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Kort Valuta Co., Ltd., established in August 2014 in Shibuya Tokyo, Japan Kort Valuta Co., Japan Ltd. While the world of finance is readjusting to a new normal, a clear leader has emerged in harnessing the power of true innovation. Kort Valuta is doing something quite different — where traditional financial companies are typically focused purely on finance, Kort Valuta is combining technology and wellness to create financial products that aren't just helping people manage money but their health as well. They know what they're all about: making finance and its surrounding issues a part of our everyday lives to let consumers take control.
Innovation at the Core
The key novelty from Kort Valuta is what they term "ID Tech", which is a new way to put the individual at the heart of financial services treatments. Its two core products, the TwooCa Ring and TwooCa App offer much more than regular digital wallets. The devices provide contactless Visa payments incorporating health checks and digital payroll systems. This unified experience gives users easy access to spend tracking, health checkups, and direct deposit salaries — all in the same app.
Kort Valuta empowers users to make smarter money and health decisions by providing real-time, AI-driven intelligence. This unprecedented mixture of financial and health data makes the company stand out in the crowded fintech sector.
Reinventing the Financial Experience
Conventional financial services are usually inflexible and detached from the lives of their users. Kort Valuta aims to change that by making financial tools part of everyday experiences. For example, businesses using Kort Valuta can make employee salary disbursements available with spending options like employee-only e-commerce platforms. The platform delivers a tailored and well-timed financial, leveraging financial and health behaviour information.
The effect is reflected in the numbers, too, with 94% of users active every month on average, while our customers using the platform see up to a 20% reduction in their administrative work. TwooCa Ring's users also exhibit 3~5 times higher financial activity upon completing the app, indicating that their tech made their customers utilitarian and interesting.
Long-Term and Market Impact
Kort Valuta isn't just fixing today's problems but creating a proactive and preventive future in financial services. Their mission is to build a system in which payroll, health and daily financial decisions are all wired into one another in real-time. With an increasing demand for a more personalized and empowering offering, Kort Valuta is poised to lead this movement towards a more human-centric financial future.
Good news: The scalable and sustainable model they've developed is already yielding results. By 2024, 43.8% of all payments in Japan were cashless, and digital paycheck distribution is trending. With a TAM of more than $3.5 trillion of payments and payroll, Kort Valuta has significant room to expand.
The firm is not affiliated with typical banks and possesses several Japanese financial licenses. Their cloud-native, modular infrastructure scales globally and is backed by overseas compliance such as PCI DSS and ISO/IEC 27001.
Solving Real Problems for Real People
What's innovative about Kort Valuta is that it tackles a lot of typical pain points head-on:
● Disconnecting income from spending tools
● Not receiving personalized financial guidance
● Wellness and finances are managed separately
Their AI-powered TwooCa Concierge provides personalized financial advice with that wellness twist. This device helps users make decisions that clutch a bit more at straws.
Target group and approach to engagement
Though the company focuses on offering its product to the millions of businesses in Japan's massive annual $2.31 trillion payroll market, its B2B2E (business-to-business-to-employee) model can reach much further. Kort Valuta works with employers to provide financial services as part of employee benefits packages for both employers and employees.
Their approach is designed to engage – particularly with progressive companies that care about their employees' wellbeing and financial literacy. This inclusive approach has them well poised for scale and potential.
Customer-Centric Development
Kort Valuta listens to its users. Feedback from pilot runs and interactions leads to product design and feature refinement. This customer-led model is critical in maintaining the company's relevance and adaptability to changing requirements. Internal dashboards enable real-time monitoring of key performance indicators (KPIs), making data-driven decisions without relying exclusively on anecdotal feedback.
Staying Ahead of Trends
The company constantly monitors market changes and invests in AI, Blockchain, and biometrics technologies. By remaining plugged into sources of innovation and industry leadership, they can quickly position themselves to respond to new trends and changing customer needs.
CEO Hideki has been involved in financial projects and business development in San Francisco for over 10 years as an engineer, giving him deep expertise in past, present, and future technologies and services.
Unique Use of Technology
Kort Valuta's utility arises from a clever use of related technologies:
● A Rebirth: Wearable Biometrics for Fitness & Health Tracking
● Artificial intelligence, financial advice robots
● An integrated data infrastructure for leveraging multifaceted user data.
● Traceable and secure transactions with Blockchain
These tools not only coexist; they cooperate. For example, the ring gathers health information, which the AI applies to financial guidance, and the plan reflects the user's income and lifestyle. It's a thoroughly integrated, lifestyle-conscious financial package.
A Reliable and Secure Network
Security is a top priority. Kort Valuta complies with international standards such as PCI DSS and ISO/IEC 27001, guaranteeing that all financial and personal data is safeguarded. Their systems have been built for reliability, privacy, and compliance, making them a long-term partner in the financial services sector.
Intellectual Property & Innovation Pipeline
Kort Valuta patents and trademarks their "original" ideas, especially on wearables and how payroll and tech are linked. Their in-house IP team consistently works to protect their ideas and get new ones on the ground.
Future Roadmap
The future of Kort Valuta:
● Better AI for more competent financial and wellness advice
● Digital asset and crypto payments integration
● Stronger biometric security
● Global and compliant expansion and modular tech
These plans help keep them on the leading edge of financial technology.
Vision for the Industry
Kort Valuta seeks to move financial services from transactional to transformational. They envision a world where money fuels personal dignity, health, and empowerment. Whether managing salary, purchasing something over the internet or monitoring health, finance is embedded in everyday life.
The Future, 2025 and Beyond
Kort Valuta seeks to become Japan's no.1 payroll fintech company and to go international by 2025. Their goal is to empower people to achieve financial wellbeing— what the pair has dubbed "Money Health"— and to do so in a decentralized, democratized financial ecosystem. With innovation and a vision to cater to specific needs at its core, it stands to reinvent not just the Japanese but also the global fintech industry.
Wrapping up
Kort Valuta Inc. is no ordinary fintech company. It is a trailblazer in the design of the future of finance, technology and wellbeing. And by focusing on personal empowerment, they are recasting how people approach money. The combination of innovation, customization, and security they are wielding has the potential to redefine the financial industry and provide a model for how fintech can cater to the needs of the future society.
