iBank Marketing
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Wiki route
This entry sits under the payment-firms INDEX as the FG-subsidiary fintech / wallet-app operating-company anchor for Fukuoka FG (FFG). Read it against parent operating bank The Bank of Fukuoka / Eighteenth Shinwa Bank, Ltd. / Kumamoto Bank and the wallet-app peer PayPay FG / au Financial Holdings (au-FH) / Rakuten Group financial businesses (Rakuten FG) context. For broader system route see regional-bank API / digital partnership route and banking index.
TL;DR
iBank Marketing Co., Ltd. is a regional-bank-originated fintech subsidiary, a 100% subsidiary of Fukuoka FG (FFG), in charge of the planning and operation of the Wallet+ (Wallet Plus) smartphone app. As a regional-bank-originated, smartphone-first personal financial service, it provides goal-based savings (myCoin), household management, the prepaid card Wallet+ Card, regional-tie-up coupons, etc., to The Bank of Fukuoka / Eighteenth Shinwa Bank, Ltd. / Kumamoto Bank customers. A representative example of regional-bank fintech, with an axis of “bank-account linkage + goal-based savings,” distinct from telecom-affiliated / EC-affiliated wallets such as PayPay / au PAY / Rakuten Group financial businesses (Rakuten FG).
1. License / group boundary
| Item | Notes |
|---|---|
| Legal name | iBank Marketing Co., Ltd. |
| English name | iBank Marketing Co., Ltd. |
| Service brand | Wallet+ (Wallet Plus) |
| Group boundary | fukuoka-fg 100% subsidiary |
| Headquarters | Chuo-ku, Fukuoka City, Fukuoka Prefecture (around the [[regional-banks/fukuoka-bank |
| Wiki role | Regional-bank FG fintech / wallet-app subsidiary anchor |
| Main partner banks | fukuoka-bank / 18-shinwa-bank / kumamoto-bank |
2. Holding tree
[[regional-banks/fukuoka-fg|ふくおか FG (FFG)]] (holding company, TSE PRIME 8354)
├── [[regional-banks/fukuoka-bank|福岡銀行]] (100%) ── Fukuoka-based, core bank
├── [[regional-banks/18-shinwa-bank|十八親和銀行]] (100%) ── Nagasaki-based
├── [[regional-banks/kumamoto-bank|熊本銀行]] (100%) ── Kumamoto-based
├── Minna Bank (100%) ── Japan's first full-cloud-native digital bank
├── [[securities-firms/ffg-securities|FFG 証券]] (100%) ── group securities
├── iBank Marketing (100%, this page) ── Wallet+ app operation
│ ├── Wallet+ App (smartphone household management + goal-based savings myCoin)
│ ├── Wallet+ Card (prepaid card, JCB brand)
│ └── regional-tie-up coupons / campaigns
└── FFG Lease / FFG Card / FFG Venture Business PartnersEstablishment of iBank Marketing
- 2016: FFG established iBank Marketing (a pioneering example of a regional-bank-originated fintech subsidiary)
- Under the concept of “reinventing banking,” it planned smartphone-complete financial services for younger customers
- With The Bank of Fukuoka account linkage as the basis, it placed household management + goal-based savings functions at the core
Wallet+ app rollout
- 2016: Wallet+ app released
- myCoin function: goal-based savings (set a goal such as travel / wedding / housing down-payment, and save a fixed amount monthly)
- Wallet+ Card: a JCB-brand prepaid card (charge type)
- Regional tie-up: coupons tied up with stores / tourist spots in Fukuoka City and across Kyushu
Group expansion
- 2018-2020: Eighteenth Shinwa Bank, Ltd. / Kumamoto Bank linkage added → covering 3 prefectures in Kyushu
4. KPI table (concept)
| Item | Overview |
|---|---|
| App download count | exceeded 300 万 DL ([[regional-banks/fukuoka-fg |
| Main customer segment | individuals in their 20s-40 s + Kyushu-based account holders |
| Main partner banks | fukuoka-bank / 18-shinwa-bank / kumamoto-bank |
| Business areas | household management, goal-based savings, prepaid card, regional coupons |
| Parent | fukuoka-fg 100% investment |
Note: the app download count exceeded 300 万 DL per the FFG publication (sources below). Because precise values for MAU / cards issued are not disclosed on a standalone basis (no published figures), refer to parent fukuoka-fg IR materials / the Wallet+ official site for the latest values.
