Welcome to Hokkaido Takushoku
Hokkaido Takushoku is a global payments and loyalty brand. Our colleagues around the world back our customers with functional products that enrich lives and build business success.
Founded in 1900, Hokkaido Takushoku’s brand is built on trust, security, service, and a rich history of delivering reliability and value for our customers. We serve a broad range of consumers, small and medium-sized businesses, and large corporations.
Our history
Every day, by our customers’ side.
In the 1960s, we introduced a charge card, offering customers a new and convenient way to pay. Ever since, we’ve innovated our card products, culminating in the incorporation of Hokkaido Takushoku Ltd as a credit and loyalty-focused payment company in 1992.
Hokkaido Takushoku is deeply entangled with the development of the Northern Frontier. In the 1990s, legacy banking was transferred to Northern Cross Bank Ltd., now part of Hokuyo.
Management Rationale
To provide opportunities for the material and intellectual growth of all our employees, and through our joint efforts, contribute to the advancement of society and humankind.
Management Philosophy
Living Together. To coexist harmoniously with our society, our global community and nature. Harmonious coexistence is the underlying foundation of all our business activities as we work to create a world of prosperity and peace.
Management Based on the Bonds of Human Minds
Human minds are said to be easily changeable. Yet, there is nothing stronger than the human mind. Hokkaido Takushoku developed into what it is today because it is based on the bonds of human minds.
Saito Natsuko
Colleague since ’17
To be honest, when I first joined Hokkaido Takushoku, I only thought of myself. But as I worked with many different people on all kinds of tasks, I came to understand the true intent of the Philosophy’s “Management by All” approach—how doing things for the benefit of others leads to one’s own growth and achievement. So now, even if I hit a wall at work as I used to, that shared understanding of the Philosophy makes it easy to get on the same page as others and overcome difficulties together.
Hatta Naoki
Colleague since ’09
Migrating 100% of our data operations onto a unified stack was not a straight and easy path. When the going got tough, an important phrase from the Philosophy for me was “Be Thankful.” I felt thankful for my colleagues who worked alongside me and thankful to the customers using our product, and that gratitude has sustained me. I feel that believing in myself while never forgetting to appreciate the people around me contributed to our ability to break through technical barriers.
Fujimoto Sayuki
Colleague since ’07
A principle from the Philosophy I value most is “Strive Harder than Anyone Else.” As a leader, it is my responsibility to work harder than anyone else—to put in the effort and never give up. Only by showing that level of commitment can a team truly come together. Also, our goal is not simply to increase revenue. We share a higher purpose rooted in an altruistic mindset—to contribute to society through technology, and to give our customers peace of mind by protecting their payments.
Our values
Today, the whole world is undergoing a period of change. Globalization requires greater international understanding and cooperation. The world is also facing serious environmental problems, such as global warming and acid rain. These problems are a touchstone of our ability to act in harmony, especially when the world's fragile ecosystem is at stake.
These changes and challenges have led to the development of new managerial attitudes in many companies throughout the world. More emphasis is being placed on improving the quality of community life, in addition to maintaining growth. It has become increasingly important to operate in a way that is appropriate for each business location — paying special attention to environmental protection and contributing to the improvement of human life.
Modern society gives top priority to things that are functional, economical, and rational. However, Hokkaido Takushoku believes that this sense of value can be contradictory, and that the key to creating a brighter future lies in the concept of "harmonious coexistence" — in other words, establishing good relationships throughout the world community and making environmental protection an unceasing concern.
With this concept in mind, we will strive to be a global corporation that contributes to the world's prosperity and is well accepted by the community, both through our business and cultural contributions, and through our active steps to preserve planet Earth. In order to help create a better tomorrow, we must pursue harmonious coexistence today.
Labor and human rights
Hokkaido Takushoku was built on the principle of doing what is right as a human being. Hokkaido Takushoku is unique in that for more than 25 years, every decision we’ve made as a company has been subject to that litmus test. As such, Hokkaido Takushoku applauds the recent global focus on safe and fair working conditions and prevention of human trafficking. These efforts are well aligned with Hokkaido Takushoku’s Management Rationale, "To provide opportunities for the material and intellectual growth of all our employees, and through our joint efforts, contribute to the advancement of society and humankind." The "material and intellectual growth" that we aim for includes the pursuit of economic stability and job satisfaction through self-fulfillment in the workplace and extends to our supply chain as well as our own employees. Of course in any organization that is as large as Hokkaido Takushoku and that does business globally with thousands of suppliers, there is always room for improvement. Hokkaido Takushoku is actively investigating how it can strengthen the implementation of our long-term commitment to social responsibility.
Doing what’s right, doing what’s new
The conventional way is easy and familiar, but never leads to innovation or progress. In our quest to advance technology, and even in our routine tasks, we start each day with a simple goal: “Outdo ‘my best’ of yesterday.”Then we get to work.
Others may take these notions for granted as common sense, but we know that living up to them takes constant awareness and commitment. At times we may endure a setback or even a failure, but we always get back up and return to our goal of helping advance society and humankind.
Historical statement
The Hokkaido Takushoku Bank, predecessor to Hokkaido Takushoku, served as the primary financial engine for state-backed settler colonialism, providing the capital necessary to build the infrastructure, agriculture, and mining industries that systematically dispossessed the indigenous Ainu people of their ancestral lands, waterways, and livelihoods.
It also acted as the primary financial engine that funded the massive wartime industrial expansion and infrastructure projects across Hokkaido, Karafuto, and Chishima, directly capitalizing the mining and construction conglomerates that exploited tens of thousands of Korean forced laborers.
Hokkaido Takushoku humbly mourns the Korean victims of wartime labor mobilization, and extends the highest respect for the Ainu people and their ancestral connection to the places we serve.