フィンテックとは何か / What is FinTech?

早稲田大学大学院経営管理研究科「フィンテック ─ 金融革新とインターネット」2023 夏クォーターの第1回で使用したスライドです。

Transcript

1. Financial technology on the street. Generated by Stable Diffusion XL Beta
   — 2023
   1-2
   (WBS)
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2. https://speakerdeck.com/ks91
   Discord
   . . .
   Discord
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3. ( )
   ( )
   SFC ( )
   CSO (Chief Science Officer)
   1993 ( )
   2006 ( )
   SFC
   22 P2P (Peer-to-Peer)
   2011 ( )
   2018 2019
   VR 2021.7 VR 2021.9 &
   VR 2022.3 2023 AI
   VR 2023.2-3 “POWER TO THE PEOPLE” VR&RPG 2023.5 “Don’t Be So Serious”
   → ( )
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4. Dropbox
   Dropbox
   ( )
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5. (FinTech)
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6. (FinTech)
   . . .
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7. ( )
   1 6 5 (1) •
   2 6 5 (2) •
   3 6 12 Web3 (1)
   4 6 12 Web3 (2)
   5 6 19 (1)
   6 6 19 (2)
   7 6 26 (1)
   8 6 26 (2)
   9 7 3 (1)
   10 7 3 (2)
   11 7 10 (1)
   12 7 10 (2)
   13 7 24 (1)
   14 7 24 (2)
   W-IOI
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8. ( 20 )
   1
   2
   3
   4 (TCP/IP )
   5
   6
   7
   8
   9
   10 World Wide Web
   11 Web API
   12
   13 git GitHub
   14
   (6/19 ) / (2 ) OK
   /
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9. . . . . . .
   ( 20 ×14 )
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10. (2 )(160 )
    (10∼20 )
    and/or
    (60∼80 )
    ( )
    ( )
    (60∼80 )
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11. Moodle ( Q&A ) ( )
    Discord ( )
    ←
    ( )
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12. ( )
    ( )
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13. (1) :
    , (2014)
    (10) :
    , (2015)
    , (2016)
    | ,
    R&D (2017) (
    . . .
    )
    , R&D (2017)
    FinTech , KADOKAWA (2018)
    — 2023 1-2 — 2023-06-05 – p.13/46
    

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14. Financial Technology ( + )
    ( )
    — 2023 1-2 — 2023-06-05 – p.14/46
    

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15. B. , , 1968
    =
    ⇒ ( ) ( )
    — 2023 1-2 — 2023-06-05 – p.15/46
    

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16. :
    ⇒
    =
    30
    . . .
    ( )
    30
    ⇒ + LM (2023 3 )
    LM = (Language Model)
    (Large) →
    + LM ( ; )
    — 2023 1-2 — 2023-06-05 – p.16/46
    

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17. IDEA (← )
    Financial Inclusion ( )
    ( )
    Financial Democracy ( )
    ( )
    User Experience ( )
    (DX )
    Architecture as Law ( )
    ^^;
    ( )
    — 2023 1-2 — 2023-06-05 – p.17/46
    

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18. /
    P2P
    ICO ( ) STO COE (Cause-Oriented Economy)( )
    IoT ( ) ←
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19. (cf. )
    1
    : YouTube, Uber, Airbnb ( )
    2
    : Visa ↔ AMEX
    (brand holder) (issuer) (acquirer)
    — 2023 1-2 — 2023-06-05 – p.19/46
    

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20. — 2023 1-2 — 2023-06-05 – p.20/46
    

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21. Alibaba Group ( ) LINE
    EC (5 )
    ⇔
    Alipay ( ) ( )
    QR
    ( ) → MMF
    ⇔ PayPay, LINE Pay
    Zhima Credit ( )
    5
    ⇔ Yahoo! ( )
    — 2023 1-2 — 2023-06-05 – p.21/46
    

