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DSS\uff09\u306b\u3001\u307e\u305f\u30c7\u30fc\u30bf\u4fdd\u8b77\u306b\u95a2\u3057\u3066\u306f\u4e00\u822c\u30c7\u30fc\u30bf\u4fdd\u8b77\u898f\u5247\uff08GDPR\uff09\u306b\u6e96\u62e0\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u63db\u8a00\u3059\u308c\u3070\u3001API\u306f\u975e\u91d1\u878d\u4f01\u696d\u304c\u91d1\u878d\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u5e73\u548c\u88cf\u306b\u901a\u4fe1\u3092\u884c\u3046\u3053\u3068\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u4e16\u754c\u7684\u306a\u30d3\u30b8\u30cd\u30b9\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u306ePwC\u306b\u3088\u308b\u3068\u3001\u30e1\u30ea\u30c3\u30c8\u306f\u305d\u308c\u3060\u3051\u306b\u3068\u3069\u307e\u308a\u307e\u305b\u3093<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a>\u3002\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306f\u3001\u4ee5\u4e0b\u306e\u3053\u3068\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u5229\u4fbf\u6027\u3092\u6700\u5927\u5316\u3057\u3066\u7169\u96d1\u3055\u3092\u6e1b\u3089\u3059\u3053\u3068\u3067\u3001\u4f01\u696d\u306e\u9867\u5ba2\u958b\u62d3\u3068\u4fdd\u6301\u3092\u52a9\u3051\u308b<\/li>\n<li>\u53d6\u5f15\u306e\u5e45\u3068\u63d0\u4f9b\u3059\u308b\u91d1\u878d\u30b9\u30ad\u30fc\u30e0\u3092\u62e1\u5927\u3059\u308b\u3053\u3068\u3067\u3001\u65e2\u5b58\u30e6\u30fc\u30b6\u30fc\u9818\u57df\u306e\u65b0\u305f\u306a\u53ce\u76ca\u6e90\u3092\u5275\u51fa\u3059\u308b<\/li>\n<li>\u4f01\u696d\u306b\u9867\u5ba2\u306e\u55dc\u597d\u3084\u884c\u52d5\u306b\u95a2\u3059\u308b\u6709\u610f\u7fa9\u306a\u30c7\u30fc\u30bf\u3092\u63d0\u4f9b\u3057\u3001\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3055\u308c\u305f\u88fd\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u3092\u751f\u307f\u51fa\u305b\u308b\u3088\u3046\u306b\u3059\u308b<\/li>\n<li>\u9867\u5ba2\u306e\u3059\u3079\u3066\u306e\u53d6\u5f15\u30cb\u30fc\u30ba\u306b\u5bfe\u3057\u3066\u30ef\u30f3\u30b9\u30c8\u30c3\u30d7\u306e\u5bfe\u5fdc\u3092\u63d0\u4f9b\u3057\u3001\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306b\u95a2\u5fc3\u304c\u5411\u304f\u30ea\u30b9\u30af\u306a\u3057\u306b\u9867\u5ba2\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3\u3092\u9ad8\u3081\u308b<\/li>\n<li>\u4f01\u696d\u304c\u3001\u9867\u5ba2\u306e\u884c\u52d5\u306b\u57fa\u3065\u304d\u3001\u53d6\u5f15\u3092\u8d85\u3048\u305f\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u91d1\u878d\u30b8\u30e3\u30fc\u30cb\u30fc\u3084\u500b\u5225\u7684\u306a\u30af\u30ec\u30b8\u30c3\u30c8\u3001\u8caf\u91d1\u3001\u4fdd\u967a\u30b5\u30fc\u30d3\u30b9\u3092\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u69cb\u7bc9\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b<\/li>\n<\/ul>\n<p>\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306e\u6069\u6075\u3092\u53d7\u3051\u3001\u624b\u9593\u306e\u304b\u304b\u3089\u306a\u3044\u5b8c\u5168\u306b\u7d71\u5408\u3055\u308c\u305f\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u5b9f\u73fe\u3059\u308b\u91d1\u878d\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\uff08<a href=\"https:\/\/alj.com\/en\/perspective\/navigating-the-future-of-finance\/\">\u30d5\u30a3\u30f3\u30c6\u30c3\u30af<\/a>\uff09\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u306e\u65b0\u305f\u306a\u6f6e\u6d41\u306b\u4e57\u3063\u3066\u3001\u8cb8\u3057\u624b\u3084\u6280\u8853\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3001\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u4f01\u696d\u306f\u76db\u3093\u306b\u63d0\u643a\u3092\u9032\u3081\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u65b0\u305f\u306aAPI\u3092\u6d3b\u7528\u3057\u305f\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u3068\u306f\u3069\u3093\u306a\u3082\u306e\u306b\u306a\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n<h2>\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3068AI\u304c\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u3092\u4fc3\u9032\u3059\u308b<\/h2>\n<p>\u4e16\u754c\u7d4c\u6e08\u30d5\u30a9\u30fc\u30e9\u30e0\u306b\u3088\u308c\u3070\u3001\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306f\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306b\u3088\u308b\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u5148\u99c6\u8005\u3067\u3042\u308a\u3001\u672a\u6765\u306e\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u306e\u5f62\u3092\u4e00\u5909\u3055\u305b\u308b\u3082\u306e\u3067\u3059<a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a>\u3002\u9280\u884c\u306f\u9867\u5ba2\u3068\u306e\u76f4\u63a5\u7684\u306a\u3084\u308a\u3068\u308a\u304c\u5c11\u306a\u304f\u306f\u306a\u3063\u3066\u3082\u3001\u6c7a\u3057\u3066\u5ec3\u308c\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002API\u306f\u652f\u6255\u3044\u3001\u878d\u8cc7\u3084\u4fdd\u967a\u3092\u7ba1\u7406\u3057\u307e\u3059\u304c\u3001\u305d\u308c\u81ea\u8eab\u304c\u8cc7\u91d1\u3092\u4fdd\u6301\u3057\u305f\u308a\u30a2\u30af\u30bb\u30b9\u3057\u305f\u308a\u3059\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u9280\u884c\u306f\u3001\u5bcc\u3068\u6295\u8cc7\u306e\u4fdd\u7ba1\u5834\u6240\u3067\u3042\u308a\u7d9a\u3051\u307e\u3059\u3002<\/p>\n<p>\u9280\u884c\u306b\u306f\u898f\u6a21\u304c\u3042\u308a\u307e\u3059\u3002\u300c\u5927\u304