“ユーザー起点” のモバイルアプリの開発プロセス / Start up × FinTech

by nakamuuu

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lϢʔβʔى఺zͷϞόΠϧΞϓϦͷ։ൃϓϩηε

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4NBSU#BOL *OD J04"OESPJE"QQMJDBUJPO%FWFMPQFS தଜܙଠ !DIJDLNVVV ࣗݾ঺հ !OBLBNVVV

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͜Ε·Ͱͷ։ൃλΠϜϥΠϯ ೥݄ ೥݄ ։ൃελʔτ ೥݄ ೥݄ ೥݄ ೥݄ ࣾ಺֎ϕʔλςετ։࢝ J04൛ϦϦʔε lϖΞΧʔυzఏڙ "OESPJE൛ϦϦʔε *$νοϓ෇͖Χʔυͷൃߦ ۜߦޱ࠲͔Βೖۚ ϙέοτػೳ ݄ؒ·ͱΊ༧ࢉઃఆ ηϒϯۜߦ"5.ೖۚ ͋ͱ͹Β͍νϟʔδ ϗʔϜը໘ϦχϡʔΞϧ ࣗಈೖۚ ΫϨδοτΧʔυೖۚ Ϣʔβʔը໘ͷ৽ઃ

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ࠓ೔͓࿩͢͠Δ͜ͱ ϢʔβʔϦαʔν΍ϢʔβʔϏϦςΟςετͰಘΒΕͨ݁Ռ͕   #ΞϓϦͷ࠷ऴతͳઃܭ΍։ൃϓϩηεʹͲͷΑ͏ʹ൓ө͞Ε͍ͯΔ͔ ςʔϚ ϢʔβʔΠϯλϏϡʔ͔Β   நग़ͨ͠Ϣʔεέʔεʹج͍ͮͨ   lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ ࣄྫᶃ#ϖΞΧʔυ *$νοϓ෇͖ΧʔυͷൃߦϑϩʔͰͷ   ϢʔβʔϏϦςΟςετͷ࣮ࢪ ࣄྫᶄΦϯϘʔσΟϯάͷվળ

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#ϖΞΧʔυʹ͓͚Δ lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷

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࢒ߴɾཤྺͷڞ༗͚ͩͰͳ͘   ຖ݄ͷࢧग़ͷ·ͱΊ΍ϙέοτͳͲ   ͢΂ͯͷػೳΛਓͰ࢖͑Δͷ͕ಛ௃

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lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ ݸਓޱ࠲ ʢϚΠΧʔυʣ ϖΞޱ࠲ ʢϖΞΧʔυʣ

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Ϣʔβʔ# Ϣʔβʔ" lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ ͳͥ4/4ΞϓϦͷΞΧ΢ϯτ੾Γସ͑ͷΑ͏ͳઃܭͱͨ͠ͷ͔ʁ 💭ผҊΧʔυͷࢧ෷͍ݩΛ౎౓੾Γସ͑Δ ݸਓ࢒ߴɾཤྺ ڞ༗࢒ߴɾཤྺ ݸਓ࢒ߴɾཤྺ ͍ͣΕ͔ͷ࢒ߴ͔Βܾࡁ ͍ͣΕ͔ͷ࢒ߴ͔Βܾࡁ

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lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ ݸਓͷࢧग़ͱͷ෼཭ ༧ࢉΛҙࣝͨ͠มಈඅͷ؅ཧ 👉༧ࢉઃఆ 👉ޱ࠲ݻ༗ͷܾࡁ༻Χʔυ ࢒ߴͷ༻్͝ͱͷା෼͚ 👉ϙέοτػೳ ਺े݅ͷΠϯλϏϡʔͰ;ͨΓͰͷࢧग़؅ཧͷํ๏ΛώΞϦϯά ݸਓޱ࠲ͷ֤ػೳ͕ղܾͰ͖Δ՝୊Λ๊͍͑ͯΔέʔε΋ ຖ݄ͷࢧग़ͷৼΓฦΓ 👉݄ؒ·ͱΊϨϙʔτ

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lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ Ϣʔβʔ ϝΞυి࿩൪߸ຊਓ֬ೝ৘ใ֤छઃఆFUD ݸਓޱ࠲ ϖΞޱ࠲ ϙέοτ ೖۚɾग़ۚ Χʔυ ࢒ߴɾཤྺ ϙέοτ ೖۚɾग़ۚ Χʔυ ࢒ߴɾཤྺ