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22. ( )
    ( )
    — 2023 1-2 — 2023-06-05 – p.22/46
    

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23. 8#4
    +VO8BTFEB
    3FJ5PNPO
    ʜ
    ࠷ॳʹॻ͍͓ͯ͘
    ᶃ౉͢૬खͷ໊લΛ௥ه
    ɹɹ ެ։ݤμΠδΣετͷ୅ΘΓ
    
    ᶄཪʹΫϦοϓͰࣗ෼ͷ໊ࢗΛ௥Ճ
    ɹɹ σδλϧॺ໊ͷ୅ΘΓ
    
    10 WBS
    WBS : World’s Best Security
    1)
    2)
    — 2023 1-2 — 2023-06-05 – p.23/46
    

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24. ⇒
    — 2023 1-2 — 2023-06-05 – p.24/46
    

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25. : ( )
    ( )
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26. — 2023 1-2 — 2023-06-05 – p.26/46
    

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27. ( 3000 )
    ( ) ( ) ( )
    ( )
    (19 )
    AMEX ( )
    Western Union ( )
    (20 ∼21 )
    ICT
    — 2023 1-2 — 2023-06-05 – p.27/46
    

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28. . . .
    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 1-2 — 2023-06-05 – p.28/46
    

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29. (tetrad)
    = ( )
    4
    : ?
    : ?
    : ?
    : ?
    —
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30. (4 )
    ←
    ↑
    — 2023 1-2 — 2023-06-05 – p.30/46
    

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31. Honda UNI-CUB
    ( )
    — 2023 1-2 — 2023-06-05 – p.31/46
    

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32. (4 )
    — 2023 1-2 — 2023-06-05 – p.32/46
    

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33. (4 )
    ( )
    — 2023 1-2 — 2023-06-05 – p.33/46
    

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34. SAY NO TO BULLSHIT JOBS
    David Graeber, “Bullshit Jobs: A Theory” (2018)
    Bullshit Jobs ( ) Shit Jobs ( )
    . . .
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35. Alexa,
    ত࿨࣌୅ ੈلޙ൒
    ࣾձγεςϜ
    ࣾձ؀ڥ
    ػց
    ٕज़
    ਓؒ ࣗಈγεςϜ
    ྩ࿨࣌୅ ੈلલ൒
    ిؾ͚ͭͯ ͸͍ ͸͍
    ిؾ͚ͭͯ
    ͜ͷ৚݅ͷͱ͖
    
    ٕज़Ͱ͋Γࣾձ؀ڥˠࣗવ؀ڥ
    ਓ
    ⇒
    ( ) ⇒
    — 2023 1-2 — 2023-06-05 – p.35/46
    

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36. ChatGPT 3
    ChatGPT
    . . .
    GPT-4
    https://voyager.minedojo.org
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37. ChatGPT GPT
    ChatGPT
    GPT OpenAI (GPT-3.5, GPT-4)
    GPT
    Generative Pre-trained Transformer ( )
    GPT ( )
    GPT-3.5, GPT-4
    — 2023 1-2 — 2023-06-05 – p.37/46
    