d\u3059\u304e\u3066\u6f70\u305b\u306a\u3044\u300d\u69cb\u9020\u3068\u62e1\u5f35\u6027\u3001\u305d\u3057\u3066\u9577\u5e74\u306b\u308f\u305f\u308b\u4fe1\u983c\u6027\u306e\u9ad8\u3044\u5b8c\u5168\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u4e00\u65b9\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u7d4c\u55b6\u8005\u306f\u3059\u3070\u3084\u304f\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u53d6\u308a\u8fbc\u307f\u3001\u79fb\u308a\u3086\u304f\u30c8\u30ec\u30f3\u30c9\u306b\u3088\u308a\u6a5f\u654f\u306b\u5bfe\u5fdc\u3057\u3001\u9673\u8150\u5316\u3057\u305f\u6280\u8853\u306b\u56fa\u57f7\u3059\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u305f\u3081\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u304c\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306e\u307e\u3063\u305f\u304f\u65b0\u3057\u3044\u6642\u4ee3\u306b\u304a\u3051\u308b\u6700\u9069\u306a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3068\u3057\u3066\u982d\u89d2\u3092\u73fe\u3057\u3064\u3064\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>UAE\u3092\u62e0\u70b9\u3068\u3059\u308b\u6280\u8853\u96c6\u56e3\u3001Astra Tech\uff08\u30a2\u30b9\u30c8\u30e9\u30c6\u30c3\u30af\uff09\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u90e8\u9580\u3067\u3042\u308bQuantix\uff08\u30af\u30a2\u30f3\u30c6\u30a3\u30c3\u30af\u30b9\uff09\u306f\u30012024\u5e7412\u6708\u306b\u3001\u7c73\u56fd\u306e\u591a\u56fd\u7c4d\u9280\u884c\u3067\u3042\u308bCitigroup\uff08\u30b7\u30c6\u30a3\u30b0\u30eb\u30fc\u30d7\uff09\u304b\u30895\u5104\u7c73\u30c9\u30eb\u306e\u878d\u8cc7\u3092\u53d7\u3051\u305f\u3053\u3068\u3092\u660e\u3089\u304b\u306b\u3057\u307e\u3057\u305f<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a>\u3002\u3053\u306e\u6295\u8cc7\u306b\u3088\u308a\u3001Quantix\u306f\u81ea\u793e\u30b5\u30fc\u30d3\u30b9\u306eCashNow\u306e\u6d88\u8cbb\u8005\u30ed\u30fc\u30f3\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u3001SME\u3084\u30ae\u30b0\u30ef\u30fc\u30ab\u30fc\u3068\u3044\u3063\u305f\u3053\u308c\u307e\u3067\u306f\u5bfe\u8c61\u3068\u3055\u308c\u306a\u304b\u3063\u305f\u30b3\u30df\u30e5\u30cb\u30c6\u30a3\u306b\u62e1\u5927\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u4e00\u90e8\u3092\u62c5\u3046Citigroup\u306f\u3001\u6025\u901f\u306b\u767a\u5c55\u3059\u308b\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u30bb\u30af\u30bf\u30fc\u3078\u306e\u6d78\u900f\u3092\u56f3\u308a\u3001\u81ea\u793e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u62e1\u5927\u3092\u9032\u3081\u3066\u3044\u307e\u3059\u3002\u63d0\u643a\u3068\u3057\u3066\u306f\u3001UAE\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306b\u304a\u3051\u308b\u53f2\u4e0a\u6700\u5927\u898f\u6a21\u3068\u306a\u308a\u307e\u3059<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a>\u3002<\/p>\n<p>\u540c\u69d8\u306b\u3001\u56fd\u969b\u9280\u884c\u5927\u624b\u306eHSBC\u306f\u3001\u30b5\u30f3\u30d5\u30e9\u30f3\u30b7\u30b9\u30b3\u3092\u62e0\u70b9\u3068\u3059\u308bB2B\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306eTradeshift\uff08\u30c8\u30ec\u30fc\u30c9\u30b7\u30d5\u30c8\uff09\u3068\u65b0\u898f\u30d9\u30f3\u30c1\u30e3\u30fc\u300cSemFi\u300d\u306b\u95a2\u3059\u308b\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u7d50\u3073\u307e\u3057\u305f<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a>\u3002SemFi\u306fe\u30b3\u30de\u30fc\u30b9\u306e\u8ca9\u58f2\u8005\u306e\u305f\u3081\u306e\u30b5\u30fc\u30d3\u30b9\u3067\u3001HSBC\u304c\u65e9\u671f\u306b\u8acb\u6c42\u66f8\u652f\u6255\u3044\u3092\u884c\u3046\u3053\u3068\u3067\u3001\u500b\u4eba\u4e8b\u696d\u4e3b\u3084SME\u306f\u3088\u308a\u8fc5\u901f\u306b\u652f\u6255\u3044\u3092\u53d7\u3051\u53d6\u308c\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u53d6\u5f15\u5c65\u6b74\u3092\u5206\u6790\u3057\u3001\u8ca9\u58f2\u8005\u306e\u4f1a\u8a08\u30c4\u30fc\u30eb\u306b\u76f4\u63a5\u30a2\u30af\u30bb\u30b9\u3059\u308b\u3053\u3068\u3067\u3001\u3088\u308a\u5e83\u7bc4\u306a\u9867\u5ba2\u306b\u5411\u3051\u305f\u65b0\u3057\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u4e8b\u696d\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002<\/p>\n<p>\u540c\u69d8\u306b\u3001\u7c73\u56fd\u306e\u9280\u884c\u3067\u3042\u308bJPMorgan Chase\uff08JP\u30e2\u30eb\u30ac\u30f3\u30fb\u30c1\u30a7\u30fc\u30b9\uff09\u3068\u91d1\u878d\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306eGusto\uff08\u30ac\u30b9\u30c8\uff09\u3001\u82f1\u56fd\u306e\u9280\u884cNatWest\uff08\u30ca\u30c3\u30c8\u30a6\u30a8\u30b9\u30c8\uff09\u3068\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306e\u30a4\u30ce\u30d9\u30fc\u30bf\u30fc\u3067\u3042\u308bVodeno\uff08\u30f4\u30a9\u30c7\u30ce\uff09\u306f\u3001\u9867\u5ba2\u304c\u7d66\u4e0e\u652f\u6255\u3044\u30b5\u30fc\u30d3\u30b9\u3092\u81ea\u793e\u30b7\u30b9\u30c6\u30e0\u306b\u7d44\u307f\u8fbc\u3093\u3060\u308a\u3001\u88fd\u54c1\u306e\u652f\u6255\u3044\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u8ffd\u52a0\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u3066\u3044\u307e\u3059<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a>\u3002<\/p>\n<p>\u3053\u3046\u3044\u3063\u305f\u5171\u540c\u4e8b\u696d\u304c\u3001\u30b5\u30fc\u30d3\u30b9\u4f9b\u7d66\u7d4c\u8def\u306e\u4ed6\u4e8b\u696d\u8005\u3068\u3068\u3082\u306b\u3001\u793e\u4f1a\u306b\u304a\u3044\u3066\u9280\u884c\u30b5\u30fc\u30d3\u30b9\u304b\u3089<a