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lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ 6OTDPQFE*OTUBODFT 6OTDPQFE*OTUBODFT lޱ࠲zείʔϓʹରͯ͠ద੾ͳߟྀ͕͞Ε͍ͯͳ͍ͱ ҟͳΔޱ࠲ͷ৘ใ͕දࣔ͞ΕͨΓɺҙਤ͠ͳ͍ڍಈͷݪҼʹ΋ͳΔ දࣔ͢Δޱ࠲ͷ੾Γସ͑

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lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ "DDPVOU4DPQFΞϓϦىಈதʹ࠶ੜ੒͞Ε͏Δ ΞϓϦ಺ͷ֤ػೳͷ࣮૷ʹ͓͍ͯ͸lޱ࠲zείʔϓΛڧ͘ҙࣝ 6TFS4DPQF #BMBODF3FQPTJUPSZ 1PDLFU3FQPTJUPSZ $BSE3FQPTJUPSZ 6TFS3FQPTJUPSZ 994FUUJOHT3FQPTJUPSZ ,ZD7FSJ DBUJPO4FSWJDF %FQPTJU4FSWJDF 8JUIESBXBM4FSWJDF .POUIMZ4VNNBSZ3FQPTJUPSZ

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lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ %*ίϯςφͷΧελϜείʔϓΛ༻͍ͯΠϯελϯεΛ࠶ੜ੒ ʢJ04͸3FTPMWFS"OESPJE͸%BHHFS)JMUΛ࢖༻ʣ 6TFS4DPQFE*OTUBODFT "DDPVOU4DPQFE*OTUBODFT 6TFS4DPQFE*OTUBODFT "DDPVOU4DPQFE*OTUBODFT දࣔ͢Δޱ࠲ͷ੾Γସ͑

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lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ w Ϣʔβʔը໘ͷ৽ઃͳͲφϏήʔγϣϯͷ੔ཧ w είʔϓͷ࣮ଶͱҰக͢ΔΑ͏ʹɺ͋Β͔͡Ί   Ϣʔβʔείʔϓͷ΋ͷΛ੾Γग़ͯ͠ը໘Λߏ੒ w ϓογϡ௨஌͔Βͷޱ࠲੾Γସ͑࣌ͷߟྀ w ϖΠϩʔυʹޱ࠲ͷࣝผࢠΛؚΊͯɺ   λοϓ͞ΕͨΒޱ࠲ͷ੾Γସ͑Λߦ͏ ϖΞΧʔυͷ࣮૷࣌ʹ͓͚Δͦͷଞͷߟྀ💭

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lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ w ϖΞΧʔυʹ͓͚Δlޱ࠲zΛ෼ׂ͢ΔେݩͷΞϓϩʔν΋   ϢʔβʔϦαʔνʹج͍ܾͮͯఆ͞Εͨ΋ͷ w ϞόΠϧΞϓϦͷ࣮૷ʹ͓͍ͯ΋lޱ࠲zείʔϓΛڧ͘ҙࣝ w ֤ػೳ͕ޱ࠲ͷ੾Γସ͑࣌ʹഁ୼ͤ͞ͳ͍ͨΊͷߟྀ w ը໘΍φϏήʔγϣϯͷߏ੒΋ؚΊͯ੔߹ੑΛ୲อ ϖΞΧʔυͷઃܭ

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ϢʔβʔϏϦςΟςετΛ౿·͑ͨ   ΦϯϘʔσΟϯάϑϩʔͷվળ

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*$νοϓͱλονܾࡁ෇͖Χʔυ ݄͔Β৽͍͠#ΧʔυΛൃߦ։࢝

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*$νοϓͱλονܾࡁ෇͖Χʔυ w ͜Ε·Ͱͷ#Χʔυ͸ແྉͰఏڙ w *$νοϓͱλονܾࡁ෇͖ͷΧʔυ͸༗ྉͰͷఏڙʹͳΔ   ʢ˞*$νοϓͷ෇͍͍ͯͳ͍Χʔυ͸Ҿ͖ଓ͖ແྉͰͷఏڙʣ ձһొ࿥΍ຊਓ֬ೝ F,:$ ʹՃ͑ͯɺ   ΦϯϘʔσΟϯάϑϩʔͷதͰೖۚΛଅ͢ඞཁ͕ੜ·Εͨ

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ΦϯϘʔσΟϯάϑϩʔͷվળ Χʔυͷൃߦख਺ྉͷೖۚΛͲ͜ͰͲ͏ଅ͢΂͖͔ʁ

