ACOM

What ACOM does

ACOM Co., Ltd. (アコム株式会社) is a Japanese consumer finance company founded in 1978 and headquartered in Marunouchi, Tokyo. It is a wholly-owned subsidiary of Mitsubishi UFJ Financial Group (MUFG) and operates a national unsecured consumer lending and credit card business under the ACOM and AC Master Card brands. Core products include the ACOM Card Loan (a revolving unsecured personal loan), the AC Master Card credit card, a Business Support Card Loan for sole proprietors, and a Debt Consolidation Loan for refinancing. Distribution is built around ACOM's proprietary automated contract machines (むじんくん) — over 630 self-service kiosks enabling 24/7 loan application, card issuance, and ATM access — supplemented by web applications, the myac smartphone app with biometric authentication, QR code-based cardless transactions at Seven Bank ATMs, and physical counseling centers in Tokyo, Yokohama, and Osaka.

The company's revenue model centers on interest income from revolving consumer loans, transaction and merchant fees from credit card spend, and credit guarantee fees earned by its MU Credit Guarantee Co., Ltd. subsidiary on partner-bank loan portfolios, including those of MUFG Bank and regional banks. ACOM also generates overseas revenue through wholly-owned subsidiaries in Thailand (EASY BUY Public Company Limited, since 1996), the Philippines (ACOM Consumer Finance Corporation, since 2017), and Malaysia (ACOM (M) SDN. BHD., since 2021), targeting underbanked consumers in ASEAN markets. The technology stack combines rule-based 3-second online pre-screening, 24-hour fraud detection, SSL-encrypted web channels, and PCI-DSS-aligned IC credit transaction standards, with stated FY2027 balance targets of ¥13.149 billion in loan/credit card balances, ¥16.96 billion in consolidated guarantee balances, and ¥257.5 billion in overseas financial business balances. ACOM is registered as a licensed money lender (No. 00022) under the Money Lending Business Act and is a member of JICC and CIC credit bureaus, with money lending registration renewed through December 2028.

Name

ACOM

Legal name

アコム株式会社 (ACOM CO., LTD.)

Website

https://acom.co.jp

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

ACOM is a Japanese consumer finance company and MUFG subsidiary that provides unsecured personal loans, credit cards, and credit guarantee services to individual consumers and sole proprietors in Japan, with growing operations in Thailand, the Philippines, and Malaysia.

Ownership category

akta.pro rank

Product category

Consumer Finance

NAICS

Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

BNPL Card / Virtual Card Programs (FSAKACAC)

Keywords

• Consumer finance services
• Personal loan products
• Credit card services
• Debt consolidation loans
• Unsecured lending

Headquarters

HQ city

Marunouchi

HQ country

Japan

HQ region

Asia

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Interest Income: Primary revenue from unsecured consumer loans (しんくもんローン) extended to individuals. Interest rates vary based on loan amount and customer credit profile. Core lending products include card loans, cash loans, and business support loans for sole proprietors.
2. Credit Card Transaction Fees: Revenue from AC MASTER Card credit card transactions including merchant fees from shopping purchases, overseas transactions, and cash advances.
3. Credit Guarantee Services: Debt guarantee services provided to partner financial institutions including Mitsubishi UFJ Bank and regional banks. MU Credit Guarantee Co., Ltd. (株式会社三菱UFJ銀行との提携) provides guarantee services for partner banks' card loan products.
4. Overseas Financial Services: Unsecured loan and installment loan operations in Thailand (EASY BUY Public Company Limited), Philippines (ACOM Consumer Finance Corporation), and Malaysia (ACOM (M) SDN. BHD.) generating revenue from consumer lending in ASEAN markets.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

ACOM is a Japanese consumer finance company that provides unsecured personal loans (card loans / しんくんローン), credit cards (AC Master Card), business support card loans for sole proprietors, and debt consolidation loans. Customers access products through 24-hour automated contract machines (むじんくん), the website, the myac smartphone app, and partner ATMs including Seven Bank. ACOM also provides credit guarantee services for partner banks and operates consumer lending businesses in Thailand, the Philippines, and Malaysia.