href=\"https:\/\/alj.com\/en\/perspective\/financial-inclusion-unlocks-liberty-and-opportunity\/\">\u3053\u308c\u307e\u3067\u758e\u5916\u3055\u308c\u3066\u304d\u305f<\/a>\u30bb\u30b0\u30e1\u30f3\u30c8\u306b\u6a29\u9650\u3092\u4e0e\u3048\u3001\u3057\u304b\u3082\u91d1\u878d\u30ea\u30c6\u30e9\u30b7\u30fc\u3092\u9ad8\u3081\u3001\u6295\u8cc7\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u6c11\u4e3b\u5316\u3057\u3066\u3044\u304f\u3053\u3068\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u65b0\u8208\u5e02\u5834\u306b\u304a\u3044\u3066\u3001\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306f\u904b\u8ee2\u8cc7\u91d1\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u63d0\u4f9b\u3057\u3001\u30b5\u30d7\u30e9\u30a4\u30c1\u30a7\u30fc\u30f3\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3092\u8abf\u9054\u304a\u3088\u3073\u53d6\u5f15\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u76f4\u63a5\u7d44\u307f\u8fbc\u307e\u308c\u305f\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u30c7\u30b8\u30bf\u30eb\u30b5\u30fc\u30d3\u30b9\u3078\u3068\u5909\u9769\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/alj.com\/en\/perspective\/headcounts-on-the-block-the-ai-revolution-takes-hold\/\">AI<\/a>\u5206\u91ce\u306e\u30d6\u30ec\u30fc\u30af\u30b9\u30eb\u30fc\u306f\u307e\u3059\u307e\u3059\u3053\u306e\u30b8\u30e3\u30fc\u30cb\u30fc\u3092\u52a0\u901f\u3055\u305b\u308b\u3067\u3057\u3087\u3046\u3002AI\u306f\u3001\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u306e\u53d6\u5f15\u3092\u53ef\u80fd\u306b\u3057\u3066\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u3092\u3055\u3089\u306b\u8fc5\u901f\u5316\u3057\u307e\u3059\u3002\u500b\u4eba\u5411\u3051\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30fc\u30b9\u306e\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u306b\u304a\u3044\u3066\u3082\u3001AI\u306f\u88fd\u54c1\u306e\u8cfc\u5165\u3001\u8acb\u6c42\u652f\u6255\u3044\u3001\u6295\u8cc7\u306e\u7ba1\u7406\u3092\u306f\u308b\u304b\u306b\u76f4\u611f\u7684\u306a\u3082\u306e\u306b\u3057\u307e\u3059\u3002\u304b\u3064\u3066\u306a\u3044\u51e6\u7406\u80fd\u529b\u3068\u9ad8\u5ea6\u306a\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u3092\u5099\u3048\u308bAI\u306f\u3001\u3042\u3089\u3086\u308b\u4e0d\u6b63\u884c\u70ba\u3092\u691c\u51fa\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u305f\u3081\u3001\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306f\u672a\u6765\u306e\u53d6\u5f15\u306b\u304a\u3044\u3066\u6700\u3082\u5b89\u5168\u306a\u9078\u629e\u80a2\u3068\u306a\u308a\u307e\u3059\u3002\u91d1\u878d\u5305\u6442\u306b\u95a2\u3059\u308b\u3055\u3089\u306a\u308b\u30e1\u30ea\u30c3\u30c8\u306f\u3001AI\u3092\u6d3b\u7528\u3057\u305f\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0\u306b\u3088\u308a\u3001\u5f93\u6765\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30d2\u30b9\u30c8\u30ea\u30fc\u3092\u6301\u305f\u306a\u3044\u4eba\u3005\u3082\u878d\u8cc7\u3092\u53d7\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u306a\u308b\u3053\u3068\u3067\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u300c\u6301\u3064\u8005\u300d\u3068\u300c\u6301\u305f\u3056\u308b\u8005\u300d\u306e\u9593\u306e\u91d1\u878d\u683c\u5dee\u304c\u57cb\u3081\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u5b9f\u969b\u3001\u3055\u3089\u306b\u6709\u671b\u306a\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u304cMENA\u5730\u57df\u5185\u3067\u8d77\u3053\u3063\u3066\u3044\u307e\u3059\u3002\u6700\u7d42\u7684\u306b\u306f\u3001\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306e\u6069\u6075\u3092\u53d7\u3051\u3001\u65b0\u8208\u5e02\u5834\u306f\u3088\u308a\u5e73\u7b49\u306a\u6761\u4ef6\u3067\u6210\u719f\u5e02\u5834\u306e\u30e9\u30a4\u30d0\u30eb\u3068\u7af6\u3048\u308b\u3088\u3046\u306b\u306a\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<h2>\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u3067\u5148\u884c\u3059\u308bMENA\u5730\u57df<\/h2>\n<p>\u73fe\u72b6\u3001\u5e02\u5834\u898f\u6a21\u306f\u5927\u304d\u304f\u306a\u3044\u3082\u306e\u306e\u3001MENA\u5730\u57df\u306f\u4eca\u5f8c\u306e\u6025\u901f\u306a\u898f\u6a21\u62e1\u5927\u306e\u53ef\u80fd\u6027\u3092\u79d8\u3081\u308b\u6709\u671b\u306a\u57cb\u3081\u8fbc\u307f\u578b\u7d4c\u6e08\u306e\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u3092\u6709\u3057\u3066\u3044\u307e\u3059\u3002\u5b9f\u969b\u3001\u4e2d\u6771\u306b\u306f\u6280\u8853\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u80b2\u3064\u571f\u58cc\u304c\u3042\u308a\u3001\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306fMENA\u306b\u304a\u3044\u3066\u4e16\u754c\u306e\u305d\u306e\u4ed6\u5730\u57df\u306e2\u500d\u901f\u3067\u306e\u6210\u9577\u304c\u898b\u8fbc\u307e\u308c\u3066\u3044\u307e\u3059<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a>\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-123925\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>\u3053\u308c\u306f\u4e00\u90e8\u306b\u306f\u96fb\u6c17\u901a\u4fe1\u4f01\u696d\u3001\u5c0f\u58f2\u696d\u3001\u30c6\u30c3\u30af\u5206\u91ce\u306e\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u4f01\u696d\u306b\u3088\u308b\u91ce\u5fc3\u7684\u306a\u6295\u8cc7\u306b\u3088\u308a\u4fc3\u9032\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001MENA\u304c\u6b53\u8fce\u3059\u308b\u300c\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u300d\u306e\u6587\u5316\u306b\u3088\u308b\u3082\u306e\u3067\u3082\u3042\u308a\u307e\u3059\u3002\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u3067\u306f\u3001\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3\u306e\u958b\u767a\u8005\u304c\u91d1\u878d\u6a5f\u95a2\u306e\u30c7\u30fc\u30bf\u306b\u30a2\u30af\u30bb\u30b9\u3059\u308b\u3053\u3068\u304c\u8a31\u53ef\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306b\u3068\u3063\u3066\u306e\u524d\u63d0\u6761\u4ef6\u3067\u3059\u3002\u56fd\u5bb6\u30ec\u30d9\u30eb\u3067\u306f\u3001<a