inclusion, etc.
Through such payment-based innovations, we are working to solve a wide range of social issues, such as improving corporate competitiveness and revitalizing socioeconomic activities, through the promotion of our business that supports diverse corporate activities.
Together with the stakeholders who support our business activities, we will contribute to the growth of our customers and the realization of a sustainable society while working to solve social issues, and realize sustainable high growth and enhancement of our corporate value.

マテリアリティ特定プロセス

In order to contribute to sustainable social development and sustainably increase corporate value by solving social issues through our business activities, we have identified important issues (materiality) that will affect our business in the medium to long term and should be addressed on a priority basis through the following process.

Refer to international indicators such as SASB (Sustainability Accounting Standards), GRI Standards, and SDGs, and identify social issues that are highly relevant to our business based on social trends surrounding our business.

Conduct material assessments from the perspectives of external stakeholders based on dialogue with shareholders and institutional investors and evaluations of ESG rating organizations, as well as from the perspective of the company with an eye on business opportunities and risks, such as financial impact and contribution to business growth.

Through discussions by the management team including External Director and resolutions of the Board of Directors, materiality is identified and priority themes for sustainability management are formulated.

Materiality Matrix

サステナビリティ経営の重点テーマ

The identified materiality has been organized into five areas and the priority themes of sustainability management have been clarified. In line with our priority themes, we will pursue contributions to sustainable social development and sustainable enhancement of corporate value.

"Social Contribution" through Sustainable Business Growth Based on payment	1Innovation ~ payment Customer growth and social development through the creation of innovation~ Starting from payment, which is a transit point for all economic activities, we provide innovation in a wide range of areas to all companies, helping customers improve their competitiveness and improve operational efficiency in a wide range of areas, from billing to cash flow and payroll payment. Contributing to the realization of a convenient and comfortable society by promoting cashless payments ・ payment Restructuring of commercial distribution and business processes ・ payment Improvement of customer experience and service through process facilitation ・ Responding to the decline in the working population through the automation of payment ・Reduction of social costs through the promotion of cashless payments ・Promote finance inclusion through the provision of diverse payment method and finance access ・ infrastructure of payments Revitalization of local communities through development
2Trust ~Sustainable operation of infrastructure of payments that supports society~ As a company responsible for the social infrastructure of payment, we contribute to ensuring the safety and security of social and economic activities by improving the stability and reliability of our own operations. ・Stable and continuous operation of the payment system, which is the infrastructure ・Strengthen information security to support secure payment transactions ・Elimination of fraudulent transactions based on laws and regulations such as the Proceeds of Criminal Proceeds Act
3Decarbonization ~Contribution to the global environment through cashless~ Transforming cash and paper processes and focusing on reducing CO2 emissions ・Reduction of environmental impact through cashless payments
"Management Foundation" Supporting Sustainable Growth	4 人財/Human Capital～25%成長にコミットし挑戦する組織力の追求～ In order to overcome changes in the business environment and achieve sustainable growth, we will focus on the expansion of human capital, which is crucial, as the most important issue for the organization. ・Drastically strengthen human capital to drive 25% growth ・Support for self-fulfillment through the creation of a healthy and comfortable working environment ・Realization of diversity and inclusion to strengthen the organization
5Governance ~Practice of Sound and Responsible Management~ In order to maintain healthy, stable, and high growth, we will focus on strengthening our governance system to enhance the effectiveness of risk-taking and external monitoring. ・Establishment of corporate governance to ensure sound and high growth ・Thorough preventive risk management to support high growth ・Ensuring transparent and fair management through information disclosure

"Social Contribution" through Sustainable Business Growth Based on payment

1Innovation ~ payment Customer growth and social development through the creation of innovation~

Starting from payment, which is a transit point for all economic activities, we provide innovation in a wide range of areas to all companies, helping customers improve their competitiveness and improve operational efficiency in a wide range of areas, from billing to cash flow and payroll payment. Contributing to the realization of a convenient and comfortable society by promoting cashless payments

・ payment Restructuring of commercial distribution and business processes
・ payment Improvement of customer experience and service through process facilitation
・ Responding to the decline in the working population through the automation of payment
・Reduction of social costs through the promotion of cashless payments
・Promote finance inclusion through the provision of diverse payment method and finance access
・ infrastructure of payments Revitalization of local communities through development

2Trust ~Sustainable operation of infrastructure of payments that supports society~

As a company responsible for the social infrastructure of payment, we contribute to ensuring the safety and security of social and economic activities by improving the stability and reliability of our own operations.

