UPC's Doors Finally Open
～Open The Door To The World～

20th anniversary message to everyone "OPEN THE UPC". In 2024, that door has finally opened!
It was opened by each and every employee (NAKAMA). The previous HOP and Re-HOP did not exceed the management's expectations. In 2024, STEP was achieving results beyond management's imagination, and each person is proactively implementing measures that were not initially envisioned. "I feel like my role in the current cashless business is coming to an end..." I'm almost at the point of saying this to the management team. It's a bittersweet feeling, but ultimately a happy one.

"Come on, let's knock on the door to the world!" I tell myself.

Looking back, for the 20th anniversary, I captured my thoughts and message in a video. Another version of myself is reassuring the hesitant me, saying "Just do it the way you want to! It'll be alright!" As I reflect now, thinking we've finally made it this far, in 2024 the NAKAMA of our company put their own ideas into practice and saw them through. "Let's try doing it the way we want!" I want to say it once more, and convey it.

In 2024, UNIVA Paycast (UPC) successfully achieved satisfactory results as a STEP, with sales of 5.8 billion yen, gross profit of 1.65 billion yen, and operating profit of 500 million yen. We're ready to knock on the world's door.

In fact, UPC has already done many things, such as establishing overseas subsidiaries, taking on new business challenges abroad, hiring internationally, and venturing into new businesses beyond cashless payments. We have experienced various successes and failures in each of these endeavors.

Drawing on past experiences and failures, UPC will ambitiously and strategically "Open the door to the world and execute OPEN THE UPC" in 2025! We will show everyone a UPC world like never before! The time is now! To the NAKAMA who embrace this vision, I send this message: "There may be hardships, but it will surely pay off! Let's each do it our own way!"

Now, I will share with you the keywords for UPC's JUMP.

1. Foreign currency acquisition and money transfer business
   Building a settlement structure for foreign currency acquisition and challenging money transfer.
2. Utilization of generative AI and digital humans
   Challenging operational efficiency improvement and service creation through generative AI. Also integrating with cashless to explore possibilities.
3. Inbound Media and Retail Media
   Not only are we working on the hometown tax donation system "Koko Furu," but also on real initiatives that lead to regional revitalization Building media in strategic locations. We will challenge ourselves in inbound media and retail media.
4. Data Analytics
   Solving social issues through data collection and analysis, not just of payment data but also behavioral data.

Not just "NAKAMA of UPC," but "NAKAMA of the UNIVA Group"
"Sounds interesting! I want to try it! Can we collaborate somehow? Tell me more." If you think even a little bit like this, please reach out to us at UPC. Surely, a desire to try it together will well up in both of us. Let's enjoy such excitement together and knock on the door to the world.

UNIVA Paycast Limited
Representative Director and President
Shuhei Nakao