href=\"https:\/\/www.bahrainedb.com\/bahrain-pulse\/launching-the-open-banking-revolution-in-the-middle-east-via-fintastic-bahrain\">\u30d0\u30fc\u30ec\u30fc\u30f3\u306e\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af<\/a>\u3084<a href=\"https:\/\/www.centralbank.ae\/media\/mdupathy\/cbuae-launches-a-financial-infrastructure-transformation-programme-to-accelerate-the-digital-transformation-of-the-financial-services-sector-en.pdf\">UAE\u306e\u91d1\u878d\u30a4\u30f3\u30d5\u30e9\u30b9\u30c8\u30e9\u30af\u30c1\u30e3\u5909\u9769\u30d7\u30ed\u30b0\u30e9\u30e0<\/a>\u3001<a href=\"https:\/\/openbanking.sa\/index-en.html\">\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u306e\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u30dd\u30ea\u30b7\u30fc<\/a>\u306a\u3069\u3001\u6cd5\u5236\u9762\u3067\u5927\u304d\u306a\u652f\u63f4\u3092\u53d7\u3051\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>MENA\u306e\u4f01\u696d\u306f\u305d\u306e\u70b9\u306b\u6ce8\u76ee\u3057\u3001\u305d\u308c\u306b\u5fdc\u3058\u305f\u6295\u8cc7\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002\u9855\u8457\u306b\u898b\u3089\u308c\u308b\u30d9\u30f3\u30c1\u30e3\u30fc\u306b\u306f\u3001\u5f8c\u6255\u3044\u6c7a\u6e08\uff08BNPL\uff09\u306e\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u4f01\u696d\u3001\u7d71\u5408\u7684\u306a\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3001\u305d\u3057\u3066\u6570\u591a\u304f\u306e\u65b0\u898f\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u304c\u3042\u308a\u3001\u57cb\u3081\u8fbc\u307f\u578b\u30e2\u30c7\u30eb\u306f\u65c5\u884c\u4e88\u7d04\u6642\u70b9\u3067\u306e\u65c5\u884c\u4fdd\u967a\u304b\u3089\u3001\u5065\u5eb7\u3001\u30e2\u30d3\u30ea\u30c6\u30a3\u3001\u3055\u3089\u306b\u65e5\u5e38\u306e\u8cfc\u8cb7\u306b\u7d44\u307f\u8fbc\u307e\u308c\u305f\u30c7\u30d0\u30a4\u30b9\u5411\u3051\u30de\u30a4\u30af\u30ed\u30a4\u30f3\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9\u307e\u3067\u3001\u305d\u306e\u5229\u7528\u65b9\u6cd5\u3092\u4e00\u5909\u3055\u305b\u3066\u3044\u307e\u3059\u3002\u6ce8\u76ee\u3092\u96c6\u3081\u305f\u53d6\u5f15\u306e\u3072\u3068\u3064\u3067\u3042\u308b\u914d\u8eca\u30b5\u30fc\u30d3\u30b9\u30a2\u30d7\u30ea\u306eUber\uff08\u30a6\u30fc\u30d0\u30fc\uff09\u3068\u4fdd\u967a\u5927\u624b\u306eAxa\uff08\u30a2\u30af\u30b5\uff09\u306e\u63d0\u643a\u3067\u306f\u3001\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u306e\u30bf\u30af\u30b7\u30fc\u304a\u3088\u3073\u914d\u9001\u30bb\u30af\u30bf\u30fc\u5411\u3051\u306e\u30aa\u30fc\u30c0\u30fc\u30e1\u30a4\u30c9\u306e\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u63d0\u4f9b\u306b\u52a0\u3048\u3001Uber\u30a2\u30d7\u30ea\u3092\u4f7f\u7528\u3059\u308b\u5168\u9867\u5ba2\u3092\u5bfe\u8c61\u306b\u533b\u7642\u3068\u6cd5\u5236\u9762\u3082\u30ab\u30d0\u30fc\u3057\u3066\u3044\u307e\u3059<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a>\u3002\u3055\u3089\u306b\u6700\u8fd1\u3067\u306f\u3001Saudi Telecom Company\uff08\u30b5\u30a6\u30b8\u30fb\u30c6\u30ec\u30b3\u30e0\u30fb\u30ab\u30f3\u30d1\u30cb\u30fc\u3001STC\uff09\u304cBNPL\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306eTamara\uff08\u30bf\u30de\u30e9\uff09\u3068\u63d0\u643a\u3057\u3066STC\u306e\u96fb\u5b50\u6a5f\u5668\u3068\u5468\u8fba\u6a5f\u5668\u3092\u4f7f\u7528\u3059\u308b\u9867\u5ba2\u5411\u3051\u306e\u652f\u6255\u3044\u30b9\u30b1\u30b8\u30e5\u30fc\u30eb\u3092\u63d0\u4f9b\u3057\u3001\u9867\u5ba2\u57fa\u76e4\u306e\u53ef\u80fd\u6027\u3092\u98db\u8e8d\u7684\u306b\u5e83\u3052\u3066\u3044\u307e\u3059<a href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a>\u3002<\/p>\n<p>\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306f\u3001UAE\u306b\u304a\u3044\u3066\u7279\u306b\u52e2\u3044\u3092\u5897\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u30bb\u30af\u30bf\u30fc\u306f\u3001e\u30b3\u30de\u30fc\u30b9\u306e\u6025\u62e1\u5927\u3068\u30c7\u30b8\u30bf\u30eb\u30a4\u30f3\u30d5\u30e9\u3078\u306e\u5805\u8abf\u306a\u6295\u8cc7\u306e\u8ffd\u3044\u98a8\u3092\u53d7\u3051\u3066\u3001\u73fe\u5728\u304b\u30892029\u5e74\u307e\u3067\u306e\u5e74\u5e73\u5747\u6210\u9577\u7387\uff08CAGR\uff09\u304c28.6%\u3068\u4e88\u6e2c\u3055\u308c\u3066\u3044\u307e\u3059<a href=\"#_ftn13\" name=\"_ftnref13\">[13]<\/a>\u3002\u30c9\u30d0\u30a4\u3092\u62e0\u70b9\u3068\u3059\u308bCareem Pay\uff08\u30ab\u30ea\u30fc\u30e0\u30fb\u30da\u30a4\uff09\u306f\u3001\u56fd\u969b\u9001\u91d1\u30b5\u30fc\u30d3\u30b9\u3092\u7d99\u7d9a\u7684\u306b\u62e1\u5f35\u3057\u3066\u304a\u308a\u3001\u4eca\u5e74\u306b\u306f\u627f\u8a8d\u6e08\u307f\u306e\u9001\u91d1\u7d4c\u8def\u3068\u3057\u3066\u65b0\u305f\u306b\u6b27\u5dde\u306e18\u30f6\u56fd\u304c\u8ffd\u52a0\u3055\u308c\u307e\u3057\u305f<a