Fintech
Fintech
Core Value of Co-Creation of Creditability Underpinning Long-Term Relationships with Customers
MARUI GROUP’s unique fintech business is centered on its EPOS cards and underpinned by its core value of the co-creation of creditability. Our stores allow us to connect with a wide range of customers and to advance cardholder recruitment activities focused on younger demographics. We then go on to build long-term relationships with customers through lifestyle apps for cardholders and initiatives to encourage them to use their EPOS cards as their primary credit card.
Business Strategies
Maximization of Share of Household Finances
The market for recurring payments, such as those associated with e-commerce, online services, and rent and utility payments, is expected to grow going forward. MARUI GROUP is deploying a strategy of maximizing its share of household finances by encouraging customers to use their EPOS cards for such recurring payments. We thereby aim to increase EPOS card usage amounts and forge long-term relationships with customers in order to improve lifetime value.
Expansion of Gold Cardholder Base with Unique Credit Expertise Fostered Since Founding
The Gold cards offered by standard credit card companies are symbols of social status, issued based on factors such as an individual’s profession, assets, or income. EPOS cards, meanwhile, are issued based on the unique credit expertise fostered since MARUI GROUP’s founding, which is grounded on the principle of building creditability through the ongoing process of use and repayment. This approach allows us to issue Gold cards to younger individuals, housewives, and other individuals who would have previously been excluded from this privilege, which has in turn contributed to increased usage amounts.
EPOS Cards That Support Individual Interests
MARUI GROUP offers EPOS cards that support individual interests via collaboration with popular anime and manga works and characters, and these cards have been propelling growth in new application numbers. As these cards are based on the passions of customers, they are more likely to continue to use their cards over the long term as their primary credit card, which is contributing to increased usage amounts and is anticipated to generate lifetime value that approaches the high levels produced by Gold cards. Previously, we mainly offered cards based on fandoms for anime works or characters, but we have recently begun expanding the range of genres for these cards to include genres like social contribution, music, and sports.
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Cases
Customizable EPOS Lifestyle App
EPOS cardholders are able to access a lifestyle app offering services and features that can be customized to match their individual needs. For example, the app provides features such as alerts that inform users when their usage amount has reached a level set in advance and the option to change payment methods even after use. By improving user experience via such features, MARUI GROUP aims to achieve even higher levels of lifetime value.
One-of-a-Kind EPOS Pet Cards
MARUI GROUP offers the EPOS Pet Card, a credit card that can be adorned with a picture of one’s pet, an important member of their family, to make for an original design and a one-of-a-kind credit card. A portion of the points accrued in conjunction with usage amounts for these cards is donated to organizations seeking to address issues regarding euthanasia of dogs and cats in animal shelters, thereby contributing to society.
Rent Guarantee Services
The rent guarantee services offered through Epos Card Co., Ltd., are seeing increased usage following a 2020 revision to Japan’s Civil Code. Through these services, Epos Card acts as a guarantor for the rent and other payments of individuals who previously faced difficulties in forming rental agreements, such as students or senior citizens with low incomes or non-Japanese individuals who may be unable to find a guarantor. These services therefore make concluding such contracts must easier. We are working together with major real estate management firms with the goal of expanding usage of our rent guarantee services.
Nationwide Network of EPOS Card Collaboration Partners
We are forming partnerships with commercial facilities throughout Japan, including those in areas without a Marui or Modi location, in order to expand our base of EPOS cardholders. Members of MARUI GROUP are positioned at the facilities of such collaboration partners on a full-time basis, where they work together with partners to propose EPOS cards to a wide range of potential customers and seek to improve the value of said facilities through cards.
Topics
Exploration of New Business Fields
MARUI GROUP is deploying new services that capitalize on its unique characteristics as a company involved in both retailing and fintech. We offer financial inclusion services such as the EPOS Dental Credit plan , which can be used to pay for implants, straightening, and other expensive dental procedures, as well as an installment program reflecting the high residual value of Apple Inc. terminals . Other offerings include services that aid customers throughout their lives, such as a program that allows them to use their accrued EPOS points to support their desired recipient or the asset-building services for younger generations provided by tsumiki Co., Ltd. These new services are helping us acquire new customers. Through such initiatives, MARUI GROUP aims to improve lifetime value while also generating its desired impact.
