+10.8%Phase 1: Launch of subscription servicesWe aspire to be a true technology partner committed to improving the profitability of financial institutions. With this in mind, we have launched a SaaS-type subscription service that provide systems planned and developed ourselves to multiple financial institutions as a service. A unique feature of this service is that in addition to the basic monthly fee, a portion of the financial institution's revenue generated through the use of the service is charged as a contingency fee. The advantages of low initial costs and quick business start-up have been highly evaluated, and we have been able to increase the number of clients who have adopted this service, particularly for stock and futures option systems.Phase 2: Become the de facto standard for FX systemsFX systems that are the de facto standard have been essential to the growth of Financial Retail. Our FX system is equipped with an easy-to-use and intuitive UI/UX, infrastructure that can withstand rapid increases in trading volume, and complete security technology to protect personal information and trading data. The expertise we nurtured in FX systems is indispensable to our value creation in our technological capability that differs from that of Capital Markets.Phase 3: To be the one and only strategic partner in a JV schemeIn the fiscal year ended March 31, 2024, the capital and business alliance with SBI Holdings and SBI SECURITIES, a comprehensive online securities company with the largest number of accounts and market share in Japan, attracted a great deal of interest from various stakeholders. Since the establishment of the joint venture in February 2023, we and SBI SECURITIES have gone beyond a mere client-vendor relationship and have been working as one team to promote system development projects and the establishment of the required structure.History of Financial RetailIn the early 2000s, widespread use of the internet and advances in technology enabled individual investors to trade stocks and other financial instruments online. Simplex has been a technology partner to financial institutions since those early days, evolving ourselves with the growth of the industry.Currently, we are also expanding our business with in-house-oriented financial institutions that have long followed a policy of developing platforms in-house. We aim to achieve further growth in Financial Retail by using Xspear's consulting services as a spearhead to expand the scope of our support and earn the trust of clients’ management teams.One of the themes of MTBP2027 is to respond to SBI SECURITIES, which has chosen us as its one and only strategic partner, with overwhelming results. We believe the key to our sustainable growth lies in proving the effectiveness of this JV scheme by bringing together the resources and know-how of both parties to promote system development projects and the establishment of the required structure. (▶Page 20 Case Study)[Reference] FAQs about Financial RetailQ. How much room do you have to develop Financial Retail?Q. Do you have a plan to work on systems other than front systems in the future?Q. How do you see the contribution to earnings from the JV scheme with SBI SECURITIES?Q. What specific support services do you provide?Q. Will you be expanding the scope to include securities companies outside the SBI Group?Q. Is the JV scheme a scalable business model?Future Growth StrategyEnhancing services for individual investors using digital technology is an important theme for financial institutions as they seek to improve customer satisfaction and strengthen competitiveness. We will continue to provide highly reliable platforms by leveraging our expertise as the top brand in Japan. In addition, we will work alongside financial institutions to help maximize their profits through detailed consulting services in response to market trends.30Financial Solutions200512,79110,578Financial Retail provides IT solutions such as financial instrument trading platforms for individual investors to financial institutions mainly consisting of online brokerage firms, online FX firms, and cryptoasset exchange service providers.Broad categoryMarket entryProvider(Millions of yen)RevenueFY3/22FY3/2314,177YoYFY3/24Drives growth targeted in MTBP2027 and leads the joint venture to overwhelming success as its biggest mission Financial Retail
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