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id=\"attachment_52294\" aria-describedby=\"caption-attachment-52294\" style=\"width: 200px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-52294\" src=\"https:\/\/www.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg\" alt=\"Nil\u00fcfer G\u00fcnhan\" width=\"200\" height=\"300\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg 200w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-100x150.jpg 100w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-768x1153.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-682x1024.jpg 682w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278.jpg 1000w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-52294\" 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href=\"https:\/\/alj.com\/ja\/financial-services\/\">\u30cb\u30eb\u30d5\u30a1\u30fc\u30fb\u30ae\u30e5\u30f3\u30cf\u30f3<\/a>\u306f\u8a71\u3057\u307e\u3059\u3002<\/p>\n<p><em>\u300c\u305d\u3046\u9060\u304f\u306a\u3044\u5c06\u6765\u3001\u79c1\u305f\u3061\u306b\u5fc5\u8981\u306a\u5546\u54c1\u3092\u8ca9\u58f2\u3057\u3066\u304f\u308c\u308b\u306e\u306f\u9280\u884c\u304b\u6d88\u8cbb\u8005\u91d1\u878d\u304b\u3001\u307e\u305f\u306f\u4fdd\u967a\u4f1a\u793e\u304b\u3068\u3044\u3046\u3088\u3046\u306a\u3053\u3068\u306f\u8003\u3048\u306a\u304f\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u79c1\u305f\u3061\u306f\u3001\u5358\u306b\u3001\u63d0\u793a\u3055\u308c\u305f\u30cb\u30fc\u30ba\u3092\u6e80\u305f\u3059\u30aa\u30d5\u30a1\u30fc\u3084\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u3001\u307e\u3055\u306b\u305d\u308c\u3092\u5fc5\u8981\u3068\u3059\u308b\u6642\u306b\u53d7\u3051\u3068\u308b\u306e\u3067\u3059\u3002\u300d<\/em><\/p>\n<p>\u8001\u8217\u4f01\u696d\u3082\u65b0\u898f\u53c2\u5165\u4f01\u696d\u3082\u3001\u3053\u306e\u65b0\u3057\u3044\u30d5\u30ed\u30f3\u30c6\u30a3\u30a2\u306e\u53ef\u80fd\u6027\u3092\u63b4\u3080\u305f\u3081\u306b\u8fc5\u901f\u306b\u884c\u52d5\u3057\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n<p><em>\u300c\u30c6\u30c3\u30af\u4f01\u696d\u304c\u3044\u304b\u306b\u7d20\u65e9\u304f\u81ea\u52d5\u8eca\u4f1a\u793e\u306b\u306a\u308b\u304b\u304c\u554f\u984c\u3067\u306f\u306a\u304f\u3001\u79c1\u305f\u3061\u304c\u3044\u304b\u306b\u65e9\u304f\u30c6\u30c3\u30af\u4f01\u696d\u306b\u306a\u308c\u308b\u304b\u304c\u554f\u308f\u308c\u3066\u3044\u307e\u3059\u300d<\/em>\u3068\u3001\u3042\u308b\u4e16\u754c\u7684\u306a\u81ea\u52d5\u8eca\u4f1a\u793e\u306e\u30c8\u30c3\u30d7\u306f\u7d4c\u55b6\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\u4f1a\u793e\u3067\u3042\u308b\u30de\u30c3\u30ad\u30f3\u30bc\u30fc\u306b\u3053\u306e\u3088\u3046\u306b\u8a71\u3057\u307e\u3057\u305f\u3002<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a><\/p>\n<p>\u5b9f\u969b\u306b\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\uff08\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\uff09\u696d\u754c\u3067\u306f\u3001\u3053\u306e10\u5e74\u306e\u9593\u306b\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u304c\u6a19\u6e96\u3068\u306a\u308a\u3001\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u4f01\u696d\u304c\u4e3b\u5c0e\u6a29\u3092\u63e1\u308b\u304b\u3001\u9280\u884c\u3068\u5bfe\u7b49\u306a\u7af6\u4e89\u529b\u3092\u6301\u3064\u3088\u3046\u306b\u306a\u308b\u3068\u4e88\u6e2c\u3055\u308c\u3066\u3044\u307e\u3059\u3002125\u540d\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u7d4c\u55b6\u8005\u3092\u5bfe\u8c61\u3068\u3057\u305f\u30a4\u30f3\u30b5\u30a4\u30c0\u30fc\u8abf\u67fb\u3067\u306f\u3001\u56de\u7b54\u8005\u306e8.8%\u304c2030\u5e74\u307e\u3067\u306b\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u4f01\u696d\u304c\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u5e02\u5834\u3092\u652f\u914d\u3059\u308b\u300128%\u304c\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u4f01\u696d\u304c\u652f\u914d\u3057\u305f\u3068\u3057\u3066\u3082\u898f\u5236\u306e\u305f\u3081\u306b\u5f15\u304d\u7d9a\u304d\u9280\u884c\u306b\u4f9d\u5b58\u3059\u308b\u300124%\u304c\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u4f01\u696d\u304c\u9280\u884c\u3068\u540c\u7b49\u306e\u7af6\u4e89\u529b\u3092\u6301\u3064\u3001\u3068\u4e88\u6e2c\u3057\u3066\u3044\u307e\u3059\u3002<a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-83067\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Fintechs-Views.jpg\" alt=\"ALJ Financial Services Fintechs Views\" width=\"2560\" height=\"2355\" \/><\/p>\n<p>\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u4f01\u696d\u304c\u8c4a\u5bcc\u306a\u7d4c\u9a13\u3092\u6709\u3059\u308b\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u4e8b\u696d\u8005\u3068\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u6a21\u7d22\u3057\u3066\u304a\u308a\u3001\u91d1\u878d\u30bb\u30af\u30bf\u30fc\u3067\u8db3\u639b\u304b\u308a\u3092\u5f97\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u3053\u3068\u304b\u3089\u3001\u305d\u306e\u9053\u7b4b\u3092\u3064\u3051\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u660e\u3089\u304b\u3067\u3059\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignleft  wp-image-83088\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-1024x576.jpg\" alt=\"\" width=\"539\" height=\"303\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-1024x576.