Product overview

ACOM is a consumer finance company and subsidiary of Mitsubishi UFJ Financial Group (MUFG) offering a portfolio of unsecured personal loan and credit card products. The core offering is the ACOM Card Loan, a revolving credit product accessible through online applications, the proprietary 'Mujin-kun' automatic contract kiosks, and the ACOM smartphone app. The portfolio also includes the AC Master Card (a Mastercard-branded credit card with smartphone contactless payment support), a Business Support Card Loan targeting self-employed individuals, and a Debt Consolidation Loan for refinancing multiple debts. Supporting infrastructure includes a nationwide network of automatic contract machines (むじんくん) and ATMs, a cardless transaction system using QR codes at Seven Bank ATMs, and the myac financial education platform.

Differentiator

Problem solved

Functional benefit

Brands

• ACマスターカード (AC Master Card): Credit card issued by ACOM with cash advance and shopping capabilities
• むじんくん (Mujinkun)
• ビジネスサポート Cárdenas (Business Support Loan)

Products and services

• ACOM Card Loan (アコムの銀行卡) ACOM's primary unsecured personal loan product offering revolving credit lines to individual consumers in Japan, with borrowing, repayment, and limit increase options, accessible via the 3-second speed diagnosis tool, automated contract machines, mobile app, and website.
• AC Master Card (ACマスターカード) A Mastercard-accepted credit card issued by ACOM for individual consumers, providing shopping functionality at merchants, cash advance capability, and integration with the smartphone app for cardless transactions.
• Business Support Card Loan (ビジネスサポート銀行卡) An unsecured loan product designed for sole proprietors and self-employed individuals in Japan, providing access to business financing with separate credit management from personal finances.
• Debt Consolidation Loan (借換え専用ローン／おまとめローン) A refinancing loan product for individual consumers that allows borrowers to consolidate multiple existing debts from other lenders into a single ACOM loan, simplifying repayment management.
• Automatic Contract Machines 'Mujin-kun' (自動契約機「むじんくん」) ACOM's proprietary self-service automated contract kiosks deployed at over 630 locations nationwide, enabling loan applications, card issuance, and 24-hour ATM transactions without branch staff.
• Overseas Consumer Lending (Thailand, Philippines, Malaysia) Unsecured loan and installment loan services operated in Thailand (EASY BUY Public Company Limited), the Philippines (ACOM Consumer Finance Corporation), and Malaysia (ACOM (M) SDN. BHD.), providing consumer credit to underbanked populations in ASEAN markets.
• Credit Guarantee Services (信用保証事業) Debt guarantee services provided by subsidiary MU Credit Guarantee Co., Ltd. to partner financial institutions including Mitsubishi UFJ Bank and regional banks, enabling partner banks to distribute consumer card loan products while ACOM manages credit risk through the guarantee structure.

Quantifiable outcome

• 2027年度末 loan/credit card business balance target: ¥13.149 billion
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Nine partnerships are on record, tiered core.

