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海外動向から見るFintechのトレンド

 海外動向から見るFintechのトレンド

2021年12月15日に開催したフィンテックエンジニア養成勉強会#20のトーク「海外動向から見るFintechのトレンド」(Plug and Play Japan 貴志 優紀さん)の発表スライド。
https://fintech-engineer.connpass.com/event/228873/

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Transcript

  1. Strictly confidential
    ϑΟϯςοΫΤϯδχΞཆ੒ษڧձ#20


    2021೥12݄
    1

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  2. ࣗݾ঺հ
    2
    Yuki Kishi


    وࢤɹ༏ل
    ৬ྺɿ


    2008: Dresdner Kleinwortূ݊


    2009: υΠπۜߦάϧʔϓ


    2018: Plug and Play Japan (Fintech౷ׅʣ


    2020: Plug and Play Japan (Fintech + Brand&Retail౷ׅ)


    ֶྺɿϩϯυϯେֶܦࡁֶ෦ɺέϯϒϦοδେֶMBA


    ͦͷଞɿ2019೥͔ΒFintechڠձཧࣄʢελʔτΞοϓ౷ׅʣ


    Nikkei FinancialɺσδλϧΫϩε (࿈ࡌ)


    ๯಄ѫࡰ

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  3. ৘ใιʔε͸Ͳ͔͜Βʁ
    3
    ๯಄ѫࡰ
    •ɹPlug and Play ͷւ֎ڌ఺ωοτϫʔΫ


    •ɹେܕΧϯϑΝϨϯεɿMoney2020, Singapore Fintech Festival, HK Fintech Week,


    •ɹւ֎ϝσΟΞܥɿFinextra, 11FS, Financial Times, Wall Street Journal, CB
    Insights, Pulse of Fintech by KPMG


    •ɹۚ༥ػؔIR৘ใ

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  4. Disclaimer
    4
    ຊൃද͸ԋऀͷݸਓతݟղΛࣔ͢΋ͷͰ͋Γ ॴଐ͢Δ૊৫ͷެࣜͳݟղͰ͸ͳ͍͜ͱΛ͝ཹҙ͍ͩ͘͞


    The contents of this presentation represent the view of this presenter only


    ๯಄ѫࡰ

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  5. ຊ೔ͷςʔϚͱͯ͠ҎԼΛ࿩͍͖͍ͯͨ͠ͱࢥ͍ͬͯ·͢ʢओʹւ֎ʹ͍ͭͯޠ͍͖ͬͯ·͢ʣ
    5
    ɾνϟϨϯδϟʔόϯΫͷਐԽ
    ɾαεςφϏϦςΟ x ϑΟϯςοΫ
    ɾEmbedded FinanceͷՃ଎
    ɾւ֎େखۚ༥ػؔͷಈ͖ (GS & JPM)
    ɾPayment is sexy: POWER+ ϑϨʔϜϫʔΫ
    ๯಄ѫࡰ

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  6. 6
    Fintechͷݱࡏ஍ʹ͍ͭͯ

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  7. ࢿۚௐୡֹ͸2021೥Q3ऴྃ࣌఺Ͱաڈ࠷ߴֹ2018೥Λ௒͍͑ͯΔ
    7
    Fintechͷݱࡏ஍
    ग़ॴɿCB Insights

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  8. 2021೥ϝΨϥ΢υͷελʔτΞοϓ ҰཡʢҰ෦ʣ
    8
    Q1’ 2021


