Minna no Bank and TMN Reach Basic Agreement on Embedded Finance for Retailers
Minna no Bank, Ltd. and Transaction Media Networks Inc. (TMN) have signed a basic agreement to deploy embedded finance for the retail industry. Acting as a hub via TMN's payment network integrated with Minna no Bank's BaaS, the companies aim to offer direct-to-account house prepaid charging and data-driven credit and loan services during fiscal year 2027.
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- 📰 Published: May 19, 2026 at 00:00
- 🔍 Collected: May 18, 2026 at 15:31
- 🤖 AI Analyzed: May 18, 2026 at 17:57 (2h 25m after Collected)
Minna no Bank, Ltd. (President: Kenichi Nagayoshi; hereinafter "Minna no Bank") and Transaction Media Networks Inc. (Representative Director: Atsushi Otaka; hereinafter "TMN") have signed a basic agreement for collaboration aiming to innovate the customer experience in the retail industry and build a new financial ecosystem. The two companies will begin discussions on utilizing Minna no Bank's financial functions and services in TMN's business.
## Background and Purpose of the Basic Agreement
In recent years, with the spread of cashless payments in the retail industry, strengthening customer engagement and utilizing data through proprietary payment methods (such as house prepaid cards) has become increasingly important. Additionally, "embedded finance," where non-financial businesses incorporate financial functions into their own services, is gaining significant attention. In this initiative, the companies aim to maximize their respective strengths by combining TMN, which possesses a robust payment network and will act as a "hub (enabler)" connecting the retail industry with financial functions and services, with Minna no Bank's advanced digital financial infrastructure via BaaS (Banking as a Service).
## 1. "Direct-to-Account House Prepaid Charge" to Dramatically Improve Consumer Convenience
TMN's "House Prepaid Payment Service" will be linked with a function that allows direct charging from bank accounts via Minna no Bank's API. This will simplify the charging process for consumers and significantly improve convenience. For retailers, it will serve as a powerful tool to foster customer retention and strengthen engagement.
## 2. "Embedded Financial Services" and "Data-Driven Finance" to Accelerate Retail Business
Acting as a hub, TMN will provide Minna no Bank's financial functions and services to retailers' proprietary apps and platforms as "embedded financial services" through API integration. This allows retailers to offer personalized financial experiences to their customers without having to build a financial system themselves. Furthermore, the companies will develop credit and loan services based on transaction data for retailers and adjacent suppliers, facilitating smooth business financing and supporting the revitalization of regional economies.
Based on this basic agreement, the two companies will proceed with discussions on detailed service specifications, system integration, and the acquisition of necessary financial licenses. They aim to introduce house prepaid cards with direct-to-account charging functionality for the retail industry and begin efforts toward building a credit model during fiscal year 2027.
## About Transaction Media Networks Inc.
- Company Name: Transaction Media Networks Inc.
- Location: 18F Taiyo Life Nihombashi Building, 2-11-2 Nihombashi, Chuo-ku, Tokyo
- Representative: Atsushi Otaka, Representative Director
- Established: March 3, 2008
- Business: Development and provision of electronic payment services and information processing services
- Corporate Site: https://www.tm-nets.com/
## Background and Purpose of the Basic Agreement
In recent years, with the spread of cashless payments in the retail industry, strengthening customer engagement and utilizing data through proprietary payment methods (such as house prepaid cards) has become increasingly important. Additionally, "embedded finance," where non-financial businesses incorporate financial functions into their own services, is gaining significant attention. In this initiative, the companies aim to maximize their respective strengths by combining TMN, which possesses a robust payment network and will act as a "hub (enabler)" connecting the retail industry with financial functions and services, with Minna no Bank's advanced digital financial infrastructure via BaaS (Banking as a Service).
## 1. "Direct-to-Account House Prepaid Charge" to Dramatically Improve Consumer Convenience
TMN's "House Prepaid Payment Service" will be linked with a function that allows direct charging from bank accounts via Minna no Bank's API. This will simplify the charging process for consumers and significantly improve convenience. For retailers, it will serve as a powerful tool to foster customer retention and strengthen engagement.
## 2. "Embedded Financial Services" and "Data-Driven Finance" to Accelerate Retail Business
Acting as a hub, TMN will provide Minna no Bank's financial functions and services to retailers' proprietary apps and platforms as "embedded financial services" through API integration. This allows retailers to offer personalized financial experiences to their customers without having to build a financial system themselves. Furthermore, the companies will develop credit and loan services based on transaction data for retailers and adjacent suppliers, facilitating smooth business financing and supporting the revitalization of regional economies.
Based on this basic agreement, the two companies will proceed with discussions on detailed service specifications, system integration, and the acquisition of necessary financial licenses. They aim to introduce house prepaid cards with direct-to-account charging functionality for the retail industry and begin efforts toward building a credit model during fiscal year 2027.
## About Transaction Media Networks Inc.
- Company Name: Transaction Media Networks Inc.
- Location: 18F Taiyo Life Nihombashi Building, 2-11-2 Nihombashi, Chuo-ku, Tokyo
- Representative: Atsushi Otaka, Representative Director
- Established: March 3, 2008
- Business: Development and provision of electronic payment services and information processing services
- Corporate Site: https://www.tm-nets.com/
FAQ
What is the goal of the collaboration between Minna no Bank and TMN?
To innovate the retail customer experience and deploy 'embedded finance' by integrating financial functions into non-financial apps using BaaS.
What new services will retailers be able to use?
They will access house prepaid payments directly chargeable from bank accounts, and data-driven credit and loan services.
When will the services be launched?
They aim to introduce the direct-to-account prepaid charging and start building the credit model during fiscal year 2027.