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-300x169.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-150x84.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-768x432.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-1536x864.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card-226x126.jpg 226w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Apple-Credit-Card.jpg 1920w\" sizes=\"(max-width: 539px) 100vw, 539px\" \/>\u4f8b\u3048\u3070Apple\u306f\u30012019\u5e74\u306b\u521d\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u767a\u58f2\u958b\u59cb\u3002\u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9\u3068\u63d0\u643a\u3057\u305f\u3053\u306e\u30ab\u30fc\u30c9\u306f\u3001iPhone\u306e\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u306b\u7d71\u5408\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30ab\u30fc\u30c9\u306e\u5229\u7528\u6599\u3084\u652f\u6255\u3044\u3092\u5fd8\u308c\u305f\u3068\u304d\u306e\u624b\u6570\u6599\u306f\u7121\u6599\u3067\u3001Uber\u306e\u30e9\u30a4\u30c9\u30d8\u30a4\u30ea\u30f3\u30b0\u3084\u30d5\u30fc\u30c9\u30c7\u30ea\u30d0\u30ea\u30fc\u30b5\u30fc\u30d3\u30b9\u306a\u3069\u306e\u7b2c\u4e09\u8005\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u304c\u30013%\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u304c\u53d7\u3051\u3089\u308c\u308b\u4ed5\u7d44\u307f\u3067\u3059\u3002\u4e2d\u6838\u5e02\u5834\u3068\u306a\u308b\u306e\u306f\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306b\u7cbe\u901a\u3057\u305f\u30df\u30ec\u30cb\u30a2\u30eb\u4e16\u4ee3\u3067\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u3001Google\u306f\u6d88\u8cbb\u8005\u306b\u5411\u3051\u3066\u30012021\u5e74\u306b\u958b\u59cb\u3059\u308b\u30c7\u30b8\u30bf\u30eb\u9280\u884c\u53e3\u5ea7\u306e\u958b\u8a2d\u3092\u547c\u3073\u304b\u3051\u3066\u3044\u307e\u3059\u3002\u540c\u793e\u306ePlex\u30a2\u30ab\u30a6\u30f3\u30c8\uff08\u30b7\u30c6\u30a3\u30d0\u30f3\u30af\u3092\u542b\u308011\u306e\u9280\u884c\u3084\u4fe1\u7528\u7d44\u5408\u3068\u63d0\u643a\u3057\u3066\u904b\u55b6\uff09\u306f\u3001Google Pay\u306e\u67a0\u7d44\u307f\u306e\u4e2d\u3067\u904b\u55b6\u3055\u308c\u307e\u3059\u3002Google\u306f\u3001Gmail\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\u306e\u6709\u540d\u306a\u691c\u7d22\u6027\u3092\u5229\u7528\u3057\u3066\u3001\u9867\u5ba2\u304c\u81ea\u5206\u306e\u652f\u51fa\u3092\u5bb9\u6613\u306b\u5206\u985e\u3057\u7406\u89e3\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u306b\u9045\u308c\u308b\u3053\u3068\u306a\u304fFacebook\u3082\u3001\u300c\u901a\u8ca8\u3068\u653f\u5e9c\u50b5\u52d9\u306e\u30d0\u30b9\u30b1\u30c3\u30c8\u306b\u7d50\u3073\u3064\u3044\u305f\u300d\u72ec\u81ea\u306eLibra\u3068\u547c\u3070\u308c\u308b\u30c7\u30b8\u30bf\u30eb\u901a\u8ca8\u3092\u5c0e\u5165\u3059\u308b\u53ef\u80fd\u6027\u3092\u6a21\u7d22\u3057\u3066\u3044\u307e\u3059\u3002<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a>Facebook\u304c\u76ee\u6307\u3059\u306e\u306f\u3001\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u3092\u3088\u308a\u8fc5\u901f\u304b\u3064\u5b89\u4fa1\u306b\u30b0\u30ed\u30fc\u30d0\u30eb\u306b\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u3053\u308c\u307e\u3067\u306eLibra\u306e\u5b9f\u614b\u306f\u3001\u6c7a\u3057\u3066\u5186\u6ed1\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u3053\u306e\u4e8b\u4f8b\u306f\u3001\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u4f01\u696d\u304c\u3001\u7279\u306b\u6cd5\u5f8b\u30fb\u898f\u5236\u9806\u5b88\u306e\u89b3\u70b9\u304b\u3089\u3001\u3053\u306e\u3088\u3046\u306a\u30c7\u30ea\u30b1\u30fc\u30c8\u306a\u5e02\u5834\u3067\u89e3\u6c7a\u3059\u3079\u304d\u8ab2\u984c\u3092\u904e\u5c0f\u8a55\u4fa1\u3057\u305f\u5834\u5408\u306b\u3001\u3069\u306e\u3088\u3046\u306a\u554f\u984c\u304c\u767a\u751f\u3059\u308b\u304b\u3068\u3044\u3046\u4e8b\u3092\u793a\u3059\u3082\u306e\u3068\u3057\u3066\u6349\u3048\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3>\u5171\u306b\u5354\u529b\u3059\u308b\u3053\u3068\u3067\u554f\u984c\u306e\u89e3\u6c7a\u3092\u56f3\u308b<\/h3>\n<p>Facebook\u304cLibra\u306e\u6982\u8981\u3092\u767a\u8868\u3057\u305f\u6642\u3001\u540c\u793e\u306f\u624b\u7d9a\u304d\u3092\u9032\u3081\u308b\u524d\u306b\u9023\u90a6\u9280\u884c\u306e\u8a31\u53ef\u3092\u6c42\u3081\u308b\u3088\u3046\u7c73\u56fd\u653f\u5e9c\u304b\u3089\u5727\u529b\u3092\u304b\u3051\u3089\u308c\u307e\u3057\u305f\u3002\u9a5a\u304f\u306b\u5024\u3057\u307e\u305b\u3093\u3002\u4f55\u767e\u4e07\u3068\u3044\u3046\u4eba\u3005\u304c\u65e2\u5b58\u306e\u9280\u884c\u304b\u3089\u9810\u91d1\u3092\u5f15\u304d\u51fa\u3059\u53ef\u80fd\u6027\u304c\u3042\u308b\u3053\u3068\u306f\u3001\u53d6\u308a\u8fd4\u3057\u306e\u3064\u304b\u306a\u3044\u307b\u3069\u306e\u5927\u304d\u306a\u30c0\u30e1\u30fc\u30b8\u3092\u4e16\u754c\u7d4c\u6e08\u306b\u4e0e\u3048\u308b\u3068\u8003\u3048\u308c\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u5c0f\u58f2\u5927\u624b\u306eAmazon\u306f\u30012\u3064\u306e\u8aa4\u3063\u305f\u30b9\u30bf\u30fc\u30c8\u3092\u304f\u3050\u308a\u629c\u3051\u307e\u3057\u305f\u30022016\u5e74\u306b\u958b\u59cb\u3055\u308c\u305f\u7c73\u56fd\u306e\u5b66\u751f\u30ed\u30fc\u30f3\u5236\u5ea6\u306f\u3001\u512a\u5148\u9867\u5ba2\u306b\u5bfe\u3057\u30660.5%\u306e\u878d\u8cc7\u5f15\u304d\u4e0b\u3052\u3092\u7d04\u675f\u3057\u3066\u3044\