Acom

Basic Information

Stock Code
8572
Industry
Other Financial Services
Category Detail
Consumer & Business Finance
Prefecture
Tokyo
Establishment Year
October 1978
Listing Year
October 1993
Official Website
https://www.acom.co.jp/
TSE Information
TSE Information
Yahoo! Finance
Yahoo! Finance
Other Companies
Aiful, JACCS, Orico

Overview

Acom is a major consumer finance company established in 1978, a subsidiary of Mitsubishi UFJ Financial Group, and also engages in credit guarantee and credit card businesses.

Current Situation

Acom holds consolidated total assets of approximately ¥1.2191 trillion as of the fiscal year ended March 2021, with operating income of about ¥98.8 billion and net income of about ¥78.9 billion, boasting a solid financial foundation as a major consumer finance firm. Through strategic partnerships with Mitsubishi UFJ Financial Group, it has strengthened its credit guarantee and card loan businesses, solidifying its position as a bank-affiliated consumer lender. It pioneered the industry's first automated contract machine 'Mujin-kun' and was the first to operate at interest rates within the Interest Rate Restriction Law, continuing such innovative efforts. Services center on consumer cash advances and the 'AC MasterCard' credit card, utilizing both physical stores and online channels. It also emphasizes social contribution activities and financial literacy improvement, fostering strong community ties. Moving forward, it plans to expand its business base and enhance customer satisfaction through digitalization and new lending service development.

Trivia

Interesting Facts

  • First in consumer finance industry to develop automated contract machine 'Mujin-kun'
  • Company name coined from 'love,' 'trust,' and 'moderation'
  • Constituent of TOP20 on Tokyo Stock Exchange Standard Market
  • Significant presence as bank-affiliated consumer finance under MUFG Group
  • Strict internal management of celebrity and notable person member information
  • Previously operated video rental business, transferred to TSUTAYA
  • Unique repayment due date set 35 days from borrowing
  • Uses 'AC' notation in ads to respect privacy
  • Addressed overpayment claims issue to strengthen financial base
  • Focuses on financial literacy dissemination as social contribution
  • Diverse CM characters and topical advertising campaigns
  • Once had track and field team, contributing to sports promotion
  • Only consumer finance as MasterCard principal member
  • Upholds legal compliance and customer orientation as management philosophy
  • Deploys Mujin-kun machines nationwide

Hidden Connections

  • Deep ties to bank-affiliated financial market through Mitsubishi UFJ Financial Group's capital participation
  • Collaborates with group affiliates like Maruito Shokusan and Maruito in real estate
  • Holds unique position as sole consumer finance with MasterCard brand
  • Partners with former Tokyo Mitsubishi Bank on 'Bank Quick' card loan credit guarantees
  • Previously operated joint ventures with Mitsubishi Tokyo Financial Group's DC Card and JACCS
  • Leads digitalization efforts in financial industry
  • Only consumer finance with MasterCard principal member qualification
  • Shifted from diversified to focused management after transferring rental business

Future Outlook

Growth Drivers

  • Efficiency gains in lending operations and customer convenience via digitalization
  • Business expansion through strengthened MUFG Group ties
  • Cashless promotion in credit card market
  • New service creation via FinTech adoption
  • Brand strengthening through financial education and social contributions
  • Sound operations compliant with regulations
  • Spread of online applications and smartphone apps
  • Customer need response via diverse repayment plans
  • Further penetration into regional markets
  • Advanced credit risk management using AI
  • Trust building through enhanced security measures
  • Promotion of sustainable management

Strategic Goals

  • Maintain top domestic share in card loan market
  • Achieve 90% online service usage rate
  • Meet 50% environmental impact reduction target
  • Expand financial literacy education to 200,000 participants
  • Strengthen overseas expansion of MasterCard-related business
  • Develop next-generation digital 'Mujin-kun' machines
  • Build product portfolio addressing diverse customer needs
  • Improve review accuracy and fraud prevention via AI
  • Further expand and enhance transparency in CSR activities
  • Create supportive work environments

