サブスクリプションサービスをつくる時にエンジニアが考えること / Behind the Scenes: Engineering a Subscription Service

by Masato Ohba

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αϒεΫϦϓγϣϯαʔϏεΛ ͭ͘Δ࣌ʹΤϯδχΞ͕ߟ͑Δ͜ͱ #@UFDLUBML !PICBSZF

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αϒεΫϦϓγϣϯͷ౔୆ͱͳΔ՝ۚͷ։ൃΛ ৼΓฦͬͯΈͯॏཁͩͬͨϙΠϯτΛ఻͍͑ͨ

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"HFOEB αϒεΫϦϓγϣϯͱ#ͷಛੑ ͭ͘Δ΋ͷΛܾΊΔͨΊʹʢཁٻɾཁ݅ఆٛʣ Ͳ͏ͭ͘Δ͔ʢઃܭɾ࣮૷ʣ ͭͬͨ͘΋ͷΛݕূ͢Δʢςετʣ "HFOEB

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Smart, Secure, Mobile Super powered Banking and Living. 㲔 αϒεΫϦϓγϣϯͱ#ͷಛੑ

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αϒεΫϦϓγϣϯͱ#ͷಛੑ Ұఆظؒར༻Ͱ͖Δݖརʹରͯ͠ྉۚΛࢧ෷͏ϏδωεϞσϧ ఆظతʹྉۚΛϢʔβʔ͔Β   ࢧ෷ͬͯ΋Β͏࢓૊Έ͕ඞཁ💰

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αϒεΫϦϓγϣϯͱ#ͷಛੑ ܾࡁखஈͷද͸IUUQTXXXHNPQHDPNTFSWJDFNVMQBZΑΓҾ༻ ܾࡁήʔτ΢ΣΠɺΞϓϦ಺՝ۚΛ༻͍Δͷ͕Ұൠత

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αϒεΫϦϓγϣϯͱ#ͷಛੑ ΞϓϦ֎Ͱ࢖༻͢Δ෺ཧΧʔυΛఏڙ͢ΔͨΊ"QQ಺՝ۚ͸࢖͑ͳ͍ʢ"QQ4UPSF౳ͷن໿ʹΑΔʣ #ϓϦϖΠυ w Ϣʔβʔ͸ࣄલʹೖۚͯ͠ ͔Βܾࡁ͢ΔΧʔυ w ࢒ߴ͔ΒఆظతʹҾ͖མͱ ͢͜ͱͰ՝ۚΛߏஙՄೳ w ֎෦γεςϜ࿈ܞෆཁͱ͍ ͏େ͖͍ϝϦοτ

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αϒεΫϦϓγϣϯͱ#ͷಛੑ w /P w ՝ۚͷ࢓૊ΈʹΑΒͣɺࣗࣾͰαϒεΫϦϓγϣϯαʔϏεΛཱͪ ্͛Δͱ͖ͷීวతͳτϐοΫΛѻ͏ w աڈʹ"QQ4UPSF ܾࡁήʔτ΢ΣΠͱ࿈ܞͨ͠՝ۚγεςϜΛ։ ൃɾӡ༻͍͕ͯͨ͠ɺॏཁͳϙΠϯτ΍צॴ͸ࣅ௨͍ͬͯΔ #͸ಛघ͔ͩΒࢀߟʹͳΒͳ͍ʁ

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օ͞Μ΋໌೔͔ΒαϒεΫϦϓγϣϯ αʔϏεͷ։ൃΛ࢝ΊΔ͜ͱ͕Ͱ͖·͢Α͏ʹ

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Smart, Secure, Mobile Super powered Banking and Living. 㲔 ͭ͘Δ΋ͷΛܾΊΔͨΊʹ

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ͭ͘Δ΋ͷΛܾΊΔͨΊʹ ओʹͭͷΞϓϩʔνΛ௨͡ɺͭ͘Δ΋ͷΛ໌Β͔ʹ͢Δ ओཁͳ՝ۚϓϥοτ ϑΥʔϜͷ࢓༷ௐࠪ ঢ়ଶભҠͷߟ࡯ Ϣʔβʔʹཧղ͠΍͍͢   Ұൠతͳ࢓༷Λ୳Δ ͱΓ͏Δঢ়ଶ΍ΠϕϯτΛ   ੔ཧͯ͠ෳࡶੑΛ୳Δ

