• Image 01
  • Image 02
  • Image 03
  • Image 04
  • Image 05
  • Image 06
Need assistance? Contact Us: 1-800-255-5897

Menu

  • Home
  • About Us
    • Company Overview
    • Management Team
    • Board of Directors
  • Your Loan Service Center
  • MAKE A PAYMENT
  • Business Service Center
  • Contact Us
  • Home
  • About Us
    • Company Overview
    • Management Team
    • Board of Directors
  • Your Loan Service Center
  • MAKE A PAYMENT
  • Business Service Center
  • Contact Us
Recent Quotes
View Full List
My Watchlist
Create Watchlist
Indicators
DJI
Nasdaq Composite
SPX
Gold
Crude Oil
Markets
Stocks
ETFs
Tools
Markets:
Overview
News
Currencies
International
Treasuries

Points Not Just Purchases, The ¥2.2 Trillion Ritual of Japan’s Everyday Life

By: MerxWire
October 09, 2025 at 08:36 AM EDT

In Japan, collecting reward points is not merely a way to save money—it represents a way of life. From coasters and folders to limited-edition trinkets sold in convenience stores, these seemingly trivial items reflect a cultural emphasis on everyday rituals and a subtle yet consistent sense of fulfilment.


Studies suggest that simple, repetitive behaviours such as collecting points can subconsciously provide a sense of security and help reduce stress and anxiety. (Photo via unsplash.com)

TOKYO, JAPAN (MERXWIRE) –It’s a familiar scene in Japan: shoppers pulling out various membership or point cards at checkout counters—not for an immediate discount, but in pursuit of a small gift that comes from long-term accumulation. This behaviour not only illustrates the thrifty nature of Japanese consumers but also reflects their appreciation for rhythm and ritual in everyday life. Whether it’s a coaster, a file folder, or a limited-edition collectable, these modest items gradually become a manifestation of cultural habits and personal lifestyle planning.

According to data from Yano Research Institute, Japan’s market for point-based services and credit card rewards surpassed ¥2.2 trillion in 2022, demonstrating its considerable economic impact. The popularity of these systems has even led to the creation of a new term—”ポイ活” (Poi-katsu), meaning “a lifestyle of utilising reward points.” Some individuals, by leveraging multiple platforms and using their cards strategically, reportedly save tens of thousands of yen per month, turning point usage from a casual habit into a deliberate, optimised lifestyle.

This trend is closely tied to the ubiquity of convenience stores in Japan. With over 50,000 stores nationwide, the difference in access between urban and rural areas is minimal. Most people can reach a convenience store within a 5–to 10-minute walk, making “spend-and-collect” a natural part of daily life and further strengthening the emotional ties between brands and consumers.

Behavioural science research supports this phenomenon. Repetitive behaviours that offer predictability and incremental rewards can reduce anxiety and foster a sense of control over one’s environment. Structured systems of goal-based rewards—much like game quests—stimulate the release of dopamine in the brain, generating a modest yet stable sense of psychological satisfaction. Moreover, studies show that participation significantly increases when limited-time offers or high-point multipliers are introduced, enhancing brand loyalty and encouraging repeat consumption.

The high density of convenience stores across Japan makes point collection a routine activity, accelerating the growth of the country’s point-based economy. (Photo via unsplash.com)

However, point systems are not without drawbacks. When programs become overly complex, require high redemption thresholds, or offer uninspiring rewards, users may experience “point fatigue” or disappointment, which can undermine trust and loyalty toward the brand.

From a simple card to a collectable coaster, what many Japanese consumers seek is not merely a discount but a sense of order, rhythm, and meaningful routine within their everyday lives. While rooted in commercial marketing strategies, these systems have evolved into an integral part of Japan’s cultural fabric, representing a distinctive aesthetic of daily living.

More News

View More
News headline image
GameStop Looks Broken: Here’s Why GME Could Crash in 2026 ↗
Today 7:13 EST
Via MarketBeat
Tickers GME MSTR
News headline image
Market Momentum: 3 Stocks Poised for Major Breakouts ↗
December 10, 2025
Via MarketBeat
Tickers GEV TSLA WULF
News headline image
3 Reasons Casey’s General Stores Will Continue Trending Higher ↗
December 10, 2025
Via MarketBeat
Tickers CASY
News headline image
Golden Cross Alert: 3 Stocks With Major Upside Potential ↗
December 10, 2025
Via MarketBeat
Tickers DAR LLY NVO SUI WVE
News headline image
The Top 3 Investment Themes That Will Dominate 2026 ↗
December 10, 2025
Via MarketBeat
Tickers CEG DLR EQIX LLY NEE NVDA

Recent Quotes

View More
Symbol Price Change (%)
AMZN  231.78
+0.00 (0.00%)
AAPL  278.78
+0.00 (0.00%)
AMD  221.42
+0.00 (0.00%)
BAC  54.08
+0.00 (0.00%)
GOOG  320.83
-0.17 (-0.05%)
META  650.13
+0.00 (0.00%)
MSFT  478.56
+0.00 (0.00%)
NVDA  183.78
+0.00 (0.00%)
ORCL  223.01
+0.00 (0.00%)
TSLA  451.45
+0.00 (0.00%)
FinancialContent
Stock Quote API & Stock News API supplied by www.cloudquote.io
Quotes delayed at least 20 minutes.
By accessing this page, you agree to the Privacy Policy and Terms Of Service.
© 2025 FinancialContent. All rights reserved.

Having difficulty making your payments? We're here to help! Call 1-800-255-5897

Copyright © 2019 Franklin Credit Management Corporation
All Rights Reserved
Contact Us | Privacy Policy | Terms of Use | Sitemap