Business Segments

Credit Guarantee Business

Overview
Provides multifaceted credit guarantee services for financial institutions' loans, contributing to risk reduction.
Competitiveness
Differentiated by advanced risk management capabilities and long track record in credit guarantees.
Customers
  • Mitsubishi UFJ Bank
  • Regional Banks
  • Shinkin Banks
  • Credit Cooperatives
  • Securities Firms
  • Business Finance
  • Insurance Companies
  • Financial Institutions in General
  • Leasing Companies
  • Card Companies
Products
  • Unsecured Card Loan Credit Guarantee
  • Housing Loan Credit Guarantee
  • Business Funding Guarantee
  • Loan Credit Supplement Services
  • Joint Guarantee Provision Services
  • Credit Guarantee Contracting
  • Guarantee Fee Collection Agency
  • Credit Guarantee Contract Management
  • Debt Collection Services
  • Guarantee Risk Management

Debt Management and Collection

Overview
Supports customers' asset preservation through a wide range of debt management and collection services.
Competitiveness
Strength in high debt recovery efficiency and legal response capabilities.
Customers
  • Financial Institutions
  • Leasing Companies
  • Credit Companies
  • Consumer Finance Companies
  • Corporate Enterprises
  • Small and Medium Enterprises
  • Business Restructuring Support
  • Law Firms
  • Insurance Companies
  • Investment Funds
Products
  • Debt Management Agency
  • Debt Collection Services
  • Non-Performing Loan Processing Support
  • Legal Procedure Support
  • Asset Securitization Support
  • Restructuring Plan Development Support
  • Debt Valuation Services
  • Credit Management Support
  • Risk Assessment and Analysis
  • Collection Monitoring

Credit Card Services

Overview
Covers a broad customer base with proprietary brand cards and various payment services.
Competitiveness
Domestic and international network and reliability through MasterCard partnership.
Customers
  • General Consumers
  • Corporate Customers
  • Merchants
  • Financial Institutions
  • Tourism Industry
  • Retail Industry
  • Service Industry
  • E-commerce Operators
  • Payment Processing Companies
  • Points Program Operators
Products
  • AC MasterCard Issuance
  • Card Payment Processing
  • Revolving Payment Services
  • Overseas Cash Advance Services
  • Fraud Detection Systems
  • Customer Support
  • Points Programs
  • Merchant Management
  • Card Member Management
  • E-commerce Payment Support

Internet Finance Services

Overview
Delivers highly convenient online financial services leveraging digital platforms.
Competitiveness
Advanced IT technology adoption and focus on usability.
Customers
  • Individual Customers
  • Younger Demographics
  • Smartphone Users
  • Online Applicants
  • Digital Payment Users
  • Fintech Companies
  • Financial Institution Partners
  • Credit Card Members
  • Online Shoppers
  • Self-Employed Individuals
Products
  • Online Cash Advances
  • Smartphone App Loan Management
  • Fully Online Review Process
  • Web Deposit Services
  • Pay-easy Payments
  • Digital Identity Verification
  • AI Credit Scoring
  • Chat Support
  • Electronic Statements
  • Internet Security

Card Loan Business

Overview
Offers flexible card loan products tailored to diverse needs, expanding customer base.
Competitiveness
Combines rapid reviews with high-quality customer service.
Customers
  • Individual Consumers
  • Female Customers
  • Seniors
  • Younger Demographics
  • Self-Employed
  • Salarymen
  • Housewives
  • Freelancers
  • Financial Novices
  • Rural Residents
Products
  • Unsecured Card Loans
  • Revolving Payments
  • Same-Day Funding Loans
  • Diverse Repayment Plans
  • Low-Interest Campaigns
  • No Annual Fee Cards
  • Member-Exclusive Services
  • Web Applications
  • Simplified Identity Verification
  • Credit Information Management

