#Japan #Tokyo #AI Scoring #Convano #AltPlus

Introduction

Convano Inc., headquartered in Shibuya, Tokyo, and known for its innovative approaches in healthcare services, has officially entered into a strategic partnership with AltPlus Inc. This collaboration aims to revolutionize the medical-financial sector by integrating AI scoring within the healthcare financing framework, a significant step towards enhancing financial accessibility for high-cost medical services.

Background of the Partnership and Initiatives

In recent years, the demand for installment payment options for expensive medical procedures has surged. Patients are increasingly seeking flexible financial solutions, especially in the area of elective medical services. On the flip side, credit companies are grappling with various challenges, including:

• - Elevated credit screening processes: As the variety of medical services increases, so does the complexity of evaluating creditworthiness.
• - Fraud and impersonation prevention: Ensuring the integrity of applications has become more demanding in an era where identity theft is pervasive.
• - Risk management associated with service provision: Aligning with regulations such as the Personal Information Protection Act and the Installment Sales Act is crucial, yet increasingly burdensome.

With over 500 clinics as primary clients, Convano has amassed a rich database associated with transactions, referrals, agreements, and repayments. By leveraging this data through appropriate consent and anonymization protocols, Convano can develop insights that significantly enhance credit judgements by credit companies.

The data-driven enhancement of credit assessments particularly targets specific demographics (e.g., women in their 20s and 30s) who exhibit a sensitive response to credit scores, displaying a stable repayment tendency. This focus suggests substantial opportunities for both improving approval rates and maintaining healthy credit processes.

Objectives of New AI Scoring Business

The newly launched business, driven by Convano's subsidiary, DataStrategy, is set to provide AI-generated scores to credit companies serving medical establishments. Specific features of this service include:

• - Credit screening support: Integrating application attributes, applicant behavior, and medical characteristics to estimate repayment probability and default risk.
• - Fraud detection and optimization of screening processes: Identifying indications of impersonation or multiple applications while automating the screening flow to improve efficiency.
• - Risk evaluation specific to medical services: Reflecting unique aspects of medical services, such as immediate service provision upon loan execution in cosmetic medicine, helping evaluate portfolio health.
• - Monitoring and continuous learning: Keeping an eye on model degradation and changes over time, aligning with KPIs like approval rates, default rates, and recovery rates for continuous improvement.

Partnership with AltPlus

The foundational agreement with AltPlus sets the stage for a collaborative framework addressing various aspects of the AI scoring initiative, including:

• - Joint development and sales of AI scoring: Enhancing capabilities through shared expertise and resources.
• - Collaborative push for healthcare financing infrastructure: Jointly exploring avenues to streamline financial processes within the healthcare sector.
• - Optimization of funds and operational burdens: Finding efficient methods for resource allocation, including funding options.
• - M&A opportunities for registered providers: Establishing pathways to strengthen and optimize the overall structure of affiliated companies.

While registered loan service providers will predominantly handle operational processes like screening and collections, Convano will emphasize fostering its marketing capabilities and customer base from the healthcare institutions side.

Future Prospects

For the fiscal year ending March 2026, focus will primarily be on model design, data interoperability conditions, governance structure, and trial operations, which may limit short-term financial impacts. As the 2027 fiscal year approaches, however, a varied pricing structure consisting of initial setup fees, monthly usage fees, pay-per-use charges, and performance-based rewards is anticipated to increase usage and unit prices of AI scoring services.

Furthermore, as the infrastructure for bordering financial services becomes more established, additional revenue contributions through equity method accounting may arise.

Convano aims to significantly enhance corporate value through the establishment of a robust data infrastructure that bridges healthcare, finance, and AI sectors, setting a new standard for operational excellence in these intertwined industries.

Company Overviews

• - AltPlus Inc.

Location: 3-1-1 Higashi Ikebukuro, Toshima-ku, Tokyo, 45F Sunshine 60
Representative: Takeru Ishii
Business: Planning, development, and operation of social games; IT service development and operational support
Founded: May 2010

• - DataStrategy Inc.

Location: 5-1-4 Toranomon, Minato-ku, Tokyo, 4F Toh-To Building
Representative: Yusuke Funakoshi
Business: AI marketing and data analysis
Founded: October 2025

• - Convano Inc.

Location: 22-14 Sakuragaokacho, Shibuya-ku, Tokyo, B3F N.E.S. Building
Representative: Aya Kamiyoshi
Business: Nail service business, AI/data-related business, healthcare services, cryptocurrency-related business
Founded: July 2013