【TECH PLAY】Kyashウォレット化の裏側

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Kyash Inc. Private and conﬁdential - not for distribution. ,ZBTI΢ΥϨοτԽͷཪଆ TECH PLAY Service & Product Designer Yusuke Yabe

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ࣗݾ঺հ Kyash Inc. Private and conﬁdential - not for distribution. ೥ʙ೥݄·Ͱ޻ۀܥͷσβΠϯࣄ຿ॴʹͯ૊ࠐΈػث΍ΞϓϦͷ6*σβΠϯʹैࣄ ೥ʙ೥݄·Ͱ։ൃձࣾͷσβΠϯ෦ॺ্ཱͪ͛ϝϯόʔͱͯ͠*"ɾ6*ઃܭΛத৺ʹXFCɾΞϓϦͷ ϝΠϯσβΠφʔͱͯ͠׆ಈ ೥݄͔Βגࣜձࣾ,ZBTIʹࢀըɺࢢ৔ఆੑௐࠪɾ෼ੳɺαʔϏεఆٛɾࢹ֮Խɺػೳཁ݅ఆٛͷ ϑΝγϦςʔτɺXFCɾΞϓϦͷಋઢઃܭɺը໘ઃܭɺ6*σβΠϯͳͲΛ୲౰ גࣜձࣾ,ZBTI αʔϏεϓϩμΫτσβΠφʔ dribbble.com/tarobeeeee ໼෦༤༞ʢ΍΂Ώ͏͚͢ʣ twitter.com/tarobeeeee

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ຊ೔ͷ͓࿩ Kyash Inc. Private and conﬁdential - not for distribution. ΢ΥϨοτΞϓϦ,ZBTIͱ͸ 1 ݸਓؒૹ͔ۚΒ΢ΥϨοτ΁ͷਐԽ 2 ৽͍͠จԽͷ૑଄΁ 3

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΢ΥϨοτΞϓϦ,ZBTIͱ͸ Kyash Inc. Private and conﬁdential - not for distribution.

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ങ͍෺΋ׂΓצ΋εϚϗͭͰ ୭ʹͰ΋ૹۚɾूۚ ͕Ͱ͖Δ ܾࡁɾૹۚख਺ྉ͸ແྉ ͔͠΋ϦΞϧλΠϜ ୭Ͱ΋7JTBΧʔυΛൃߦͯ͠ ͓ങ͍෺͕Ͱ͖Δ ΢ΥϨοτΞϓϦ,ZBTI Kyash Inc. Private and conﬁdential - not for distribution.

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΢ΥϨοτΞϓϦ,ZBTIͷ6* Kyash Inc. Private and conﬁdential - not for distribution. ୭Ͱ΋ଈ࠲ʹ7JTBΧʔυ ༑ਓ΍ಉ྅ʹແྉૹۚ ܾࡁɺૹۚཤྺ͸ϦΞϧλΠϜ

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,ZBTIͷ࢓૊Έ ֤छϙΠϯτ ϖΠδʔΛར༻͢Δۜߦ ίϯϏχ ΫϨδοτΧʔυ νϟʔδखஈ Kyash Inc. Private and conﬁdential - not for distribution. ඇ઀৮ʢࠓՆ༧ఆʣ ࣮ళฮ ϞόΠϧ4VJDB &ίϚʔε ܾࡁ ૹۚ

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Kyash Inc. Private and conﬁdential - not for distribution. ϦΞϧΧʔυൃߦ όʔνϟϧΧʔυ ϦΞϧΧʔυ ΦϯϥΠϯͰͷ͓ങ͍෺ͷΈՄೳ ࣮ళฮͰͷ͓ങ͍෺΋Մೳʹ 2%ؐݩ

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ݸਓؒૹ͔ۚΒ΢ΥϨοτ΁ͷਐԽ Kyash Inc. Private and conﬁdential - not for distribution.

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Kyash Inc. Private and conﬁdential - not for distribution. ,ZBTI૑ۀͷΩοΧέ ͓ۚΛຽओԽ͍ͨ͠ Ձ஋ͷҠಈΛ΋ͬͱࣗ༝ʹ ৼࠐɺҾ͖ग़͠ख਺ྉ ৼࠐͷखଓ͖࣌ؒ ೔ຊͷෳࡶͳۀքࣄ৘ ॾ֎ࠃͰى͜Δ͓ۚͷϞόΠϧԽ

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Kyash Inc. Private and conﬁdential - not for distribution. ϩʔϯν౰࣌ͷ,ZBTI ૹۚɺूۚػೳ΍ଈ࣌ੑΛϝΠϯʹૌٻ ूΊ͓ͨۚ͸ผͷ༑ୡ΍ωοτγϣοϐϯάͰফඅ

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Kyash Inc. Private and conﬁdential - not for distribution. ଟ͘ͷ൓ڹΛಘΒΕΔ Ϣʔβʔؒͷ঺հΛϕʔεʹ೥ܦͨͣͰສ%-Λ࣮ݱ Ϣʔβʔ͔Βͷ৆ࢍͷ੠΋ଟ਺͍ͨͩ͘

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Kyash Inc. Private and conﬁdential - not for distribution. ͞ΒͳΔ੒௕ͱՁ஋ఏڙΛ໨ࢦͯ͠ Ұ౓࢖ͬͯ΋Β͑Ε͹ɺ ͓ۚͷ΍ΓͱΓͷखܰ͞ʹڻ͖ɺ ৽͍͠Ձ஋ʹؾ͍ͮͯ΋Β͑Δ ΑΓଟ͘ͷਓͨͪʹ࢖ͬͯ΋Β͏ʹ͸Ͳ͏͢Ε͹ྑ͍͔

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͞ΒͳΔ੒௕ͱՁ஋ఏڙΛ໨ࢦͯ͠ ·ͩϦʔνͰ͖͍ͯͳ͍ਓͨͪʹૌٻ͢ΔͨΊʹ ࣗ෼ͨͪͷαʔϏεΛࣗ෼ͨͪͰ΋ ΑΓਂ͘ཧղ͢Δඞཁ͕͋ͬͨ Kyash Inc. Private and conﬁdential - not for distribution.

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͞ΒͳΔ੒௕ͱՁ஋ఏڙΛ໨ࢦͯ͠ Kyash Inc. Private and conﬁdential - not for distribution. طଘϢʔβʔ΍·ͩϦʔνͰ͖͍ͯͳ͍ਓͨͪΛపఈௐࠪ

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͞ΒͳΔ੒௕ͱՁ஋ఏڙΛ໨ࢦͯ͠ ݟ͖͑ͯͨ՝୊ Kyash Inc. Private and conﬁdential - not for distribution.

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Kyash Inc. Private and conﬁdential - not for distribution. αʔϏεಋೖ࣌ɿ౰࣌ͷ,ZBTI ࣮͸࢝ΊΔಈػ͕ڧ͍ϢʔβʔΑΓ΋ɺ࢝ΊΔͨΊͷϋʔυϧͷํΛߴ͘ײ͍ͯ͡Δ Ϣʔβʔ͕ଟ͘ଘࡏͨ͠ ࢝ΊΔಈػ ࢝ΊΔͨΊͷϋʔυϧ Ձ஋Λମݧ͢Δ श׳Խɺ঺հ ڧྗͳՁ஋ମݧ ϑΝϯԽ

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Kyash Inc. Private and conﬁdential - not for distribution. αʔϏεಋೖ࣌ɿཧ૝ ࢝ΊΔಈػ͕࢝ΊΔͨΊͷϋʔυϧΛ্ճΒͳ͍ͱՁ஋Λମݧͯ͠΋Β͑ͳ͍ ࢝ΊΔಈػ ࢝ΊΔͨΊͷϋʔυϧ Ձ஋Λମݧ͢Δ श׳Խɺ঺հ ڧྗͳՁ஋ମݧ ϑΝϯԽ

