Strictly confidential ϑΟϯςοΫΤϯδχΞཆ੒ษڧձ#20 2021೥12݄ 1

ࣗݾ঺հ 2 Yuki Kishi وࢤɹ༏ل ৬ྺɿ 2008: Dresdner Kleinwortূ݊ 2009: υΠπۜߦάϧʔϓ 2018: Plug and Play Japan (Fintech౷ׅʣ 2020: Plug and Play Japan (Fintech + Brand&Retail౷ׅ) ֶྺɿϩϯυϯେֶܦࡁֶ෦ɺέϯϒϦοδେֶMBA ͦͷଞɿ2019೥͔ΒFintechڠձཧࣄʢελʔτΞοϓ౷ׅʣ Nikkei FinancialɺσδλϧΫϩε (࿈ࡌ) ๯಄ѫࡰ

৘ใιʔε͸Ͳ͔͜Βʁ 3 ๯಄ѫࡰ •ɹPlug and Play ͷւ֎ڌ఺ωοτϫʔΫ •ɹେܕΧϯϑΝϨϯεɿMoney2020, Singapore Fintech Festival, HK Fintech Week, •ɹւ֎ϝσΟΞܥɿFinextra, 11FS, Financial Times, Wall Street Journal, CB Insights, Pulse of Fintech by KPMG •ɹۚ༥ػؔIR৘ใ

Disclaimer 4 ຊൃද͸ԋऀͷݸਓతݟղΛࣔ͢΋ͷͰ͋Γ ॴଐ͢Δ૊৫ͷެࣜͳݟղͰ͸ͳ͍͜ͱΛ͝ཹҙ͍ͩ͘͞ The contents of this presentation represent the view of this presenter only ๯಄ѫࡰ

ຊ೔ͷςʔϚͱͯ͠ҎԼΛ࿩͍͖͍ͯͨ͠ͱࢥ͍ͬͯ·͢ʢओʹւ֎ʹ͍ͭͯޠ͍͖ͬͯ·͢ʣ 5 ɾνϟϨϯδϟʔόϯΫͷਐԽ ɾαεςφϏϦςΟ x ϑΟϯςοΫ ɾEmbedded FinanceͷՃ଎ ɾւ֎େखۚ༥ػؔͷಈ͖ (GS & JPM) ɾPayment is sexy: POWER+ ϑϨʔϜϫʔΫ ๯಄ѫࡰ

6 Fintechͷݱࡏ஍ʹ͍ͭͯ

ࢿۚௐୡֹ͸2021೥Q3ऴྃ࣌఺Ͱաڈ࠷ߴֹ2018೥Λ௒͍͑ͯΔ 7 Fintechͷݱࡏ஍ ग़ॴɿCB Insights

2021೥ϝΨϥ΢υͷελʔτΞοϓ ҰཡʢҰ෦ʣ 8 Q1’ 2021 Robinhood (US) - ख਺ྉແྉגऔҾΞϓϦ Klarna (Sweden) - BNPLʢޙ෷͍ʣ Stripe (US) - ܾࡁαʔϏε Checkout.com(US) - ࠃࡍܾࡁαʔϏε Rapyd (UK) - ๏ਓ޲͚ࠃࡍܾࡁϓϥοτϑΥʔϜ Q2’ 2021 Trade Republic (Germany) - ۚ༥঎඼औҾΞϓϦ NuBank (Brazil) - νϟϨϯδϟʔόϯΫ Scalable Capital (Germany) - ϩϘΞυ౤ࢿαʔϏε Circle (US) - ϞόΠϧܾࡁΞϓϦ Plaid (US) - ۜߦAPI Fintechͷݱࡏ஍ Q3’ 2021 Revolut (UK) - νϟϨϯδϟʔόϯΫ Chime (US) - νϟϨϯδϟʔόϯΫ Varo Bank (US) - νϟϨϯδϟʔόϯΫ FTX (Hong Kong) - Ծ૝௨՟औҾॴ Carta (US) - ࢿຊ੓ࡦ؅ཧιϑτ΢ΣΞ Q4’ 2021 Airwallex (Australia) - ΫϩεϘʔμʔܾࡁ Monzo (UK) - νϟϨϯδϟʔόϯΫ Lydia (France) - εʔύʔΞϓϦ