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ͭ͘Δ΋ͷΛܾΊΔͨΊʹ w "QQ4UPSF (PPHMF1MBZ 4USJQFΛର৅ʹυΩϡϝϯτΛਫ਼ಡ w ੈքͰ࠷΋ར༻͞Ε͍ͯΔ՝ۚϓϥοτϑΥʔϜͰ͋Δ w Ϣʔβʔ΋׳Ε਌͠ΜͰ͍ΔՄೳੑ͕ߴ͍ w ࢓༷ͷେ෦෼͕EFWFMPQFSHVJEFͱͯ͠ެ։͞Ε͍ͯΔ w Ϣʔβʔ໨ઢ͚ͩͰͳ͘ӡӦͱͯ͠ՄೳͳΞΫγϣϯ΋ݟ͑Δ ओཁͳ՝ۚϓϥοτϑΥʔϜͷ࢓༷ௐࠪ

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ͦͷଞʹ΋ ͭ͘Δ΋ͷΛܾΊΔͨΊʹ αϒεΫϦϓγϣϯͷ֓೦ɾ༻ޠ͸ࣗ໌Ͱ͸ͳ͍ͱ͍͏ൃݟ ఏڙ͢Δͷ͸ ػೳ ಛయ Ϣʔβʔ͕ߦ͏ͷ͸ ߪಡ ਃ͠ࠐΈ Ωϟϯηϧ ղ໿ 🤯 ༛༧ظؒ ߋ৽ ΦϑΝʔ τϥΠΞϧ ࠶։ ࠶ਃ͠ࠐΈ αʔϏε ϓϥϯ υϝΠϯ༻ޠࣙॻΛ ࡞ͬͯಡΈ߹Θͤ

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ͭ͘Δ΋ͷΛܾΊΔͨΊʹ w ແྉͰ࢖͑Δظؒ͸͋Δʁ w ߋ৽࣌ͷࢧ෷͍ʹࣦഊͨ͠Βʁ༛༧ظؒ͸͋Δʁ w ղ໿ͯ͠΋ظݶ·Ͱ࢖͑Δʁ w ظݶલʹ࠶ਃ͠ࠐΈͰ͖Δʁ w ӡӦͱͯ͠ඞཁͳػೳ͸ʁ w ਃ͠ࠐΜͩϢʔβʔʹඥͮ͘ผͷϢʔβʔ΋ར༻Ͱ͖Δʁ ༻ޠΛ੔ཧ͢ΔաఔͰཁٻΛҾ͖ग़͢໰͍͕ݟ͑ͯ͘Δ

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ͭ͘Δ΋ͷΛܾΊΔͨΊʹ w ϥΠϑαΠΫϧ˺ঢ়ଶͷ؅ཧ͸࠷ॏཁϙΠϯτ w ͲͷΑ͏ͳঢ়ଶΛऔΓ͏Δ͔Λྻڍͯ͠ݕ౼ w γεςϜʹͲ͏མͱ͔͢͸͜ͷλΠϛϯάͰ͸ߟ͑ͳ͍ ঢ়ଶભҠͷߟ࡯

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ͭ͘Δ΋ͷΛܾΊΔͨΊʹ w ֤ঢ়ଶʹ͓͍ͯΞΫλʔʢϢʔβʔ΍αʔϏεӡӦʣ͸ͲͷΑ͏ͳΞΫγϣϯΛߦ͑Δ͔ʁ w #1./ͰϑϩʔܗࣜͷਤΛॻ͍ͯΈΔ w ঢ়ଶؒͷભҠΛى͜͢τϦΨʔ͸Կ͔ʁ w ΞΫλʔʹΑΔΞΫγϣϯͰ͋Ε͹ɺτϦΨʔͱͳΔػೳͷ࣮૷͕ඞཁ w ࣌ؒܦաͰ͋Ε͹ɺόονॲཧ౳͕ඞཁ w ࣮ࡍ͸ಉҰͱΈͳͯ͠Α͍ঢ়ଶ͸͋Δ͔ʁ w ߦ͑ΔΞΫγϣϯ͕ಉҰɺ͔ͭલޙͷঢ়ଶભҠΛى͜͢τϦΨʔ͕ಉҰͰ͋Ε͹ಉ͡ঢ়ଶͱΈͳͤΔ͔ w ͨͱ͑͹ʮ՝ۚະܦݧʯͱʮ՝ۚղ໿ࡁʯ͸ಉ͔͡ҧ͏͔ w ঢ়ଶΛݮΒͤΕ͹ෳࡶੑΛݮΒͤΔ ঢ়ଶભҠͷߟ࡯ϙΠϯτ͍͔ͭ͘

