GMO-PG Transaction lending starts to use external dataFinancing services utilizing transaction data, etc.
" GMO-PG Transaction Lending" Started linking with external data
~Cooperation with EC automation platform "Next Engine"~

GMO Internet Group provides comprehensive payment-related services and finance-related services. GMO Payment Gateway, Inc. (TSE Partial: Securities Code: 3769, President & Chief Executive Officer: Issei Ainoura hereinafter referred to as GMO-PG) In the loan service "GMO-PG Transaction Lending" utilizing transaction data, etc., Hamee ( Hamee) Co., Ltd. (Chief Executive Officer ・COO: Atsushi Higuchi, hereinafter referred to as "Hamee") has started data linkage with the e-commerce automation platform "Next Engine" from (Tuesday) October 17, 2017.
" GMO-PG Transaction Lending" is a service that allows loans to be provided in as little as 3 business days without the need for collateral or cosigners, which GMO-PG conducts its own examination based on the daily sales Actual (transaction data on the EC site) of e-commerce businesses (hereinafter referred to as GMO-PG member stores) that have introduced GMO-PG's payment service.
Through this data linkage, GMO-PG merchants using the "Next Engine" will be able to conduct multifaceted loan screening using data such as orders and inventory registered in the "Next Engine" in addition to the conventional transaction data. In addition, GMO-PG merchants who have undergone such a multifaceted loan screening will be given preferential loan rates of up to 0.25%.

As of 2016, the e-commerce market in Japan Japan has grown to a scale of 15.1 trillion yen, an increase of 9.9% from the previous year, and further growth is expected in the future ^(*1). Against the backdrop of the expansion of the e-commerce market, in addition to temporary increases in working capital, such as stable supply of products and bridging funds until the recovery of sales proceeds, there is an increase in demand for funds due to circumstances unique to e-commerce businesses, such as additional advertising costs for promotion in optimal Thailand.

Under these circumstances, in order to support the growth of GMO-PG member stores, GMO-PG has been providing "GMO-PG Transaction Lending", a service unique to payment service providers, which provides loans in as little as three business days without the need for collateral or guarantors based on its own examination based on daily sales Actual, etc., since May 2014.

On the other hand, Hamee provides an e-commerce automation platform "Next Engine" that allows you to centrally manage tasks that are essential for online store management, such as order placement, inventory management, product page management, e-mail distribution, and sales analysis, on the management screen.
In order to more appropriately respond to the growing financing needs of e-commerce businesses, GMO-PG has decided to start collaborating with external data so that in the loan screening of "GMO-PG Transaction Lending", in addition to daily sales Actual, etc., information such as product orders and inventory status can be used for multifaceted examinations. We will start data linkage with
Starting with data linkage with Next Engine, GMO-PG Transaction Lending will continue to pursue various initiatives, including expanding the number of partners, with the aim of providing even more convenient financing services.

(*1) Ministry of Economy, Trade and Industry From "28 Market Survey on E-commerce"

"GMO-PG Transaction Lending" enables multifaceted loan screening using order and inventory management data registered in "Next Engine" in addition to daily sales Actual by linking data through the "GMO-PG Transaction Lending Loan App" that will be displayed on Hamee's "Next Engine" from today. GMO-PG member stores that have undergone such a multifaceted loan screening will be provided with loans at low interest rates with a maximum of 0.25% preferential lending rate compared to the usual rate, and will actively support their e-commerce business development.

GMO-PG merchants using "Next Engine" can receive a multifaceted loan review by linking data in the following flow.