Credit Saison Selected as "DX Brand" for Fourth Consecutive Year
Credit Saison Co., Ltd. has been selected for the "Digital Transformation Brand (DX Brand) 2026" for the fourth consecutive year by the Ministry of Economy, Trade and Industry, Tokyo Stock Exchange, and Information-technology Promotion Agency. The company was recognized for its high DX implementation capability since 2019, establishing a 200-member in-house development organization for core card systems. In September 2025, it announced the AI-driven "CSAX Strategy" and secured 531 digital talents, including 110 core digital talents, by November 2025. Credit Saison positions IT and digital technology at the core of its business, aiming to become a "GLOBAL NEO FINANCE COMPANY" by 2030.
📋 Article Processing Timeline
- 📰 Published: April 14, 2026 at 20:30
- 🔍 Collected: April 14, 2026 at 12:01
- 🤖 AI Analyzed: April 14, 2026 at 14:59 (2h 57m after Collected)
Credit Saison Co., Ltd., headquartered in Toshima-ku, Tokyo, with Katsumi Mizuno as Representative Director and COO, has been selected for the "Digital Transformation Brand (DX Brand) 2026" for the fourth consecutive year. This selection is made by the Ministry of Economy, Trade and Industry (METI), Tokyo Stock Exchange (TSE), and Information-technology Promotion Agency (IPA).
Key evaluation points include:
1. **High DX Implementation Capability:** Since 2019, Credit Saison has consistently built a corporate culture and organizational structure that enhances DX implementation capabilities, reaching a level where it is considered a technology company operating financial services like credit cards and lending. The company has continuously pursued company-wide initiatives such as the complete digitalization of business processes.
2. **Execution Capability for In-house Development of Core Systems:** The in-house development organization, established from scratch in 2019, has expanded to 200 members, achieving in-house development for core card systems.
3. **CSAX Strategy and Digital Talent:** In September 2025, Credit Saison announced its AI-driven management reform, the "CSAX Strategy," accelerating its transformation into a comprehensive lifestyle services group. Regarding human resources, the company aims for "AI worker transformation for all employees," defining digital talents across four layers. As of November 2025, 531 digital talents have been secured, including 110 core digital talents.
4. **Multi-layered and Multi-faceted Information Dissemination:** The company emphasizes frequent information sharing with stakeholders through integrated reports, investor briefings, and active participation of CDOs and engineers in DX-related events and seminars. The president also engages in multiple media interviews on DX.
5. **IT and Digital Technology as Business Core:** Credit Saison has positioned IT and digital technology at the core of its business. Over seven years, it has worked to eliminate external dependencies, achieving in-house development from planning to operation by its own employees. This approach balances the safety and reliability required for the financial industry (Mode 1) with the agility and flexibility of the service industry (Mode 2).
The company's future strategy, centered on DX and AI, is driven by the belief that "companies that do not embed digital at the heart of their management policies will not survive." Credit Saison's vision for 2030 is to become a "GLOBAL NEO FINANCE COMPANY – a global comprehensive lifestyle services group with finance at its core." To achieve this, strengthening digital aspects, such as data infrastructure development and API expansion, is crucial for the organic linkage of various services.
Credit Saison will continue to fundamentally improve business processes using generative AI, accelerate operational transformation, provide new customer experiences through digital means, and expand the knowledge gained from in-house development across the entire company to achieve DX for all employees.
*DX Brand*: A selection by METI, TSE, and IPA for listed companies that have built internal mechanisms to promote DX leading to increased corporate value and have demonstrated excellent digital utilization achievements.
Key evaluation points include:
1. **High DX Implementation Capability:** Since 2019, Credit Saison has consistently built a corporate culture and organizational structure that enhances DX implementation capabilities, reaching a level where it is considered a technology company operating financial services like credit cards and lending. The company has continuously pursued company-wide initiatives such as the complete digitalization of business processes.
2. **Execution Capability for In-house Development of Core Systems:** The in-house development organization, established from scratch in 2019, has expanded to 200 members, achieving in-house development for core card systems.
3. **CSAX Strategy and Digital Talent:** In September 2025, Credit Saison announced its AI-driven management reform, the "CSAX Strategy," accelerating its transformation into a comprehensive lifestyle services group. Regarding human resources, the company aims for "AI worker transformation for all employees," defining digital talents across four layers. As of November 2025, 531 digital talents have been secured, including 110 core digital talents.
4. **Multi-layered and Multi-faceted Information Dissemination:** The company emphasizes frequent information sharing with stakeholders through integrated reports, investor briefings, and active participation of CDOs and engineers in DX-related events and seminars. The president also engages in multiple media interviews on DX.
5. **IT and Digital Technology as Business Core:** Credit Saison has positioned IT and digital technology at the core of its business. Over seven years, it has worked to eliminate external dependencies, achieving in-house development from planning to operation by its own employees. This approach balances the safety and reliability required for the financial industry (Mode 1) with the agility and flexibility of the service industry (Mode 2).
The company's future strategy, centered on DX and AI, is driven by the belief that "companies that do not embed digital at the heart of their management policies will not survive." Credit Saison's vision for 2030 is to become a "GLOBAL NEO FINANCE COMPANY – a global comprehensive lifestyle services group with finance at its core." To achieve this, strengthening digital aspects, such as data infrastructure development and API expansion, is crucial for the organic linkage of various services.
Credit Saison will continue to fundamentally improve business processes using generative AI, accelerate operational transformation, provide new customer experiences through digital means, and expand the knowledge gained from in-house development across the entire company to achieve DX for all employees.
*DX Brand*: A selection by METI, TSE, and IPA for listed companies that have built internal mechanisms to promote DX leading to increased corporate value and have demonstrated excellent digital utilization achievements.