APLUS FINANCIAL Co., Ltd. is a Japan-based financial service provider. The Company is active in five business segments. The Shopping Credit segment is engaged in the provision of the shopping credit services, reimbursement and debt collection services. The Card segment is engaged in the issue of credit cards and the provision of reimbursement services. The Loan segment offers financing services through cash dispensers (CDs) and automated teller machines (ATMs) to its loan card owners. The Settlement segment is involved in the bill collection agency business, as well as rent reimbursement and collection business for apartments and condominiums. The Other Subsidiaries segment includes a consumer credit subsidiary and a servicer subsidiary. As of March 31, 2014, the Company had seven subsidiaries.