iBank Marketing

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

The following table is scoped to public primary sources (ibank.co.jp, prtimes.jp, fukuoka-fg.com). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

2. Holding tree

Fukuoka FG (FFG) (holding company, TSE PRIME 8354)
  ├── The Bank of Fukuoka (100%) ── Fukuoka-based, core bank
  ├── Eighteenth Shinwa Bank, Ltd. (100%) ── Nagasaki-based
  ├── Kumamoto Bank (100%) ── Kumamoto-based
  ├── Minna Bank (100%) ── Japan's first full-cloud-native digital bank
  ├── Ffg Securities (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 Partners

Establishment 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)

The following table is scoped to public primary sources (ibank.co.jp, prtimes.jp, fukuoka-fg.com). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

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

The following table is scoped to public primary sources (ibank.co.jp, prtimes.jp, fukuoka-fg.com). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

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)

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[!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.