Credit Saison Selected as "DX Brand" for Fourth Consecutive Year

Credit Saison Co., Ltd. (Headquarters: Toshima-ku, Tokyo; Representative Director (and) President and COO: Katsumi Mizuno; hereinafter: the Company) announced that it has been selected for the fourth consecutive year as a "Digital Transformation (DX) Brand 2026" (*DX Brand) by the Ministry of Economy, Trade and Industry, the Tokyo Stock Exchange, and the Information-technology Promotion Agency. Points for which the Company was particularly evaluated (from the evaluation comments by the DX Brand 2026 Evaluation Committee) ・High DX implementation capability As a result of steadily and speedily building a corporate culture and organizational structure that enhances DX implementation capability since 2019, the Company's DX implementation capability is highly evaluated to the extent that it can be considered a technology company operating financial services businesses such as credit cards and lending. It can be said that the Company has continuously implemented company-wide initiatives such as "complete digitalization of business processes," which is one of the main tenets of DX. ・Execution capability that achieved in-house development of core systems Execution capability that expanded the in-house development organization, which was launched from scratch in 2019, to a scale of 200 people and achieved in-house development of even the core card system. In September 2025, the Company announced the "CSAX Strategy" for management reform through AI, accelerating its transformation into a comprehensive lifestyle services group. In terms of human resources, the Company has defined digital human resources in four layers under the slogan "AI workerization of all employees," securing a total of 531 digital human resources, including 110 core digital human resources, as of November 2025. ・Multi-layered and multi-faceted information dissemination In addition to disseminating information through integrated reports and investor briefings, the CDO and engineers participate in various DX-related events and seminars. The president himself also emphasizes media dissemination, such as giving multiple interviews on DX, and frequently disseminates information to stakeholders. ・Initiatives that place IT and digital technology at the core of business Placing IT and digital technology at the core of business. The Company has spent seven years implementing and refining initiatives to break away from external dependence and internalize everything from planning to development and operation by its own employees. It achieves both Mode 1, which requires safety and reliability in the financial industry, and Mode 2, which requires agility and flexibility in the service industry. Future developments centered on DX and AI "We cannot survive unless we approach it with the idea of placing digital at the very center of our management policy." As the president's words indicate, the Company places digital and AI at the core of its management. The Company's vision for 2030 is to become a "GLOBAL NEO FINANCE COMPANY ~ A global comprehensive lifestyle services group centered on finance ~," and to achieve this, it is essential for various services to organically link, and strengthening the digital aspect, such as developing data infrastructure and expanding APIs as its foundation, is extremely important. The Company will continue to fundamentally improve business processes using generative AI, accelerate the transformation of business operations, provide new customer experiences using digital, and expand the knowledge cultivated through in-house development to the entire company, thereby continuing to aim for the realization of DX by all employees. *DX Brand: The Ministry of Economy, Trade and Industry, the Tokyo Stock Exchange, and the Information-technology Promotion Agency select companies listed on the Tokyo Stock Exchange that have built mechanisms within their companies to promote DX leading to improved corporate value and have demonstrated excellent digital utilization results. Credit Saison CSDX (Corporate Website) https://corporate.saisoncard.co.jp/business/csdx/ CSAX Strategy (Corporate Website) https://corporate.saisoncard.co.jp/business/csdx/strategy_csax/ Ministry of Economy, Trade and Industry "Selected 'DX Brand 2026', 'DX Attention Company 2026', 'DX Platinum Company 2026-2028'" https://www.meti.go.jp/press/2026/04/20260410002/20260410002.html