ゼロからのスタートアップ立ち上げにおけるリサーチ事例 by @takejune

2022年05月28日に行われた、Research Conference2022にスマートバンクとして登壇した資料です。

「B/43（ビーヨンサン）」は「誰でも使えて、継続しやすく、リアルタイムなお金管理の方法」として2021年にリリースされた新しいサービスです。B/43はリリースまでに、国内外での100名以上へのインタビューを経て生み出されました。国内でのリサーチは現在からのボトムアップ、海外でのリサーチでは未来からのトップダウンで、プロダクトのあるべき姿を探っていきました。そして今、リリースから1年経っていないPMFに至るまでの不確実性の高い時期に、専任のUXリサーチチームの立ち上げを行っています。今回は起業家が新規事業を生み出し、成長を目指す中での取り組みと、一人目のリサーチャーがいかにしてチームで信頼を築き、ファウンダーからリサーチを引き継いでいったかをお話します。

Transcript

1. Smart, Secure, Mobile Super powered Banking and Living. θϩ͔ΒͷελʔτΞοϓ
   ্ཱͪ͛ʹ͓͚ΔϦαʔνࣄྫ 
2. Smart, Secure, Mobile Super powered Banking and Living. ࣗݾ঺հ 
3. Smart, Secure, Mobile Super powered Banking and Living.  4NBSU#BOL
   *OD
   
   $P'PVOEFS
   $90 UBLFKVOF !UBLFKVOF ࣗݾ঺հ ϑϜϑϜ'. 📻
4. Smart, Secure, Mobile Super powered Banking and Living.  4NBSU#BOL
   *OD
   
   69
   3FTFBSDIFS )BSPLB ࣗݾ঺հ
5. 4NBSU#BOL JOD
6. 㲔 Smart, Secure, Mobile Super powered Banking and Living.  ਓ͕ຊ౰ʹཉ͔ͬͨ͠΋ͷΛͭ͘Δ Purpose Create what people really wanted.
7. Smart, Secure, Mobile Super powered Banking and Living.  ૑ۀνʔϜ ୅දऔక໾
   $&0 ງҪ
   ᠳଠ ڞಉ૑ۀऀ
   $50 ງҪ
   ༤ଠ ڞಉ૑ۀऀ
   $90 UBLFKVOF
10. Smart, Secure, Mobile Super powered Banking and Living.  Ұճ໨ͷىۀ࣌୅ ࢥ͍ࠐΈͰ࡞ΔͷΛ΍ΊΔ
14. Smart, Secure, Mobile Super powered Banking and Living.  Ұճ໨ͷىۀ࣌୅ Ϣʔβʔͱର࿩͠ͳ͕Β
    αʔϏεΛܗʹ͍ͯ͘͜͠ͱͰ
    ਓ͕ཉ͕͠Δ΋ͷΛͭ͘Εͨ
15. Smart, Secure, Mobile Super powered Banking and Living. αʔϏε঺հ 
16. ϖΞޱ࠲
    w 16 ;ͨΓͷՈܭΛ·ͱΊΔ 
 ৽͍͠ޱ࠲ͱΧʔυ ϖΞޱ࠲
    ੜ׆අ؅ཧΛɺΞϓϦͰγϯϓϧʹ Ոܭ฽ϓϦΧ
    
17. Smart, Secure, Mobile Super powered Banking and Living.  ػೳ֓ཁ 7JTBϓϦϖΠυΧʔυʹνϟʔδͯ͠ࢧ෷͏ͱ
    ࢧग़͕ϦΞϧλΠϜʹՄࢹԽ͞Εͯ 
 ʮ࢒Γͷ༧ࢉʯ͕ͻͱ໨Ͱ෼͔Δ
18. 18 ;ͨΓͷՈܭΛ·ͱΊΔ 
 ڞ༗ޱ࠲ͱϓϦϖΠυΧʔυ ϖΞޱ࠲
    
