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

当社は、GMOインターネットグループで共有する「GMOイズム」のもと、経営理念「社会の進歩発展に貢献する事で、同志の心物両面の豊かさを追求する」を掲げ、決済業界のリーディングカンパニーとして、各種決済・金融関連のソリューションやプラットフォームの提供、決済インフラの構築などを行い、オンライン化・キャッシュレス化・ペーパーレス化・DX・金融包摂などを支援する事業活動を推進しております。
このような決済を起点としたイノベーションにより、多様な企業活動を支援する当社事業の推進を通じて、企業の競争力向上や社会経済活動の活性化など広範な社会課題の解決に取り組んでおります。
当社の事業活動を支えるステークホルダーの皆さまとともに、社会課題の解決に取り組みながら、お客様の成長や持続可能な社会の実現に貢献し、当社の持続的な高成長、企業価値の向上を実現してまいります。

マテリアリティ特定プロセス

事業活動を通じた社会課題の解決によって、持続可能な社会発展への貢献と持続的な企業価値向上を実現するため、下記のプロセスを経て、中長期に当社事業へ影響を及ぼし優先的に取り組むべき重要課題（マテリアリティ）を特定しました。

SASB（サステナビリティ会計基準）やGRIスタンダード、SDGsなどの国際的な指標を参照し、また当社を取り巻く社会動向を踏まえ、当社事業に関連性の高い社会課題を抽出

株主・機関投資家との対話やESG評価機関の評価などを踏まえた外部ステークホルダーの観点、また財務影響や事業成長への寄与など事業機会及びリスクを見据えた自社の観点から、重要性評価を実施

社外取締役を含めた経営陣による議論、取締役会の決議を経て、マテリアリティを特定し、サステナビリティ経営の重点テーマを策定

マテリアリティ・マトリックス

サステナビリティ経営の重点テーマ

特定したマテリアリティを5つの領域に整理し、サステナビリティ経営の重点テーマを明確化しました。重点テーマに沿って、持続可能な社会発展への貢献と持続的な企業価値向上を追求してまいります。

決済を起点とした事業の持続的成長を通じた「社会貢献」	1 革新/Innovation～決済イノベーション創出によるお客様の成長と社会の発展～あらゆる経済活動の通過点となる決済を起点に、広範な領域でのイノベーションをあらゆる企業に提供し、お客様の競争力向上や、請求から資金繰り、給与支払いまで広範な業務効率化を支援。キャッシュレス推進により便利・快適な社会の実現に寄与・決済起点の商流や業務プロセスの再構築・決済プロセス円滑化による顧客体験/サービス向上・決済の自動化による労働人口減少への対応・キャッシュレス推進による社会コスト低減・多様な決済手段の提供や金融アクセスによる金融包摂推進・決済インフラ整備による地域社会の活性化
2 信頼/Reliability～社会を支える決済インフラの持続的運営～決済という社会インフラを担う企業として、自らの業務の安定性、信頼性の向上を通じ、社会経済活動の安心、安全の確保に貢献・インフラである決済システムの安定継続稼働・安全な決済取引を支える情報セキュリティ強化・犯収法など法令に基づく不正な取引の排除
3 脱炭素/Decarbonization～キャッシュレスを通じた地球環境への貢献～現金や紙を伴うプロセスを変革し、CO2排出削減に注力・キャッシュレスによる環境負荷の低減
持続的成長を支える「経営基盤」	4 人財/Human Capital～25%成長にコミットし挑戦する組織力の追求～環境変化を乗り越え持続的な成長を図るうえで、決定的に重要な人的資本拡充を組織の最重要課題として注力・25%成長を牽引する人的資本の抜本的な強化・健康的で働きやすい環境整備を通じた自己実現の支援・組織を強化するダイバーシティ&インクルージョンの実現
5 ガバナンス/Governance～健全で責任ある経営の実践～健全かつ安定した高成長を継続するうえで、リスクテイクや社外からの監視の実効性を高めるガバナンス体制の強化に注力・健全な高成長を担保するコーポレートガバナンスの構築・高成長を支える予防的リスク管理の徹底・情報開示を通じた透明で公正な経営の確保

決済を起点とした事業の持続的成長を通じた「社会貢献」

1 革新/Innovation～決済イノベーション創出によるお客様の成長と社会の発展～

あらゆる経済活動の通過点となる決済を起点に、広範な領域でのイノベーションをあらゆる企業に提供し、お客様の競争力向上や、請求から資金繰り、給与支払いまで広範な業務効率化を支援。キャッシュレス推進により便利・快適な社会の実現に寄与

・決済起点の商流や業務プロセスの再構築
・決済プロセス円滑化による顧客体験/サービス向上
・決済の自動化による労働人口減少への対応
・キャッシュレス推進による社会コスト低減
・多様な決済手段の提供や金融アクセスによる金融包摂推進
・決済インフラ整備による地域社会の活性化

2 信頼/Reliability～社会を支える決済インフラの持続的運営～

決済という社会インフラを担う企業として、自らの業務の安定性、信頼性の向上を通じ、社会経済活動の安心、安全の確保に貢献

・インフラである決済システムの安定継続稼働
・安全な決済取引を支える情報セキュリティ強化
・犯収法など法令に基づく不正な取引の排除

3 脱炭素/Decarbonization～キャッシュレスを通じた地球環境への貢献～

現金や紙を伴うプロセスを変革し、CO2排出削減に注力

・キャッシュレスによる環境負荷の低減

持続的成長を支える「経営基盤」

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

環境変化を乗り越え持続的な成長を図るうえで、決定的に重要な人的資本拡充を組織の最重要課題として注力

・25%成長を牽引する人的資本の抜本的な強化
・健康的で働きやすい環境整備を通じた自己実現の支援
・組織を強化するダイバーシティ&インクルージョンの実現

5 ガバナンス/Governance～健全で責任ある経営の実践～

健全かつ安定した高成長を継続するうえで、リスクテイクや社外からの監視の実効性を高めるガバナンス体制の強化に注力

・健全な高成長を担保するコーポレートガバナンスの構築
・高成長を支える予防的リスク管理の徹底
・情報開示を通じた透明で公正な経営の確保

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