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38. GPT
    ( )
    GPT
    Alec Radford, Karthik Narasimhan, Tim Salimans, and Ilya Sutskever. 2018. “Improving Language
    Understanding by Generative Pre-Training”. Available at:
    https://cdn.openai.com/research-covers/language-unsupervised/language_understanding_paper.pdf.
    GPT-2
    Alec Radford, Jeff Wu, Rewon Child, David Luan, Dario Amodei, and Ilya Sutskever. 2019. “Language Models
    are Unsupervised Multitask Learners”. Available at:
    https://paperswithcode.com/paper/language-models-are-unsupervised-multitask.
    GPT-3
    Tom B. Brown, Benjamin Mann, Nick Ryder, Melanie Subbiah, Jared Kaplan, Prafulla Dhariwal, Arvind
    Neelakantan, Pranav Shyam, Girish Sastry, Amanda Askell, Sandhini Agarwal, Ariel Herbert-Voss, Gretchen
    Krueger, Tom Henighan, Rewon Child, Aditya Ramesh, Daniel M. Ziegler, Jeffrey Wu, Clemens Winter,
    Christopher Hesse, Mark Chen, Eric Sigler, Mateusz Litwin, Scott Gray, Benjamin Chess, Jack Clark,
    Christopher Berner, Sam McCandlish, Alec Radford, Ilya Sutskever, and Dario Amodei. 2020. “Language
    Models are Few-Shot Learners”. Available at: https://doi.org/10.48550/arXiv.2005.14165.
    GPT-4
    OpenAI. 2023. “GPT-4 Technical Report”. Available at: https://doi.org/10.48550/arXiv.2303.08774.
    — 2023 1-2 — 2023-06-05 – p.38/46
    

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39. (
    = )
    ( )
    — 2023 1-2 — 2023-06-05 – p.39/46
    

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40. GPT
    ( )
    GPT
    Alec Radford, Karthik Narasimhan, Tim Salimans, and Ilya Sutskever. 2018. “Improving Language
    Understanding by Generative Pre-Training”. Available at:
    https://cdn.openai.com/research-covers/language-unsupervised/language_understanding_paper.pdf.
    GPT-2
    Alec Radford, Jeff Wu, Rewon Child, David Luan, Dario Amodei, and Ilya Sutskever. 2019. “Language Models
    are Unsupervised Multitask Learners”. Available at:
    https://paperswithcode.com/paper/language-models-are-unsupervised-multitask.
    GPT-3
    Tom B. Brown, Benjamin Mann, Nick Ryder, Melanie Subbiah, Jared Kaplan, Prafulla Dhariwal, Arvind
    Neelakantan, Pranav Shyam, Girish Sastry, Amanda Askell, Sandhini Agarwal, Ariel Herbert-Voss, Gretchen
    Krueger, Tom Henighan, Rewon Child, Aditya Ramesh, Daniel M. Ziegler, Jeffrey Wu, Clemens Winter,
    Christopher Hesse, Mark Chen, Eric Sigler, Mateusz Litwin, Scott Gray, Benjamin Chess, Jack Clark,
    Christopher Berner, Sam McCandlish, Alec Radford, Ilya Sutskever, and Dario Amodei. 2020. “Language
    Models are Few-Shot Learners”. Available at: https://doi.org/10.48550/arXiv.2005.14165.
    GPT-4
    OpenAI. 2023. “GPT-4 Technical Report”. Available at: https://doi.org/10.48550/arXiv.2303.08774.
    — 2023 1-2 — 2023-06-05 – p.40/46
    

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41. Generative Pre-Training, Language Models (GPT, GPT-2, GPT-3)
    :
    :
    Improving Language Understanding (GPT)
    ( ) ( )
    Unsupervised Multitask Learners (GPT-2)
    Few-Shot Learners (GPT-3)
    → GPT
    — 2023 1-2 — 2023-06-05 – p.41/46
    

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42. ( )
    ( ← ChatGPT )
    ( )
    GPT-4
    BibTEX ACM
    HTML
    (abstract)
    ( )
    — 2023 1-2 — 2023-06-05 – p.42/46
    

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43. ChatGPT 3
    ⇒ (3 )
    : GPT 3
    1. (GPT )
    2. ( )
    3. ( )
    ↑ ( )
    — 2023 1-2 — 2023-06-05 – p.43/46
    

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44. — 2023 1-2 — 2023-06-05 – p.44/46
    

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45. 1.
    (1)
    (2)
    (plain text) ( ×)
    2023 6 8 ( ) 23:59 JST ( )
    Waseda Moodle
    — 2023 1-2 — 2023-06-05 – p.45/46
    

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46. — 2023 1-2 — 2023-06-05 – p.46/46
    

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