DX:Digital Transformation to increase competitiveness by using digital technology to change the way we do business.

Item	Content
Systematized area	Case 1: Credit card application and screening Case 2: Installment application and screening
Background of System Construction	Case 1: Because many tasks were manually performed on paper it took a long time until a series of tasks were completed, resulting in high operational costs. Case 2: Constructed based on the needs for developing an installment application service on the Web
Purpose of System Construction	Case 1: Reduction of administrative costs related to resolving incomplete application details, shortening of lead time to card issuance and quick implementation, and creation of scalable infrastructure Case 2: Expansion of Web sales channels
System Construction Requirements	Ability to be in service in a short period of time Compressing construction costs Ability to share and reuse development assets
Effects of introduction	Short development, testing, and service-in in a short period of time Compression of system construction costs Model Driven Development and Agile development

Previously, credit card applications, screenings, card issuance, and account transfer procedures relied heavily on paper-based and handwritten processes. Although some parts were systemized, the overall process was time-consuming and complex. By implementing Pegasystems, we enabled applications via various devices, including smartphones, and streamlined subsequent processes, which significantly reduced the time required to issue a card.

To expand web-based sales channels, we built a system that enables installment applications from various sales channels (external sites). Utilizing Pegasystems, applications can be submitted on multiple devices, including smartphones, and are seamlessly linked to the management function (case management).