    Robinhood (US) - ख਺ྉແྉגऔҾΞϓϦ


    Klarna (Sweden) - BNPLʢޙ෷͍ʣ


    Stripe (US) - ܾࡁαʔϏε


    Checkout.com(US) - ࠃࡍܾࡁαʔϏε


    Rapyd (UK) - ๏ਓ޲͚ࠃࡍܾࡁϓϥοτϑΥʔϜ
    Q2’ 2021


    Trade Republic (Germany) - ۚ༥঎඼औҾΞϓϦ


    NuBank (Brazil) - νϟϨϯδϟʔόϯΫ


    Scalable Capital (Germany) - ϩϘΞυ౤ࢿαʔϏε


    Circle (US) - ϞόΠϧܾࡁΞϓϦ


    Plaid (US) - ۜߦAPI
    Fintechͷݱࡏ஍
    Q3’ 2021


    Revolut (UK) - νϟϨϯδϟʔόϯΫ


    Chime (US) - νϟϨϯδϟʔόϯΫ


    Varo Bank (US) - νϟϨϯδϟʔόϯΫ


    FTX (Hong Kong) - Ծ૝௨՟औҾॴ


    Carta (US) - ࢿຊ੓ࡦ؅ཧιϑτ΢ΣΞ
    Q4’ 2021


    Airwallex (Australia) - ΫϩεϘʔμʔܾࡁ


    Monzo (UK) - νϟϨϯδϟʔόϯΫ


    Lydia (France) - εʔύʔΞϓϦ


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  9. ೔ຊͷࢿۚௐୡ্Ґ10ͷηΫλʔͰ͸ϑΟϯςοΫ෼໺͕֬ݻͨΔϙδγϣϯΛҡ࣋
    9
    ਓ޻஌ೳ
    SaaS
    ϑΟϯςοΫ
    ΫϦʔϯςοΫ
    γΣΞϦϯάΤί
    ίϚʔε
    ίϯςϯπ
    ੡ༀɾ૑ༀ
    HRtech
    IoT
    0 175 350 525 700
    228
    234
    239
    271
    274
    290
    292
    526
    556
    660
    2020
    ਓ޻஌ೳ
    SaaS
    IoT
    ϑΟϯςοΫ
    Adtech
    σδλϧϔϧε
    ϩϘοτ
    ίϯςϯπ
    ίϚʔε
    HRtech
    275 550 825 1100
    288
    292
    343
    393
    417
    443
    511
    563
    798
    1,012
    2019
    SourceɿINITIAL
    ୯Ґɿԯԁ
    Fintechͷݱࡏ஍

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  10. 2021೥1݄ʙ7݄·Ͱͷ೔ܥϑΟϯςοΫ ؔ࿈ࢿۚௐୡֹ
    10
    Sourceɿfor Startupsͷ৘ใΛجʹฐࣾ࡞੒
    اۀ໊ ۀք ࢿۚௐୡֹ
    ϔΠ ঎ചͷDXԽΛࢧԉ͢ΔϓϥοτϑΥʔϜ 162ԯԁ
    Paidy ޙ෷͍ܾࡁαʔϏεʮPaidyʯ 131ԯԁ
    ωοτϓϩςΫγϣϯζ ϦεΫอূܕͷޙ෷͍ܾࡁαʔϏε 70ԯԁ
    σΟʔΧϨοτ Ծ૝௨՟औҾɾܾࡁαʔϏε 67ԯԁ
    WealthPark อ༗ෆಈ࢈ͷ؅ཧɾӡ༻αϙʔτΞϓϦ 25ԯԁ
    ϚωʔπϦʔ ݸਓ޲͚ࢿ࢈؅ཧΞϓϦ 26ԯԁ
    ΠϯϑΥΩϡϦΦϯ BaaSࣄۀɺܾࡁήʔτ΢ΣΠαʔϏεͳͲ 24ԯԁ
    Fintechͷݱࡏ஍

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  11. 11
    νϟϨϯδϟʔόϯΫɺσδλϧόϯΫͷਐԽ

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  12. νϟϨϯδϟʔόϯΫͷఆٛ
    12
    ఆٛɿσδλϧٕज़Λۦ࢖ͯ͠طଘͷۜߦʹ௅ઓ͢Δ৽ڵۜߦ
    ग़ॴɿFintech Journal
    νϟϨϯδϟʔόϯΫͷਐԽ

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  13. νϟϨϯδϟʔόϯΫΧΦεϚοϓ
    13
    νϟϨϯδϟʔόϯΫͷਐԽ
    νϟϨϯδϟʔόϯΫͷਐԽ

