JACCS CO., LTD.

JACCS is a major installment credit and credit card company within Mitsubishi UFJ Financial Group. Its defining strengths are its No. 2 position in total transaction volume in Japan's installment credit industry and its auto loan business. When consumers buy high-value products such as cars or home appliances from participating merchants, JACCS advances the payment and provides installment repayment, with particular strength in auto loans. It also operates credit card and other financial services, as well as overseas businesses in five ASEAN countries. In short, it has scaled a business model built on merchant networks and installment credit. Its headquarters are in Hakodate and Tokyo.