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Financing Business

Business Outline

  • プロミス

Financing services that provide greater convenience for customers

PROMISE is one of the financing business arms of SMBC Consumer Finance. It offers “Free Cashing” (revolving loans), a core product that meets the various borrowing needs of individual customers, the “Card Loan for Independent Businessman”to meet the funding needs of self-employed individuals, and the “Consolidation Loan” to ease the debt service burden on customers repaying loans.

Channel Options

Various channels available to meet different customer needs

We have prepared a variety of channel networks to quickly meet customer needs for “convenient services anytime and anywhere with peace of mind. ” At our Customer Service Plaza set up in 18 branches across Japan (as of the end of March 2017), we provide our customers and local residents with a consultation service for borrowing, repayment, and other funding-related concerns, as well as the diagnosis of appropriate household finance for customers, both over the counter and over the phone.
At our Customer Service Centers in Tokyo, Osaka and Fukuoka, we provide services including the acceptance and screening of loan applications, as well as consultation and guidance on borrowing and repayment through non-face-to-face channels such as our automated loan contract machines nationwide, including those installed in SMBC stores, the Internet, and telephone. We have built a system that allows customers to make transactions worry-free by centrally monitoring information about their transactions and providing them with a variety of support. Our Customer Service Centers have also received COPC®* certification, an international standard for contact center business quality assurance, consecutively every year since 2013.

* The COPC®CSP Standard Release 5.2 is a global quality assurance standard specifically for the contact center business that is formulated to improve the level of customer satisfaction and ensure efficient operations. Certification is given to contact centers that have achieved and maintained the standard at a superior level, particularly in relation to customer service performance.

多様なチャネル展開の図


Affiliated ATMs spreading nationwide

In April 2016, we enhanced our network by entering into an alliance with Japan Post Bank to use their ATMs for the first time in the consumer finance industry. Customers can carry out transactions such as borrowing, repayment and balance inquiries at ATMs of Japan Post Bank, which are becoming widespread and are now available in all 47 prefectures throughout Japan. As a result, the number of affiliated ATMs that our customers can use has increased to over 100,000 units.

New Service from PROMISE

Loading a Mitsui Sumitomo VISA prepaid card

In September 2016, we launched a service in which customers can deposit (load) money borrowed from PROMISE onto a Mitsui Sumitomo VISA prepaid card. After making an application on the Internet or a dedicated application, customers can quickly load the amount borrowed onto a Mitsui Sumitomo VISA prepaid card that they have registered in advance and use it for online shopping and at VISA member stores* around the world within the range of the amount loaded.

* This service is not available at some VISA member stores.


Full renewal of official PROMISE application

In October 2016, we fully renewed the official PROMISE application for smartphones. In the official application, even customers who have already been using it will be able to use it more comfortably and economically by using services such as "Smooth Login" that will reduce the difficulties of the member login and " Coupon on App!," a preferential service limited to members who have used coupons, the first service of this kind in the consumer finance industry, in addition to the deposit (load) function onto a Mitsui Sumitomo VISA prepaid card.


MOBIT

  • モビット
  • Like PROMISE, our subsidiary MOBIT also offers small unsecured personal loans with no guarantor and provides reception channels through the Internet and automated contract machines. In " My MOBI, " a self-management system online, we have built a system that allows customers to check their transaction status and take advantage of various consultation services through their computer or mobile phone without using the card. With My MOBI, we are working to enhance services using the Internet. In October 2016, MOBIT renewed the official application to further improve customer convenience by adding new functions such as an auto login and an easy login using fingerprint authentication.


    Moving forward, we will continue working to provide more customers with higher quality services through the PROMISE and MOBIT brands.

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