5. Business segment map
| Segment | Features |
|---|---|
| Wallet+ App | smartphone household management / account visualization / goal-based savings (myCoin) |
| Wallet+ Card | JCB prepaid (charge type, linked with the Wallet+ app) |
| myCoin | goal-based savings (goal-setting for travel / wedding / housing down-payment, etc. + fixed monthly savings) |
| Regional tie-up | coupons tied up with stores / tourist spots in Fukuoka City and across Kyushu |
| Bank linkage | fukuoka-bank / 18-shinwa-bank / kumamoto-bank account linkage |
| Young-segment acquisition | promotes making the bank a main bank for those in their 20s-40 s, with more UX focus than the bank app |
Position within the FG
- Young-segment acquisition channel: an entry point for making fukuoka-fg banks a main bank for the 3 行 younger segment
- Entry to digital strategy: a digital touchpoint alongside Minna Bank (digital bank) / FFG bank apps
- Regional-economy revitalization: in-region consumption circulation through store-tie-up coupons in Fukuoka City and across Kyushu
Competitive structure
- Telecom-affiliated wallets (PayPay / au PAY / d-barai / Rakuten Group financial businesses (Rakuten FG)): nationwide scale, payment-centered; Wallet+ differentiates on the axis of bank linkage + goal-based savings
- Bank apps (megabanks / other regional banks): differentiates on UI/UX, with unique functions such as myCoin
- Household-budget apps (Money Forward / freee-affiliated individual): wide bank-linkage coverage, but regional tie-up / prepaid is unique to Wallet+
- Other regional-bank fintech: a model similar to regional-bank-originated fintech such as Hokkoku Bank (CCI group) or Sanin Godo Bank-affiliated
Strengths and weaknesses
- Strengths: fukuoka-fg banks’ 3 行account customer base + the depth of Kyushu-based regional tie-ups + the uniqueness of goal-based savings myCoin
7. Regulation / policy
- Principal supervisor: Financial Services Agency (FSA) (as a standalone app operating company, no banking license is needed; via partner banks fukuoka-bank / prepaid issuers)
- Regulatory topics:
- prepaid-issuance operations are subject to prepaid-payment-instrument-issuer regulation under the Payment Services Act
- bank-API linkage is subject to the electronic-payment-agency business under the Banking Act (the partner bank registers)
- Personal Information Protection Act + My Number Act (handling household data)
- anti-social-forces checks / anti-money-laundering measures (jointly implemented with partner banks)
Related
- fukuoka-fg · fukuoka-bank · 18-shinwa-bank · kumamoto-bank · ffg-securities
- paypay-fg · au-fh · rakuten-fg · mercari-hd
- money-forward · freee
- regional-bank-api-digital-partnership-route · INDEX · baas-japan-landscape
- payment-firms INDEX
Sources
- iBank Marketing official site (https://www.ibank.co.jp/)
- iBank Marketing official site — corporate information (https://www.ibank.co.jp/corporate/, established 2016-04 / head office Nishi-Nakasu, Chuo-ku, Fukuoka City / FFG digital-strategy subsidiary)
- Fukuoka FG press release (PR TIMES) — Wallet+ achieves 300 万 downloads (https://prtimes.jp/main/html/rd/p/000000320.000029076.html)
- Wallet+ official site (https://walletplus.jp/)
- Fukuoka FG official IR (https://www.fukuoka-fg.com/)
- Fukuoka FG news releases (https://www.fukuoka-fg.com/news/)
- Wikipedia: iBank Marketing / Fukuoka Financial Group (2026-05-24 accessed)
[!info] Verification status confidence: likely (FG fintech-subsidiary anchor created 2026-05-24). The fukuoka-fg page = handles holding-company strategy / Minna Bank, while this page handles the Wallet+ app-operation fintech-subsidiary boundary. The establishment (2016), the Wallet+ release (2016-07), and exceeding 300 万 DL are confirmed by iBank official / FFG publications (sources below). Because precise values for MAU / cards issued are not disclosed on a standalone basis, refer to parent fukuoka-fg IR / Wallet+ official.