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  14. ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ
    14
    HQ Ξτϥϯλ, ถࠃ
    Series D
    Finance
    Name Greenlight
    Year 2014
    Business Overview
    ʮ೥ྸ੍ݶͳ͠ʯͰల։ɻ1Ո଒͋ͨΓ݄4.99υϧͷख
    ਺ྉͰ5ਓ·ͰࢠڙΛొ࿥Ͱ͖ɺઐ༻ͷσϏοτΧʔυ
    ͱۜߦΞϓϦ͕ར༻Մೳɻ


    ਌ͷ໨͕ಧ͘Α͏͖Ίࡉ͔͘ઃܭ͞Ε͍ͯΔͷ͕ಛ௃
    Ͱɺࢠڙ͕σϏοτΧʔυͰങ͍෺Λ͢ΔͱɺϦΞϧλ
    ΠϜͰ਌ʹ௨஌͕ಧ͘ɻ਌͸ͲͷళͳΒࢠڙ͕ΧʔυΛ
    ࢖͑Δ͔΍ɺATMͰҾ͖ग़ͤΔֹۚͷ্ݶ΋ઃఆͰ͖
    ΔɻΫϨδοτΧʔυͰ͸ͳ͘σϏοτΧʔυ͚ͩʹର
    Ԡ͢ΔͷͰɺ਌͕͋Β͔͡ΊΞϓϦʹೖֹۚͨۚ͠Ҏ্
    ʹ࢖͍͗͢Δ৺഑΋ͳ͍
    νϟϨϯδϟʔόϯΫͷਐԽ
    νϟϨϯδϟʔόϯΫͷਐԽ

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  15. ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ
    15
    HQ ถࠃɹχϡʔϤʔΫ
    Series D
    Finance
    Name Current
    Year 2015
    Business Overview
    13ࡀҎ্Λର৅ɻ೥ؒ$36ͰϏβͷσϏοτΧʔυٴͼ
    ۜߦػೳ͕࢖༻Մೳɻ


    GreenlightΑΓ΋ػೳ͸γϯϓϧʢྫɺ౤ࢿػೳͳ͠ɺ
    ڭҭػೳͳ͠ʣ͕ͩɺ࠷௿༬ۚ࢒ߴͷറΓ͸ͳ͍ͳͲͷ
    ϕωϑΟοτ͸͋Δɻ


    2021೥4݄γϦʔζDͰ͸໿242ԯԁௐୡʢධՁֹ͸
    2400ԯԁʣɺձһ਺΋ͦͷ2020೥຤࣌఺Ͱ200ສਓΛ
    ௒͍͑ͯΔ
    νϟϨϯδϟʔόϯΫͷਐԽ

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  16. ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ
    16
    HQ ถࠃɹΧϦϑΥϧχΞ
    Series C
    Finance
    Name Step
    Year 2018
    Business Overview
    13-18ࡀͷςΟʔϯੈ୅ʹର৅ΛߜΔɻख਺ྉ͸͢΂ͯແ
    ྉͰɺVISAΧʔυ΍ΞοϓϧϖΠͳͲΛ௨ܾͨ͡ࡁ΍ૹ
    ۚՄೳɻอޢऀ͕ΞϓϦʹ͓͔͍ͮ͜Λೖۚ͠ɺʮຖि
    ਫ༵೔ʹ20υϧʯͱ͍ͬͨΑ͏ʹֹۚ΍ස౓Λઃఆͯ͠
    ͓͚͹ࣗಈͰͷೖۚ΋Մೳɻొ࿥ʹ͸εϙϯαʔͱͳΔ
    อޢऀ͕ඞཁͰɺอޢऀ͸ΞϓϦͰࢠڙͷࢧग़ೖΛ೺Ѳ
    Ͱ͖Δɻ