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u3053\u308c\u306f\u7d50\u679c\u3068\u3057\u3066\u77ed\u547d\u306e\u3082\u306e\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u5236\u5ea6\u304c\u653e\u68c4\u3055\u308c\u305f\u6642\u3001\u3053\u306e\u6848\u4ef6\u306f\u7c73\u56fd\u306e\u898f\u5236\u5f53\u5c40\u3067\u3042\u308b\u7c73\u6d88\u8cbb\u8005\u91d1\u878d\u4fdd\u8b77\u5c40\uff08CFPB\uff09\u3068\u7c73\u901a\u8ca8\u76e3\u7763\u5e81\uff08OCC\uff09\u306b\u3088\u308a\u8abf\u67fb\u3055\u308c\u307e\u3057\u305f\u3002\u305d\u3057\u30662019\u5e74\u3001Amazon\u306f\u898f\u5236\u4e0a\u306e\u61f8\u5ff5\u304c\u3042\u308b\u3068\u6295\u8cc7\u5bb6\u306b\u8ff0\u3079\u3001\u72ec\u81ea\u306e\u5f53\u5ea7\u9810\u91d1\u53e3\u5ea7\u3092\u958b\u8a2d\u3059\u308b\u8a08\u753b\u3092\u65ad\u5ff5\u3057\u305f\u306e\u3067\u3059\u3002<\/p>\n<p>Google\u3082\u554f\u984c\u3092\u62b1\u3048\u3066\u3044\u307e\u3057\u305f\u3002\u691c\u7d22\u3068\u691c\u7d22\u30d9\u30fc\u30b9\u306e\u5e83\u544a\u3092\u72ec\u5360\u7684\u306b\u4fdd\u6301\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u61f8\u5ff5\u304b\u3089\u3001\u7c73\u56fd\u53f8\u6cd5\u7701\u304c\u72ec\u7981\u6cd5\u306e\u8a34\u8a1f\u3092\u8d77\u3053\u3059\u3068\u3044\u3046\u4e8b\u614b\u306b\u306a\u3063\u305f\u306e\u3067\u3059\u3002\u5f53\u8a18\u4e8b\u306e\u57f7\u7b46\u6642\u70b9\u3067\u3001\u3053\u306e\u8a34\u8a1f\u306f\u9032\u884c\u4e2d\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u7cbe\u67fb\u304c\u884c\u308f\u308c\u308b\u3053\u3068\u306f\u7c73\u56fd\u306b\u9650\u3063\u305f\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u82f1\u56fd\u3067\u306f\u3001\u65b0\u305f\u306a\u6280\u8853\u898f\u5236\u6a5f\u95a2\u3067\u3042\u308b\u7af6\u4e89\u30fb\u5e02\u5834\u5e81\uff08CMA\uff09\u304c\u30c7\u30b8\u30bf\u30eb\u5e02\u5834\u30e6\u30cb\u30c3\u30c8\u3092\u7acb\u3061\u4e0a\u3052\u3001Google\u3084Facebook\u306a\u3069\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u691c\u7d22\u3084\u30bd\u30fc\u30b7\u30e3\u30eb\u30e1\u30c7\u30a3\u30a2\u306e\u72ec\u5360\u6027\u3092\u8abf\u67fb\u3057\u3066\u3044\u307e\u3059\u3002\u82f1\u56fd\u306e\u30d3\u30b8\u30cd\u30b9\u9577\u5b98\u30a2\u30ed\u30af\u30fb\u30b7\u30e3\u30fc\u30de\u306f\u3001\u65b0\u3057\u3044\u300c\u7af6\u4e89\u4fc3\u9032\u4f53\u5236\u300d\u306e\u4e0b\u3067\u306f\u3001\u5c0f\u898f\u6a21\u306a\u30c6\u30c3\u30af\u4f01\u696d\u304c\u300c\u306f\u3058\u304d\u51fa\u3055\u308c\u308b\u300d\u3053\u3068\u304c\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u3068\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a><\/p>\n<p>\u3053\u308c\u3089\u306e\u4e8b\u67c4\u306f\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\u4f1a\u793e\u300111:FS\u306e\u30b5\u30e9\u30fb\u30b3\u30b7\u30a2\u30f3\u30b9\u30ad\u304c\u3001\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u4f01\u696d\u306f\u5b8c\u5168\u306a\u8cb8\u3057\u624b\u306b\u306a\u308b\u3088\u308a\u3082\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u4e8b\u696d\u8005\u3068\u306e\u63d0\u643a\u3092\u5e0c\u671b\u3057\u3066\u3044\u308b\u3001\u3068\u4e3b\u5f35\u3059\u308b\u7406\u7531\u3092\u88dc\u5f37\u3059\u308b\u3082\u306e\u3067\u3059\u3002\u300c<em>\u9280\u884c\u306e\u55b6\u696d\u8a31\u53ef\u3092\u53d6\u5f97\u3057\u3066\u7dad\u6301\u3059\u308b\u3068\u3044\u3046\u56f0\u96e3\u306f\u3001\u30ea\u30b9\u30af\u304c\u3042\u307e\u308a\u306b\u3082\u5927\u304d\u3044\u3068\u8003\u3048\u3089\u308c\u308b\u3060\u308d\u3046\u300d<\/em>\u3068\u5f7c\u5973\u306f\u8ff0\u3079\u307e\u3059\u3002<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a><\/p>\n<p>\u78ba\u304b\u306b\u3001\u5bfe\u7acb\u3067\u306f\u306a\u304f\u5354\u529b\u3053\u305d\u304c\u672a\u6765\u306a\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u305d\u306e\u305f\u3081\u3001Apple\/\u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9\u3068Google\/\u30b7\u30c6\u30a3\u30d0\u30f3\u30af\u306e\u9023\u643a\u304c\u6ce8\u76ee\u3055\u308c\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u9023\u643a\u3059\u308b\u3053\u3068\u304c\u3001\u6280\u8853\u9769\u65b0\u3068\u696d\u754c\u4f53\u9a13\u306e\u878d\u5408\u3092\u5358\u72ec\u3067\u76ee\u6307\u3059\u3088\u308a\u3082\u5927\u304d\u306a\u53ef\u80fd\u6027\u3092\u79d8\u3081\u3066\u3044\u308b\u3053\u3068\u3092\u3001\u4ed6\u306e\u591a\u304f\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3082\u540c\u69d8\u306b\u793a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30c6\u30c3\u30af\u306e\u30b9\u30da\u30b7\u30e3\u30ea\u30b9\u30c8\u3067\u3042\u308bParsyl\u304cLloyd\u306e\u4fdd\u967a\u5e02\u5834\u3068\u63d0\u643a\u3057\u3001\u65b0\u3057\u3044\u8ca8\u7269\u4fdd\u967a\u5546\u54c1\u3092\u8003\u6848\u3057\u305f\u306e\u306f\u305d\u306e\u4e00\u4f8b\u3067\u3059\u3002\u3053\u306e\u5546\u54c1\u306b\u306fParsyl\u306e\u5c02\u9580\u30bb\u30f3\u30b5\u30fc\u3092\u4f7f\u7528\u3057\u4fdd\u7ba1\u3084\u8f38\u9001\u72b6\u6cc1\u3092\u30e2\u30cb\u30bf\u30fc\u3057\u307e\u3059\u3002\u30ea\u30b9\u30af\u3092\u8ef8\u3068\u3057\u3066\u4e3b\u306b\u6a5f\u80fd\u3057\u3066\u3044\u308b\u4fdd\u967a\u306e\u3088\u3046\u306a\u696d\u754c\u3067\u306f\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u78ba\u5b9f\u6027\u3068\u3044\u3046\u56f0\u96e3\u306a\u63a2\u6c42\u306e\u5bfe\u8c61\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002<\/p>\n<p>\u4ed6\u65b9\u3067\u3001Google\u306f\u30c9\u