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ख਺ྉ෼ͷೖۚޙʹ   ൃߦϑϩʔ΁໭Δ ΦϯϘʔσΟϯάϑϩʔͷվળ w ͸͡Ί͸ΧʔυͷछྨΛબ୒͢Δը໘ͰೖۚΛଅ͢ܗͰ࣮૷ w ೖۚΛऴ͑ͨޙɺΧʔυൃߦϑϩʔʹ໭ͬͯ͘Δඞཁ͕͋ͬͨ

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ϢʔβϏϦςΟςετͷ࣮ࢪ w ౰ॳ͔ΒϢʔβʔʹཧղΛಘΒΕΔ͔ݒ೦͕ڧ͔ͬͨͨΊɺ   ձһొ࿥ʙΧʔυൃߦΛ௨ͨ͠ϢʔβϏϦςΟςετΛ࣮ࢪ w 69ϦαʔνϟʔʹΑΔߴ౓ʹϑΥʔϚοτԽ͞Εͨςετ 📝ޱ಄Ͱͷίϝϯτ΍ૢ࡞Λه࿥ 👩💻ςετʹ͸ΤϯδχΞ΋ಉ੮

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ϢʔβϏϦςΟςετͷ࣮ࢪ ϢʔβϏϦςΟςετͰෳ਺ਓ͔ΒಘΒΕͨϑΟʔυόοΫ✍ ೖۚΛͨ࣌͠఺Ͱൃߦ͕׬ྃͨ͠ͱࢥͬͨ ࣗಈೖۚͷҊ಺ͳͲ͕௚ઢతͳϑϩʔͷϊΠζʹ Χʔυൃߦ΁ͷ໭Γํ͕Θ͔Βͳ͔ͬͨ

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ΦϯϘʔσΟϯάϑϩʔͷվળ w Χʔυͷൃߦख਺ྉΛޙ͔Βೖۚ͢Δϑϩʔʹ૊Έସ͑ w &$αΠτͰͷങ͍෺ʢޙ͔ΒೖۚʣͷϝϯλϧϞσϧʹ฿Β͏ ೖۚΛ׬ྃͤ͞Δͱ Χʔυ͕ൃૹ͞ΕΔ

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ΦϯϘʔσΟϯάϑϩʔͷվળ w ϚΠΧʔυΛਃ͠ࠐ·ͣʹϖΞΧʔυΛൃߦՄೳʹ w ϖΞΧʔυͷΈΛॴ༗Ͱ͖ΔΑ͏ʹͳΔ͜ͱͰͷ   Ϣʔβʔঢ়ଶͷരൃత૿Ճ͕՝୊ w Ϣʔβʔʹͱͬͯ΋ݱࡏͷঢ়گ͕ཧղ͠ʹ͍͘😢 w ΍Δ͜ͱϦετը໘ʹΑΔ৘ใͷ੔ཧ ϢʔβϏϦςΟςετΛ౿·͑ͨͦͷଞͷվम💭

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ΦϯϘʔσΟϯάϑϩʔͷվળ w *$νοϓͱλονܾࡁ෇͖ͷΧʔυͷൃߦʹ൐ͬͯ   lΧʔυͷൃߦख਺ྉͷೖۚz͕ΦϯϘʔσΟϯάͷোนʹ w ձһొ࿥ʙΧʔυൃߦΛ௨ͨ͠ϢʔβʔϏϦςΟςετΛ࣮ࢪ w ϑΥʔϚοτԽ͞Εͨςετ͔ΒಘΒΕΔ৴པੑͷߴ͍'# w Ձ஋ͷ͋ΔςετΛඞཁͳ࣌ʹ࣮ࢪͰ͖Δମ੍Λߏங ΦϯϘʔσΟϯάϑϩʔͷվળ

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·ͱΊ

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·ͱΊ ϢʔβʔϦαʔν΍ϢʔβʔϏϦςΟςετͰಘΒΕͨ݁Ռ͕   #ΞϓϦͷ࠷ऴతͳઃܭ΍։ൃϓϩηεʹͲͷΑ͏ʹ൓ө͞Ε͍ͯΔ͔ ςʔϚ ϢʔβʔΠϯλϏϡʔ͔Β   நग़ͨ͠Ϣʔεέʔεʹج͍ͮͨ   lޱ࠲zείʔϓΛҙࣝͨ͠ઃܭͱ࣮૷ ࣄྫᶃ#ϖΞΧʔυ *$νοϓ෇͖ΧʔυͷൃߦϑϩʔͰͷ   ϢʔβʔϏϦςΟςετͷ࣮ࢪ ࣄྫᶄΦϯϘʔσΟϯάͷվળ

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͝ਗ਼ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠ʂ