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フィンテックと貨幣・金融の未来 / Fintech and the Future of Money and Finance

フィンテックと貨幣・金融の未来 / Fintech and the Future of Money and Finance

2022年3月23日(水)、オンラインで開催された MBA Essentials <総合コース> ファイナンス「フィンテックと貨幣・金融の未来」で使用したスライドです。

Kenji Saito
PRO

March 23, 2022
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  1. MBA Essentials — 2022-03-23 – p.1/47

  2. ( ) SFC ( ) CSO (Chief Science Officer) 1993

    ( ) 2006 ( ) SFC 21 P2P (Peer-to-Peer) 2011 2018 2019 VR 2021.7 VR 2021.8 “ALL THESE WORLDS ARE YOURS” VR 2021.9 & VR 2021.12 VR 2022.3 ( (VR) ) → ( ) — 2022-03-23 – p.2/47
  3. ( ) (1) 2020 9 60 (2020) : ( )

    . . . = ( ) GitHub Copilot (AI ) — 2022-03-23 – p.3/47
  4. ( ) (2) (2020) : ( ) ( = ×

    ) . . . — 2022-03-23 – p.4/47
  5. — 2022-03-23 – p.5/47

  6. ↑ Erik Stolterman (2004) DX ↑ DX GDX: (2021) —

    2022-03-23 – p.6/47
  7. : Bitcoin, DeFi (Decentralized Finance), NFT (Non-Fungible Token) Ethereum, ERC20

    (Ethereum Request for Comments 20), Web3, DAO (Decentralized Autonomous Organization) Q & A — 2022-03-23 – p.7/47
  8. Financial Technology ( × ) ( ) — 2022-03-23 –

    p.8/47
  9. B. , , 1968 = ⇒ ( ) ( )

    — 2022-03-23 – p.9/47
  10. : ⇒ = (1) ( ) ← (2) ( )

    1 30 . . . ( ) — 2022-03-23 – p.10/47
  11. IDEA Financial Inclusion ( ) ( ) Financial Democracy (

    ) ( ) User Experience ( ) Architecture as Law ( ) ( ) — 2022-03-23 – p.11/47
  12. ( ) 3∼4 7 (1) (2) ( ) — 2022-03-23

    – p.12/47
  13. . . . 54 2016 ( 1 ) — 2022-03-23

    – p.13/47
  14. : ⇒ LINE → → ( ) ( ) ⇒

    → → → → — 2022-03-23 – p.14/47
  15. — 2022-03-23 – p.15/47

  16. (1) ( ) 3 — 2022-03-23 – p.16/47

  17. (2) ↓ (1) ( ) (2) ( ) (3) (

    ) bitcoin — 2022-03-23 – p.17/47
  18. — 2022-03-23 – p.18/47

  19. Bitcoin . . . Bitcoin YouTuber ( ) ( )

    ( ) ( ) Bitcoin ( ) YouTube, Zoom, etc. ??? YouTube Zoom ( ) — 2022-03-23 – p.19/47
  20. / (1) Bitcoin 2,100 cm3 (cc) 1 1cm3 10 6.25cm3

    ⇒ ⇒ ( ) — 2022-03-23 – p.20/47
  21. / (2) ( ) ( ) ( ) ( )

    ( ) → Bitcoin/bitcoin ( / ) ( ) — 2022-03-23 – p.21/47
  22. ( ) ( ) ϒϩοΫ൪߸O ϒϩοΫ൪߸O  ϒϩοΫ൪߸O  ϒϩοΫ൪߸O

     ϒϩοΫ൪߸O  ϒϩοΫ൪߸O  ϒϩοΫ൪߸O  ϒϩοΫ൪߸O  ͍ͪ͹Μه࿥ɾॻ͖׵͑ͷίετ͕ߴ͍ྺ࢙ ࠷΋վ͟Μ͠ʹ͍͘ྺ࢙ ͕༗ޮ ͻͱͭखલͷϒϩοΫͷ ʮμΠδΣετʯ σδλϧॺ໊͞Εͨ ʮτϥϯβΫγϣϯ औҾ ʯ ϒϩοΫΛ࡞ΔͨΊʹ͸ɺͦͷʮμΠδΣετʯ͕͋Δ਺ҎԼͱ͍͏৚݅Λຬͨͨ͠Γ 1SPPGPG8PSL Ծ૝௨՟ͷ࣋ͪ෼ʹԠͨ͡ݖརΛ࢖ͬͨ౤ථͰউͬͨΓ 1SPPGPG4UBLF ͢Δඞཁ͕͋Δ ίετ͕͔͔Δ ϒϩοΫΛ࡞Δਓ͸ͦͷதʹࣗ෼ʹѼͯͨ Ծ૝௨՟ͰͷใुΛॻ͖ࠐΉ͜ͱ͕Ͱ͖ɺ ͦͷϒϩοΫ͕༗ޮͳྺ࢙ͷதʹ͋Δ৔߹ʹ ݶΓใु΋༗ޮͱͳΔ τϥϯβΫγϣϯͷଘࡏΛ֬ೝ͢Δ ͨΊͷޮ཰తͳํ๏͕ఏڙ͞ΕΔ ਖ਼౰ੑ ଘࡏੑ །Ұੑ Proof of Work ( ) . . . → — 2022-03-23 – p.22/47
  23. (DeFi) (DeFi : Decentralized Finance) ⇒ ( ) ⇒ (