30a4\u30c4\u9280\u884c\u306810\u5e74\u9593\u306e\u63d0\u643a\u3092\u7d50\u3073\u3001\u30c9\u30a4\u30c4\u9280\u884c\u306e\u696d\u52d9\u306e\u30c7\u30b8\u30bf\u30eb\u5316\u3092\u53ef\u80fd\u306b\u3059\u308b\u3068\u540c\u6642\u306b\u3001\u5168\u4f53\u306e\u9280\u884c\u90e8\u9580\u3067\u4ed6\u306e\u65b0\u3057\u3044\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3078\u3082\u5171\u540c\u3067\u6295\u8cc7\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u89b3\u70b9\u304b\u3089\u306f\u3001\u9280\u884c\u304c\u5358\u72ec\u3067\u30c6\u30c3\u30af\u4f01\u696d\u306b\u5bfe\u6297\u3067\u304d\u306a\u3044\u306e\u3067\u3042\u308c\u3070\u3001\u9280\u884c\u306f\u52dd\u3061\u306b\u3044\u304f\u3088\u308a\u3082\u3001\u30c6\u30c3\u30af\u4f01\u696d\u3068\u7d44\u3093\u3060\u65b9\u304c\u826f\u3044\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u73fe\u5728\u306e\u6280\u8853\u958b\u767a\u306e\u901f\u5ea6\u3092\u8003\u3048\u308b\u3068\u3001\u3053\u306e\u3088\u3046\u306a\u4e92\u6075\u7684\u306a\u5354\u529b\u95a2\u4fc2\u3092\u7bc9\u304f\u3053\u3068\u306f\u3001\u65e2\u5b58\u306e\u4e8b\u696d\u8005\u306b\u3068\u3063\u3066\u552f\u4e00\u3001\u8ca1\u653f\u7684\u306b\u7dad\u6301\u3067\u304d\u308b\u6226\u7565\u3067\u3042\u308b\u3068\u8a00\u3048\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<h2>\u6280\u8853\u9769\u65b0\u306e\u9a5a\u7570\u7684\u306a\u30b9\u30d4\u30fc\u30c9<\/h2>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-83095\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/Fintech-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-300x200.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-1024x683.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-150x100.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-768x512.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-1536x1024.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\u4e16\u754c\u7d4c\u6e08\u30d5\u30a9\u30fc\u30e9\u30e0\u3067\u306f\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306f\u65e2\u306b\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u30ad\u30e3\u30c3\u30c1\u30a2\u30c3\u30d7\u3092\u9054\u6210\u3057\u307e\u3057\u305f\u3002\u3053\u3053\u3067\u306f\u30012019\u5e74\u306e\u6642\u70b9\u3067\u3001\u7c73\u56fd\u306e\u9280\u884c\u306e43%\u304c\u307e\u3060\u534a\u4e16\u7d00\u4ee5\u4e0a\u3082\u524d\u306e\u30b3\u30fc\u30c7\u30a3\u30f3\u30b0\u8a00\u8a9e\u3067\u3042\u308bCOBOL\u3092\u4f7f\u7528\u3057\u3066\u3044\u308b\u3068\u8ff0\u3079\u3089\u308c\u305f\u306e\u3067\u3059\u3002<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a>WEF\u306f\u3001\u61f8\u5ff5\u3059\u3079\u304d\u307b\u3069\u591a\u304f\u306e\u6570\u306e\u7d4c\u55b6\u8005\u306b\u3068\u3063\u3066\u3001\u65b0\u8208\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3068\u5177\u4f53\u7684\u306a\u30d3\u30b8\u30cd\u30b9\u306e\u6210\u679c\u3068\u306e\u95a2\u9023\u6027\u304c\u4f9d\u7136\u3068\u3057\u3066\u66d6\u6627\u3060\u3068\u8a00\u660e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306a\u53cd\u52d5\u7684\u306a\u80cc\u666f\u306b\u304a\u3044\u3066\u3001\u4e00\u9023\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u304c\u540c\u6642\u306b\u6210\u719f\u3057\u3064\u3064\u3042\u308a\u3001\u305d\u308c\u3089\u306f\u4e00\u4f53\u3068\u306a\u3063\u3066\u9280\u884c\u3084\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u696d\u754c\u3092\u6839\u672c\u7684\u306b\u5909\u9769\u3059\u308b\u529b\u3092\u79d8\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3067\u306f\u3001\u30e1\u30ea\u30c3\u30c8\u3092\u6319\u3052\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<ul>\n<li><em>\u4eba\u5de5\u77e5\u80fd\u306f\u3001<\/em>\u30b3\u30b9\u30c8\u524a\u6e1b\u3084\u6295\u8cc7\u3092\u4e88\u6e2c\u3059\u308b\u4e0a\u3067\u3001\u30d3\u30b8\u30cd\u30b9\u5168\u4f53\u306b\u308f\u305f\u308b\u6226\u7565\u7684\u30c4\u30fc\u30eb\u3068\u306a\u308b\u53ef\u80fd\u6027\u3092\u63d0\u4f9b<\/li>\n<li><em>\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u91cf\u5b50\u30b3\u30f3\u30d4\u30e5\u30fc\u30c6\u30a3\u30f3\u30b0<\/em>\u306b\u3088\u308a\u3001\u696d\u754c\u306e\u8a08\u7b97\u696d\u52d9\u306b\u65b0\u305f\u306a\u30b9\u30d4\u30fc\u30c9\u3068\u7cbe\u5ea6\u30ec\u30d9\u30eb\u3092\u5b9f\u73fe<\/li>\n<li><em>\u30d6\u30ed\u30c3\u30af\u30c1\u30a7\u30fc\u30f3<\/em>\u5206\u6563\u578b\u53f0\u5e33\u6280\u8853\uff08DLT\uff09\u306f\u3001\u81a8\u5927\u306a\u30e9\u30a4\u30d6\u30c7\u30fc\u30bf\u3092\u7570\u306a\u308b\u30d3\u30b8\u30cd\u30b9\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u9593\u3067\u5171\u6709\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u6c7a\u6e08\u3084\u4e0d\u52d5\u7523\u53d6\u5f15\u304b\u3089\u533b\u7642\u60c5\u5831\u3001\u30b5\u30d7\u30e9\u30a4\u30c1\u30a7\u30fc\u30f3\u307e\u3067\u3001\u3042\u3089\u3086\u308b\u7a2e\u985e\u306e\u30a4\u30f3\u30bf\u30e9\u30af\u30b7\u30e7\u30f3\u306b\u9769\u547d\u3092\u3082\u305f\u3089\u3059<\/li>\n<li><em>\u4eee\u60f3\u73fe\u5b9f\u3084\u62e1\u5f35\u73fe\u5b9f\u306b\u3088\u308a<\/em>\u3001\u9867\u5ba2\u304c\u60c5\u5831\u3092\u5165\u624b\u3057\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u305f\u3081\u306e\u652f\u6255\u3044\u65b9\u6cd5\u3092\u5909\u5bb9<\/li>\n<li><em>\u30e2\u30ce\u306e\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8<\/em>\uff08IoT\uff09\u306f\u3001\u30ed\u30b8\u30b9\u30c6\u30a3\u30af