Affiliated Financial Services

Overview
Creates synergy effects by providing diverse guarantee services through financial institution collaborations.
Competitiveness
Trusted relationships based on broad networks and creditworthiness.
Customers
  • Mitsubishi UFJ Bank
  • Regional Banks
  • Shinkin Banks
  • Credit Companies
  • Insurance Companies
  • Leasing Companies
  • Card Companies
  • Housing Loan Users
  • Small and Medium Enterprises
  • Investment Advisory Firms
Products
  • Card Loan Credit Guarantee
  • Housing Loan Guarantee Services
  • Credit Guarantee Contract Management
  • Co-Developed Financial Products
  • Lending Guarantee Services
  • Business Funding Guarantees
  • Customer Financial Products
  • Joint Marketing
  • Guarantee Risk Diversification
  • Guarantee Fee Collection Agency

Debt Collection Support Services

Overview
Supports creditors' asset preservation with advanced collection expertise.
Competitiveness
Proven efficient collection framework.
Customers
  • Financial Institutions
  • Credit Companies
  • Consumer Finance
  • Corporate Creditors
  • Law Firms
  • Restructuring Support Organizations
  • Investment Funds
  • Leasing Companies
  • Corporate Creditors
  • Insurance Companies
Products
  • Debt Collection Agency
  • Non-Performing Debt Management
  • Legal Collection Support
  • Risk Assessment
  • Collection Plan Development
  • Financial Restructuring Support
  • Asset Securitization Advice
  • Debt Valuation Support
  • Customer Management Systems
  • Debt Information Analysis

Consumer Finance

Overview
Meets credit needs by providing flexible lending products to a wide customer base.
Competitiveness
Fusion of user-friendly contract machines and digital solutions.
Customers
  • Individual Consumers
  • Workers
  • Elderly
  • Students
  • Housewives
  • Self-Employed
  • Part-Timers
  • Younger Demographics
  • Rural Residents
  • Urban Customers
Products
  • Small Loans
  • Card Loans
  • Installment Payments
  • Repayment Support Services
  • Identity Authentication Systems
  • Cash Card Integration
  • Web Application Services
  • Instant Review Systems
  • Financial Education Content
  • Mobile Loans

Risk Management

Overview
Supports safe business operations for customers using advanced risk assessment technology.
Competitiveness
Specialized expertise and experience in the financial industry.
Customers
  • Financial Institutions
  • Investors
  • Business Corporations
  • Internal Audit Departments
  • Compliance Departments
  • Corporate Planning Offices
  • Credit Research Firms
  • Insurance Companies
  • Debt Management Departments
  • Asset Management Firms
Products
  • Credit Risk Analysis
  • Debtor Evaluation Models
  • Market Risk Analysis
  • Operational Risk Management
  • Risk Consulting
  • Fraud Detection Systems
  • Compliance Support
  • Risk Education Programs
  • Internal Control Support Systems
  • Data Analysis Services

Digital Service Development

Overview
Achieves digitalization of financial services and improved customer convenience using cutting-edge technology.
Competitiveness
Industry-leading IT expertise and development capabilities.
Customers
  • Individual Users
  • Corporate Customers
  • App Development Companies
  • IT Vendors
  • Fintech Companies
  • Financial Institutions
  • Customer Support Departments
  • Development Teams
  • Marketing Departments
  • Data Analysis Companies
Products
  • Smartphone Loan Apps
  • AI Scoring Tools
  • Online Application Platforms
  • Chatbot Support
  • Data Visualization Dashboards
  • Payment APIs
  • Identity Authentication Systems
  • Customer Behavior Analysis Tools
  • Enhanced Security Software
  • Cloud Service Integration

Marketing and Advertising

Overview
Enhances brand value through diverse marketing strategies and advertising activities.
Competitiveness
Deep understanding of customer psychology from long industry experience.
Customers
  • Consumer Finance Division
  • Card Business Division
  • Partner Companies
  • Agents
  • Advertising Agencies
  • Media Outlets
  • Event Planners
  • Customer Data Analysis Departments
  • Product Development Departments
  • Customer Support
Products
  • TV Commercials
  • Digital Advertising
  • In-Store Promotions
  • Targeted Advertising
  • SNS Campaigns
  • Brand Building
  • Consumer Research
  • Event Sponsorships
  • Ad Effectiveness Measurement
  • Customer Communications