    SNSϚʔέςΟϯάͰ͸ɺएऀ޲͚ͷஶ໊ΠϯϑϧΤϯ
    αʔΛ׆༻ɻࡢ೥ळϩʔϯνޙɺ150ສਓొ࿥
    νϟϨϯδϟʔόϯΫͷਐԽ

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  17. େखۚ༥ػؔͷ࣍ੈ୅ͱͷλονϙΠϯτΛ࡞͍ͬͯΔ
    17
    JP Morgan Chaseͷࣄྫɿ


    2020೥10݄͔ΒʮνΣʔεɾϑΝʔε
    τɾόϯΩϯάʯΛ։࢝ɻGreenlightͱ࿈
    ܞɻ6 - 17ࡀͷࢠڙ޲͚σϏοτΧʔυͱ
    ΞϓϦΛల։
    HSBCͷࣄྫɿ


    2020೥य़͔ΞϓϦͷʮPayMeʯͷར༻։
    ࢝೥ྸΛ16ࡀʹҾ͖Լ͛ɻ
    νϟϨϯδϟʔόϯΫͷਐԽ

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  18. ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ
    18
    HQ ถࠃɹΞτϥϯλ
    Series A
    Finance
    Name Greenwood Bank
    Year 2020
    Business Overview
    ࠇਓɺϥςϯܥ޲͚ʹಛԽͨ͠σδλϧόϯΫɻαʔϏ
    εϩʔϯνલ͕ͩɺ2021೥5݄຤࣌఺Ͱ55ສਓ͕΢ΣΠ
    τϦετʹొ࿥ɻ·ͣ͸ۜߦޱ࠲ͱՈܭ฽αʔϏεΛՆ
    Ҏ߱ॳΊɺ࠷ऴతʹ͸ΞϓϦ্Ͱ౤ࢿ঎඼ɺϏδωε
    ϩʔϯɺॅ୐ϩʔϯΛϦϦʔε͢Δ༧ఆɻ


    ౤ࢿՈʹ͸ΞϝϦΧେखۚ༥ػؔʢόϯΧϝɺ΢Σϧζ
    ϑΝʔΰɺϏβɺϚελʔΧʔυɺJPϞϧΨϯʣ΍ιϑ
    τόϯΫͳͲ໊͕Λ࿈Ͷɺ2021೥3݄ͷγϦʔζAͰ͸
    $40Mௐୡ
    νϟϨϯδϟʔόϯΫͷਐԽ

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  19. ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ
    19
    HQ ถࠃɹΧϦϑΥϧχΞ
    Seed
    Finance
    Name Cheese
    Year 2019
    Business Overview
    ΞδΞܥΞϝϦΧਓ޲͚ͷσδλϧόϯΫɻதࠃਓ૑ۀ
    ऀͷݪମݧʢൺֱతྑ͍ΫϨδοτείΞʢFICO
    score 800Ҏ্ʣ͋Γͳ͕Β΋௨ৗͷۜߦޱ࠲ͳͲ͕࡞
    Εͳ͔ͬͨʣ͕͖͔͚ͬɻ


    σϏοτΧʔυɺڅ༩ઌ෷͍ʹՃ͑ɺʰGivebackʱͱݺ
    ͹ΕΔد෇͕͋Δɻ·ͨΞδΞܥ͕ΦʔφʔళฮͰ࢖༻
    ͢Δͱ5-10%ͷΩϟογϡόοΫ͕͋Δ
    νϟϨϯδϟʔόϯΫͷਐԽ

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  20. ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ
    20
    HQ ถࠃɹΧϦϑΥϧχΞ
    Seed
    Finance
    Name Daylight
    Year 2020೥9݄
    Business Overview
    ΞϝϦΧॳͷLGBTQ+޲͚ͷσδλϧόϯΫɻݻ༗ͷχʔ
    ζʹԊͬͨۚ༥αʔϏεΛఏڙ༧ఆɻFinancial
    EqualityΛཱ֬͢ΔͨΊʹ૑ۀɻ


