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To Shareholders and Investors
To Shareholders and Investors

“Reinventing Finance as a "Service"”

We are developing our business to build next-generation financial infrastructure under the mission of reinventing finance as a "service".

With the spread of the Internet and smartphones, the services around us are becoming more and more convenient. If you shop on an EC site, it will arrive the next day; the hottest drama is delivered on demand; and if you use the delivery service, the freshly prepared food will be delivered to your home. But what about financial services? There is still lots of paperwork and sealing left, and the majority may find it difficult to use financial web services and mobile apps.

We believe that the reason why finance lags behind other services in terms of convenience is the core system with accumulated technical debt. The conventional fully customized on-premise core system tends to be expensive for operation and additional enhancement, and it takes an enormous amount of time to change the system specifications. A system that has become more complex due to repeated renovations is a high hurdle in creating new financial services.

We will solve this major issue by building next-generation financial infrastructure.

Our SaaS-type cloud native core system realizes cost reduction, shortening of the period, and reduction of the number of people needed for installation and operation, and facilitates integration with external services using APIs, enabling it to integrate with the existing service of partner companies. It enables "Embedded Finance" that seamlessly incorporates and provides financial functions.

In addition to this "Financial Infrastructure" business, our "Fintech Solution" business supports the planning and development of front-end services such as web services and mobile apps with excellent customer experiences; and our "Big Data Analytics" business supports the use of data already possessed by clients. We provide comprehensive solutions that can pursue customer experience with digital technology and data analysis capabilities.

We will be the new standard for financial infrastructure and become top of mind awareness when companies and financial institutions think about launching a new digital financial service. We will reinvent finance as a "service" and aim for a world with dynamic financial services that enrich the life of every one.

We will continue to work closely with our partner companies to realize our vision of "a world where finance is closer to our daily lives".

Board Members

Ryota Hayashi

Ryota Hayashi

Representative Director, President and CEO

December 14, 1985

Brief Personal History

Mar. 2008
B.A. in Economics, The University of Tokyo
Sep. 2009
Joined Deutsche Bank London
Dec. 2012
Joined GCI Asset Management, Inc.
Dec. 2013
Founded Finatext Ltd. (currently Finatext Holdings Ltd.), Representative Director (current position)
Feb. 2016
Director, Teqnological Ltd. (current position)
Aug. 2016
Representative Director, Nowcast Inc.
Mar. 2017
Director, Smartplus Ltd. (current position)
Dec. 2018
Representative Director, Finatext Ltd.
Feb. 2019
Director, Finatext Ltd. (current position)
Feb. 2019
Director, Nowcast Inc. (current position)
Apr. 2019
Director, Smartplus Small Amount and Short Term Insurance Company Ltd.
Aug. 2019
Director, K-ZONE Corp. (current position)

Reason for Appointment

He has led the management of the Company since its inception and has taken the lead in new businesses. We believe that he is qualified for the position of director because of his business experience and knowledge necessary for the development of the Company's group.

Yuichiro Ito

Yuichiro Ito

Director and CFO

May 13, 1986

Brief history

Mar. 2010
B.A. in Economics, The University of Tokyo
Apr. 2010
Joined UBS Securities Japan Co., Ltd.
Aug. 2016
Joined Finatext Ltd. (currently Finatext Holdings Ltd.)
Aug. 2016
Director, Nowcast Inc. (current position)
Sep. 2016
Director of Finatext Ltd. (currently Finatext Holdings Ltd.) (current position)
Mar. 2017
Director, Smartplus Ltd. (current position)
Dec. 2018
Director, Finatext Ltd. (current position)
Apr. 2019
Director, Smartplus Small Amount and Short Term Insurance Company Ltd.

Reason for Appointment

He has led the Company's capital policy and business alliances. He is qualified for the position of director because of his business experience and knowledge necessary for the development of the Company's group.

Satoshi Tajima

Satoshi Tajima

Director and CTO / CISO

August 30, 1989

Brief history

Apr. 2012
Joined VOYAGE GROUP Inc. (currently CARTA HOLDINGS, INC.)
Feb. 2019
Joined Finatext Ltd.
Jun. 2022
Director of Finatext Holdings Ltd. (current position)

Reason for Appointment

He has led the Group's overall system and security. He holds international certifications in security, such as CISSP and OSCP, and is qualified for the position of director because of his business experience and knowledge necessary for the development of the Company's Group.

Hideki Yamauchi

Hideki Yamauchi

Director

May 12, 1963

Brief history

Mar. 1986
B.A. in Economics, The University of Tokyo
Apr. 1986
Joined The Industrial Bank of Japan, Limited (currently Mizuho Bank, Ltd.)
Apr. 2000
Established Global Cyber Investment, Inc. (currently GCI Asset Management, Inc.) Founder, CEO (current position)
Apr. 2001
Established Forex Capital Markets Japan (former FXCM Japan Securities Co., Ltd.) President & CEO
Jun. 2005
Established GCI Capital Co., Ltd. President &CEO (current position)
Apr. 2007
Part-time Lecturer, Faculty of Economics, The University of Tokyo (current position)
Sep. 2016
Director, Finatext Holdings Ltd. (current position)
Dec. 2017
Established Kyoto Lab, Representative(current position)
Jun. 2018
Director, Japan Investment Advisers Association
May 2020
Director, Digika Co.,Ltd. (current position)

Reason for Appointment

He has been involved in the management of the asset management business for many years and has extensive experience in the global financial sector and has provided useful advice and suggestions to the Company's management. We believe that he is qualified for the position of director because of his business experience and knowledge necessary for the development of the Company's group.

