User Forward
We aim to provide services that reduce everyone’s financial anxieties and issues and drastically enriches people’s lives to create a society where everyone can take on a challenge. We will continue to improve our services with advanced technology and design while investing in the security to deliver the services safely.
Provide Services that Solve Financial Issues for a Diverse Range of Users (B2B and B2C)
Our Approach
Corporations and sole proprietors in Japan face various issues including the decrease in working population, low labor productivity, complex back office operation and concerns over working capital. We aim to improve the efficiency and productivity of back office operations through our services such as Money Forward Cloud and contribute to medium- to long-term corporate value improvement and sustainable growth.
In recent years, vague anxiety over future financial conditions is growing with the low birth rate, aging population, and the supposed need for extra ¥20 million after the retirement in addition to public pension benefits. We resolve the concerns of individual customers through services such as Money Forward ME, by visualizing the cash flow, expenditure, and asset balance, which leads to improve household finances and prepare for asset planning.
We will continue to provide a wide range of services that support our users to resolve financial issues and anxieties.
Accessibility Statement
Key Initiatives
Solve Users’ Problems with Technology and Design
Our Approach
We believe that “Tech & Design” has the power to fundamentally transform the world and create meaningful value for all stakeholders. Guided by this belief, we are committed to realizing our mission: “Move your money forward. Move your life forward.”
In particular, as Japan faces critical social challenges—including a declining birthrate, an aging population, and a shrinking labor force—we are driving AI Transformation (AX) to accelerate corporate growth by fully leveraging advanced AI technologies. To anticipate future challenges and propose actionable solutions, we are advancing research and development beyond traditional automation, with a focus on autonomous systems and enhanced usability enabled by cutting-edge technologies.
By harnessing the strengths of the Money Forward Group—our broad product portfolio, large and diverse user base, extensive data assets, and multinational development teams—we aim to provide highly autonomous, task-capable AI agents as “digital workers” to society. Through these efforts, we support users’ productivity and sustainable growth, enabling them to concentrate on what matters most in their core operations.
Furthermore, by advancing cross-functional strategies that integrate our business operations, R&D/AI initiatives, design, and intellectual property strategy, we maximize the creativity of the Money Forward Group and continuously work to deliver new value and address pressing social issues.
These initiatives also contribute to the achievement of SDG Goals 8 and 9.
Key Initiatives
Embedding “Tech & Design” Perspective into Management and Strengthening Strategic Alignment
- ・To incorporate both the technology perspective—leveraging AI and information technology to solve complex challenges—and the design perspective—envisioning the future and delivering human-centered experiences—into management, we have appointed a Chief Technology Officer (CTO) and Chief Design Officer (CDO).
* For information on our executive team, click here.
Driving AI Transformation (AX) Based on Our AI Strategy to Strengthen the Focus Area of “Autonomy and Usability”
- ・Supporting corporate productivity improvement through newly introduced offerings: AI Agents, the AI Agent Platform, and AX Consulting
- ・Embedding AI capabilities across existing products
- ・Enhancing internal productivity through the use of AI
*For details on the Group’s AI initiatives, click here.
Advancing a Cross-Functional Intellectual Property Strategy
- ・To support group-wide business growth and secure competitive advantage, we promote cross-functional collaboration on intellectual property strategy. By leveraging our accumulated intangible assets—such as technologies, data, and UI/UX generated through our “Tech & Design” initiatives as well as our brand—we drive value creation and further strengthen the Group’s competitive positioning.
*For information on our Group’s IP strategy, click here.
Promote Investment in Security to Ensure the Safety
Our Approach
Our services handle a wide range of financial data, and we believe it is essential to continuously strengthen information management based on the recognition that appropriate information management is our most important issue in order to continue stable business activities.
In addition to establishing “Security Policy,” we have established operating rules for information security management, and have taken appropriate protective measures against the risk of leaks due to unauthorized system access by malicious third parties who aim to illegally obtain information.
Also, in order to protect the important personal information of our users, we have established “Privacy Policy” and internal rules for the protection of personal information, and conduct internal training for directors and employees on the handling of personal information to ensure the importance of and compliance with the personal information we handle. We strive to ensure that all employees understand the rules and regulations that must be followed.
In March 2022, we established the Personal Data Statement, in which we declared our philosophy on the handling of information about an individual. This includes data that can identify a specific individual, such as personal information and personal data; identifier information, such as cookie information, IP address and terminal ID, and location information; and log information on internet use, such as browsing history.
In addition, in order to ensure information security governance, Group CISO reports monthly on the status of security operations to the Representative Director and Group CTO, and evaluates and points out the validity and effectiveness of these operations. The summary of the report is reported to the Board of Directors on a regular basis as well.
We will continue to invest in security to provide a safe environment for our users.
These initiatives also contribute to the achievement of SDG Goals 9.
Click here for more information about our approach to information security and personal data protection.
Key Initiatives
Measures against Third-Party Cyberattacks
- ・Review at time of design and development
- ・Firewall installation and management of security operations center
- ・App vulnerability evaluation by external security diagnostics firm
- ・Penetration testing by external security diagnostics firm
- ・Data encryption and enhanced monitoring system
- ・Switched anti-virus software on officer and employee devices to endpoint detection and response (EDR; to enhance cyberthreat detection, prevention, and response)
- ・Separate designated network environment for maintenance involving personal data
Measures against Information Leaks
- ・Operation details of production system
- ・Fortify rules on information security and personal data protection
- ・Officer and employee training
- ・Single sign-on (SSO) and automated provisioning of executive and employee IDs
- ・Access control of third-party PCs
- ・Internal access authorization and access log record
- ・Separate network between environments of user services and officer and employee PCs
External Authentications
- ・Nippon CSIRT Association membership
- ・Service Organization Control 1 and 2 (SOC1/SOC2) Report (Money Forward Cloud)
- ・Audits under agreed upon procedures (AUP) (for electronic payment services)
- ・PCI DSS Certification (Money Forward Pay for Business)
- ・ISO27001 (for Digital Invoice Services)
For more information on our information security execution system and initiatives, click here.