MARUI GROUP

Marui Group, based in Tokyo, Japan, has evolved from a traditional retail company into a diverse entity that integrates retail, fintech, and co-creative investment. Founded in 1931, the company now operates on a unique business model that combines physical stores, financial services, and venture investments, aiming to create synergies across its various business segments. Marui's approach to investment is centered on "co-creative" ventures, which diverges from standard VC models. Instead of focusing solely on returns, Marui partners with companies that align with its philosophy of creating long-term societal and economic value. Their investment strategy includes two facets: the "A-side," which supports early-stage companies that share Marui's vision of sustainability and inclusiveness, and the "B-side," which involves strategic investments in companies that can synergize with their main businesses. This model allows Marui to invest in sectors that align with their broader goals of financial inclusion and customer engagement. The company's fintech segment, driven by its EPOS card, is a significant growth area, promoting financial access for younger demographics and those traditionally underserved by banking. Through services like rent and utility payments via credit cards, Marui has expanded its influence over household finances, aiming to boost customer lifetime value. This strategic blend of fintech and retailing has helped Marui build a robust and recurring revenue stream. Overall, Marui Group continues to innovate by blending retail, finance, and venture investments, aiming for sustainable growth and a balanced focus on shareholder returns and broader societal impact.