June 5, 2024
Digital Garage, Inc.

NEWS RELEASE
Digital Garage Launches “DGFT Invoice Card Payment for HACOBELL,”a B2B Payment Service for Transport Companies-Digital Garage, Inc. (DG) launches “DGFT Invoice Card Payment for HACOBELL,” a B2B payment service
that supports cash management.

-The service is now available for transport companies and self-employed drivers who are registered in“HACOBELL.”“DGFT Invoice Card Payment for HACOBELL” is a B2B payment service based on “DGFT Invoice Card Payment*1,”
which DG launched in 2022. DG is striving to further expand its payment services for the B2B market, which plays animportant role in the Group strategy, “DG FinTech Shift.”▽ DGFT Invoice Card Payment for HACOBELL website (only in Japanese)
https://lp.dginvoice.jp/hacobell/
Please look at the reference below.

■Background to developing this service
Transportation business operators are concerned about issues like labor shortages and personnel expenses, based onfactors that include increasing shipping volumes and deliveries due to more e-commerce shopping, as well as the“2024 Problem,” referring to restrictions on overtime work by truck drivers. It is also difficult for companies in thisindustry to obtain working capital because they must shoulder costs until accounts receivable are collected, along withmajor fluctuations from seasonal supply and demand.
DG released “DGFT Invoice Card Payment for HACOBELL,” to help improve cash management by transportcompanies and drivers. This service is offered as part of “HACOBELL Supporters Program*2.”■(*1) About “DGFT Invoice Card Payment”
This B2B service postpones the due date by up to 60 days when payment by bank transfer invoice is switched to payment
by JCB/Visa/Mastercard®/Diners Club cards (excluding prepaid cards issued under the JCB brand). It is available even
if the payee does not support card payments and helps small- and medium-sized businesses manage their cash flows,
including regular and unexpected funding shortages due to various factors.
Going forward, DG will offer high-quality B2B Fintech solutions with strict screening standards to a wider range ofindustries, with the aim of solving social issues through DX and establishing a convenient, safe, and secure cashlesssociety.
■(*2) About “HACOBELL Supporters Program”
HACOBELL INC. (HACOBELL) launched this service in 2022 for small- to medium-sized transport companies and selfemployed drivers. It helps manage their companies and build necessary equipment procurement environments, andalso provides support for driver working environments.

Contact: Corporate Communication Dept., Digital Garage, Inc.

Email: dg4819.pr@garage.co.jp

June 5, 2024
Digital Garage, Inc.

NEWS RELEASEHACOBELL introduces great services that its members need for shipping and management. They can be used byshippers, transport companies, self-employed drivers, and other stakeholders.
https://supporters-program.hacobell.com/■Company profiles
Digital Garage, Inc. https://www.garage.co.jp/en/
Digital Garageʼs corporate purpose is “Designing ʻNew Contextʼ for a sustainable society with technology.” DigitalGarage operates a payment business that provides one of the largest comprehensive payment platforms in Japan. Inaddition, DG has a marketing business that provides one-stop solutions in the digital and real world, and a startup
investment and development business that reaches out to promising startups and technologies in Japan and overseas.
HACOBELL INC. https://corp.hacobell.com/
The HACOBELL logistics platform services uphold nationwide logistics, including last-mile shipments to individuals andcompanies, as well as inter-city and other major routes. “HACOBELL Unso Tehai” for light cargo directly matches
shippers and drivers to effectively utilize driver downtime for high-grade, low-cost shipping. Shippers can rate drivers
after using the service, leading to improved quality. “HACOBELL Unso Tehai PLUS” for general cargo connects shippers
with nationwide transport companies, with a web application where companies can manage their vehicles and thoseof partner companies. It also includes vehicle dispatch, invoicing, and a function to request vehicles from theHACOBELL Vehicle Dispatch Center. In this way, HACOBELL helps companies cut logistics costs and implement digitaltransformation.

*Related Release:“Digital Garage Launches “DGFT Invoice Card Payment for OTSUKA CORPORATION,” for the Construction Industry with OTSUKA CORPORATION”(December 19, 2023)“Digital Garage Launches “DGFT Invoice Card Payment for Invoice Issuers,” Using a Fast-Growing Early Payment Collection Scheme for SMBs” (May 25,2023)“Digital Garage and Kakaku.com Decide to Jointly Develop a Fintech Services for the Food Service Industry” (March 30, 2023)“Digital Garageʼs B2B Payment Service Begins Accepting Visa and Mastercard®, Following JCB” (December 12, 2022)“Digital Garage and JCB Launches B2B Payment Service” (November 10, 2022)

Contact: Corporate Communication Dept., Digital Garage, Inc.

Email: dg4819.pr@garage.co.jp

June 5, 2024
Digital Garage, Inc.

NEWS RELEASE＜Reference＞
Strategy and Role of “DGFT Invoice Card Payment” for the B2B Payment Market
To drive DX for a wide range of businesses in the context of drastic changes in society and industrial structure,
we have a DG groupʼs strategy, “DG FinTech Shift,” which integrates payments, data, and technology. With
this strategy, DG is aiming for higher growth by implementing measures that contribute to expanding ourmarket share, developing new services, improving, and strengthening our profit structure, and building multilayered revenue streams.
“DGFT Invoice Card Payment” B2B payment service was launched in 2022 as a strategically important
initiative to enter the larger B2B payment market, in addition to the B2C payment business where the DG
Group has been providing services for the past 25 years.
A survey*1 showed that approximately 90% of B2B transactions are paid via bank transfers in Japan, with
only 6.2% paid by credit card. Invoicing takes a great deal of time, and bank transfer payments posechallenges for billers, including credit screening, bad debts, and payment delays. There are many issues forpayers as well, such as cash management and cash flows. The B2B payment market is estimated to be worth
approximately 1,400 trillion yen*2. Fintech services are required in this sector to seamlessly provide cashless
payments, DX, and cash management services that help resolve these issues.
The DG Group provides stable system infrastructure for B2B credit card transactions through “DGFT Invoice
Card Payment.” DG aims to provide new payment infrastructure services that will help solve a wide range ofB2B issues, such as building an original credit model, expanding its factoring and other services, andseamlessly linking SaaS services for business optimization and payment. To this end, DG Group will effectively
utilize its technologies and partnerships with banks, credit card companies, trading companies, businessapplication providers, and SaaS companies.
Starting with “DGFT Invoice Card Payment” business, the DG Group strives to support DX in the B2B domain
by developing services and businesses in the DX and Fintech sectors that use credit card and transaction data
to improve cash management and business efficiency.
*1 Reference: Business-to-Business Settlement White Paper (2022)*2 Reference: Survey of corporations (2022)

Contact: Corporate Communication Dept., Digital Garage, Inc.

Email: dg4819.pr@garage.co.jp