To shareholders and investors
Since our founding in 2012, our company has been a pioneer in the domestic Fintech and SaaS industries. In September 2017, we were listed on the Tokyo Stock Exchange Mothers market, and in June 2021, we transitioned to the First Section of the Tokyo Stock Exchange. Furthermore, in April 2022, we transferred to the Tokyo Stock Exchange Prime Market following a market reclassification.
We would like to express our deepest gratitude for the tremendous support and exceptional understanding and support we have received from our stakeholders.
- “Money Forward. Move life forward.”
- Our company is committed to our mission of “Money Forward. Move your Life Forward..” and our vision of ”Becoming the financial platform for all.” We work daily towards realizing this vision. Our services include “Money Forward ME,” a personal finance app with more than 15 million users, and “Money Forward Cloud,” back-office SaaS that enhances productivity and management capabilities used by over 300,000 customers ranging from sole proprietors to listed companies. We also offer “Money Forward Kessai,” which resolves cash flow concerns, SaaS marketing platform “BOXIL,” and “Mikatano,” which enables digital transformation across Japan through regional financial institutions. In this way, we are rapidly expanding our business domains and services to fulfill our mission, and we now have one of the largest customer bases in the domestic Fintech and SaaS sectors.
- Moving forward, we will continue to cherish our three core values—’User Focus,’ ‘Tech & Design,’ and ‘Fairness’—as we provide services that not only address the challenges faced by our users but also contribute to solving societal issues, thereby fostering the creation of a positive society.
- About Our Four Growth Strategies
Our main business domain, Fintech and SaaS, are markets expected to grow rapidly and have garnered global attention in recent years. In Japan, various regulatory changes are undergoing, including revisions to payment services legislation, establishment of financial services intermediary laws, and the creation of a cashless environment, as well as easing of the electronic bookkeeping law, the start of the invoice system, and the publication of guidelines on stamp seals (towards paperless operations). Furthermore, the impact of the COVID-19 pandemic has increased the need for cloud services and cashless transactions, and new financial concerns for individuals and companies are on the rise. We recognize that the demand for our group’s services is increasing even more in such an environment. Under these circumstances, our group has set forth four growth strategies: - 1. Enhance value of back-office SaaS platform with go-to-market strategy based on disciplined investment
- 2. Maximize synergies between domains and improve company-wide productivity
- 3. Create new user value through integrating SaaS and Fintech
- 4. Continue disciplined M&A (Group join) and optimize group capital strategy
- In Conclusion
- Although our company is still young, in our 12th year since founding, we aim to realize our mission of “Money Forward. Move your life forward” and strive for a sustainable society through solving monetary issues, while also strengthening our ESG initiatives. We would be pleased if you could take a look at our group’s sustainability efforts here, and our founding philosophy here. We kindly ask our shareholders and investors for even more guidance and support.
Yosuke Tsuji
Representative Director, President and Group CEO
Money Forward, Inc.
April 2024