೔ຊͷࢿۚௐୡ্Ґ10ͷηΫλʔͰ͸ϑΟϯςοΫ෼໺͕֬ݻͨΔϙδγϣϯΛҡ࣋ 9 ਓ޻஌ೳ SaaS ϑΟϯςοΫ ΫϦʔϯςοΫ γΣΞϦϯάΤί ίϚʔε ίϯςϯπ ੡ༀɾ૑ༀ HRtech IoT 0 175 350 525 700 228 234 239 271 274 290 292 526 556 660 2020 ਓ޻஌ೳ SaaS IoT ϑΟϯςοΫ Adtech σδλϧϔϧε ϩϘοτ ίϯςϯπ ίϚʔε HRtech 275 550 825 1100 288 292 343 393 417 443 511 563 798 1,012 2019 SourceɿINITIAL ୯Ґɿԯԁ Fintechͷݱࡏ஍

2021೥1݄ʙ7݄·Ͱͷ೔ܥϑΟϯςοΫ ؔ࿈ࢿۚௐୡֹ 10 Sourceɿfor Startupsͷ৘ใΛجʹฐࣾ࡞੒ اۀ໊ ۀք ࢿۚௐୡֹ ϔΠ ঎ചͷDXԽΛࢧԉ͢ΔϓϥοτϑΥʔϜ 162ԯԁ Paidy ޙ෷͍ܾࡁαʔϏεʮPaidyʯ 131ԯԁ ωοτϓϩςΫγϣϯζ ϦεΫอূܕͷޙ෷͍ܾࡁαʔϏε 70ԯԁ σΟʔΧϨοτ Ծ૝௨՟औҾɾܾࡁαʔϏε 67ԯԁ WealthPark อ༗ෆಈ࢈ͷ؅ཧɾӡ༻αϙʔτΞϓϦ 25ԯԁ ϚωʔπϦʔ ݸਓ޲͚ࢿ࢈؅ཧΞϓϦ 26ԯԁ ΠϯϑΥΩϡϦΦϯ BaaSࣄۀɺܾࡁήʔτ΢ΣΠαʔϏεͳͲ 24ԯԁ Fintechͷݱࡏ஍

11 νϟϨϯδϟʔόϯΫɺσδλϧόϯΫͷਐԽ

νϟϨϯδϟʔόϯΫͷఆٛ 12 ఆٛɿσδλϧٕज़Λۦ࢖ͯ͠طଘͷۜߦʹ௅ઓ͢Δ৽ڵۜߦ ग़ॴɿFintech Journal νϟϨϯδϟʔόϯΫͷਐԽ

νϟϨϯδϟʔόϯΫΧΦεϚοϓ 13 νϟϨϯδϟʔόϯΫͷਐԽ νϟϨϯδϟʔόϯΫͷਐԽ

ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ 14 HQ Ξτϥϯλ, ถࠃ Series D Finance Name Greenlight Year 2014 Business Overview ʮ೥ྸ੍ݶͳ͠ʯͰల։ɻ1Ո଒͋ͨΓ݄4.99υϧͷख ਺ྉͰ5ਓ·ͰࢠڙΛొ࿥Ͱ͖ɺઐ༻ͷσϏοτΧʔυ ͱۜߦΞϓϦ͕ར༻Մೳɻ ਌ͷ໨͕ಧ͘Α͏͖Ίࡉ͔͘ઃܭ͞Ε͍ͯΔͷ͕ಛ௃ Ͱɺࢠڙ͕σϏοτΧʔυͰങ͍෺Λ͢ΔͱɺϦΞϧλ ΠϜͰ਌ʹ௨஌͕ಧ͘ɻ਌͸ͲͷళͳΒࢠڙ͕ΧʔυΛ ࢖͑Δ͔΍ɺATMͰҾ͖ग़ͤΔֹۚͷ্ݶ΋ઃఆͰ͖ ΔɻΫϨδοτΧʔυͰ͸ͳ͘σϏοτΧʔυ͚ͩʹର Ԡ͢ΔͷͰɺ਌͕͋Β͔͡ΊΞϓϦʹೖֹۚͨۚ͠Ҏ্ ʹ࢖͍͗͢Δ৺഑΋ͳ͍ νϟϨϯδϟʔόϯΫͷਐԽ νϟϨϯδϟʔόϯΫͷਐԽ

ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ 15 HQ ถࠃɹχϡʔϤʔΫ Series D Finance Name Current Year 2015 Business Overview 13ࡀҎ্Λର৅ɻ೥ؒ$36ͰϏβͷσϏοτΧʔυٴͼ ۜߦػೳ͕࢖༻Մೳɻ GreenlightΑΓ΋ػೳ͸γϯϓϧʢྫɺ౤ࢿػೳͳ͠ɺ ڭҭػೳͳ͠ʣ͕ͩɺ࠷௿༬ۚ࢒ߴͷറΓ͸ͳ͍ͳͲͷ ϕωϑΟοτ͸͋Δɻ 2021೥4݄γϦʔζDͰ͸໿242ԯԁௐୡʢධՁֹ͸ 2400ԯԁʣɺձһ਺΋ͦͷ2020೥຤࣌఺Ͱ200ສਓΛ ௒͍͑ͯΔ νϟϨϯδϟʔόϯΫͷਐԽ

ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ 16 HQ ถࠃɹΧϦϑΥϧχΞ Series C Finance Name Step Year 2018 Business Overview 13-18ࡀͷςΟʔϯੈ୅ʹର৅ΛߜΔɻख਺ྉ͸͢΂ͯແ ྉͰɺVISAΧʔυ΍ΞοϓϧϖΠͳͲΛ௨ܾͨ͡ࡁ΍ૹ ۚՄೳɻอޢऀ͕ΞϓϦʹ͓͔͍ͮ͜Λೖۚ͠ɺʮຖि ਫ༵೔ʹ20υϧʯͱ͍ͬͨΑ͏ʹֹۚ΍ස౓Λઃఆͯ͠ ͓͚͹ࣗಈͰͷೖۚ΋Մೳɻొ࿥ʹ͸εϙϯαʔͱͳΔ อޢऀ͕ඞཁͰɺอޢऀ͸ΞϓϦͰࢠڙͷࢧग़ೖΛ೺Ѳ Ͱ͖Δɻ SNSϚʔέςΟϯάͰ͸ɺएऀ޲͚ͷஶ໊ΠϯϑϧΤϯ αʔΛ׆༻ɻࡢ೥ळϩʔϯνޙɺ150ສਓొ࿥ νϟϨϯδϟʔόϯΫͷਐԽ

େखۚ༥ػؔͷ࣍ੈ୅ͱͷλονϙΠϯτΛ࡞͍ͬͯΔ 17 JP Morgan Chaseͷࣄྫɿ 2020೥10݄͔ΒʮνΣʔεɾϑΝʔε τɾόϯΩϯάʯΛ։࢝ɻGreenlightͱ࿈ ܞɻ6 - 17ࡀͷࢠڙ޲͚σϏοτΧʔυͱ ΞϓϦΛల։ HSBCͷࣄྫɿ 2020೥य़͔ΞϓϦͷʮPayMeʯͷར༻։ ࢝೥ྸΛ16ࡀʹҾ͖Լ͛ɻ νϟϨϯδϟʔόϯΫͷਐԽ

ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ 18 HQ ถࠃɹΞτϥϯλ Series A Finance Name Greenwood Bank Year 2020 Business Overview ࠇਓɺϥςϯܥ޲͚ʹಛԽͨ͠σδλϧόϯΫɻαʔϏ εϩʔϯνલ͕ͩɺ2021೥5݄຤࣌఺Ͱ55ສਓ͕΢ΣΠ τϦετʹొ࿥ɻ·ͣ͸ۜߦޱ࠲ͱՈܭ฽αʔϏεΛՆ Ҏ߱ॳΊɺ࠷ऴతʹ͸ΞϓϦ্Ͱ౤ࢿ঎඼ɺϏδωε ϩʔϯɺॅ୐ϩʔϯΛϦϦʔε͢Δ༧ఆɻ ౤ࢿՈʹ͸ΞϝϦΧେखۚ༥ػؔʢόϯΧϝɺ΢Σϧζ ϑΝʔΰɺϏβɺϚελʔΧʔυɺJPϞϧΨϯʣ΍ιϑ τόϯΫͳͲ໊͕Λ࿈Ͷɺ2021೥3݄ͷγϦʔζAͰ͸ $40Mௐୡ νϟϨϯδϟʔόϯΫͷਐԽ

ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ 19 HQ ถࠃɹΧϦϑΥϧχΞ Seed Finance Name Cheese Year 2019 Business Overview ΞδΞܥΞϝϦΧਓ޲͚ͷσδλϧόϯΫɻதࠃਓ૑ۀ ऀͷݪମݧʢൺֱతྑ͍ΫϨδοτείΞʢFICO score 800Ҏ্ʣ͋Γͳ͕Β΋௨ৗͷۜߦޱ࠲ͳͲ͕࡞ Εͳ͔ͬͨʣ͕͖͔͚ͬɻ σϏοτΧʔυɺڅ༩ઌ෷͍ʹՃ͑ɺʰGivebackʱͱݺ ͹ΕΔد෇͕͋Δɻ·ͨΞδΞܥ͕ΦʔφʔళฮͰ࢖༻ ͢Δͱ5-10%ͷΩϟογϡόοΫ͕͋Δ νϟϨϯδϟʔόϯΫͷਐԽ

ϚʔέοτಛԽܕσδλϧόϯΫࣄྫ 20 HQ ถࠃɹΧϦϑΥϧχΞ Seed Finance Name Daylight Year 2020೥9݄ Business Overview ΞϝϦΧॳͷLGBTQ+޲͚ͷσδλϧόϯΫɻݻ༗ͷχʔ ζʹԊͬͨۚ༥αʔϏεΛఏڙ༧ఆɻFinancial EqualityΛཱ֬͢ΔͨΊʹ૑ۀɻ ϓϦϖΠυͷϏβΧʔυΛϥΠηϯεϗϧμʔ ʢMetaBankʣ΍BaaSϓϨʔϠʔʢMarqetaʣͱఏܞ͠ ͯൃߦɻ 2021೥7݄࣌఺͸ϕʔλ൛Λʮ਺ઍϢʔβʔʯ͕׆༻ɻ WaitList਺͸ެද͍ͯ͠ͳ͍ ౤ࢿՈʹ͸Citi΍JPϞϧΨϯͳͲ νϟϨϯδϟʔόϯΫͷਐԽ

ϚʔέοτηάϝϯτಛԽܕͷࣄྫ 21 ΞϯόϯΫτ࿑ಇऀ޲͚ ࢠڙ͕͍Δ཭ࠗ෉්޲͚ ຊࣾɿΞϝϦΧɹΧϦϑΥϧχΞ ઃཱ೥౓ɿ2020೥ γϦʔζɿϓϨɾγʔυʢ2021೥ɹ$1.7Mʣ ౤ࢿՈɿඇެද ֓ཁɿҠຽʢҰੈ΍ೋੈʣ޲͚ͰΞϯόϯΫτ࿑ಇऀΛλʔήοτ ͱ͍ͯ͠Δɻڅ༩ઌ෷͍ɺૹۚɺσϏοτΧʔυͳͲ͕ओͳػೳɻ ໊ࣾ͸B9ʢϏʔφΠϯʣ ຊࣾɿΞϝϦΧɹΧϦϑΥϧχΞ ઃཱ೥౓ɿ2020೥ γϦʔζɿγʔυʢ2021೥ɺ$3Mʣ ౤ࢿՈɿCiti Ventures, Leter Hippeau Ventures ֓ཁɿࢠڙ͕͍Δ཭ࠗ෉්޲͚ͷՈܭ฽ΞϓϦɻίϛϡχέʔγϣ ϯΛ࠷௿ݶʹ্ͨ͠Ͱɺܦඅਫ਼ࢉͳͲ͕Մೳɻʰ͢΂ͯ͸ࢠڙͷͨ Ίʱͱ͍͏ϛογϣϯ ࢿ࢈ӡ༻ͷಈ͖

