Digital

Unique management strategy implementation by advancing digital transformation

Of the mentioned strategies above, we consider that digitalization should be one critically important task to be taken on. Such a view is based on our perception of the current changes in the business environment, and they are rapidly permeating digitalization, fast FinTech evolution and its subsequently expanding application fields, new entrants into the financial industry from the non-financial sector, and workstyle changes induced by corona pandemic. All these changes in operational circumstances call for digital transformation for us to maintain sustainable growth for the sake of our better adaptation and survival. Thus, we will grapple proactively with digital transformation.

We, Tokai Tokyo Financial Group, aspire to reconfigure our business up to a next-generation securities brokerage operation which is dubbed “Securities DX3.0”. Toward this end, we use AI-driven database marketing, diagnosis-based inheritance simulation analysis, and asset management performance evaluation tools for better customer service, as well as implement work process reform. Further, we keep honing the services in digital arenas such as the one for smartphone users, and others associated with digital currencies trading and blockchain technology and sharing those with an expanded range of alliance partners. As such, we will contribute to the nation’s economy and society by growing ourselves as a distinctive securities brokerage firm carrying full-line services and products that set us apart from the competitors.

Tokai Tokyo Financial Group collaborates with regional financial institutions, non-financial business institutions, and local governments in providing services as a new form of business that makes efficient use of innovative FinTech capability. In so doing, we utilize new advanced competencies made possible by fusing FinTech power into conventional services, and we drive regional revitalization initiatives together with the said collaborating partners.

New services made deliverable by integrating FinTech into conventional services

We will provide various gateway digital financial services designed for retail clients such as the occupational application “YORISO” and individual FinTech services such as our smartphone-based brokerage service “CHEER Securities,” robo-advisors, small change investment, small loans, security tokens, NFTs, etc. We deliver such services and products in both stand-alone and bundled formats. In addition, we will organically combine the information acquired in these services with AI and use it in marketing, etc. As participating partners provide services in a synergistic manner, we will build a “digital finance ecosystem.”

【CHEER Securities Inc.】

Based on the concept, “investment that is easy to start and easy to continue,” as a wholly owned subsidiary of Tokai Tokyo Financial Holdings, Inc., CHEER Securities Inc. offers services that make it easy to invest. You can easily purchase U.S. stocks, domestic stocks, “Omakase Management” (robo-advisors) and investment trusts from 500 yen, and start investing easily. You can complete everything from opening an account to depositing money, trading, and withdrawing money with your smartphone. We aim to offer financial services that are easy to start and easy to continue, thanks to its simple design and easy-to-understand operation. We are also developing “YORISO,” an occupational application. It has an “asset formulation portal” equipped with goal-based simulation functions and new NISA simulation functions, and a “human resources portal,” where an AI chat responds based on human resources regulations and in-house rules incorporated into the system. Through these two aspects, we will realize “financial wellness support for employees” and “reduction of the burden of human resources operations” for corporate customers.

CHEER Securities

CHEER Securities Inc. merged with Tokai Tokyo Digital Platform Co., Ltd. on April 1, 2025, and took over the occupational business related to the operation of the occupational application “YORISO.”

Collaborations with partners

By leveraging the Tokai Tokyo Financial Group's strengths in the digital field, such as the STO Asian network, the incorporation of blockchain technology, and our unique smartphone-based brokerage service, we will strive to contribute to the realization of Japan as a Leading Asset Management Center. Our unique financial platform will enable us to provide 1) digital functions to expand our customer base, 2) new fund procurement methods to create investment opportunities and build relationships with business operators, and 3) cutting-edge functions to other financial institutions and operating companies through the use of digital currency platforms.

Our advantage and potential in digital field

「Selection of DX Stocks」

We, Tokai Tokyo Financial Holdings, were selected as a DX Stocks in 2021, 2022 and 2023, three times in a row, and we are the sole company selected as DX from securities brokerage industry. In the years 2020 and 2024, we were selected as a "DX Focus Company."We are proud of this feat because the selection, we consider, is based on the evaluation result of our DX platform capability that boast of its originality and superiority.

About DX Stocks

During the five-year period beginning in 2015, the Ministry of Economy, Trade and Industry (“METI”) and the Tokyo Stock Exchange (“TSE”) had jointly started the program implementation for selecting the stock of the company excelling in IT utilization. This initiative mirrors a part of their collaborative endeavor to promote IT use among Japanese corporations. The program conferred the recognition of “the Stock of the Company Proactively Utilizing IT” to the companies that introduced IT to improve operational innovations, corporate earnings and productivity, which lead to the increased corporate value and fortified competitiveness in mid-to-long-term perspective.
In 2020, the program modified the selection criteria for DX Stocks and it now chooses the company using digital resource and taking on the DX that radically changes business model for grabbing new growth opportunity and acquiring enhanced competitiveness.
From 2022, METI, TSE and newly participated Information-technology Promotion Agency, Japan (“IPA”) select “DX stock” in each industry category from among the TSE-listed companies. The company to be selected should have established an internal mechanism that leads the DX initiative resulting in higher corporate value. Further, the company should demonstrate an excellent record of DX utilization.