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ͭ͘Δ΋ͷΛܾΊΔͨΊʹ ࠷େ ࠷খ ύλʔϯ͝ͱʹঢ়ଶભҠਤΛॻ͖ɺෳࡶੑͷଟՉΛ൑அ ࣮ࡍͷঢ়ଶભҠਤͱ͸ҟͳΔɻงғؾ͚ͩ఻ΘΕ͹0,

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ͭ͘Δ΋ͷΛܾΊΔͨΊʹ ͕੔ཧͰ͖ͨΒ ౰ϓϩδΣΫτͰ͸1.ͱΤϯδχΞ͕ڞಉͰ13%Λهड़ͨ͠ ϢʔβʔετʔϦʔ΍13% ϓϩμΫτཁٻ࢓༷ॻ Λॻ͘   6*ʹམͱ͠ࠐΉ΂͖ཁૉ΋ܾ·ͬͯ͘Δ ֓೦ɾ༻ޠ औΓ͏Δঢ়ଶɾΠϕϯτ

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ͭ͘Δ΋ͷΛܾΊΔͨΊʹ ՝ۚϓϥοτϑΥʔϜͷ   ࢓༷ௐࠪ ঢ়ଶભҠͷߟ࡯ αϒεΫϦϓγϣϯγεςϜΛ࣮ݱ͢ΔͨΊ   ͭ͘Δ΋ͷ͕໌Β͔ʹͳͬͨ ֓೦ɾ༻ޠͷ੔ཧ   Ұൠతͳ࢓༷΍࿦఺ΛΫϦΞʹ 📝υϝΠϯࣙॻ ͱΓ͏Δঢ়ଶͱى͖ΔΠϕϯτͷ੔ཧ   ઃܭҎલͷෳࡶ͞Λίϯτϩʔϧ 📝ঢ়ଶભҠਤ 📝13%ɺ6*ϞοΫΞοϓ

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Smart, Secure, Mobile Super powered Banking and Living. 㲔 Ͳ͏ͭ͘Δ͔

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Ͳ͏ͭ͘Δ͔ w 13%ΛϕʔεʹΤϯςΟςΟΛચ͍ग़͢ w ঢ়ଶભҠΛى͜͢ΠϕϯτɺΠϕϯτʹΑͬ ͯੜ੒͞ΕΔϦιʔεͷΑ͏ʹ੔ཧ งғؾ͚ͩݟͯ΋Β͑͹0, ࠷΋ॏཁͳͷ͸σʔλϞσϦϯά

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Ͳ͏ͭ͘Δ͔ w ཪଆͷσʔλߏ଄ΛϦιʔε දݱ͔Β૝૾͢Δ w ӬଓԽ͕ඞཁͳσʔλΛऔࣺ બ୒ 4USJQF"1*EPDVNFOUΛ׆༻ IUUQTTUSJQFDPNEPDTBQJ

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Ͳ͏ͭ͘Δ͔ w ͢΂ͯͷཁ݅ΛຬͨͤΔ͔Λ֬ೝ w ΠϝτϨˠίʔυΛҰؾʹԥΓॻ͖ w 💭ʮ0SEFSΠϕϯτͱ4VCTDSJQUJPOϦιʔεΛ෼͚ ͳ͍ͱਃ͠ࠐΈʹࣦഊͨ͠ͱ͖ࣄ࣮͕ه࿥Ͱ͖ͳ ͍ʯFUDؾ͖ͮΛಘΔ ද΍ਤ͸งғؾ͚ͩݟͯ΋Β͑͹0, 📝ςʔϒϧઃܭ 📝&3ਤ

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Smart, Secure, Mobile Super powered Banking and Living. 㲔 ͭͬͨ͘΋ͷΛݕূ͢Δ