\u30b9\u3068\u30e2\u30d3\u30ea\u30c6\u30a3\u306e\u5206\u91ce\u3067\u3001\u4eca\u307e\u3067\u306b\u306a\u3044\u307b\u3069\u306e\u91cf\u306e\u30e9\u30a4\u30d6\u30c7\u30fc\u30bf\u3068\u30b3\u30f3\u30c6\u30af\u30b9\u30c8\u30c7\u30fc\u30bf\u3092\u63d0\u4f9b<\/li>\n<li><em>5G\u30c6\u30af\u30ce\u30ed\u30b8\u30fc<\/em>\u306f\u3001\u9060\u9694\u52e4\u52d9\u306e\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3092\u6539\u5584\u3057\u3001IoT\u5168\u4f53\u3067\u81ea\u5f8b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u8abf\u6574<\/li>\n<li><em>\u30af\u30e9\u30a6\u30c9\u30b3\u30f3\u30d4\u30e5\u30fc\u30c6\u30a3\u30f3\u30b0<\/em>\u306f\u30ea\u30e2\u30fc\u30c8\u30fb\u30ea\u30dd\u30b8\u30c8\u30ea\u3092\u63d0\u4f9b\u3057\u3001\u591a\u69d8\u306a\u8a08\u7b97\u80fd\u529b\u3092\u6301\u3061\u3001\u305d\u3046\u9060\u304f\u306a\u3044\u3046\u3061\u306b\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u696d\u754c\u306eIT\u652f\u51fa\u306e\u7d04\u534a\u5206\u3092\u5360\u3081\u308b\u3088\u3046\u306b\u306a\u308b<\/li>\n<\/ul>\n<p><em>\u300c\u3053\u308c\u3089\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u3001\u79c1\u305f\u3061\u306e\u751f\u6d3b\u3092\u81ea\u52d5\u5316\u3059\u308b\u3001\u4eca\u307e\u3067\u4ee5\u4e0a\u306b\u7d71\u5408\u3055\u308c\u305f\u4f53\u9a13\u3078\u306e\u6249\u3092\u958b\u304f\u3067\u3057\u3087\u3046\u3002\u6d88\u8cbb\u8005\u81ea\u8eab\u306e\u601d\u8003\u3084\u610f\u601d\u6c7a\u5b9a\u306f\u307b\u3068\u3093\u3069\u5fc5\u8981\u3068\u305b\u305a\u306b\u3067\u3059\u300d<\/em>\u3068<a href=\"https:\/\/alj.com\/ja\/financial-services\/\">\u30cb\u30eb\u30d5\u30a1\u30fc\u30fb\u30ae\u30e5\u30f3\u30cf\u30f3<\/a>\u306f\u8aac\u660e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u3089\u306e\u65b0\u305f\u306a\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u53ef\u80fd\u6027\u3092\u719f\u77e5\u3057\u3001\u3069\u306e\u3088\u3046\u306b\u8abf\u548c\u3057\u3066\u4f5c\u7528\u3059\u308b\u304b\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u304c\u3001\u91d1\u878d\u4f1a\u793e\u306b\u3068\u3063\u3066\u6210\u529f\u306e\u9375\u3068\u306a\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>WEF\u306f\u3001\u3053\u308c\u3089\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u3046\u30612\u3064\u304c\u3001\u4ed6\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u7d44\u7e54\u7684\u306b\u958b\u653e\u3059\u308b\u3082\u306e\u3067\u3042\u308b\u3053\u3068\u3001\u3088\u3063\u3066\u3001\u6700\u3082\u7dca\u6025\u306e\u8cc7\u91d1\u63d0\u4f9b\u3092\u53d7\u3051\u308b\u3079\u304d\u3067\u3042\u308b\u3053\u3068\u3092\u660e\u78ba\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-83081\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Unlocking-Pathways.jpg\" alt=\"ALJ Financial Services Unlocking Pathways\" width=\"2560\" height=\"1337\" \/><\/p>\n<p>\u6b21\u306e\u3088\u3046\u306b\u8aac\u660e\u3057\u3066\u3044\u307e\u3059\uff1a\u300c<em>AI\u3084\u30af\u30e9\u30a6\u30c9\u30b3\u30f3\u30d4\u30e5\u30fc\u30c6\u30a3\u30f3\u30b0\u3078\u306e\u6295\u8cc7\u3092\u5b9a\u7740\u3055\u305b\u3001\u4ed6\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u3053\u308c\u3089\u306e\u6295\u8cc7\u306b\u3088\u308a\u5177\u4f53\u7684\u306b\u53ef\u80fd\u306b\u306a\u308b\u3082\u306e\u3068\u3057\u3066\u6349\u3048\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u91cd\u8981\u306a\u30d3\u30b8\u30cd\u30b9\u306b\u95a2\u3059\u308b\u554f\u984c\u3092\u89e3\u6c7a\u3059\u308b\u305f\u3081\u306b\u3001\u6700\u3082\u91cd\u8981\u306a\u65b0\u8208\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u30af\u30e9\u30b9\u30bf\u30fc\u306b\u3001\u3088\u308a\u7c21\u5358\u306b\u30a2\u30af\u30bb\u30b9\u3057\u3066\u5b9f\u88c5\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002<\/em>\u300d<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a><\/p>\n<h2>\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u306f\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u4e3b\u5c0e\u6a29\u4e89\u3044\u3067\u751f\u304d\u6b8b\u308b\u3053\u3068\u304c\u3067\u304d\u308b<\/h2>\n<p>\u30d3\u30b8\u30cd\u30b9\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\u4f1a\u793e\u306ePwC\u306f\u6b21\u306e\u3088\u3046\u306b\u5831\u544a\u3057\u3066\u3044\u307e\u3059\u3002\u6b21\u4e16\u4ee3\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306f\u3001\u65e2\u5b58\u306e\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u4f01\u696d\u3060\u3051\u306e\u3082\u306e\u3067\u306f\u306a\u304f\u3001\u65b0\u898f\u53c2\u5165\u4f01\u696d\u306b\u9053\u3092\u958b\u304f\u304b\u3001\u5c11\u306a\u304f\u3068\u3082\u3001\u7279\u5b9a\u306e\u9769\u65b0\u7684\u306a\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3084\u30d7\u30ed\u30bb\u30b9\u3092\u6d3b\u7528\u3059\u308b\u306e\u306b\u5341\u5206\u306a\u6d1e\u5bdf\u529b\u3092\u6301\u3063\u305f\u4eba\u305f\u3061\u306e\u305f\u3081\u306b\u3001\u9053\u3092\u958b\u304f\u3060\u308d\u3046\u3001\u3068\u3002<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a><\/p>\n<p>\u30c6\u30c3\u30af\u30d3\u30b8\u30cd\u30b9\u30ea\u30fc\u30c0\u30fc\u3092\u5bfe\u8c61\u3068\u3057\u305f\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001PwC\u306f2020\u5e74\u306b\u306f\u65e2\u5b58\u306e\u9280\u884c\u30fb\u6c7a\u6e08\u4e8b\u696d\u306e\u6700\u592728%\u304c\u300c\u5371\u967a\u306b\u3055\u3089\u3055\u308c\u308b\u300d\u3068\u4e88\u6e2c