href=\"#_ftn14\" name=\"_ftnref14\">[14]<\/a>\u3002\u540c\u3058\u304f\u30c9\u30d0\u30a4\u62e0\u70b9\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u30de\u30fc\u30b1\u30c3\u30c8\u30d7\u30ec\u30a4\u30b9\u306eNoon\uff08\u30cc\u30fc\u30f3\uff09\u3082\u3001\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u300c<a href=\"https:\/\/www.noon.com\/uae-en\/noon-pay\/\">Noon Pay<\/a>\u300d\u3092\u958b\u59cb\u3057\u307e\u3057\u305f\u3002Noon\u306f\u3001\u30e6\u30fc\u30b6\u30fc\u81ea\u8eab\u306eiOS\u3082\u3057\u304f\u306fAndroid\u306e\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u304b\u3089\u30d3\u30b6\u304b\u30de\u30b9\u30bf\u30fc\u30ab\u30fc\u30c9\u3092\u4f7f\u7528\u3057\u305f\u6b8b\u9ad8\u3078\u306e\u5165\u91d1\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u5c06\u6765\u3092\u898b\u636e\u3048\u3001UAE\u306e\u82e5\u624b\u6295\u8cc7\u5bb6\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u306f\u3001\u660e\u65e5\u306e\u8d77\u696d\u5bb6\u305f\u3061\u304c\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306b\u7cbe\u901a\u3057\u305f\u7d4c\u55b6\u8005\u3068\u306a\u308b\u306e\u306b\u5fc5\u8981\u306a\u3059\u3079\u3066\u306e\u91d1\u878d\u304a\u3088\u3073\u30c7\u30b8\u30bf\u30eb\u30b9\u30ad\u30eb\u3092\u8eab\u306b\u3064\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u3057\u3066\u3044\u307e\u3059<a href=\"#_ftn15\" name=\"_ftnref15\">[15]<\/a>\u3002UAE\u306e\u91d1\u878d\u30bb\u30af\u30bf\u30fc\u306b\u304a\u3051\u308b\u300ccoopetition\u300d\uff08\u300c\u7af6\u4e89\u300d\u3068\u300c\u5354\u529b\u300d\u3092\u5408\u308f\u305b\u305f\u9020\u8a9e\uff09\u306e\u7cbe\u795e\u306f\u6ce8\u76ee\u3092\u96c6\u3081\u3066\u304a\u308a\u3001\u4e16\u754c\u7d4c\u6e08\u30d5\u30a9\u30fc\u30e9\u30e0\u306f\u540c\u56fd\u3092\u4eca\u5f8c\u6570\u5341\u5e74\u306b\u304a\u3051\u308b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u6f5c\u5728\u7684\u306a\u30b0\u30ed\u30fc\u30d0\u30eb\u30cf\u30d6\u3067\u3042\u308b\u3068\u8ff0\u3079\u3066\u3044\u307e\u3059<a href=\"#_ftn16\" name=\"_ftnref16\">[16]<\/a>\u3002<\/p>\n<p>Abdul Latif Jameel\uff08\u30a2\u30d6\u30c9\u30a5\u30eb\u30fb\u30e9\u30c6\u30a3\u30d5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\uff09\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u30bb\u30af\u30bf\u30fc\u306e\u4f01\u696d\u3082\u540c\u69d8\u306b\u3001\u3053\u306e\u5730\u57df\u306e\u8907\u6570\u306e\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u30a4\u30cb\u30b7\u30a2\u30c1\u30d6\u306b\u6ce8\u529b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<ul>\n<li>2023\u5e74\u306b\u306f\u3001\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u306e<a href=\"https:\/\/www.aljfinance.com\/en\">Abdul Latif Jameel Finance<\/a>\uff08\u30a2\u30d6\u30c9\u30a5\u30eb\u30fb\u30e9\u30c6\u30a3\u30d5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\uff09\u304c\u3001\u540c\u56fd\u521d\u306eSME\u5411\u3051\u878d\u8cc7\u5c02\u7528\u306e\u30c7\u30b8\u30bf\u30eb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3068\u306a\u308b<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.aljfs.jameelbusiness&amp;hl=en_GB\">Jameel Business<\/a>\u30a2\u30d7\u30ea\u3092\u7acb\u3061\u4e0a\u3052\u3001\u6700\u5927\u30671,500\u4e07\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u30fb\u30ea\u30e4\u30eb\u306e\u8cc7\u91d1\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/li>\n<li>Abdul Latif Jameel Finance\u3082\u30012022\u5e74\u306b\u306f\u500b\u4eba\u878d\u8cc7\u30a2\u30d7\u30ea\u300c<a href=\"https:\/\/www.aljfinance.com\/en\/about-us\/news\/abdul-latif-jameel-finance-launches-new-mobile-app-cash-loan-product-saudi-arabia\">Cash Jameel<\/a>\u300d\u3092\u516c\u958b\u3057\u307e\u3057\u305f\u3002\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u3067\u306f\u3053\u308c\u307e\u3067\u306b\u306a\u304b\u3063\u305f\u88fd\u54c1\u3067\u3042\u308bCash Jameel\u3067\u306f\u3001\u500b\u4eba\u304c\u305d\u308c\u305e\u308c1\u4e07\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u30fb\u30ea\u30e4\u30eb\u304b\u30892\u4e07\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u30fb\u30ea\u30e4\u30eb\u306e\u500b\u4eba\u878d\u8cc7\u3092\u7533\u8acb\u3067\u304d\u307e\u3059\u3002\u30e6\u30fc\u30b6\u30fc\u30d5\u30ec\u30f3\u30c9\u30ea\u30fc\u306a\u30a2\u30d7\u30ea\u3067\u306f\u6570\u5206\u3067\u624b\u7d9a\u304d\u304c\u51e6\u7406\u3055\u308c\u3001\u5951\u7d04\u306f\u30c7\u30b8\u30bf\u30eb\u7f72\u540d\u304c\u53ef\u80fd\u3067\u3001\u6642\u9593\u306e\u304b\u304b\u308b\u4e8b\u52d9\u51e6\u7406\u304c\u4e0d\u8981\u3067\u3059\u3002<\/li>\n<li>\u540c\u69d8\u306b\u30c8\u30eb\u30b3\u3067\u306f\u3001<a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a>\u304c<a href=\"https:\/\/alj.com\/en\/news\/alj-finans-wins-gold-international-interactive-media-award-for-kredimol-mobile-app\/\">\u53d7\u8cde\u5b9f\u7e3e\u306e\u3042\u308b\u878d\u8cc7\u7533\u8acb\u30a2\u30d7\u30ea\u300c<\/a><u>ALJPay<\/u>\u300d\u30922017\u5e74\u304b\u3089\u904b\u55b6\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u30a2\u30d7\u30ea\u3067\u306f\u3001\u904b\u8ee2\u8005\u304c\u597d\u307f\u306e\u30e1\u30fc\u30ab\u30fc\u3092\u7279\u5b9a\u3057\u3066\u65b0\u8eca\u3092\u691c\u7d22\u3067\u304d\u307e\u3059\u3002\u30a8\u30f3\u30c9\u30ab\u30b9\u30bf\u30de\u30fc\u3068\u8ca9\u58f2\u4ee3\u7406\u5e97\u3001\u652f\u6255\u3044\u30b9\u30b1\u30b8\u30e5\u30fc\u30eb\u306e\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u304c\u7d44\u307f\u8fbc\u307e\u308c\u3066\u304a\u308a\u3001\u96fb\u5b50\u5951\u7d04\u66f8\u304c5\u5206\u4ee5\u5185\u306b\u96fb\u5b50\u30e1\u30fc\u30eb\u3067\u5c4a\u304d\u307e\u3059\u3002<\/li>\n<li>UAE\u3067\u306f\u3001<a