Muninova Holdings Inc (Muninova), formerly Aiful Corp, is a holding company that manages subsidiaries engaged in financial, technology, insurance, and related services. Its main activities include consumer and business lending, payment services, credit guarantees, insurance, venture capital, system engineering, debt servicing, corporate restructuring, leaseback services, rent guarantees, and crowdfunding. Its products and services include unsecured and secured loans, medical-fee-backed financing, credit cards, installment purchases, deferred payments, prepaid electronic money, pet insurance, and information technology development and support. The company serves individuals, small and medium-sized enterprises, sole proprietors, medical and care providers, merchants, financial institutions, tenants, and technology clients across consumer finance, commerce, healthcare, housing, and information technology. Its distribution and service channels include websites, mobile applications, contact centers, affiliated ATMs, banks, convenience stores, drugstores, international card networks, franchise merchants, and local business partners. The group operates offices in Kyoto, Tokyo, Shiga, and Kanagawa and conducts overseas lending and finance-related activities in Thailand, Indonesia, and the Philippines. Muninova is headquartered in Kyoto, Japan.

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