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Kyash Inc. Private and conﬁdential - not for distribution. طଘϢʔβʔ΁ͷௐࠪͰ෼͔ͬͨ͜ͱ ࢝ΊΔಈػ ࢝ΊΔͨΊͷϋʔυϧ ࢝ΊΔಈػ͕Կͳͷ͔͕൑໌ ܾࡁ࣌ͷϋʔυϧ΍ɺ঺հ࣌ͷ ϋʔυϧ͕͋Δ͜ͱ͕൑໌ w ຖ౓ͷׂΓצ͕໘౗ w ݱۚɺಛʹখમ͕൥Θ͍͠ w ͓ۚͷ΍ΓͱΓ͸ਫ਼ਆతʹۤ௧ w ҰਓͰ͙͢ʹ࢖͑ͳ͍ w ׂΓצ͓ͨۚ͠Λ͓ళͰ࢖͑ͳ͍ w ΫϨδοτΧʔυͷొ࿥͕ෆ҆ ຊਓ ૬ख ୅ޙ൒ʙ୅ͷװࣄଐੑͷࣾձਓ

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Kyash Inc. Private and conﬁdential - not for distribution. ϦʔνͰ͖͍ͯͳ͍૚΁ͷௐࠪͰ෼͔ͬͨ͜ͱ ࢝ΊΔಈػ ࢝ΊΔͨΊͷϋʔυϧ ૹۚ΍ׂΓצͰ͸ͳ͘ ωοτγϣοϐϯάʹ࢝ΊΔಈػ͕͋Δ͜ͱ͕൑໌ ಉ࣌ʹ,ZBTIಋೖ΁ͷ ϋʔυϧ͕Կͳͷ͔΋൑໌ w ख਺ྉΛ෷͍ͨ͘ແ͍ w ίϯϏχ෷͍͕໘౗ w "5.ʹຖճߦ͘ͷ͕໘౗ w Ͳ͏࢖͑Δ͔෼͔Βͳ͍ w ΫϨδοτΧʔυͷొ࿥͕ෆ҆ w ΫϨδοτΧʔυΛ͍࣋ͬͯͳ͍ w ࢖͍ա͕͗৺഑ w ͓ۚʹؔ͢Δ͜ͱ͸ා͍ ୅ޙ൒ʙ୅લ൒ͷΧʔυܾࡁʹ՝୊Λֶ࣋ͭੜɾࣾձਓ

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Kyash Inc. Private and conﬁdential - not for distribution. ௐࠪͰ෼͔ͬͨ͜ͱ Ϣʔβʔ ࢝ΊΔಈػ ࢝ΊΔͨΊͷϋʔυϧ طଘϢʔβʔ װࣄଐੑ ૹۚɾूۚ ࣮ళฮͰͷܾࡁ΍঺հ ݟࠐΈސ٬ Χʔυܾࡁʹ՝୊Λ࣋ͭ૚ ωοτͰͷܾࡁ ͓ۚͷ࢖͍ա͗΍ෆ҆

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΢ΥϨοτԽΛ׶ߦ ௐࠪͷ݁Ռ ΑΓଟ͘ͷਓͨͪʹՁ஋Λମݧͯ͠΋Β͏ʹ͸ ܾࡁ͕ΩʔϑΝΫλʔʹͳΔͱ൑அ Kyash Inc. Private and conﬁdential - not for distribution.

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΢ΥϨοτԽΛ׶ߦ ·ͨɺܾࡁͷརศੑ͔Βૌٻ͢Δ͜ͱͰ ૹۚɾूۚͷීٴʹ޲͚ͨଧͪखͱͳΔͱ൑அ Kyash Inc. Private and conﬁdential - not for distribution.