・Stable and continuous operation of the payment system, which is the infrastructure
・Strengthen information security to support secure payment transactions
・Elimination of fraudulent transactions based on laws and regulations such as the Proceeds of Criminal Proceeds Act

3Decarbonization ~Contribution to the global environment through cashless~

Transforming cash and paper processes and focusing on reducing CO2 emissions

・Reduction of environmental impact through cashless payments

"Management Foundation" Supporting Sustainable Growth

4 人財/Human Capital～25%成長にコミットし挑戦する組織力の追求～

In order to overcome changes in the business environment and achieve sustainable growth, we will focus on the expansion of human capital, which is crucial, as the most important issue for the organization.

・Drastically strengthen human capital to drive 25% growth
・Support for self-fulfillment through the creation of a healthy and comfortable working environment
・Realization of diversity and inclusion to strengthen the organization

5Governance ~Practice of Sound and Responsible Management~

In order to maintain healthy, stable, and high growth, we will focus on strengthening our governance system to enhance the effectiveness of risk-taking and external monitoring.

・Establishment of corporate governance to ensure sound and high growth
・Thorough preventive risk management to support high growth
・Ensuring transparent and fair management through information disclosure

Basic Approach to Sustainability

As a leading company in the payment industry, the Company promotes business activities that support online and cashless migration, paperless operations, digital transformation (DX) and financial inclusion by building payment infrastructures as well as providing payment and financial-related solutions and platform. This is based on the "GMO-ism" shared with GMO Internet Group, under which the Company upholds the management principle of "contributing to society to pursue both spiritual and material prosperity for our partners."
The Company is engaged in resolving a wide array of societal Issues, such as socioeconomic revitalization and enhancement of corporate competitiveness through the Company's businesses that leverage innovations centered on payment that support a diverse range of corporate activities.
Together with our stakeholders who support the Company's business activities, we stive to contribute to the realization of a sustainable society and our customers' growth that in turn enhances the Company's corporate value and a sustainable high growth rate.

Identification Process of Material Issues

In order to contribute to the sustainable advancement of society and achieve a sustainable improvement in corporate value by resolving various social issues through our business activities, the Company has identified material issues, using the procedure stated below, that need to be prioritized for their medium-to-longer term impact to the Company's business.

Identify those social issues that have high relevance to the Company's business by assessing societal trends and by referencing international indicators such as Sustainable Development Goals (SDGs), Global Reporting Initiative (GRI) standards and the Sustainability Accounting Standards Board (SASB).

Evaluate these issues based on the Company own perspective by taking into account business opportunities and risks such as contribution to financial performance and business growth, as well as incorporating perspectives of external stakeholders through dialogues with shareholders and institutional investors, and evaluation from ESG rating agencies.

Based on the above analysis and after discussions among management including External Directors and by resolutions voted at the Board, the Company has identified the materiality issues and compiled key themes of sustainability management.

Materiality Matrix

Key Themes of Sustainability Management

The materiality issues identified have been grouped into 5 domains to clarify the key themes of sustainability management. The Company will strive to contribute to a sustainable socioeconomic advancement and a sustainable improvement in corporate value along these 5 themes.