href=\"https:\/\/jimco.com\/en\/funds\/technology\/\">JIMCO\u306e\u6280\u8853\u57fa\u91d1<\/a>\u304cBNPL\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e<a href=\"https:\/\/jimco.com\/en\/portfolio\/tabby\/\">Tabby<\/a>\uff08\u30bf\u30d3\u30fc\uff09\u306b\u6295\u8cc7\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002\u540c\u793e\u306fIKEA\u3084NIKE\u3068\u3044\u3063\u305f\u4e16\u754c\u7684\u306a\u5927\u624b\u30d6\u30e9\u30f3\u30c9\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u307e\u3059\u3002Tabby\u3067\u306f\u3001\u9867\u5ba2\u304c\u50b5\u52d9\u3092\u8907\u6570\u56de\u306e\u7121\u5229\u652f\u6255\u3044\u306b\u5206\u5272\u3067\u304d\u3001\u9078\u629e\u3057\u305f\u5c0f\u58f2\u3067\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u3092\u5f97\u3089\u308c\u307e\u3059\u3002<\/li>\n<\/ul>\n<p><iframe loading=\"lazy\" title=\"JIMCO Technology Fund  talks to tabby Founder Hosam Arab EN 16x9\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/V9hyTxtVsdM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<ul>\n<li>\u307e\u305f\u3001JIMCO\u306f\u30c8\u30eb\u30b3\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u4f01\u696d\u3067\u3042\u308b<a href=\"https:\/\/jimco.com\/en\/portfolio\/figopara\/\">Figopara<\/a>\uff08\u30d5\u30a3\u30b4\u30d1\u30e9\uff09\u306b\u3082\u6295\u8cc7\u3057\u3001\u8ffd\u52a0\u306e\u904b\u8ee2\u8cc7\u672c\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u4f01\u696d\u304c\u53ce\u652f\u3092\u3084\u308a\u304f\u308a\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u73fe\u4ee3\u793e\u4f1a\u306e\u9700\u8981\u3092\u6e80\u305f\u3059\u3088\u3046\u30b5\u30d7\u30e9\u30a4\u30c1\u30a7\u30fc\u30f3\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3092\u518d\u69cb\u7bc9\u3057\u3001\u4f01\u696d\u304c\u652f\u6255\u671f\u9593\u3092\u5ef6\u9577\u3059\u308b\u3068\u540c\u6642\u306b\u30b5\u30d7\u30e9\u30a4\u30e4\u30fc\u306f\u65e9\u671f\u306b\u652f\u6255\u3044\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u53cc\u65b9\u306b\u30e1\u30ea\u30c3\u30c8\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u307e\u3059\u3002<\/li>\n<li>UAE\u62e0\u70b9\u306e<a href=\"https:\/\/jimco.com\/en\/portfolio\/tmam\/\">tmam<\/a>\uff08\u30c6\u30a3\u30fc\u30de\u30e0\uff09\u306f\u3001JIMCO\u306e\u652f\u63f4\u3092\u53d7\u3051\u3066\u5c0f\u898f\u6a21\u4f01\u696d\u3068\u8d77\u696d\u5bb6\u5411\u3051\u306e\u300c\u51fa\u8cbb\u3068\u652f\u51fa\u7ba1\u7406\u300d\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u958b\u767a\u3092\u9032\u3081\u3066\u3044\u307e\u3059\u3002tmam\u306e\u6280\u8853\u306f\u3001\u51fa\u8cbb\u3068\u652f\u51fa\u306b\u95a2\u3059\u308b\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3092\u884c\u3046\u3053\u3068\u3067\u6642\u9593\u3092\u7bc0\u7d04\u3057\u3001\u30b3\u30b9\u30c8\u306e\u304b\u304b\u308b\u30a8\u30e9\u30fc\u3092\u56de\u907f\u3057\u306a\u304c\u3089\u3001\u30b9\u30de\u30fc\u30c8\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ab\u30fc\u30c9\u3067\u73fe\u91d1\u7ba1\u7406\u3092\u5f37\u5316\u3057\u307e\u3059\u3002<\/li>\n<li>\u3055\u3089\u306b\u3001JIMCO\u306f\u4f01\u696d\u3068\u6d88\u8cbb\u8005\u306bUAE\u5168\u57df\u3078\u306e\u5373\u6642\u9001\u91d1\u3001QR\u30b3\u30fc\u30c9\u6c7a\u6e08\u304a\u3088\u3073\u30bb\u30ad\u30e5\u30a2\u306a\u652f\u6255\u3044\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3092\u63d0\u4f9b\u3059\u308b\u91d1\u878d\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3001<a href=\"https:\/\/jimco.com\/en\/portfolio\/ziina\/\">Ziina<\/a>\uff08\u30b8\u30fc\u30ca\uff09\u306b\u3082\u6295\u8cc7\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002Ziina\u306f\u3059\u3067\u306b5\u4e07\u4eba\u306e\u30a2\u30af\u30c6\u30a3\u30d6\u30e6\u30fc\u30b6\u30fc\u3092\u6301\u3061\u3001\u8fd1\u65e5\u4e2d\u306b\u81ea\u793e\u306eZiiCard\u3092\u958b\u59cb\u3059\u308b\u4e88\u5b9a\u3067\u3001\u3053\u308c\u306b\u3088\u308a\u9867\u5ba2\u306f\u81ea\u8eab\u306e\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u6b8b\u9ad8\u306b\u5373\u6642\u306b\u30a2\u30af\u30bb\u30b9\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<p><iframe loading=\"lazy\" title=\"JIMCO Technology Fund speaks to Faisal Toukan, CEO Ziina (EN VO