\u3055\u308c\u3001\u4fdd\u967a\u3001\u8cc7\u7523\u904b\u7528\u3001\u8cc7\u7523\u7ba1\u7406\u4e8b\u696d\u306e\u6700\u592722%\u304c\u300c\u5371\u967a\u306b\u3055\u3089\u3055\u308c\u308b\u300d\u3068\u4e88\u6e2c\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u660e\u3089\u304b\u306b\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u8d77\u696d\u5bb6\u7684\u306a\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u306e\u4f59\u88d5\u304c\u307e\u3060\u3042\u308b\u5834\u5408\uff08\u30a8\u30d3\u30c7\u30f3\u30b9\u306f\u305d\u3046\u3067\u3042\u308b\u3053\u3068\u3092\u793a\u3057\u3066\u3044\u307e\u3059\uff09\u3001\u30cb\u30c3\u30c1\u306a\u4fa1\u5024\u63d0\u6848\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u3044\u308b\u4eba\u306b\u5c06\u6765\u3078\u306e\u9053\u304c\u958b\u3051\u308b\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u4f8b\u3048\u3070Google\u304c\u691c\u7d22\u30a8\u30f3\u30b8\u30f3\u306e\u672c\u5bb6\u672c\u5143\u3067\u3042\u308b\u3053\u3068\u306b\u5909\u308f\u308a\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u4ed6\u306e\u691c\u7d22\u306e\u65b0\u8208\u4f01\u696d\u306f\u904e\u53bb2\u5e74\u9593\u30677\u5104\u30c9\u30eb\u8fd1\u304f\u306e\u8cc7\u91d1\u8abf\u9054\u306b\u6210\u529f\u3057\u3066\u3044\u307e\u3059\u3002<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a>\u307b\u3068\u3093\u3069\u306e\u5834\u5408\u3001\u88dc\u52a9\u7684\u306a\u5206\u91ce\u306b\u7740\u76ee\u3057\u305f\u308a\u30b3\u30a2\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u958b\u767a\u3059\u308b\u3053\u3068\u3067\u3053\u308c\u3092\u5b9f\u73fe\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070Algolia\u306f\u3001\u4f01\u696d\u304c\u81ea\u793e\u306e\u30a6\u30a7\u30d6\u30b5\u30a4\u30c8\u306b\u3064\u3044\u3066\u3088\u308a\u9ad8\u901f\u3067\u76f4\u611f\u7684\u306a\u691c\u7d22\u6a5f\u80fd\u3092\u958b\u767a\u3059\u308b\u306e\u3092\u652f\u63f4\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u30d9\u30f3\u30c1\u30e3\u30fc\u30ad\u30e3\u30d4\u30bf\u30eb\u304b\u30891\u51048,400\u4e07\u7c73\u30c9\u30eb\u306e\u8cc7\u91d1\u3092\u8abf\u9054\u3057\u307e\u3057\u305f\u3002\u4f01\u696d\u304c\u30bd\u30fc\u30b7\u30e3\u30eb\u30e1\u30c7\u30a3\u30a2\u3084\u691c\u7d22\u30c4\u30fc\u30eb\u5185\u3067\u306e\u8a8d\u77e5\u3092\u30e2\u30cb\u30bf\u30fc\u3057\u3001\u6539\u5584\u3059\u308b\u306e\u3092\u88dc\u52a9\u3059\u308bReputation.com\u306f\u30011\u51041,700\u4e07\u7c73\u30c9\u30eb\u3092\u96c6\u3081\u307e\u3057\u305f\u3002Google\u304c\u5927\u898f\u6a21\u30b5\u30a4\u30c8\u306e\u30b3\u30f3\u30c6\u30f3\u30c4\u306e\u7d04\u534a\u5206\u3092\u898b\u843d\u3068\u3057\u3066\u3057\u307e\u3046\u554f\u984c\u3092\u4fee\u6b63\u3059\u308b\u305f\u3081\u306b\u3001Botify\u306f2,000\u4e07\u7c73\u30c9\u30eb\u306e\u8cc7\u91d1\u3092\u78ba\u4fdd\u3057\u3001\u307e\u305f\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u3092\u512a\u5148\u3059\u308b\u691c\u7d22\u30a8\u30f3\u30b8\u30f3DuckDuckGo\u306f1,300\u4e07\u7c73\u30c9\u30eb\u3092\u8abf\u9054\u3057\u307e\u3057\u305f\u3002<\/p>\n<p><em><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-83109\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/Digital-Security-300x169.jpg\" alt=\"Digital Security\" width=\"300\" height=\"169\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security-300x169.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security-150x84.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security-226x126.jpg 226w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security.jpg 608w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc<\/em>\u304c\u6ce8\u76ee\u3059\u3079\u304d\u6d41\u884c\u8a9e\u306e\u4e00\u3064\u3067\u3042\u308b\u5834\u5408\u3001\u305d\u308c\u306b\u8fd1\u3044\u3082\u306e\u3068\u3057\u3066<em>\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3<\/em>\u3082\u542b\u307e\u308c\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>PwC\u306e\u8abf\u67fb\u306f\u3001\u91d1\u878d\u6a5f\u95a2\u304c\u76f4\u9762\u3059\u308b\u6700\u5927\u306e\u8ab2\u984c\u306e\u4e00\u3064\u3067\u3042\u308b\u30b5\u30a4\u30d0\u30fc\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306b\u5149\u3092\u5f53\u3066\u307e\u3057\u305f\u3002<\/p>\n<p>\u91d1\u878d\u6a5f\u95a2\u306eCEO\u306e10\u4eba\u306b7\u4eba\u8fd1\u304f\u304c\u3001\u305d\u3057\u3066\u3059\u3079\u3066\u306e\u30bb\u30af\u30bf\u30fc\u5168\u4f53\u3067\u306fCEO\u306e61%\u304c\u30b5\u30a4\u30d0\u30fc\u306e\u8105\u5a01\u306b\u3064\u3044\u3066\u306e\u61f8\u5ff5\u3092\u5831\u544a\u3057\u3066\u3044\u307e\u3059\u3002<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a><\/p>\n<p>\u3053\u306e\u554f\u984c\u306f\u3001\u7b2c\u4e09\u8005\u30d9\u30f3\u30c0\u30fc\u306e\u5229\u7528\u306e\u5897\u52a0\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5909\u5316\u306e\u30b9\u30d4\u30fc\u30c9\u306e\u901f\u3055\u3001\u5897\u5927\u3059\u308b\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30c7\u30fc\u30bf\u306e\u4ea4\u63db\u91cf\u3001\u9ad8\u307e\u308b\u9867\u5ba2\u306e\u30e2\u30d0\u30a4\u30eb\u30fb\u30a2\u30d7\u30ea\u3078\u306e\u4f9d\u5b58\u5ea6\u306a\u3069\u306b\u3088\u308a\u3001\u4eca\u5f8c\u6570\u5e74\u3067\u96ea\u3060\u308b\u307e\u5f0f\u306b\u62e1\u5927\u3059\u308b\u3068\u4e88\u6e2c\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u305d\u306e\u305f\u3081\u3001\u4eee\u540d\u5316\u3001\u