    ϓϦϖΠυͷϏβΧʔυΛϥΠηϯεϗϧμʔ
    ʢMetaBankʣ΍BaaSϓϨʔϠʔʢMarqetaʣͱఏܞ͠
    ͯൃߦɻ


    2021೥7݄࣌఺͸ϕʔλ൛Λʮ਺ઍϢʔβʔʯ͕׆༻ɻ
    WaitList਺͸ެද͍ͯ͠ͳ͍


    ౤ࢿՈʹ͸Citi΍JPϞϧΨϯͳͲ


    νϟϨϯδϟʔόϯΫͷਐԽ

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  21. ϚʔέοτηάϝϯτಛԽܕͷࣄྫ
    21
    ΞϯόϯΫτ࿑ಇऀ޲͚ ࢠڙ͕͍Δ཭ࠗ෉්޲͚
    ຊࣾɿΞϝϦΧɹΧϦϑΥϧχΞ


    ઃཱ೥౓ɿ2020೥


    γϦʔζɿϓϨɾγʔυʢ2021೥ɹ$1.7Mʣ


    ౤ࢿՈɿඇެද


    ֓ཁɿҠຽʢҰੈ΍ೋੈʣ޲͚ͰΞϯόϯΫτ࿑ಇऀΛλʔήοτ
    ͱ͍ͯ͠Δɻڅ༩ઌ෷͍ɺૹۚɺσϏοτΧʔυͳͲ͕ओͳػೳɻ
    ໊ࣾ͸B9ʢϏʔφΠϯʣ
    ຊࣾɿΞϝϦΧɹΧϦϑΥϧχΞ


    ઃཱ೥౓ɿ2020೥


    γϦʔζɿγʔυʢ2021೥ɺ$3Mʣ


    ౤ࢿՈɿCiti Ventures, Leter Hippeau Ventures


    ֓ཁɿࢠڙ͕͍Δ཭ࠗ෉්޲͚ͷՈܭ฽ΞϓϦɻίϛϡχέʔγϣ
    ϯΛ࠷௿ݶʹ্ͨ͠Ͱɺܦඅਫ਼ࢉͳͲ͕Մೳɻʰ͢΂ͯ͸ࢠڙͷͨ
    Ίʱͱ͍͏ϛογϣϯ


    ࢿ࢈ӡ༻ͷಈ͖

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  22. 22
    αεςφϏϦςΟɿ؀ڥ x ϑΟϯςοΫ

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  23. αεςφϏϦςΟʹؔ͢Δҙࣝͷҧ͍
    23
    - ւ֎ͷϑΟϯςοΫΧϯϑΝϨϯεͰ͸਺೥લ͔ΒςʔϚ͕Green / Sustainability


    ʢྫɺ2019 Fintech Singapore Festivalʣ


    - Plug and PlayͰ΋”Sustainability x Fintech”Ͱͷधཁ͕͜͜਺೥ٸ଎ʹߴ·͖͍ͬͯͯΔ


    - ೔ຊͷݸਓ౤ࢿՈͷESGʹର͢Δؔ৺͸ɺԤถʹൺ΂ͯ௿͍


    ʢྫ̍ɺԼهςʔϒϧࢀর*ɻྫ̎ɺӳࠃͰ͸2020೥Ethical FundͷചΓ্͕͛લ೥ൺ3ഒ**ʣ
    Ϧαʔν ೥౓ ର৅ऀ਺
    ʮؔ৺͋Γ&ͲͪΒ͔
    ͱ͍͏ͱ͋Γʯճ౴
    ಠΞϦΞϯπɾ


    άϩʔόϧɾ


    Πϯϕελʔζ
    2018೥ Ԥभݸਓ1ສਓ 75%
    ໺ଜΞηοτ


    Ϛωδϝϯτ
    2020೥ ೔ຊݸਓ໿1ສਓ 30%
    ʢग़ॴʣ* Nikkei Financial ʮESG౤৴ʹ͘͢ͿΔෆ҆ʮςʔϚܕʯ୤͢Δࡦ͸ʯɺ** Financial TimesʮThe fintechs trying to turn investors greenʯ
    αεςφϏϦςΟ