Subs)\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/d10Ci9uIbMI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>\u3053\u308c\u306f\u5358\u306b\u652f\u6255\u3044\u3092\u4fc3\u9032\u3059\u308b\u3068\u3044\u3046\u8a71\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u3089\u306e\u30a4\u30cb\u30b7\u30a2\u30c1\u30d6\u306f\u3001\u305d\u306e\u4ed6\u306e\u591a\u304f\u3068\u540c\u69d8\u3001\u57cb\u3081\u8fbc\u307f\u578b\u30ed\u30fc\u30f3\uff08BNPL\u306e\u307f\u306a\u3089\u305aSME\u878d\u8cc7\u3084\u500b\u4eba\u878d\u8cc7\u3082\uff09\u304c\u540c\u5730\u57df\u306e\u91d1\u878d\u696d\u754c\u306b\u304a\u3044\u3066\u4e3b\u6d41\u6a5f\u80fd\u3068\u306a\u308a\u3064\u3064\u3042\u308b\u3053\u3068\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002SME\u3001\u30ae\u30b0\u30ef\u30fc\u30ab\u30fc\u3001\u6d88\u8cbb\u8005\u5411\u3051\u306e\u65b0\u305f\u306a\u30af\u30ec\u30b8\u30c3\u30c8\u4e8b\u696d\u3092\u751f\u307f\u51fa\u3057\u3001\u91d1\u878d\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u3044\u304b\u306b\u63d0\u4f9b\u3067\u304d\u308b\u304b\u3092\u518d\u5f62\u6210\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u304c\u4e16\u754c\u4e2d\u3067\u3001\u7279\u306b\u4e2d\u6771\u3067\u6ce8\u76ee\u3092\u6d74\u3073\u308b\u306a\u304b\u3001\u5e83\u7bc4\u306a\u666e\u53ca\u3078\u306e\u969c\u58c1\u306f\u3042\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u305d\u3057\u3066\u307e\u305f\u3001\u305d\u306e\u5b58\u5728\u611f\u304c\u5897\u3059\u72b6\u6cc1\u306b\u304a\u3044\u3066\u3001\u5b98\u6c11\u30bb\u30af\u30bf\u30fc\u306f\u3069\u3093\u306a\u5f79\u5272\u3092\u679c\u305f\u3059\u3079\u304d\u306a\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n<h2>\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306e\u672a\u6765\u306b\u3042\u308b\u3082\u306e<\/h2>\n<p>\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5065\u5168\u306a\u56fd\u969b\u30b7\u30b9\u30c6\u30e0\u306e\u57fa\u76e4\u306f\u78ba\u7acb\u3055\u308c\u3064\u3064\u3042\u308a\u307e\u3059\u304c\u3001\u4e16\u754c\u7684\u306a\u666e\u53ca\u304c\u7d04\u675f\u3055\u308c\u305f\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u958b\u767a\u8005\u306f\u65e2\u5b58\u306e\u4e16\u4ee3\u3088\u308a\u3055\u3089\u306b\u6c4e\u7528\u6027\u306e\u9ad8\u3044API\u3092\u307e\u305f\u65b0\u305f\u306b\u751f\u307f\u51fa\u3059\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u3046\u3059\u308b\u3053\u3068\u3067\u3001\u3042\u3089\u3086\u308b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u304a\u3044\u3066\u3059\u3070\u3084\u304f\u7c21\u4fbf\u306b\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u30e6\u30fc\u30b6\u30fc\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30fc\u30b9\u306b\u5c0e\u5165\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u65b0\u305f\u306aAPI\u6280\u8853\u8cfc\u5165\u306b\u4f34\u3046\u9ad8\u3044\u30b3\u30b9\u30c8\u3068\u3001\u8a8d\u8b58\u3055\u308c\u3066\u3044\u308b\u793e\u5185\u306e\u30b9\u30ad\u30eb\u4e0d\u8db3\u304c\u3001\u591a\u304f\u306e\u4f01\u696d\u306e\u98db\u8e8d\u3092\u59a8\u3052\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u8907\u96d1\u3067\u3068\u304d\u306b\u77db\u76fe\u3059\u308b\u3088\u3046\u306a\u56fd\u3054\u3068\u306e\u898f\u5236\u3082\u307e\u305f\u3001\u9032\u5316\u3092\u9045\u3089\u305b\u308b\u4e00\u56e0\u3067\u3059\u3002\u30c6\u30c3\u30af\u4f01\u696d\u3001\u9280\u884c\u3001\u5c0f\u58f2\u696d\u306f\u3001\u5927\u80c6\u306a\u6295\u8cc7\u306b\u8e0f\u307f\u5207\u308b\u81ea\u4fe1\u3092\u5f97\u3089\u308c\u308b\u3088\u3046\u306a\u660e\u78ba\u3067\u4e00\u8cab\u6027\u306e\u3042\u308b\u898f\u5236\u3092\u6c42\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u6f5c\u5728\u7684\u306a\u30b0\u30ed\u30fc\u30d0\u30eb\u9867\u5ba2\u57fa\u76e4\u306b\u304a\u3044\u3066\u3001\u591a\u304f\u306e\u500b\u4eba\u3084\u5c0f\u898f\u6a21\u4f01\u696d\u306f\u3001\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u88fd\u54c1\u306e\u30e1\u30ea\u30c3\u30c8\u3001\u3042\u308b\u3044\u306f\u305d\u306e\u5b58\u5728\u306b\u3055\u3048\u6c17\u3065\u3044\u3066\u3044\u307e\u305b\u3093\u3002\u6bd4\u8f03\u7684\u82e5\u3044\u6280\u8853\u306b\u3042\u308a\u304c\u3061\u306a\u3088\u3046\u306b\u3001\u4fe1\u983c\u6027\u3068\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306b\u95a2\u3059\u308b\u61f8\u5ff5\u304c\u3064\u304d\u307e\u3068\u3044\u307e\u3059\u3002<\/p>\n<p>\u5e78\u3044\u306a\u3053\u3068\u306b\u3001\u3053\u308c\u3089\u306e\u969c\u58c1\u306b\u5bfe\u3059\u308b\u89e3\u6c7a\u7b56\u306f\u660e\u767d\u3067\u3059\u3002\u5b98\u6c11\u306e\u5408\u540c\u30bd\u30fc\u30b9\u304b\u3089\u306e\u65b0\u898fAPI\u306e\u7814\u7a76\u306b\u95a2\u3059\u308b\u5927\u5e45\u306a\u6295\u8cc7\u3001\u898f\u5236\u306b\u5bfe\u3059\u308b\u7d71\u4e00\u7684\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u3001\u6280\u8853\u9762\u304a\u3088\u3073\u6cd5\u7684\u306a\u8ab2\u984c\u306e\u78ba\u8a8d\u306f\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u53d6\u5f15\u304c\u767a\u751f\u3057\u3066\u3044\u308b\u4e16\u754c\u306e\u3042\u3089\u3086\u308b\u5834\u6240\u3067\u5171\u901a\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u6280\u8853\u61d0\u7591\u6d3e\u306e\u4fe1\u7528\u3092\u5f97\u308b\u305f\u3081\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href=\"#_ftn17\" name=\"_ftnref17\">[17]<\/a>\u3002\u7559\u610f\u3059\u3079\u304d\u70b9\u3068\u3057\u3066\u3001\u540c\u3058\u30a2\u30f3\u30b1\u30fc\u30c8\u306b\u304a\u3044\u3066\u3001\u4f01\u696d\u30ea\u30fc\u30c0\u30fc\u306e5\u5206\u306e4\u306f\u3001\u81ea\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u3078\u306e\u5c0e\u5165\u306e\u8907\u96d1\u3055\u3092\u3042\u308b\u7a0b\u5ea6\u3001\u3082\u3057\u304f\u306f\u8457\u3057\u304f\u4f4e\u304f\u898b\u7a4d\u3082\u3063\u3066\u3044\u305f\u3053\u3068\u3092\u8a8d\u3081\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u9375\u3068\u306a\u308b\u306e\u306f\u6e96\u5099\u3067\u3059\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-123939\