30d5\u30a9\u30fc\u30de\u30c3\u30c8\u4fdd\u6301\u6697\u53f7\u5316\uff08FPE\uff09\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\uff08\u500b\u4eba\u60c5\u5831\u4fdd\u8b77\u3001\u6cd5\u4ee4\u9806\u5b88\u3092\u53ef\u80fd\u306b\u3057\u306a\u304c\u3089\u3001\u696d\u52d9\u30d7\u30ed\u30bb\u30b9\u306b\u6709\u7528\u306a\u30c7\u30fc\u30bf\u3092\u4fdd\u5b58\u3059\u308b\u305f\u3081\u306b\u4f7f\u7528\uff09\u3092\u63d0\u4f9b\u3059\u308b\u4f01\u696d\u306f\u3001\u7af6\u4e89\u4e0a\u306e\u512a\u4f4d\u6027\u3092\u6301\u3064\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306e\u6700\u4e2d\u3067\u3082\u3001\u6b27\u5dde\u306e\u8cb8\u3057\u624b\u306f\u3001\u4f8b\u5e74\u306b\u6bd4\u3079\u3066\u5272\u5408\u306f\u4f4e\u3044\u3082\u306e\u306e\u3001\u30c6\u30c3\u30af\u7cfb\u65b0\u8208\u4f01\u696d\u306b\u5bfe\u3059\u308b\u6295\u8cc7\u3092\u7d99\u7d9a\u3057\u3066\u3044\u307e\u3059\u3002<a href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a>2020\u5e74\u4e0a\u534a\u671f\u306b\u306f\u30012019\u5e74\u4e0a\u534a\u671f\u306e56\u5104\u30e6\u30fc\u30ed\u306b\u5bfe\u3057\u3066\u3001\u6b27\u5dde\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u306b\u5bfe\u3057\u3066\u306f38\u5104\u30e6\u30fc\u30ed\u306e\u30d9\u30f3\u30c1\u30e3\u30fc\u30ad\u30e3\u30d4\u30bf\u30eb\u304c\u6295\u5165\u3055\u308c\u307e\u3057\u305f\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-83074\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Global-Venture.jpg\" alt=\"ALJ Financial Services Global Venture\" width=\"2560\" height=\"2226\" \/><\/p>\n<p>\u4f8b\u3048\u3070\u3001\u30c9\u30a4\u30c4\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u300cSolarisbank\u300d\u306f\u30d7\u30ea\u30da\u30a4\u30c9\u30ab\u30fc\u30c9\u3084\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3082\u63d0\u4f9b\u3057\u3066\u3044\u308b\u9280\u884c\u306e\u30a4\u30f3\u30d5\u30e9\u4e8b\u696d\u8005\u3067\u3059\u304c\u3001\u5f53\u793e\u306f1\u5ea6\u306b6,000\u4e07\u30e6\u30fc\u30ed\u306e\u8cc7\u91d1\u3092\u8abf\u9054\u3057\u307e\u3057\u305f\u3002\u3055\u3089\u306b\u3001\u30c9\u30a4\u30c4\u306e\u65b0\u8208\u4f01\u696d\uff08\u4fe1\u7528\u5ea6\u63a1\u70b9\u306e\u30b9\u30da\u30b7\u30e3\u30ea\u30b9\u30c8\u3067\u3042\u308bForteil GmbH\uff09\u306f\u3001Santander\u304b\u3089\u8cc7\u91d1\u63f4\u52a9\u3092\u53d7\u3051\u3001\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u4e8b\u696d\u8005\u3067\u3042\u308b\u82f1\u56fd\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3001Meniga\u306f\u3001Caixa Central de Cr\u00e9dito Agr\u00edcola 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BPCE\u304b\u3089850\u4e07\u30e6\u30fc\u30ed\u306e\u8cc7\u91d1\u63f4\u52a9\u3092\u53d7\u3051\u307e\u3057\u305f\u3002<\/p>\n<p>\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306e\u3088\u3046\u306a\u3081\u3063\u305f\u306b\u306a\u3044\u5371\u6a5f\u306b\u969b\u3057\u3066\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u4f01\u696d\u306b\u3068\u3063\u3066\u306f\u3001\u4fe1\u7528\u3068\u8cc7\u91d1\u8abf\u9054\u304c\u660e\u78ba\u306b\u6b8b\u3063\u3066\u3044\u307e\u3059\u3002\u5c06\u6765\u306e\u30c8\u30ec\u30f3\u30c9\u3092\u4e88\u6e2c\u3057\u3001\u5bfe\u5fdc\u3057\u3001\u660e\u65e5\u306e\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u306e\u30a8\u30ea\u30fc\u30c8\u306e\u4ef2\u9593\u5165\u308a\u3092\u3059\u308b\u306b\u306f\u3001\u3053\u306e\u3088\u3046\u306a\u82e5\u3005\u3057\u304f\u4fca\u654f\u306a\u30a2\u30a6\u30c8\u30d5\u30a3\u30c3\u30c8\u304c\u6700\u9069\u306a\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<h2>\u91d1\u878d\u306e\u672a\u6765\u306b\u6295\u8cc7\u3059\u308b\u7406\u7531<\/h2>\n<p>\u65b0\u3057\u3044\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u30d1\u30e9\u30c0\u30a4\u30e0\u306f\u3001\u4ee5\u4e0b\u306b\u793a\u3059\u3088\u3046\u306b\u3059\u3079\u3066\u306e\u30ec\u30d9\u30eb\u306e\u30d7\u30ec\u30fc\u30e4\u30fc\u306b\u6a5f\u4f1a\u3092\u3082\u305f\u3089\u3057\u307e\u3059\u3002\u9867\u5ba2\u306e\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3\u30fc\u3068\u696d\u754c\u3067\u306e\u7d4c\u9a13\u3092\u6d3b\u304b\u3057\u305f\u3001\u9280\u884c\u696d\u754c\u306e\u30d9\u30c6\u30e9\u30f3\u3001\u6700\u5148\u7aef\u306e\u30b7\u30b9\u30c6\u30e0\u3092\u30cb\u30e5\u30a2\u30f3\u30b9\u3088\u304f\u628a\u63e1\u3057\u3066\u3044\u308b\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u3001\u9769\u65b0\u6027\u30fb\u9069\u5fdc\u6027\u30fb\u65b0\u898f\u30d9\u30f3\u30c1\u30e3\u30fc\u30ad\u30e3\u30d4\u30bf\u30eb\u3092\u5f15\u304d\u4ed8\u3051\u308b\u305f\u3081\u306e\u80fd\u529b\u3092\u6301\u3064\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u4f01\u696d\u3002<\/p>\n<p>\u71b1\u72c2\u7684\u3067\u975e\u5e38\u306b\u901f\u304f\u52d5\u304f\u5e02\u5834\u3067\u7af6\u4e89\u304b\u3089\u306f\u7a0b\u9060\u3044\u3068\u3053\u308d\u3067\u3001\u3053\u308c\u307e\u3067\u306e\u7d4c\u9a13\u304c\u793a\u5506\u3059\u308b\u306e\u306f\u3001\u6700\u3082\u5f37\u529b\u306a\u5909\u9769\u7684\u306a\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u304c\u5b9f\u969b\u306b\u306f\u3001\u3053\u308c\u3089\u306e\u3055\u307e\u3056\u307e\u306a\u30d7\u30ec\u30fc\u30e4\u30fc\u306e\u591a\u69d8\u306a\u5f37\u307f\u3092\u6d3b\u7528\u3057\u305f\u30b3\u30e9\u30dc\u30ec\u30fc\u30b7\u30e7\u30f3\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306a\u30a8\u30ad\u30b5\u30a4\u30c6\u30a3\u30f3\u30b0\u306a\u6642\u4ee3\u306b\u3001\u30a2\u30d6\u30c9\u30a5\u30eb\u30fb\u30e9\u30c6\u30a3\u30d5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\u306e\u3088\u3046\u306a\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u6295\u8cc7\u5bb6\u306f\u3001<a