Audit & Supervisory Bound Members

Mamoru Sato

Mamoru Sato

Audit & Supervisory Board Member

July 17, 1957

Brief Personal History

Mar. 1981
B.A. in Economics, Senshu University
Apr. 1981
Joined Bankers Trust Bank
Jan. 1991
Joined Cititrust & Banking Corporation
Sep. 2002
CFO of the same
Jul. 2008
CFO, CFJ G.K.
May 2010
Standing Audit & Supervisory Board Member, Citi Cards Japan Inc. and Citibank Japan Ltd.
Nov. 2011
Standing Audit & Supervisory Board Member, Citibank Japan Ltd., Citi Cards Japan Inc. and Citigroup Services Japan Ltd.
Dec. 2012
Standing Audit & Supervisory Board Member, Citi Cards Japan Inc. and Citibank Japan Ltd.
Jan. 2017
Standing Audit & Supervisory Board Member, Citibank Japan Ltd. and Citigroup Global Markets Japan Inc.
Apr. 2018
Standing Audit & Supervisory Board Member, Citigroup Global Markets Japan Inc.
Jul. 2019
Standing Audit & Supervisory Board Member, Finatext Holdings Ltd. (current position)
Dec. 2019
Audit & Supervisory Board Member, Smartplus Small Amount and Short Term Insurance Company Ltd. (current position)
Feb. 2020
Audit & Supervisory Board Member, Finatext Ltd. (current position)

Reason for Appointment

He has served as an external auditor since July 2019 and has performed his duties and responsibilities appropriately. He has been involved in finance, accounting, and auditing at global financial institutions for many years and has extensive knowledge and experience in corporate finance and auditing, and is therefore considered suitable to serve as an audit & supervisory board member.

Ryosuke Nomura

Ryosuke Nomura

Audit & Supervisory Board Member

May 5, 1972

Brief Personal History

Mar. 1997
B.A. in Law, The University of Tokyo
Sep. 2007
Registered as an attorney (Tokyo Bar Association)
Sep. 2007
Joined Jun Miyazawa & Associates
Sep. 2009
Joined Hironaka Sogo Law Office
Sep. 2009
Audit & Supervisory Board Member, EC Navi, Inc. (currently CARTA HOLDINGS, Inc.)
Oct. 2013
Joined Kikkawa Law Office
Jan. 2016
Joined Akarenga Law Office
Sep. 2017
Audit & Supervisory Board Member, Retriva, Inc(current position)
Jun. 2018
Joined Edison Law Office. (current position)
Feb. 2020
Audit & Supervisory Board Member, Finatext Holdings Ltd. (current position)
Mar. 2021
Audit & Supervisory Board Member, SANYO-HOME Co.,Ltd. (current position)

Reason for Appointment

He has served as an outside corporate auditor since February 2020 and has fulfilled his duties and responsibilities appropriately and is considered suitable as an audit & supervisory board member because of his extensive knowledge and experience based on more than 10 years of corporate legal experience.

Hisayori Kataoka

Hisayori Kataoka

Audit & Supervisory Board Member

January 29, 1959

Brief Personal History

Mar. 1981
B.A. in Economics, Keio University
Apr. 1981
Joined TOTO KIKI LTD. (currently TOTO LTD.)
Sep. 1987
Joined Sunwa・Tohmatsu Aoki Audit Corporation (currently Deloitte Touche Tohmatsu LLC)
Oct. 2020
Director of Hisayori Kataoka Certified Public Accountant Office (current position)
Oct. 2020
Venture Partner, The University of Tokyo Edge Capital Partners Co., Ltd.
Dec. 2020
Audit & Supervisory Board Member, ROMS, Inc. (current position)
Feb. 2021
Audit & Supervisory Board Member, Finatext Holdings Ltd. (current position)
Apr. 2021
Audit & Supervisory Board Member, Startbahn, Inc. (current position)
Jan. 2022
Bloom Audit Corporation, Representative Partner (current position)

Reason for Appointment

He has served as an outside auditor since February 2021 and has performed his duties and responsibilities appropriately. As a certified public accountant, he has considerable knowledge of finance and accounting, and is therefore considered suitable for the position as an audit & supervisory board member.

Director Hideki Yamauchi is an outside director.
Audit & Supervisory Board Members Mamoru Sato, Ryosuke Nomura and Hisayori Kataoka are Outside Audit & Supervisory Board Members.

Overview

Based on the policy of shareholder-oriented, in order to increase profits and enterprise value as an ongoing company, we establish a management control system and strive to increase management efficiency and speed at the same time, recognizing our corporate responsibility of society, we will strive to contribute to society through various services and realize harmonious profits of the stakeholders. As a result, regarding a management control system, in order to ensure the transparency and objectivity of business performance, we will promote the development of a monitoring system for business execution and disclose information in a timely manner.