22 αεςφϏϦςΟɿ؀ڥ x ϑΟϯςοΫ

αεςφϏϦςΟʹؔ͢Δҙࣝͷҧ͍ 23 - ւ֎ͷϑΟϯςοΫΧϯϑΝϨϯεͰ͸਺೥લ͔ΒςʔϚ͕Green / Sustainability ʢྫɺ2019 Fintech Singapore Festivalʣ - Plug and PlayͰ΋”Sustainability x Fintech”Ͱͷधཁ͕͜͜਺೥ٸ଎ʹߴ·͖͍ͬͯͯΔ - ೔ຊͷݸਓ౤ࢿՈͷESGʹର͢Δؔ৺͸ɺԤถʹൺ΂ͯ௿͍ ʢྫ̍ɺԼهςʔϒϧࢀর*ɻྫ̎ɺӳࠃͰ͸2020೥Ethical FundͷചΓ্͕͛લ೥ൺ3ഒ**ʣ Ϧαʔν ೥౓ ର৅ऀ਺ ʮؔ৺͋Γ&ͲͪΒ͔ ͱ͍͏ͱ͋Γʯճ౴ ಠΞϦΞϯπɾ άϩʔόϧɾ Πϯϕελʔζ 2018೥ Ԥभݸਓ1ສਓ 75% ໺ଜΞηοτ Ϛωδϝϯτ 2020೥ ೔ຊݸਓ໿1ສਓ 30% ʢग़ॴʣ* Nikkei Financial ʮESG౤৴ʹ͘͢ͿΔෆ҆ʮςʔϚܕʯ୤͢Δࡦ͸ʯɺ** Financial TimesʮThe fintechs trying to turn investors greenʯ αεςφϏϦςΟ

Fintech ελʔτΞοϓࣄྫ 24 HQ London, UK Seed (Equity Crowd Funding) Finance Name SUGI Year 2019 Business Overview Sugi͸ɺΧʔϘϯΠϯύΫτΛνΣοΫ͠ɺ౤ ࢿΛൺֱ͠ɺΑΓ؀ڥʹ഑ྀͨ͠ϙʔτϑΥϦ ΦͷߏஙΛࢧԉ͢ΔӳࠃॳͷΞϓϦͰ͢ɻ Sugi͸԰ٱౡ΁ͷཱྀߦͰग़ձͬͨೄจਿ͔Βདྷ ͍ͯΔʢ૑ۀऀຊਓஊʣ αεςφϏϦςΟ

Fintech ελʔτΞοϓࣄྫ 25 HQ Zurich, Switzerland ௐୡ૯ֹ $12million Finance Name Yova Year 2017 Business Overview ౤ࢿՈ͕ࣗ෼ʹͱͬͯॏཁͳESG߲໨ʹैͬͯ ϙʔτϑΥϦΦߏங࡞੒Λࢧԉ ಋೖ࣌ʹΞϯέʔτͳͲΛߦ͍ɺͦͷਓͷESGʹ ର͢ΔՁ஋؍Λਫ਼ࠪɻYovaͷΞϧΰϦζϜ͕ͦ ͷਓͷر๬ʹԊͬͨ౤ࢿઓུ͕දࣔ͞ΕΔɻ࠴ ݖ΍גࣜͳͲ΁ͷ౤ࢿൺ཰͸ɺݸਓͷՁ஋؍΍ ౤ࢿ໨ඪʹҰக͢ΔΑ͏ʹ഑෼ αεςφϏϦςΟ

Fintech ελʔτΞοϓࣄྫ 26 HQ Stockholm, Sweden Unknown Finance Name Doconomy Year 2018 Business Overview اۀ޲͚ʹɺ঎඼ͷΧʔϘϯϑοτϓϦϯτ ʢCO2ഉग़ྔʣΛਝ଎͔ͭਖ਼֬ʹܭࢉͰ͖Δ ʮ2030 CalculatorʯΛແྉఏڙ ·ͨߪೖͨ͠঎඼ͷΧʔϘϯϑοτϓϦϯτ͕ ্ݶʹୡ͢ΔͱΫϨδοτΧʔυࣗମͷར༻͕ ੍ݶ͞ΕΔΧʔυʮDO BlackʯΛ্ཱ͍ͪ͛ͯ Δ αεςφϏϦςΟ

Fintech ελʔτΞοϓࣄྫ - Doconomy ࣄྫ 27 Klarna x Doconomy Mastercard x Doconomy αεςφϏϦςΟ

28 େखۚ༥ػؔͷಈ޲

Goldman Sachs is moving to Banking as a Service 29 େखۚ༥ػؔͷಈ޲

Banking as a Service (BaaS)ͱ͸ʰۚ༥ػೳͷϞδϡʔϧԽʱ 30 Banking as a Serviceʢۚ༥ػೳͷϞδϡʔϧʣ Ϋʔϙϯ ձһػೳ ஷۚ ͦͷଞ ૹۚ ۜߦ Ϣʔβʔ αʔϏε ఏڙձࣾ ޙ෷͍ ༥ࢿ ܾࡁ ຊਓ֬ೝ ޿ࠂ഑৴ αʔϏεఏڙ νϟϨϯδϟʔόϯΫͷਐԽ