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>\u6642\u9593\u306b\u8ffd\u308f\u308c\u308b\u4e16\u754c\u3067\u306f\u3001\u5229\u4fbf\u6027\u304c\u7d76\u5bfe\u3067\u3059\u3002\u305d\u306e\u72b6\u6cc1\u4e0b\u3067\u3001API\u3092\u6d3b\u7528\u3057\u305f\u6280\u8853\u304c\u79c1\u305f\u3061\u306e\u65e5\u5e38\u751f\u6d3b\u306b\u304a\u3051\u308b\u76ee\u306b\u898b\u3048\u306a\u3044\u30d1\u30fc\u30c8\u30ca\u30fc\u3068\u306a\u308b\u3053\u3068\u306f\u5fc5\u7136\u3067\u3059\u3002\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u3068\u306f\u3001\u30e2\u30d3\u30ea\u30c6\u30a3\u304b\u3089\u6559\u80b2\u307e\u3067\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u304c\u30c7\u30b8\u30bf\u30eb\u751f\u6d3b\u306e\u5f53\u305f\u308a\u524d\u306e\u30ec\u30a4\u30e4\u30fc\u3068\u3057\u3066\u5099\u308f\u308b\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306e\u5275\u51fa\u3092\u610f\u5473\u3057\u307e\u3059\u3002\u500b\u4eba\u306b\u3055\u3089\u306a\u308b\u52b9\u7387\u6027\u3092\u63d0\u4f9b\u3057\u3001\u4f01\u696d\u306b\u65b0\u305f\u306a\u5229\u76ca\u5275\u51fa\u306e\u6a5f\u4f1a\u3092\u3082\u305f\u3089\u3059\u3053\u3068\u3067\u3001\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u304c\u8d77\u3053\u308a\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3068\u5546\u696d\u306e\u4e16\u754c\u304c\u885d\u7a81\u3057\u305f\u3068\u304d\u306b\u4f55\u304c\u5b9f\u73fe\u3057\u3046\u308b\u304b\u304c\u3001\u305d\u3053\u306b\u306f\u793a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.precedenceresearch.com\/embedded-finance-market\">https:\/\/www.precedenceresearch.com\/embedded-finance-market<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.marqeta.com\/blog\/real-world-examples-of-embedded-finance\">https:\/\/www.marqeta.com\/blog\/real-world-examples-of-embedded-finance<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/issues\/technology\/tech-translated-embedded-finance.html\">https:\/\/www.pwc.com\/gx\/en\/issues\/technology\/tech-translated-embedded-finance.html<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a><\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/fintech-alliance.com\/news-insights\/article\/astra-tech-s-quantix-secures-500-million-for-regional-expansion\">https:\/\/fintech-alliance.com\/news-insights\/article\/astra-tech-s-quantix-secures-500-million-for-regional-expansion<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a><\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"https:\/\/www.hsbc.com\/news-and-views\/news\/media-releases\/2023\/hsbc-announces-plans-for-new-joint-venture-with-tradeshift\">https:\/\/www.hsbc.com\/news-and-views\/news\/media-releases\/2023\/hsbc-announces-plans-for-new-joint-venture-with-tradeshift<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/thefintechtimes.com\/are-traditional-banks-keeping-up-with-embedded-finance-or-are-they-falling-behind\/\">https:\/\/thefintechtimes.com\/are-traditional-banks-keeping-up-with-embedded-finance-or-are-they-falling-behind\/<\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/www.mingzulu.com\/post\/embedded-finance-2024-mena-market-map\">https:\/\/www.mingzulu.com\/post\/embedded-finance-2024-mena-market-map<\/a><\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/fintechnews.africa\/43597\/fintechafrica\/mena-companies-embrace-embedded-finance\/\">https:\/\/fintechnews.africa\/43597\/fintechafrica\/mena-companies-embrace-embedded-finance\/<\/a><\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.stc.com.sa\/content\/stc\/sa\/en\/personal\/devices\/purchasing-services\/Tamara.html\">https:\/\/www.stc.com.sa\/content\/stc\/sa\/en\/personal\/devices\/purchasing-services\/Tamara.html<\/a><\/p>\n<p><a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> <a href=\"https:\/\/www.researchandmarkets.com\/report\/united-arab-emirates-embedded-finance-market\">https:\/\/www.researchandmarkets.com\/report\/united-arab-emirates-embedded-finance-market<\/a><\/p>\n<p><a href=\"#_ftnref14\" name=\"_ftn14\">[14]<\/a> <a href=\"https:\/\/fintechnews.ae\/24289\/fintechdubai\/careem-pay-expands-remittance-service-to-18-more-european-countries\/\">https:\/\/fintechnews.ae\/24289\/fintechdubai\/careem-pay-expands-remittance-service-to-18-more-european-countries\/<\/a><\/p>\n<p><a href=\"#_ftnref15\" name=\"_ftn15\">[15]<\/a> <a href=\"https:\/\/kf.gov.ae\/en\/news\/new-phase-of-the-young-investor-program-targets-50-schools-and-more-than-75-000-students-across-dubai\">https:\/\/kf.gov.ae\/en\/news\/new-phase-of-the-young-investor-program-targets-50-schools-and-more-than-75-000-students-across-dubai<\/a><\/p>\n<p><a href=\"#_ftnref16\" name=\"_ftn16\">[16]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a><\/p>\n<p><a href=\"#_ftnref17\" name=\"_ftn17\">[17]<\/a> https:\/\/www.pathward.com\/news\/how-embedded-finance-is-transforming-the-world-of-consumer-banki<\/p>\n","protected":false},"author":18,"featured_media":123968,"template":"","tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306f\u3001\u91d1\u878d\u306e\u672a\u6765\u304b\uff1f | \u30a2\u30d6\u30c9\u30a5\u30eb\u30fb\u30e9\u30c6\u30a3\u30d5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\u00ae<\/title>\n<meta name=\"description\" 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