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΢ΥϨοτԽΛ׶ߦ Kyash Inc. Private and conﬁdential - not for distribution. ૹ͚ۚͩͰͳ͘ɺ ૹۚͱܾࡁͷ՝୊Λղܾ͢Δଘࡏ ࣍ੈ୅ͷ͓ࡒ෍ʹͳΔ΂͘ ΢ΥϨοτԽΛߦ͏

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αʔϏεͷݟͤํΛେ͖͘มߋ Kyash Inc. Private and conﬁdential - not for distribution. ೥ͷαʔϏεαΠτ ೥ͷαʔϏεαΠτ ந৅తʹૹۚͷ֓೦Λ఻͍͑ͯͨίϛϡχέʔγϣϯ͔Β ۩ମతʹ7JTBΧʔυ͕࣋ͯΔɺ਌͠Έ΍͢͞Λײ͡Δૌٻ࣠΁มߋ

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΢ΥϨοτԽҎ߱ͷૌٻ࣠ Kyash Inc. Private and conﬁdential - not for distribution. ૹۚ໘ ϢʔβʔௐࠪͰಘͨϢʔεέʔεͰ͋ΔׂΓצ΍ཱͯସ͑࣌ͷศར͞Λओ࣠ʹૌٻ ܾࡁ໘ ୭Ͱ΋7JTBΧʔυ͕࣋ͯΔ఺΍νϟʔδͯ͠࢖͏͜ͱͰ࢖͍ա͗ͷݒ೦͕ͳ͍͜ͱΛૌٻ

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ϓϩμΫτͷݟͤํ΋େ͖͘มߋ Kyash Inc. Private and conﬁdential - not for distribution. ೥ͷΞϓϦτοϓ ೥ͷΞϓϦτοϓ ,ZBTI͕ఏڙ͢Δܾࡁػೳͷ৅௃Ͱ͋Δ,ZBTI7JTBΧʔυΛૌٻ͢ΔͨΊʹ ΧʔυͷϏδϡΞϧΛશ໘తʹग़ͨ͠ը໘ߏ੒΁มߋ

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΢ΥϨοτԽҎ߱ͷ޻෉఺ Kyash Inc. Private and conﬁdential - not for distribution. ΫϨδοτΧʔυొ࿥͕ෆ҆ ͍࣋ͬͯͳ͍ ίϯϏχɺۜߦ"5.ʢϖΠδʔʣ͔Β ͷνϟʔδ͕Ͱ͖Δ͜ͱ͕Ұ໨Ͱ෼ ͔ͬͯࣗ෼Ͱ΋࢖͑ͦ͏ͱࢥ͑Δ

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΢ΥϨοτԽҎ߱ͷ޻෉఺ Kyash Inc. Private and conﬁdential - not for distribution. εϚϗͷωοτγϣοϐϯάʹෆศ Χʔυ৘ใͷίϐʔϖʔετ͕͋Ε ͹ιϑΝͰ৸సͼͳ͕Βɺ௨ۈɾ௨ֶ ࣌ͷిंͷதͰͷিಈങ͍ʹ΋ศར

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΢ΥϨοτԽҎ߱ͷ޻෉఺ Kyash Inc. Private and conﬁdential - not for distribution. ͓ۚʹؔ͢Δ͜ͱ͸ා͍ ϩοΫػೳ΍'BDF*%΍ࢦ໲ೝূͳͲ ηΩϡϦςΟ໘͕ڧݻ͔ͩΒ҆৺

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΢ΥϨοτԽҎ߱ͷ޻෉఺ Kyash Inc. Private and conﬁdential - not for distribution. ࢖͍ա͕͗৺഑ ཤྺ͕͙͢൓ө͞ΕΔ͏͑ʹɺ ݄ؒར༻ֹը໘ͰͲΕ͚ͩ࢖͔ͬͨ ͕ɺ,ZBTI͚ͩͰΘ͔Δ͔Β҆৺

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΢ΥϨοτԽҎ߱ͷ޻෉఺ Kyash Inc. Private and conﬁdential - not for distribution. ҰਓͰ͙͢ʹ࢖͑ͳ͍ ׂΓצ͓ͨۚ͠Λ͓ళͰ࢖͑ͳ͍ ҰਓͰ΋࢖͍࢝ΊΒΕɺपΓʹ΋ ,ZBTIͷྑ͍఺Λઆ໌͠΍͘͢ͳͬͨ

