Business Model
Business Model
Business Merging Retailing, Fintech, and Forward-Looking Investments
For MARUI GROUP, corporate value entails creating harmony between the interests and happiness of all of our stakeholders and growing the intersection of these interests and happiness. We are therefore committed to improving corporate value and resolving social issues through co-creation with stakeholders in order to have a positive impact on society.
Efforts on this front going forward will be advanced under a new business model that includes the third pillar of forward-looking investments along with the prior pillars of retailing and fintech founded on our core value—the co-creation of creditability. By pursuing synergies through this business model, we aim to generate value that is greater than the sum of its constituents
Assets and Strengths
Wide-Ranging Operations Merging Finance and Retailing
MARUI GROUP possesses internal functions related to a wide range of operations, including systems development, credit, rent guarantees, stores, logistics, and investment in start-up companies.
Network of 22 Marui and Modi Stores
Rather than being preoccupied with selling products, Marui and Modi stores are oriented toward creating value that is unique to physical stores, merging both online and offline elements. These stores draw around 200 million visitors a year.
Base of More Than 7.3 Million EPOS Cardholders
Around half of these cardholders are under 40 and 66.9% are active users. Meanwhile, we have maintained a low ratio of delinquent debt of 1.61%. We offer a lineup of collaboration cards with 41 facilities across Japan and with prominent artists and anime works as well as cards that promote renewable energy and support social contributions.
Credit Expertise Continuing since its founding
MARUI GROUP’s principle of the co-creation of creditability has enabled the Company to maintain a ratio of delinquent debt that is particularly low in comparison with its peers. Based on this principle, we embrace the concept of financial inclusion. Today, we are expanding our utilization of the credit expertise founded on the co-creation of creditability by extending credit to corporate customers in addition to individual customers.
Future Directives
Expansion of Businesses That Support People’s Passions
MARUI GROUP is exploring a new economic sphere that is driven by people’s passions, one in which people are less concerned with function and price and more inspired by their emotions, values, and motivations.
In exploring this economic sphere, it will be imperative for MARUI GROUP to develop businesses that support individual interests centered on its business model merging retailing, fintech, and forward-looking investments and to focus resources and investments on the advancement of unique growth strategies.
Our EPOS cards that support individual interests will form an important strategic platform underpinning this undertaking. By leveraging this platform to link MARUI GROUP’s business to the passions of individual customers, we look to create harmony between the interests and happiness of all of our stakeholders.
