TIS Corporation (Headquarters: Shinjuku-Ku, Tokyo; President and CEO: Yasushi Okamoto; hereinafter: TIS) and Torus Advisors LT UAB (CEO: Kirill Lisitsyn, hereinafter: Torus) announce the launch of the "Profit Improvement Support Service for Card Issuers and Acquirers" on November 10, 2025. This service precisely analyzes international brand card transaction data to support sustainable revenue improvement through cost forecasting, and visualization of profit and loss structures.
This service analyzes fees associated with issuing and managing international brand cards for issuers and acquirers operating card businesses and implements improvement proposals to achieve profit improvement. In this collaboration, TIS will provide support for service implementation, while Torus will handle data analysis and improvement proposals aimed at enhancing the profitability of issuers and acquirers.
Prior to the service launch, it was pre-implemented at Orient Corporation, a major consumer finance company, in January 2025, confirming its effects revenue improvement.
Example of Implementation Effects for the "Revenue Improvement Support Service for Card Issuers and Acquirers"
*1 According to Torus research. Overseas, it has been implemented by financial institutions in 33 countries, primarily in Europe.
Background
In recent years, competition has intensified in the issuer and acquirer business handling credit and debit cards, driven by the diversification of payment methods and changing market needs. Consequently, it has become to achieve increasingly difficult for issuers and acquirers sufficient cost visualization independently using traditional cost management methods.
TIS is a systems integrator with strengths in the payment domain, holding approximately 50% of the domestic market share*2 in core credit card system development and over 80% of the domestic market share*3 in providing related services and system development for branded debit cards. Drawing on its longstanding role in supporting payment infrastructure, TIS has focused on the challenges issuers and acquirers face — namely, the "lack of visibility into revenue structures" — and has been exploring solutions through a new data-driven approach.
Torus is a Lithuanian startup founded in 2021. It has established market leadership by providing its “SaaS Analytics Platform,” a fee assessment service for international brand cards, and currently operates in 33 countries, primarily across Europe. As it expands its business, Torus has been selecting partners to support service delivery, with an eye toward entering the Asian region, including Japan.
Therefore, TIS and Torus have partnered to launch a "Revenue Improvement Support Service for Card Issuers and Acquirers" for the Japanese market.
※2 Based on annual credit transaction volume with customers
※3 Based on participating financial institutions
Overview of the "Profit Improvement Support Service for Card Issuers and Acquirers"
This SaaS-based service analyzes the fees incurred by issuers and acquirers for issuing and managing international brand cards, clarifies their revenue structure, and supports cost identification. TIS and Torus provide support from consulting through implementation and operation.
By sharing specified data such as transaction and invoice data with TIS and Torus, issuers and acquirers can access analysis results via dashboard-style revenue analysis reports. Furthermore, experts well-versed in the revenue structures of international brand cards and payment networks assist in identifying issues and support the planning of measures for revenue improvement.
Dashboard Image
This service consists of the following two main functions.
Service Menu
1. Card Network Invoice Analysis
Analyzes and visualizes invoices issued by international brands, providing revenue improvement advice through dashboard-style revenue analysis reports.
2. Transaction Analysis
Visualizes daily predictions and revenue for card network fees per transaction, delivering analysis results for continuous improvement. Analysis targets utilize generative AI to extract necessary data in a conversational format.
Pricing
Custom quotes based on requirements.
For details, please refer to the URL below.
Future Plans
We will promote adoption among issuers and acquirers in Japan, aiming for 30 client companies by fiscal year 2030. From fiscal year 2026 onwards, we plan to leverage TIS's global network, with expansion into ASEAN countries also under consideration.
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About TIS Inc.
TIS Inc., a member of TIS INTEC Group, is a business partner to more than 3,000 companies in various sectors, including finance, manufacturing, public services, communications, and distribution services. It provides IT to support growth strategies, tackling various management challenges faced by its customers. Leveraging the industry knowledge and IT development capabilities it has cultivated over more than 50 years, TIS aims to realize a prosperous society by providing IT services that have been co-created with society and customers in Japan and the ASEAN region.
About Torus Advisors LT UAB
Torus Advisors LT UAB (Headquarters: Vilnius, Lithuania; CEO: Kirill Lisitsyn) is a fintech startup established in 2021. It provides the "SaaS Analytics Platform," a SaaS-based analytics platform specializing in the fee structures of international brand cards. Since its founding in 2021, Torus has been operated by an experienced team of experts, including former executives from international brand cards. In 2024, it won the "Startup Innovation of the Year" award at Europe's largest payments conference, "MPE Berlin." It was selected as Lithuania's fastest-growing fintech startup and also featured in the European high-growth startup ranking "Sifted 100."