Social contribution through the sustainable growth of businesses centered on payment	1 Innovation～Social advancement and customer's growth through creation of payment innovations～ Beginning with payment, one step in the flow of various economic activities, the Company provides a wide array of innovations to corporates that support operational efficiencies such as invoicing, cash management and salary payment to enhance corporate's competitiveness. Promoting cashless adoption contributes to the realization of a more convenient and comfortable society. ・Reconfiguring operational processes and commercial flows from a payment perspective ・Improvement of service quality and better customer experience through a seamless payment process ・Respond to the decline in labor population with payment automation ・Reduction of social costs by promoting cashless adoption ・Promote financial inclusion by offering various payment methods and financial access ・Revitalization of local communities by building out the payment infrastructure
2 Reliability～Sustainable operation of payment infrastructure to support society ～ As a company responsible for the social infrastructure of payment, the Company strives to improve the stability and reliability of our operations in order to ensure the safety and security of socioeconomic activity of payment. ・Stable and uninterrupted operation of the payment system infrastructure ・Strengthen information security, the bedrock of a secure payment transaction ・Eliminate fraudulent transactions as per the Act on Prevention of Transfer of Criminal Proceeds, etc
3 Decarbonization～Contribute to the Earth's environment through cashless adoption～ Focus on CO2 emissions reductions through the transformation of paper-based and cash-based processes. ・Reduce environmental footprint through cashless adoption.
Management foundation to support sustainable growth	4 Human Capital～Pursue organizational capabilities that embrace challenges and the commitment to 25% growth～ Focus on expanding the critically important human capital base as the highest priority undertaking of the organization as we seek to achieve sustainable growth that can overcome changes in the environment. ・Support self-realization by providing work environment that is healthy and motivating ・Realize diversity and inclusion to further strengthen the organization ・Realize diversity and inclusion to further strengthen the organization
5 Governance～Institute a sound and responsible management～ Strengthen the governance structure to enhance the effectiveness of oversight from external bodies and risk-taking, in order to continue on a sound and stable path of high growth ・Constructing a robust corporate governance structure to secure a sound and sustain a high growth rate ・Thoroughly adopt preventative risk management to support high growth ・Secure a fair and transparent management through information disclosure

Social contribution through the sustainable growth of businesses centered on payment

1 Innovation～Social advancement and customer's growth through creation of payment innovations～

Beginning with payment, one step in the flow of various economic activities, the Company provides a wide array of innovations to corporates that support operational efficiencies such as invoicing, cash management and salary payment to enhance corporate's competitiveness. Promoting cashless adoption contributes to the realization of a more convenient and comfortable society.

・Reconfiguring operational processes and commercial flows from a payment perspective
・Improvement of service quality and better customer experience through a seamless payment process
・Respond to the decline in labor population with payment automation
・Reduction of social costs by promoting cashless adoption
・Promote financial inclusion by offering various payment methods and financial access
・Revitalization of local communities by building out the payment infrastructure

2 Reliability～Sustainable operation of payment infrastructure to support society ～

As a company responsible for the social infrastructure of payment, the Company strives to improve the stability and reliability of our operations in order to ensure the safety and security of socioeconomic activity of payment.

・Stable and uninterrupted operation of the payment system infrastructure
・Strengthen information security, the bedrock of a secure payment transaction
・Eliminate fraudulent transactions as per the Act on Prevention of Transfer of Criminal Proceeds, etc

3 Decarbonization～Contribute to the Earth's environment through cashless adoption～

Focus on CO2 emissions reductions through the transformation of paper-based and cash-based processes.

・Reduce environmental footprint through cashless adoption.

Management foundation to support sustainable growth

4 Human Capital～Pursue organizational capabilities that embrace challenges and the commitment to 25% growth～

Focus on expanding the critically important human capital base as the highest priority undertaking of the organization as we seek to achieve sustainable growth that can overcome changes in the environment.

・Support self-realization by providing work environment that is healthy and motivating
・Realize diversity and inclusion to further strengthen the organization
・Realize diversity and inclusion to further strengthen the organization

5 Governance～Institute a sound and responsible management～

Strengthen the governance structure to enhance the effectiveness of oversight from external bodies and risk-taking, in order to continue on a sound and stable path of high growth

・Constructing a robust corporate governance structure to secure a sound and sustain a high growth rate
・Thoroughly adopt preventative risk management to support high growth
・Secure a fair and transparent management through information disclosure