Goldman SachsͷBaaSࣄۀʹ͓͚Δ֎෦࿈ܞ 31 • 2020೥4݄ʹఏܞൃද • 2020೥2݄ʹఏܞൃද • 2020೥9݄ʹఏܞൃද • 2019೥11݄ʹఏܞൃද େखۚ༥ػؔͷಈ޲

Goldman Sachs x Amazon Web Service ίϥϘ 32 େखۚ༥ػؔͷಈ޲ • ʰGoldman Sachs Financial CloudʱΛ11/30ʹൃද • “ۚ༥ػؔ͸ɺΰʔϧυϚϯɾαοΫεͷ਺े೥ʹ ΘͨΔܦݧΛ׆͔͠ɺσʔλ؅ཧ͓Αͼ෼ੳͷ՝୊ ʹऔΓ૊Ή͜ͱ͕Ͱ͖·͢ʢதུʣ౤ࢿձࣾͷ։ ൃऀ͸ɺେن໛ͳۚ༥σʔλͷ؅ཧɺղऍɺ෼ੳ ͷͨΊͷ͞·͟·ͳπʔϧͷΧελϚΠζʹଟେͳ ࣌ؒͱ࿑ྗΛඅ΍͍ͯ͠·͢ʢதུʣۚ༥ΞϓϦέ ʔγϣϯͷࢢ৔౤ೖ·Ͱͷ࣌ؒΛ୹ॖ͠ɺϦιʔε Λ࠷దԽͯ͠ϙʔτϑΥϦΦͷϦλʔϯʹूத͠ɺ ΑΓਝ଎ʹΠϊϕʔγϣϯΛ૑ग़Ͱ͖·͢ɹ” ग़ॴɿPR Times, Finextra, Goldman Sachs

JP Morgan - Payments are eating THE WORLD 33 େखۚ༥ػؔͷಈ޲

POWER+ ϑϨʔϜϫʔΫ 34 େखۚ༥ػؔͷಈ޲ • We introduce the POWER+ framework that identi fi es fi ve mega-themes (Platforms, Online, Wallets, Embedded, and Real Time) and 20 micro-themes and value-added services that are shaping the future of payments globally. These are fast-growing and deep value pools that are early-to-mid stage in terms of maturity. They o ff er tremendous potential in the years ahead.

POWER+ ϑϨʔϜϫʔΫ 35 େखۚ༥ػؔͷಈ޲ ΧςΰϦʔ αϒΧςΰϦʔ P Platform εʔύʔΞϓϦ O Online ECɺσδλϧΞΠσϯςΟςΟɺ ΪάΤίϊϛʔɺΫϦΤʔλʔΤίϊϛʔ W Wallets ϩΠϠϧςΟɺԾ૝௨՟ɺεςʔϒϧίΠϯɺCBDC E Embedded ίωΫςουΧʔɺ΢ΣΞϥϒϧɺIoTɺAR/VR/XRɺ BaaSɺωΦόϯΫɺBNPL R Real Time τϨʔυϑΝΠφϯεɺૹۚ + Value Added

POWER+ ϑϨʔϜϫʔΫ 36 େखۚ༥ػؔͷಈ޲ ΧςΰϦʔ αϒΧςΰϦʔ P Platform εʔύʔΞϓϦ O Online ECɺσδλϧΞΠσϯςΟςΟɺ ΪάΤίϊϛʔɺΫϦΤʔλʔΤίϊϛʔ W Wallets ϩΠϠϧςΟɺԾ૝௨՟ɺεςʔϒϧίΠϯɺCBDC E Embedded ίωΫςουΧʔɺ΢ΣΞϥϒϧɺIoTɺAR/VR/XRɺ BaaSɺωΦόϯΫɺBNPL R Real Time τϨʔυϑΝΠφϯεɺૹۚ + Value Added

Yuki Kishi وࢤɹ༏ل Director - Fintech, Brand & Retail Japan yuki@pnptc.com Please contact