Financial Education and Awareness

Overview
Contributes to improving consumer lives through dissemination and promotion of financial knowledge.
Competitiveness
Dispatches experts as part of social contribution efforts.
Customers
  • University Students
  • Younger Demographics
  • Working Adults
  • Educational Institutions
  • Corporate Training Departments
  • Local Communities
  • Consumer Groups
  • Government Agencies
  • Financial Services Agency
  • Media
Products
  • Money Management Lectures
  • Financial Literacy Seminars
  • Training for Working Adults
  • Student Materials Development
  • Online Courses
  • Awareness Campaigns
  • Local Events
  • Financial Material Distribution
  • Financial Information Provision
  • Consultation Desks

Competitive Advantage

Strengths

  • Capital and credit strength of Mitsubishi UFJ Group
  • Industry-first introduction of automated contract machine 'Mujin-kun'
  • Established market share in card loans
  • Diverse financial service lineup
  • Focus on customer privacy protection
  • Solid financial foundation
  • Advanced review technology and risk management
  • Nationwide sales network combined with online services
  • Extensive brand portfolio
  • Comprehensive customer support
  • Diverse repayment plan offerings
  • Utilization of advanced IT technology
  • Strong business alliance network
  • Social contribution activities such as financial education
  • Abundant industry experience and know-how

Competitive Advantages

  • Leverages abundant financial resources through MUFG Group collaboration
  • Achieves rapid, unmanned contracts via automated machines, enhancing customer convenience
  • Synergistic effects from long-term stable credit guarantee and card loan businesses
  • Broad access to customer segments through multiple channels
  • Rare MasterCard license holder among consumer finance firms
  • Strengthens review efficiency and credit risk management with advanced AI and IT
  • Stable customer base built on high brand recognition and trust
  • Diversified revenue sources through multifaceted business expansion
  • Secures customer trust through legal compliance and privacy protection
  • Promotes healthy market environment via financial literacy initiatives
  • Competitive edge from nationwide expansion fused with digital services
  • Drives ongoing business innovation through capital and business alliances
  • Highly regarded in industry for debt collection and credit guarantee expertise
  • Enhances social credit through proactive CSR activities
  • Maintains superior customer support network

Threats

  • Impact of tightened financial regulations on interest rate caps
  • Intensifying competition in consumer finance market
  • Legal risks such as overpayment claims
  • Increased bad debt from credit risk fluctuations
  • Rise in defaults due to economic downturn
  • Customer loss from lagging in digitalization competition
  • Price competition intensification from new entrants
  • Loan demand uncertainty from economic fluctuations
  • Risk of declining social credit
  • Information leakage risk from IT security threats
  • Market shrinkage from population decline
  • Reduced usage from changing consumer awareness

Innovations

2024: Cashless Payment Enhancement

Overview
Enhanced AC MasterCard functions and expanded cashless compatibility.
Impact
Improved customer convenience and usage rates

2023: AI Adoption for Credit Review Efficiency

Overview
Introduced AI-based credit evaluation system to speed up reviews.
Impact
Shortened review times and improved risk accuracy

2022: Online Application Platform Renewal

Overview
Introduced new system optimized for smartphones and improved usability.
Impact
Increased users and reduced drop-off rates

2021: Relocation to Environmentally Friendly Head Office Building

Overview
Moved headquarters to energy-efficient, low-environmental-impact Tokyo Shiodome Building.
Impact
Improved ESG ratings and employee satisfaction

2020: Digital Identity Authentication System Introduction

Overview
Adopted fast, secure digital authentication technology.
Impact
Prevented fraud and sped up contracting processes

Sustainability

  • Established robust guidelines for privacy protection
  • Ongoing financial education programs for local communities
  • Environmentally considerate office operations
  • Promoting women's empowerment and diversity
  • Strengthened legal compliance and governance
  • Paperless promotion through digitalization
  • Disability employment initiatives
  • Improved transparency in CSR activities
  • Deployment of management policies for sustainable growth
  • Thorough fair information provision to customers
  • Improved work environment and health management promotion
  • Barrier-free store expansion