“Moving money forward“ Money Forward

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User Forward

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.

Key Initiatives
Value proposition through Money Forward Cloud to resolve issues for businesses and sole proprietors
Value proposition through Money Forward ME to resolve issues for individuals

Our Services

Solve Users’ Problems with Technology and Design

Our Approach

In a quickly changing and uncertain era, we believe use of technology is critical for quickly identifying issues and generating innovation. We also see the need to cover the significant gap between society and technology with creative design. We promote research and development with focus on “autonomy and usability” to identify prospective issues by applying cutting-edge technology and proposing actions for solution, which created services that incorporate the users’ perspectives.
In addition, by promoting the intellectual property strategy through concerted efforts by the Business Division, Research, Development and Design Division and Intellectual Property Strategy Division, we are striving to provide new value to our stakeholders and solve social issues by demonstrating the creativity of the Money Forward Group.
Through these initiatives, we will contribute to the achievement of SDGs Goal 9.

Key Initiatives
Promoting research and development focused on “autonomy and usability” through Money Forward Lab, a research institution for data utilization
Technology for sharing data, etc. between different software and services.
Technology for extracting specific information from websites, etc.
A service for renting out the infrastructure for providing cloud services.
A system that allows users to log in to multiple web services, cloud services, and applications by simply authenticating with one set of IDs and passwords once.
Promote the intellectual property strategy through concerted efforts by the Business Division, Research, Development and Design Division and Intellectual Property Strategy Division

Promote Investment in Security to Ensure the Safety

Our Approach

Our services handle a wide range of financial data, and we believe constant enhancement of information management is essential.
We have established Security Policy, Privacy Policy, and other internal rules to ensure strict information management and implemented appropriate defensive measures against risks including information leaks.
We will continue to invest in security to provide a safe environment for our users.

Key Initiatives

Information Security and Personal Data Protection

Prevention of Unauthorized Third-Party Access

  • ・Review at time of development
  • ・Firewall installation
  • ・Third-party evaluation by external security diagnostics firm
  • ・Data encryption and enhanced monitoring system
  • ・Anti-virus software installation for employee devices
  • ・Separate designated network environment for maintenance involving personal data

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