    = ) ( ) ⇒ ( ) bitcoin ( ) NFT (Non-Fungible Token) ( NFT ) NFT ( NFT ) — 2022-03-23 – p.23/47
  24. NFT = + ( ) ( ) ID NFT (

    ID 1 ) ( ) ID ( ) — 2022-03-23 – p.24/47
  25. Ethereum — 2022-03-23 – p.25/47

  26. EVM : Ethereum Virtual Machine Gas ( EVM = (

    burn)) → — 2022-03-23 – p.26/47
  27. (ex. ) (ex. ) ⇒ → — 2022-03-23 – p.27/47

  28. — 2022-03-23 – p.28/47

  29. ERC20 ERC (Ethereum Request for Comments) 20 https://github.com/ethereum/EIPs/blob/master/EIPS/eip-20.md (EIP: Ethereum

    Improvement Proposal) contract ERC20 { function totalSupply() constant returns (uint totalSupply); function balanceOf(address _owner) constant returns (uint balance); function transfer(address _to, uint _value) returns (bool success); function transferFrom(address _from, address _to, uint _value) returns (bool success); function approve(address _spender, uint _value) returns (bool success); function allowance(address _owner, address _spender) constant returns (uint remaining); event Transfer(address indexed _from, address indexed _to, uint _value); event Approval(address indexed _owner, address indexed _spender, uint _value); } name/ , symbol/ , decimals/ approve allowance ERC223 ( ), ERC721 (Non-Fungible) — 2022-03-23 – p.29/47
  30. ERC20 ERC20 ← ( ) ( ) ⇒ ERC20 (

    ERC20 ) ERC20 ⇒ — 2022-03-23 – p.30/47
  31. (fungible) ERC20 → ERC223 (draft) or ERC777 (non-fungible) ERC721, ERC1155

    ( ( ) ) ( ) (partially fungible) ERC1410 (draft) (ERC1400 ) (redeemable) — 2022-03-23 – p.31/47
  32. — ( ) 1. ( ) 2. ( ) 3.

    ( ) — 2022-03-23 – p.32/47
  33. bitcoin ( JPY ) (MUFG) S DCJPY ( ) (DAO

    ) (CBDC : Central Bank Digital Currency) CBDC — 2022-03-23 – p.33/47
  34. DAO Web3 DAO (Decentralized Autonomous Organization) ( ) . .

    . . . . Web3 DAO . . . 400 — 2022-03-23 – p.34/47
  35. The DAO ( ) Ethereum The DAO Split ( )

    360 ETH (50∼60 ) (2016/6/17) ( ) ( ; ) (2016/7/20 ) — 2022-03-23 – p.35/47
  36. (by ) 1. 2. ( ) ( ) . .

    . cf. by McLuhan cf. by McLuhan — 2022-03-23 – p.36/47
  37. by ⇒ : ⇒ — 2022-03-23 – p.37/47

  38. by ⇒ : ⇒ — 2022-03-23 – p.38/47

  39. — 2022-03-23 – p.39/47

  40. SAY NO TO BULLSHIT JOBS David Graeber, “Bullshit Jobs: A

    Theory” (2018) ← . . . (4 ) ( ) ( ) — 2022-03-23 – p.40/47
  41. Alexa, ত࿨࣌୅ ੈلޙ൒ ࣾձγεςϜ ࣾձ؀ڥ ػց ٕज़ ਓؒ ࣗಈγεςϜ ྩ࿨࣌୅

    ੈلલ൒ ిؾ͚ͭͯ ͸͍ ͸͍ ిؾ͚ͭͯ ͜ͷ৚݅ͷͱ͖ ٕज़Ͱ͋Γࣾձ؀ڥˠࣗવ؀ڥ ਓ ⇒ ( ) — 2022-03-23 – p.41/47
  42. (tetrad) = ( ) = ( ) + ( )

    4 : ? : ? : ? : ? — — 2022-03-23 – p.42/47
  43. (4 ) (DX ) ( ) — 2022-03-23 – p.43/47

  44. (cyborg) = (cybernetic) (organism) 1 : ← 2 : ⇒

    (1) (2) ⇒ ← — 2022-03-23 – p.44/47
  45. ࠃʹΑΔ ҆શอো ՟ฎ ࢢ৔ ෼ۀࣾձ ઐ໳ੑͷ ෼Խ ࢧ ࣋ ࢧ

    ࣋ ࢧ࣋ %9 ۚ༥ ൃߦ ೲ੫ ࣗಈԽɾޮ཰ԽɾຽओԽ ࣗಈԽɾ ޮ཰Խɾ ຽओԽ ࣗಈԽɾ ޮ཰Խɾ ຽओԽ ઐ໳ະ෼Խ΁ʂ — 2022-03-23 – p.45/47
  46. 100 50 ( 50 ) / (Bitcoin ) . .

    . — 2022-03-23 – p.46/47
  47. — 2022-03-23 – p.47/47