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ͭͬͨ͘΋ͷΛݕূ͢Δ ॏ఺తʹߦ͏΂͖͸ ೔෇ɾ࣌ࠁʹؔ͢Δςετ ঢ়ଶભҠςετ ςετ༰қੑΛ   ߴΊΔऔΓ૊Έ͕ඞཁ ঢ়ଶભҠਤɾදΛ࢖͏   εΠονΧόϨοδЋ ࣗಈςετɺϚχϡΞϧςετͷ྆ํͰ؍఺Λม͑ͯߦ͏

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ͭͬͨ͘΋ͷΛݕূ͢Δ w ςετͷͨΊʹϲ݄଴ͭΘ͚ʹ͸͍͔ͳ͍ w ༗ޮظݶΛ୹ॖͨ͠Γɺঢ়ଶΛߋ৽͢ΔςετπʔϧΛॆ࣮ w "QQ4UPSFTBOECPY 4USJQF#JMMJOHUFTUDMPDLΛࢀߟʹ͢Δ ೔෇ɾ࣌ࠁʹґଘ͢Δػೳͷςετ

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ͭͬͨ͘΋ͷΛݕূ͢Δ ঢ়ଶભҠςετ 📝ঢ়ଶભҠਤ 📝ঢ়ଶભҠද ঢ়ଶભҠςετͷղઆ͸ςετઃܭͷຊʹ͍͍ͩͨॻ͍ͯ͋Δ͸ͣ

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ͭͬͨ͘΋ͷΛݕূ͢Δ ঢ়ଶભҠද͔ΒςετέʔεΛॻ͖ى͜͢ ՝ۚςετ͸ϓϩδΣΫτத൫ͱޙ൒Ͱճ࣮ࢪ   ࢓༷Ͳ͓Γʹಈ࡞͢Δ͜ͱΛ֬ೝ

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͜ͷΑ͏ͳաఔΛܦͯແࣄϦϦʔε🎉

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4NBSU#BOL *OD 4PGUXBSF&OHJOFFS .BTBUP0ICB !PICBSZF 8IP*BN !PICBSZF

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͕࣌ؒ͋Ε͹࿩͔ͨͬͨ͜͠ͱ w "1*ઃܭɾ࣮૷͸σʔλϞσϦϯάͱ6*͔Β֓Ͷࣗવʹಋ͔ΕΔ w 4USJQF"1*͸͜͜Ͱ΋ࢀߟʹͨ͠ w ೔෇ͱ࣌ࠁͷѻ͍ʹγϏΞʹ w ظݶ͕੾Εͨ௚ޙʹϢʔβʔ͔Βͷݟ͑ํ͕มΘΔ͔ w όον͕࣮ߦ͞Εͳͯ͘΋ҟৗͳঢ়ଶʹͳΒͳ͍͔ ઃܭɾ࣮૷ʹؔͯ͠

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͕࣌ؒ͋Ε͹࿩͔ͨͬͨ͜͠ͱ w কདྷͷมߋΛ༧ଌ w τϥΠΞϧɺ೥ؒϓϥϯɺׂҾɾΫʔϙϯɾΦϑΝʔɺՁ֨มߋɺ ࢧ෷͍खஈͷมߋɺΞοϓάϨʔυ w ओཁͳ՝ۚϓϥοτϑΥʔϜͷ࢓༷Λࢀߟʹ͢Δ w %#ʹϝλσʔλΛ͔ͬ͠Γ࢒͓ͯ͘͠ w αϒεΫϦϓγϣϯσʔλͷ෼ੳ͸ࣄۀʹ͓͍ͯͱͯ΋ॏཁ ઃܭϫϯϙΠϯτ

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͕࣌ؒ͋Ε͹࿩͔ͨͬͨ͜͠ͱ w 'JSFCBTF"QQ%JTUSJCVUJPOͰࣾ಺ϝϯόʔʹͷΈ഑෍ͯ͠αϒε ΫϦϓγϣϯਃ͠ࠐΈͯ͠΋Β͏ w ౰೔͸σϓϩΠෆཁͰϦϦʔεͰ͖ΔΑ͏ɺطଘͷ%BSL-BVODIͷ ࢓૊ΈΛ׆༻ ҆શͳϦϦʔεʹ޲͚ͯ