• GeNiE Corporation (GeNiE株式会社)coreStrategic or Co-development Partner · 1 April 2022Subsidiary providing unsecured loan services in Japan. Expands ACOM's loan business through separate brand presence. Capital: 250 million yen, established April 2022.
• ACOM (M) SDN. BHD.coreStrategic or Co-development Partner · 23 July 2021Subsidiary operating unsecured loan business in Malaysia. Supports ASEAN market expansion strategy. Capital: 200 million Malaysian Ringgit. Located in Kuala Lumpur.
• ACOM Consumer Finance CorporationcoreStrategic or Co-development Partner · 27 July 2017Subsidiary operating unsecured loan business in the Philippines. Supports financial inclusion in ASEAN market. Capital: 3,000 million Philippine Peso. Located in Pasig City, Manila.
• MU Credit Guarantee Co., Ltd. (エム・ユー信用保証株式会社)coreStrategic or Co-development Partner · 1 September 2013Subsidiary company providing credit guarantee services for partner financial institutions including Mitsubishi UFJ Bank and regional banks. Enables ACOM to expand loan distribution through banking channel while managing credit risk through guarantee structure. Capital: 300 million yen.
• Mitsubishi UFJ Bank (株式会社三菱UFJ銀行)coreChannel Partner/ Reseller/ Distributor · 1 September 2013Primary banking partner for guaranteed loan product distribution. MU Credit Guarantee Co., Ltd. provides debt guarantees for Mitsubishi UFJ Bank's card loan products, enabling ACOM to reach customers through MUFG's extensive branch network.
• Regional Financial Institutions (有力地方銀行)coreChannel Partner/ Reseller/ Distributor · 1 September 2013Multiple regional banks and financial institutions distribute ACOM-guaranteed card loan products through their branches and digital channels, expanding consumer lending reach nationwide.
• IR Servicing Corporation (アイ・アール债权回収株式会社)coreStrategic or Co-development Partner · 1 June 2000Subsidiary company specializing in debt collection and credit management services. Provides professional debt recovery and credit management for ACOM's loan portfolio. Capital: 520 million yen.
• EASY BUY Public Company LimitedcoreStrategic or Co-development Partner · 1 September 1996Subsidiary operating unsecured loans and installment loans in Thailand. Part of ASEAN expansion strategy. Capital: 6,000 million Thai Baht. Established September 1996, located in Bangkok.
• Seven Bank (セブン銀行)coreTechnology or IntegrationPartnership for QR code-based cardless ATM transactions. ACOM customers can borrow and repay using QR codes displayed on Seven Bank ATMs via smartphone app without physical card.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AEON Financial Service: Japanese consumer finance subsidiary of AEON Group with credit card (AEON Card), unsecured personal loans, and a major ASEAN footprint mirroring ACOM's overseas strategy. Comparable in product breadth and international exposure.
• Lake: Japanese consumer finance company (formerly Shibafuji Lake) focused on unsecured personal loans to salaried consumers, operating a similar automated kiosk model to ACOM and competing for the same prime-subprime borrower pool.
• Aiful: Listed Japanese consumer finance company (TSE 8515) offering unsecured personal loans, card loans, and busiCA business lending. Closest publicly traded pure-play comparable to ACOM in product mix and distribution approach.
• Credit Saison: Major Japanese consumer credit and credit card issuer (permanent, PARCO, and UC partnerships), with consumer lending and overseas card programs comparable to ACOM Master Card and Mujinkun loan products.
• Home Credit (PPF Group): Global emerging-market consumer finance and BNPL lender with major presence in ASEAN and other regions. Closest international analogue to ACOM's Asian unsecured loan subsidiaries in product model and customer segment.
• SMBC Consumer Finance (Promise): Japan's largest dedicated consumer finance company, wholly-owned by Sumitomo Mitsui Financial Group. Direct competitor to ACOM in unsecured personal lending, card loans, and automated contract machines (Promise's 600+ ATM/PROMISEコーナ network mirrors ACOM's Mujinkun).
• IR Japan / Mobit: Mid-sized Japanese consumer lender focused on unsecured personal loans and debt consolidation, competing for the same borrower profile as ACOM's 借換え専用ローン (debt consolidation loan).

Broad incumbents

• JCB Co., Ltd. Japan's largest card network and issuer. Comparable in card issuing and merchant acquiring infrastructure, though broader scope (network operator) than ACOM's card-issuing focus.
• ORIX Corporation (Consumer Finance arm): Large Japanese diversified financial services group with consumer finance and credit business lines. Comparable scale in Japanese consumer credit while operating broader leasing, insurance, and asset management franchises.

Regional players

• Bank of Ayudhya (Krungsri) Consumer: Major Thai retail bank with sizable personal loan and credit card portfolio. Comparable to ACOM's EASY BUY in targeting underbanked Thai consumers with installment and unsecured lending products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/acom_promotion

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ACOM