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

2023年2月14日(火)、MBA Essentials ＜総合コース＞ファイナンスの講義にて使用したスライドです。

Transcript

1. MBA Essentials — 2023-02-14 – p.1/46
2. ( ) SFC ( ) CSO (Chief Science Officer) 1993 ( ) 2006 ( ) SFC 22 P2P (Peer-to-Peer) 2011 ( ) 2018 2019 VR 2021.7 VR 2021.8 “ALL THESE WORLDS ARE YOURS” VR 2021.9 & VR 2022.3 2023 AI VR 2023.2-3 “POWER TO THE PEOPLE” → ( ) — 2023-02-14 – p.2/46
3. — 2023-02-14 – p.3/46
4. ↑ Erik Stolterman (2004) DX ↑ DX GDX: (2021) — 2023-02-14 – p.4/46
5. : Bitcoin, DeFi (Decentralized Finance), NFT (Non-Fungible Token) Ethereum, ERC20 (Ethereum Request for Comments 20), DAO (Decentralized Autonomous Organization), Web3 Q & A — 2023-02-14 – p.5/46
6. Financial Technology ( × ) ( ) — 2023-02-14 – p.6/46
7. B. , , 1968 = ⇒ ( ( ) ) ( ) — 2023-02-14 – p.7/46
8. : ⇒ = ⇒ (1) ( ) ← (2) ( ) 1 30 (1993 ) 30 (1963 ) — 2023-02-14 – p.8/46
9. IDEA Financial Inclusion ( ) ( ) Financial Democracy ( ) ( ) User Experience ( ) Architecture as Law ( ) ( ) — 2023-02-14 – p.9/46
10. ( ) 3∼4 5 ChatGPT ( ) 10 — 2023-02-14 – p.10/46
11. : ⇒ LINE → → ( ) ( ) ⇒ → → → → — 2023-02-14 – p.11/46
12. — 2023-02-14 – p.12/46
13. (1) ( ) 3 — 2023-02-14 – p.13/46
14. (2) ↓ (1) ← (2) ( ) ← (3) ( ) ← ( ) bitcoin — 2023-02-14 – p.14/46
15. — 2023-02-14 – p.15/46
16. Bitcoin . . . Bitcoin YouTuber ( ) ( ) ( ) ( ) Bitcoin ( ) YouTube, Zoom, etc. ??? YouTube Zoom ( ) — 2023-02-14 – p.16/46
17. / (1) Bitcoin 2,100 cm3 (cc) 1 1cm3 10 6.25cm3 ⇒ ⇒ ( ) — 2023-02-14 – p.17/46
18. / (2) ( ) ( ) ( ) ( ) ( ) ( ) → Bitcoin/bitcoin ( / ) ( ) — 2023-02-14 – p.18/46
19. (DeFi) (DeFi : Decentralized Finance) ⇒ ( ) ⇒ ( = ) ( ) ⇒ ( ) bitcoin ( ) NFT (Non-Fungible Token) ( NFT ) NFT ( NFT ) — 2023-02-14 – p.19/46
20. NFT = + ( ) ( ) ID NFT ( ID 1 ) ( ) ID ( ) ( ) ( ) — 2023-02-14 – p.20/46
21. Ethereum — 2023-02-14 – p.21/46
22. Ethereum ( )        ߹ҙ͞Εͨਖ਼࢙ ϩʔΧϧʹෳ੡Λҡ࣋ ϒϩοΫ εϩοτ  ඵִؒ  εϩοτͰ  ΤϙοΫ ແޮͳཤྺ ҉߸ֶతμΠδΣετ ϒϩοΫνΣʔϯͷҡ࣋ࢀՃऀ͕ϩʔΧϧʹ؅ཧ͢Δσʔλۭؒ ࣌ؒ
    ΑΓ৽͍͠ه࿥ τϥϯβΫγϣϯ ΦϒδΣΫτͷੜ੒
    ·ͨ͸ϝοηʔδ ܨ͙ͨΊʹ͸ &5) Ͱͷσϙδοτͱ σϙδοτ૯ֹͷ  ෼ͷ  ૬౰ͷ ΤϙοΫ΁ͷূݴ͕ඞཁ શΦϒδΣΫτͷભҠޙͷ ঢ়ଶ͕ϋογϡ໦ʹू໿͞Εɺ ͦͷϧʔτ஋͕ϒϩοΫʹ ॻ͖ࠐ·ΕΔ ΦϒδΣΫτ τʔΫϯγεςϜ౳ ঢ়ଶભҠ ɹ ঢ় ଶ ม Խ ͷ ࢦ ࣔ ޱ࠲࢒ߴ౳ ɹͷঢ়ଶ ঢ়ଶ`  ϝ ỽ η ồ δ ETH ( ) ⇒ ETH = Ethereum Virtual Machine (EVM) 2 3 ETH ⇒ ETH — 2023-02-14 – p.22/46
23. Ethereum (ex. ) (ex. ) ⇒ → — 2023-02-14 – p.23/46
24. — 2023-02-14 – p.24/46
25. 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) — 2023-02-14 – p.25/46
26. ERC20 ERC20 ← ( ) ( ) ⇒ ERC20 ( ERC20 ) ERC20 ⇒ — 2023-02-14 – p.26/46
27. (fungible) ERC-20 → ERC-223 (draft) or ERC-777 ( )( ) (non-fungible) ERC-721 ( ) ERC-1155 ( ) ERC-3525 (SLOT ) — 2023-02-14 – p.27/46
28. — ( ) 1. ( ) 2. ( ) 3. ( ) — 2023-02-14 – p.28/46
29. bitcoin ( JPY ) (MUFG) S DCJPY ( ) (DAO ) (CBDC : Central Bank Digital Currency) CBDC — 2023-02-14 – p.29/46
30. DAO ( ) DAO : Decentralized Autonomous Organization Vitalik Buterin (Ethereum ) https://blog.ethereum.org/2014/05/06/daos-dacs-das-and-more-an-incomplete-terminology-guide/ (1) (2) ( ) (3) DAO . . . / — 2023-02-14 – p.30/46
31. DAO (1) ( ) (2) (3) . . . (a) ( ) (b) ( ) https://medium.com/coinmonks/beanstalk-exploit-a-simplified-post-mortem-analysis-92e6cdb17ace — 2023-02-14 – p.31/46
32. V.Buterin ಺෦ࢿຊˢ͋Δ ɹɹɹɹˣͳ͍ தԝʹࣗಈ ɹɹɹɹɹWT ɹɹɹɹɹɹதԝʹਓؒ ׬શͳ "* σʔϞϯ ϑΥʔϥϜ XFC αʔϏε ϩϘοτΛ࢖໾ %"0 %"QQ ݹయత૊৫ ɹɹɹɹɹ
    