href=\"https:\/\/www.alj.com\/en\/financial-services\/\">\u91d1\u878d\u30b5\u30fc\u30d3\u30b9<\/a>\u3084<a href=\"https:\/\/aljinsurance.com\/\">\u4fdd\u967a<\/a>\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3<a href=\"https:\/\/www.alj.com\/en\/perspective\/pioneering-risk-insurance-solutions-to-enable-growth\/\">\u3092\u9867\u5ba2\u306b\u76f4\u63a5\u63d0\u4f9b\u3059\u308b\u65b0\u3057\u3044\u65b9\u6cd5\u3092\u898b\u3044\u3060\u3059\u3067\u3057\u3087\u3046<\/a>\u3002<\/p>\n<p>\u30ed\u30fc\u30f3\u3001\u652f\u6255\u3044\u3001\u4fdd\u967a\u3001\u8cc7\u7523\u7ba1\u7406\u304c\u65e5\u5e38\u751f\u6d3b\u306e\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u4e00\u90e8\u3068\u306a\u308b\u57cb\u3081\u8fbc\u307f\u578b\u91d1\u878d\u306e\u672a\u6765\u306b\u5099\u3048\u307e\u3057\u3087\u3046\u3002\u4eca\u5f8c\u3001\u5f93\u6765\u306e\u99b4\u67d3\u307f\u306e\u3042\u308b\u30d6\u30e9\u30f3\u30c9\u3078\u306e\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3\u30fc\u304c\u8584\u308c\u3066\u3044\u304f\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3068\u601d\u308f\u308c\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u6700\u3082\u5fc5\u8981\u3068\u3059\u308b\u3068\u304d\u306b\u63d0\u4f9b\u3055\u308c\u308b\u3001\u4fbf\u5229\u3055\u3068\u6a5f\u80fd\u6027\u3092\u5099\u3048\u305f\u91d1\u878d\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u9078\u3076\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u304f\u304b\u3089\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306a\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u5927\u8ee2\u63db\u306f\u3001\u304a\u91d1\u306e\u554f\u984c\u304c\u3055\u3089\u306b\u81ea\u52d5\u5316\u3055\u308c\u3001\u3088\u308a\u7d71\u5408\u3055\u308c\u305f\u3082\u306e\u306b\u306a\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u307e\u3059\u3002AI\u3001\u30d6\u30ed\u30c3\u30af\u30c1\u30a7\u30fc\u30f3\u30015G\u3001IoT\u3001\u4eee\u60f3\u73fe\u5b9f\u306a\u3069\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u6025\u6fc0\u306a\u6210\u9577\u306f\u3001\u52b9\u7387\u5316\u3068\u5171\u540c\u4f5c\u7528\u306e\u5927\u304d\u306a\u6ce2\u3092\u751f\u307f\u51fa\u3059\u3067\u3057\u3087\u3046\u3002\u305d\u308c\u306f\u3001\u7406\u60f3\u7684\u306b\u306f\u3001\u65e5\u3092\u8ffd\u3046\u3054\u3068\u306b\u3088\u308a\u3044\u3063\u305d\u3046\u7126\u70b9\u3092\u7d5e\u308a\u8fbc\u3080\u3053\u3068\u3067\u3059\u3002\u305d\u308c\u306f\u3001\u9867\u5ba2\u306b\u3068\u3063\u3066\u306f\u65b0\u305f\u306a\u8caf\u84c4\u3068\u306a\u308a\u3001\u30d3\u30b8\u30cd\u30b9\u306b\u3068\u3063\u3066\u306f\u65b0\u305f\u306a\u53ce\u76ca\u6e90\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p><em>\u300c\u3059\u3079\u3066\u306e\u30c7\u30b8\u30bf\u30eb\u30e6\u30fc\u30b6\u30fc\u4f53\u9a13\u306e\u80cc\u5f8c\u3067\u306f\u3001\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u3092\u4e2d\u5fc3\u3068\u3059\u308b\u6b66\u5668\u3092\u4f7f\u7528\u3057\u3066\u3001\u88fd\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u8005\u306e\u9593\u3067\u5927\u304d\u306a\u6226\u3044\u304c\u5c55\u958b\u3055\u308c\u308b\u3067\u3057\u3087\u3046\u300d<\/em>\u3068<a href=\"https:\/\/alj.com\/ja\/financial-services\/\">\u30cb\u30eb\u30d5\u30a1\u30fc\u30fb\u30ae\u30e5\u30f3\u30cf\u30f3<\/a>\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u591a\u5fd9\u306a\u6d88\u8cbb\u8005\u304b\u3089\u540d\u6848\u3092\u601d\u3044\u4ed8\u304f\u8d77\u696d\u5bb6\u3001\u5927\u624b\u9280\u884c\u306eCEO\u307e\u3067\u3001\u91d1\u878d\u5206\u91ce\u3067\u5229\u5bb3\u95a2\u4fc2\u304c\u3069\u306e\u3088\u3046\u306a\u3082\u306e\u3067\u3042\u308c\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u304c\u79c1\u305f\u3061\u306e\u793e\u4f1a\u3092\u904b\u55b6\u3059\u308b\u65b9\u6cd5\u3092\u5909\u3048\u308b\u3053\u3068\u306f\u9593\u9055\u3044\u306a\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u305d\u3053\u306b\u30b9\u30de\u30fc\u30c8\u30de\u30cd\u30fc\u304c\u5b58\u5728\u3059\u308b\u306e\u3067\u3059\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.bbc.co.uk\/news\/business-54545830\">Will we be getting our cash from shops, not ATMs? &#8211; BBC News<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf\">https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T\">https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers\">https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers<\/a>.<\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a><\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/\">https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/<\/a><\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a><\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005\">https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005<\/a><\/p>\n","protected":false},"author":18,"featured_media":83122,"template":"","tags":[428],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5909\u9769\u306b\u5099\u3048\u305f\u91d1\u878d | \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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