Marui Group is a Japanese retail and financial services company operating shopping centers under the Marui and Modi brands alongside a significant credit card and fintech business. The company's retail operations focus on fashion and lifestyle merchandise targeting younger urban consumers. Marui's Epos credit card business has grown into a major revenue contributor, providing financial services to millions of cardholders across Japan.

For international investors, Marui Group offers exposure to a distinctive Japanese retailer that has successfully evolved its business model from a traditional department store operator into an omnichannel retail and fintech company. The company's EPOS credit card business, integrated with its retail operations, creates a mutually reinforcing ecosystem of shopping and financial services. Marui's emphasis on inclusion — offering shopping credit to customers who may lack access to mainstream financial services — is a notable aspect of its social and business strategy.