ABOUT US

prompt, simple, security
new shopping experience by bin sponsorship with lifecard.

Prompt, Simple, Security
New shopping experience by BIN sponsorship with Lifecard.

Why don’t you join the fast-growing
(since 2018)
BIN sponsor business today?

Why don’t you join the
fast-growing
(since 2018)
BIN sponsor business today?

Muninova Group’s extensive experience and expertise in the
Japanese market, including customer analysis and scoring

Muninova Group

Corporate-turnaround /
Venture capital etc.

Loan / Warranty

- AIFUL

Payment card / Warranty

- LIFE CARD

Muninova Group

Credit

- AG Guarantee

BNPL

- AG Miraibarai

Corporate-turnaround /
Venture capital etc.

Crowdfunding

- AG CrowdFunding

Business loan

Over sea

Debt recovery

- AG Loan Services

Know-How in Japanese market
We are also actively engaged in customer analysis and scoring based on the above results,and are well versed in the Japanese market.

Unsecured loan debit loan : approx $4.6 billion,in 2022
FY2022 unsecured loan debit loan : approx 4.6 billion USD, number of accounts: approx 1 million, new customers: approx 0.2 million, number of stores 848(Japan only).

Global expansion
In addition to loan and credit card businesses, we are developing various businesses as a comprehensive retail financial group (overseas business is expanding to Thailand and Indonesia. Also has experience in China).The group’s operating revenue is approximately 1 billion USD.

LIFE CARD,
provides reliable and secure
BIN sponsorship services

Flexible business development is possible because it is not affiliated with a bank despite being a credit card company.

LIFE CARD Credit Cards
FY2021 total transaction amount: approx. 5 billion USD, number of transactions: 123 million, number of new cards issued:382,000, number of members: approx. 5.3 million

The company also conducts social contribution projects, donating approximately 9.7 million USD to non-profit organizations. (FY2020)