Recently, alternative lending has been attracting attention in Japan. Alternative lending is a business loan option that falls outside of a traditional bank loan. For example, a Japanese electronic commerce and Internet company Rakuten gives a loan to its online shopping site owners using daily accounting data, and an accounting software company Yayoi also provides a loan to the users based on accounting data stored in the cloud. The banks seem to be losing opportunities to make a loan. Considering such situation, some banks reportedly have started collaboration with IT companies to develop similar services. There have been move to use intellectual property information for examination of new loans. Japan […]
Japanese home-delivery service companies are faced with challenges. In a sense, e-commerce players are the same. Transaction volume has increased due to expansion of e-commerce such as Amazon, but it is difficult for home-delivery service companies to generate a good profit. The requirements of nationwide delivery, same-day or next-day delivery, and quantity discount, and also shortage of manpower have plagued the home-delivery service companies. Sagawa Express, which once had a virtual monopoly on home-delivery service for Amazon, tried to negotiate price increase with Amazon in vain, and eventually Sagawa Express withdrew from the service for Amazon. After that, Yamato Transport has been undertaking the home-delivery service for Amazon under difficult […]