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ܾࡁʹ͓͚ΔՁ஋ఏڙ Kyash Inc. Private and conﬁdential - not for distribution. ۀք࠷ߴϨϕϧͷؐݩ཰ ,ZBTI7JTBΧʔυ ͷར༻Ͱ ΩϟογϡόοΫ ୭Ͱ΋ൃߦՄೳ νϟʔδͯ͠࢖͑Δ7JTBΧʔυΛൃߦ ΦϯϥΠϯܾࡁͰख਺ྉΛ෷͍ͨ͘ແ͍ ίϯϏχ෷͍໘౗ "5.ຖճߦ͘ͷ໘౗ ࢖͍ա͕͗৺഑

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ϦΞϧΧʔυൃߦͷଟ͘ͷ൓ڹ Kyash Inc. Private and conﬁdential - not for distribution. w 5XJUUFSτϨϯυશࠃҐ w ϦϦʔεཌ೔ʹສ୯ҐͷਃࠐΈ w ,ZBTIར༻ऀ਺ͷܹ૿ w ݄ܾؒࡁֹͷܻ͕มΘΔʂ

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৽͍͠ՄೳੑɺจԽͷ૑଄ Kyash Inc. Private and conﬁdential - not for distribution.

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Kyash Inc. Private and conﬁdential - not for distribution. ૹۚͷ׆ੑԽ ૹۚʹ͓͍ͯ͸ɺࣗ෼͚ͩͰͳ͘पΓ΋࢖͍ͬͯͳ͍ͱ࢝ΊΒΕͳ͍ͱ͍͏ αʔϏεͷϋʔυϧΛܾࡁΛಋೖޱͱͯ͠௒͍͚͑ͯΔ ૹۚମݧ΁ͷ ϋʔυϧ͕Լ͕Δ ׂΓצͳͲͰ ࣗ෼͕ूΊΕ͹ ΩϟογϡόοΫ Ͱ͓ಘ ·ͣ͸ਓͰ࢝ΊΔ ࢖͏ਓ͕૿͑Δ ΢ΥϨοτԽҎ߱ɺܾࡁͱ͍͏ఏڙՁ஋͕ՃΘ͕ͬͨɺ ૹۚͷόΠϥϧʹ΋ܨ͕͍ͬͯΔ

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Kyash Inc. Private and conﬁdential - not for distribution. ื͕ۚ͠΍͘͢ͳΔ େࡕ෎๺෦஍਒ɹۓٸࢧԉืۚʹ͍ͭͯ ԁͷ͝ࢧԉΛࣀΓ·ͨ͠ɻ ߴ௬ࢢࣾձ෱ࢱڠٞձͱຕํࢢࣾձ෱ࢱڠٞձ΁ ϒϧʔγʔτͱ౔೯Λૹ෇͍͖ͤͯͨͩ͞·ͨ͠ɻ ৺ΑΓײँਃ্͛͠·͢ɻ ࡂ֐࣌ͷืۚ

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Kyash Inc. Private and conﬁdential - not for distribution. ౤͛મ͕͠΍͘͢ͳΔ ʮΦϊϑΣεʯΠϕϯτͷ౤͛મ ࣮ࡍʹϑΣεձ৔ͰΞʔςΟετ΁ͷ౤͛મΛ,ZBTIͰʂ

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Ձ஋ަ׵Λ௨ͯ͡ੈքΛ๛͔ʹ Ձ஋ͷҠಈΛ΋ͬͱࣗ༝ʹ͢Δ͜ͱͰɺ ੈͷதʹྲྀ௨͢Δɺਓʑͷ૝͍ͷ૯ྔΛ૿΍͢ɻ ਓͱϞϊͱ͕ࣗવʹܨ͕Δ Ձ஋ҠಈͷΠϯϑϥΛ໨ࢦ͠·͢ɻ Kyash Inc. Private and conﬁdential - not for distribution.

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͝੩ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠ʂ Kyash Inc. Private and conﬁdential - not for distribution. Thank you!