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  24. Fintech ελʔτΞοϓࣄྫ
    24
    HQ London, UK
    Seed (Equity Crowd Funding)
    Finance
    Name SUGI
    Year 2019
    Business Overview
    Sugi͸ɺΧʔϘϯΠϯύΫτΛνΣοΫ͠ɺ౤
    ࢿΛൺֱ͠ɺΑΓ؀ڥʹ഑ྀͨ͠ϙʔτϑΥϦ
    ΦͷߏஙΛࢧԉ͢ΔӳࠃॳͷΞϓϦͰ͢ɻ


    Sugi͸԰ٱౡ΁ͷཱྀߦͰग़ձͬͨೄจਿ͔Βདྷ
    ͍ͯΔʢ૑ۀऀຊਓஊʣ
    αεςφϏϦςΟ

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  25. Fintech ελʔτΞοϓࣄྫ
    25
    HQ Zurich, Switzerland
    ௐୡ૯ֹ $12million
    Finance
    Name Yova
    Year 2017
    Business Overview
    ౤ࢿՈ͕ࣗ෼ʹͱͬͯॏཁͳESG߲໨ʹैͬͯ
    ϙʔτϑΥϦΦߏங࡞੒Λࢧԉ


    ಋೖ࣌ʹΞϯέʔτͳͲΛߦ͍ɺͦͷਓͷESGʹ
    ର͢ΔՁ஋؍Λਫ਼ࠪɻYovaͷΞϧΰϦζϜ͕ͦ
    ͷਓͷر๬ʹԊͬͨ౤ࢿઓུ͕දࣔ͞ΕΔɻ࠴
    ݖ΍גࣜͳͲ΁ͷ౤ࢿൺ཰͸ɺݸਓͷՁ஋؍΍
    ౤ࢿ໨ඪʹҰக͢ΔΑ͏ʹ഑෼
    αεςφϏϦςΟ

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  26. Fintech ελʔτΞοϓࣄྫ
    26
    HQ Stockholm, Sweden
    Unknown
    Finance
    Name Doconomy
    Year 2018
    Business Overview
    اۀ޲͚ʹɺ঎඼ͷΧʔϘϯϑοτϓϦϯτ
    ʢCO2ഉग़ྔʣΛਝ଎͔ͭਖ਼֬ʹܭࢉͰ͖Δ
    ʮ2030 CalculatorʯΛແྉఏڙ


    ·ͨߪೖͨ͠঎඼ͷΧʔϘϯϑοτϓϦϯτ͕
    ্ݶʹୡ͢ΔͱΫϨδοτΧʔυࣗମͷར༻͕
    ੍ݶ͞ΕΔΧʔυʮDO BlackʯΛ্ཱ͍ͪ͛ͯ
    Δ


    αεςφϏϦςΟ

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  27. Fintech ελʔτΞοϓࣄྫ - Doconomy ࣄྫ
    27
    Klarna x Doconomy Mastercard x Doconomy
    αεςφϏϦςΟ

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  28. 28
    େखۚ༥ػؔͷಈ޲

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  29. Goldman Sachs is moving to Banking as a Service
    29
    େखۚ༥ػؔͷಈ޲

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  30. Banking as a Service (BaaS)ͱ͸ʰۚ༥ػೳͷϞδϡʔϧԽʱ
    30
    Banking as a Serviceʢۚ༥ػೳͷϞδϡʔϧʣ
    Ϋʔϙϯ ձһػೳ
    ஷۚ
    ͦͷଞ
    ૹۚ
    ۜߦ
    Ϣʔβʔ
    αʔϏε


    ఏڙձࣾ
    ޙ෷͍ ༥ࢿ
    ܾࡁ
    ຊਓ֬ೝ ޿ࠂ഑৴
    αʔϏεఏڙ
    νϟϨϯδϟʔόϯΫͷਐԽ

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  31. Goldman SachsͷBaaSࣄۀʹ͓͚Δ֎෦࿈ܞ
    31
    • 2020೥4݄ʹఏܞൃද
    • 2020೥2݄ʹఏܞൃද
    • 2020೥9݄ʹఏܞൃද
    • 2019೥11݄ʹఏܞൃද
    େखۚ༥ػؔͷಈ޲