    पԑʹਓؒ ɹɹɹɹ
    
    WT पԑʹࣗಈ . . . ( ) — 2023-02-14 – p.32/46
33. Web 1-2-3 ͍ΘΏΔ 8FC 8FC ۚ༥໰୊Խ Ϣʔβࣗ਎͕؆୯ʹσʔλͷੜ࢈ऀʹ ΋͏ͻͱͭ ͷࢭ༲ ࢭ༲ 4FNBOUJD
    8FC  l8FC
    z
    ॳग़
      8FC ˠ
    8FC           8FC Ϣʔβࣗ਎ͱ ެӹͷͨΊʹ σʔλ͸ࣗ༝ʹ ׆༻Ͱ͖͍ͯΔ͔ʁ ૊৫ʹ ؅ཧͤͣ͞ɺ σʔλΛϢʔβͷ खʹऔΓ໭ͦ͏ ͢΂ͯͷ໰୊͸ ͢΂ͯΛ ۚ༥τʔΫϯԽͯ͠ ղܾ͠Α͏ #FSOFST-FF ͷ #FSOFST-FF ͷ 0` 3FJMMZ ͷ 8PPE ͷ #JUDPJO ε ϊ ồ σ ϯ ࣄ ݅ Ϧ ồ Ϛ ϯ ɾ γ ἀ ỽ Ϋ Π ϯ λ ồ ω ỽ τ ঎ ༻ Խ &UIFSFVN — 2023-02-14 – p.33/46
34. (by ) 1. 2. ( ) ( ) . . . cf. by McLuhan cf. by McLuhan — 2023-02-14 – p.34/46
35. by ⇒ : ⇒ — 2023-02-14 – p.35/46
36. by ⇒ : ⇒ — 2023-02-14 – p.36/46
37. — 2023-02-14 – p.37/46
38. SAY NO TO BULLSHIT JOBS David Graeber, “Bullshit Jobs: A Theory” (2018) ← . . . (4 ) ( ) ( ) — 2023-02-14 – p.38/46
39. Alexa, ত࿨࣌୅
    
     ੈلޙ൒ ࣾձγεςϜ ࣾձ؀ڥ ػց ٕज़ ਓؒ ࣗಈγεςϜ ྩ࿨࣌୅
    
     ੈلલ൒ ిؾ͚ͭͯ ͸͍ ͸͍ ిؾ͚ͭͯ ͜ͷ৚݅ͷͱ͖ ٕज़Ͱ͋Γࣾձ؀ڥ
    ˠ
    ࣗવ؀ڥ ਓ ⇒ ( ) — 2023-02-14 – p.39/46
40. — 2023-02-14 – p.40/46
41. (tetrad) = ( ) = ( ) + ( ) 4 : ? : ? : ? : ? — — 2023-02-14 – p.41/46
42. (4 ) (DX ) ( ) — 2023-02-14 – p.42/46
43. (cyborg) = (cybernetic) (organism) 1 : ← 2 : ⇒ (1) (2) ⇒ ← — 2023-02-14 – p.43/46
44. 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 — 2023-02-14 – p.44/46
45. 100 50 ( 50 ) / ( ) (Bitcoin ) . . . — 2023-02-14 – p.45/46
46. — 2023-02-14 – p.46/46