Money Forward : Integrated Report “Forward Map” 2022

Forward Map

Positive Growth Cycle

The word lsustainabilityz is transforming society.The concept underpins the value we provide to users through all our services. By helping users visualize their money, they can feel a sense of security in household finances, enabling them to face the future with confidence. By helping streamline work, we help to create time to do the things they love. And by lending a hand where it` s needed, we help them find the energy to embrace new challenges. It is all about creating a positive growth cycle in the everyday lives of our users. To help people move forward. We still have a lot to do, but we`re ready to start.

Advancing toward My Dream while Spending Money according to Family Life Cycle

My wife and I had started bookkeeping together before marrying. We decided on certain rules, but it was hard because we would forget what we spent money on and had to jot everything down. After we started managing our finances on Money Forward ME, we no longer lost track of our expenses. I feel this has reduced stress stemming from money. I especially like the weekly report function, which shows me the total expenditure for the week. I can plan out whether I should save money or have some leeway during the upcoming week. With the addition of a new family member, we are also developing the habit of spending while considering our future; for example, redirecting dining-out expenses to savings for our child. My dream is to design and build a custom home for the three of us, and I am working toward making this dream come true!

2

Creating Services That Make the World a Better Place through Speedier Business Operations

Our company was founded in 2016 with a focus on TUNAG, a service that helps solve organizational challenges. We started using Money Forward Cloud about a year and a half after our founding, and now use multiple products. Since our administrative department is quite small, eliminating manual tasks and raising productivity is crucial. I feel that these products have raised the speed of our accounting and other operations. In 2020, we also released FANTS, an online platform for supporting monetization in communities. We plan to subsequently launch our third and fourth products, thereby creating services that not only help individuals and organizations but make the world a better place.

User of

Money Forward Cloud

Taihei Onishi

Director and

Corporate Division Manager stmn, inc.

Shaping a Tomorrow in Which Businesses Can Enjoy Growth by Grasping

Business Performance in Real Time

We use Money Forward Cloud to support clients in setting up their businesses and rolling out their accounting, tax, and payroll operations. We are especially focused on enabling clients to grasp their performance on a real time basis. Companies will stop advancing if they cannot respond swiftly to ever-changing internal and external environments. Using monthly financial reports compiled at the traditional speed means making decisions in the dark. Figures would be those from several months earlier, leading to faulty decisions. Companies are able to find more joy in planning next actions and challenges if they can access real-time performance data and outcomes of daily activities. We are committed to spurring the positive growth of Japanese companies by helping to create such situations.

Certified Member of

Money Forward Cloud

Taiki Kyuwa

Hongo Tsuji Tax & Consulting Head of the Company Establishment Center

3

Evolving with the Community while Embracing Mutual Trust

Okazaki Shinkin Bank is the largest cooperative regional bank in the Chubu region, marking its 97th year in 2021. We first met members of Money Forward, Inc. in 2016, soon after its inception, and began jointly providing services. While Okazaki City' s strength lies in monozukuri (manufacturing), with its concentration of Toyota Motor subcontractors, efforts in digital transformation (DX) have still just begun. I truly feel that our customers are benefiting from the new tools that streamline their accounting operations and enable them to easily grasp their cash flow. We value the spirit of sanpo-yoshi, or mutual benefits for the seller, buyer, and society. Only after we satisfy all those involved and contribute to society, can we sustain our business. We will continue to contribute to the region while incorporating new challenges.