UPSIDER's New Business Card System
2025-07-09 02:01:13

UPSIDER Introduces External Provision of Business Card Infrastructure Powered by AI

UPSIDER's New AI-Powered Corporate Card Infrastructure



UPSIDER, Incorporated, led by President Toru Miyagi and Tomoki Mizuno, has announced the external provision of its corporate card infrastructure, including a cutting-edge AI credit assessment model. This initiative allows financial institutions and businesses in Japan to issue their own branded corporate cards. As of October 2024, the corporate card market in Japan is significant, exceeding an annual scale of 1,000 trillion yen. This initiative aims to tap into the growing trend of digitalization in corporate payments and streamline financial management processes for companies across the nation.

Background of the Initiative



The decision to externalize UPSIDER's corporate card infrastructure stems from a recognized challenge many companies face when seeking to develop their own card issuance systems. The inaugural research from the Cashless Promotion Council highlights that corporate card usage is expanding due to the efficiency in expense settlement and unified payment management. As a result, corporate cards are establishing themselves as a vital means of payment in business transactions.

According to an analysis from the IMARC Group, Japan's B2B payment market is projected to grow at a compound annual growth rate (CAGR) of 8.80% from 2025 to 2033. In this dynamic environment, UPSIDER's versatile AI-driven solutions promise to be a game-changer, offering comprehensive support in credit assessments, payment processing, and debt management—all essential for business card operations.

Features of the New Offering



The external provision of UPSIDER’s corporate card infrastructure empowers businesses to create their own branded card services, fostering seamless integration with existing company services. With real-time processing and precise credit evaluations supported by AI technology, UPSIDER ensures a full-service operational support model. Companies can expect a swift setup within just two weeks, enhancing customer satisfaction and efficiency.

As of now, partnerships are in motion with several prominent SaaS providers, allowing companies to leverage their client bases for faster revenue generation and efficient customer acquisition. Joint development opportunities with UPSIDER include innovative credit models and new business initiatives. The infrastructure also plans to gradually roll out unique management features, like real-time usage tracking, spending limits, and reminders for documentation.

Broader Financial Platform Vision



This initiative is part of UPSIDER's broader vision of creating a financial platform that supports the entire ecosystem. Following the corporate card offering, the company plans to expand its technology platform to automate accounting tasks with “UPSIDER AI Accounting” and facilitate funding for growth companies through the “UPSIDER BLUE DREAM Fund.” By opening these technological assets to other companies, UPSIDER aims to address financial access disparities among small and medium enterprises and foster a diverse market that allows for ongoing business challenges.

UPSIDER is committed to evolving into a global financial institution that enables everyone to access and provide financial services. By emphasizing credit as a foundation for its financial platform, UPSIDER is laying the groundwork for a supportive ecosystem for businesses aiming to innovate and thrive.

Insights on UPSIDER Corporate Card



The UPSIDER corporate card specifically addresses financial management issues by offering high credit limits and features like virtual card issuance and expedited accounting processes. With a 99% retention rate as of February 2024 and total transaction volume surpassing 650 billion yen, UPSIDER continues to gain traction with large public companies. The card’s offerings facilitate comprehensive expense management, from pre-transaction approvals to real-time tracking of spending history and efficient documentation processes.

Company Overview



Established in May 2018, UPSIDER aims to revolutionize the financial services landscape while supporting challenger brands across Japan. The collective experience and technology-driven approach allow UPSIDER to cater to over 80,000 businesses by providing services like corporate cards and invoice payment solutions through partnerships with notable institutions like Credit Saison.

UPSIDER remains dedicated to nurturing the financial landscape of Japan, ensuring that businesses have the tools needed to succeed in an increasingly competitive environment. With recent developments, including the establishment of UPSIDER Capital to provide funding for growth-stage ventures, UPSIDER is determined to contribute to the evolution of Japanese industry and the global market.

For inquiries related to implementation discussions or media coverage, please reach out to pr@up-sider.com. You can find more information at UPSIDER's website.


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Topics Financial Services & Investing)

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