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  32. Goldman Sachs x Amazon Web Service ίϥϘ
    32
    େखۚ༥ػؔͷಈ޲
    • ʰGoldman Sachs Financial CloudʱΛ11/30ʹൃද


    • “ۚ༥ػؔ͸ɺΰʔϧυϚϯɾαοΫεͷ਺े೥ʹ
    ΘͨΔܦݧΛ׆͔͠ɺσʔλ؅ཧ͓Αͼ෼ੳͷ՝୊
    ʹऔΓ૊Ή͜ͱ͕Ͱ͖·͢ʢதུʣ౤ࢿձࣾͷ։
    ൃऀ͸ɺେن໛ͳۚ༥σʔλͷ؅ཧɺղऍɺ෼ੳ
    ͷͨΊͷ͞·͟·ͳπʔϧͷΧελϚΠζʹଟେͳ
    ࣌ؒͱ࿑ྗΛඅ΍͍ͯ͠·͢ʢதུʣۚ༥ΞϓϦέ
    ʔγϣϯͷࢢ৔౤ೖ·Ͱͷ࣌ؒΛ୹ॖ͠ɺϦιʔε
    Λ࠷దԽͯ͠ϙʔτϑΥϦΦͷϦλʔϯʹूத͠ɺ
    ΑΓਝ଎ʹΠϊϕʔγϣϯΛ૑ग़Ͱ͖·͢ɹ”


    ग़ॴɿPR Times, Finextra, Goldman Sachs

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  33. JP Morgan - Payments are eating THE WORLD
    33
    େखۚ༥ػؔͷಈ޲

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  34. POWER+ ϑϨʔϜϫʔΫ
    34
    େखۚ༥ػؔͷಈ޲
    • We introduce the POWER+ framework that identi
    fi
    es
    fi
    ve mega-themes (Platforms, Online, Wallets,
    Embedded, and Real Time) and 20 micro-themes and value-added services that are shaping the future of
    payments globally. These are fast-growing and deep value pools that are early-to-mid stage in terms of
    maturity. They o
    ff
    er tremendous potential in the years ahead.

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  35. POWER+ ϑϨʔϜϫʔΫ
    35
    େखۚ༥ػؔͷಈ޲
    ΧςΰϦʔ αϒΧςΰϦʔ
    P Platform εʔύʔΞϓϦ
    O Online ECɺσδλϧΞΠσϯςΟςΟɺ


    ΪάΤίϊϛʔɺΫϦΤʔλʔΤίϊϛʔ
    W Wallets ϩΠϠϧςΟɺԾ૝௨՟ɺεςʔϒϧίΠϯɺCBDC
    E Embedded ίωΫςουΧʔɺ΢ΣΞϥϒϧɺIoTɺAR/VR/XRɺ


    BaaSɺωΦόϯΫɺBNPL
    R Real Time τϨʔυϑΝΠφϯεɺૹۚ
    + Value Added

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  36. POWER+ ϑϨʔϜϫʔΫ
    36
    େखۚ༥ػؔͷಈ޲
    ΧςΰϦʔ αϒΧςΰϦʔ
    P Platform εʔύʔΞϓϦ
    O Online ECɺσδλϧΞΠσϯςΟςΟɺ


    ΪάΤίϊϛʔɺΫϦΤʔλʔΤίϊϛʔ
    W Wallets ϩΠϠϧςΟɺԾ૝௨՟ɺεςʔϒϧίΠϯɺCBDC
    E Embedded ίωΫςουΧʔɺ΢ΣΞϥϒϧɺIoTɺAR/VR/XRɺ


    BaaSɺωΦόϯΫɺBNPL
    R Real Time τϨʔυϑΝΠφϯεɺૹۚ
    + Value Added

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  37. Yuki Kishi


    وࢤɹ༏ل


    Director - Fintech, Brand & Retail Japan


    [email protected]
    Please contact

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