19. Smart, Secure, Mobile Super powered Banking and Living.  ϖΞޱ࠲ͷओͳػೳ ຕͷΧʔυΛ 
 ୭Ͱ΋ൃߦͰ͖Δ
    ཤྺΛ
    ͓ޓ͍ʹӾཡͰ͖Δ ࢒ߴ΋ڞ༻ͳͷͰ
    ཱସਫ਼ࢉ͕ෆཁʹͳΔ
20. Smart, Secure, Mobile Super powered Banking and Living. Ͳ͏͍ͬͨϦαʔνΛܦͯ
    ݱࡏͷαʔϏε಺༰ʹࢸͬͨͷ͔ʁ  ࠓ೔͓࿩͢Δ͜ͱ
21. Smart, Secure, Mobile Super powered Banking and Living.  ৽نαʔϏε্ཱͪ͛ͷྲྀΕ ՝୊ͷൃݟ ղܾํ๏ͷߟҊ αʔϏεϩʔϯν ݕূ ن໛ͷ֦େ ऩӹԽ αʔϏεϩʔϯνલ ސ٬ͷ՝୊Λൃݟ͠ ղܾํ๏Λߟ͑Δ αʔϏεϩʔϯνޙ ՝୊ͱղܾํ๏Λݕূ͢Δ αʔϏεΛ੒௕ͤ͞Δ αʔϏεݕূޙ ▼ࠓίί
22. Smart, Secure, Mobile Super powered Banking and Living.  ৽نαʔϏε্ཱͪ͛ͷྲྀΕ ՝୊ͷൃݟ ղܾํ๏ͷߟҊ αʔϏεϩʔϯν ݕূ ن໛ͷ֦େ ऩӹԽ αʔϏεϩʔϯνલ ސ٬ͷ՝୊Λൃݟ͠ ղܾํ๏Λߟ͑Δ αʔϏεϩʔϯνޙ ՝୊ͱղܾํ๏Λݕূ͢Δ αʔϏεΛ੒௕ͤ͞Δ αʔϏεݕূޙ
23. Smart, Secure, Mobile Super powered Banking and Living. αʔϏεϩʔϯνલ
    ސ٬ͷ՝୊Λൃݟ͠ղܾํ๏Λߟ͑Δ 
24. Smart, Secure, Mobile Super powered Banking and Living.  ৽نαʔϏε্ཱͪ͛ͷྲྀΕ ՝୊ͷൃݟ ղܾํ๏ͷߟҊ αʔϏεϩʔϯν ݕূ ن໛ͷ֦େ ऩӹԽ αʔϏεϩʔϯνલ ސ٬ͷ՝୊Λൃݟ͠ ղܾํ๏Λߟ͑Δ αʔϏεϩʔϯνޙ ՝୊ͱղܾํ๏Λݕূ͢Δ αʔϏεΛ੒௕ͤ͞Δ αʔϏεݕূޙ
25. Smart, Secure, Mobile Super powered Banking and Living.  ୭ͷͲΜͳ՝୊Λղ͔͘ ϑϦϚΞϓϦΛ௨ͯ͡
    zऩೖΛ૿΍͢z
    ํ๏Λࣾձʹఏڙ Ͱ͖͕ͨ
    lࢧग़ΛݮΒ͢z
    ํ๏ʹ͸·ͩվળͷ༨஍͕͋Δ ͷͰ͸ʁ
26. Smart, Secure, Mobile Super powered Banking and Living.  ஌Γ͔ͨͬͨ͜ͱ 
    ݱࡏͲͷΑ͏ͳํ๏ͰՈܭ؅ཧ͕ߦΘΕ͍ͯΔ͔ʁ
    
    ͲΜͳਓ͕ɺͲΜͳ՝୊Λײ͍ͯ͡Δ͔ʁ
    
    ࠷΋ڧ͍՝୊Λײ͍ͯ͡Δͷ͸ͲΜͳਓ͔ͨͪʁ
27. Smart, Secure, Mobile Super powered Banking and Living.  ର໘ͰͷϦαʔν ;ͩΜͷՈܭ؅ཧɾۜߦΫϨδοτΧʔυՈܭ฽ͷར༻ܦݧΛώΞϦϯά
28. Smart, Secure, Mobile Super powered Banking and Living.  ର໘ͰͷϦαʔν ऩೖ͕গͳ͍
    ΞϧόΠτͷํ ڞ௨ͷࢧग़͕͋Δ
    ෉්ɾಉډΧοϓϧ ςοΫۀքͷ
    ΞʔϦʔΞμϓλʔ ੜ·ΕͨԾઆ͝ͱʹɺͭͷάϧʔϓʹΠϯλϏϡʔΛ࣮ࢪ
29. Smart, Secure, Mobile Super powered Banking and Living.  ର໘ͰͷϦαʔν ऩೖ͕গͳ͍
    ΞϧόΠτͷํ ڞ௨ͷࢧग़͕͋Δ
    ෉්ɾಉډΧοϓϧ ςοΫۀքͷ
    ΞʔϦʔΞμϓλʔ ͷάϧʔϓͰ໌֬ͳ՝୊͕ݟ͔ͭͬͨ
30. Smart, Secure, Mobile Super powered Banking and Living.  ຖ݄ͷऩೖ͕গͳ͍ΞϧόΠτͷํ 💳 ΫϨδοτΧʔυͷར༻͸ޙ෷͍ͷͨΊ 
 ʮࠓ݄͍͘Β࢖ͬͨͷ͔ʯΛਖ਼͘͠೺ѲͰ͖ͳ͍ 🙅 ී௨ͷՈܭ฽ΞϓϦ͸ϨγʔτͷಡΈࠐΈ΍ 
 खೖྗͷख͕ؒେ͖͘ܧଓ͕೉͍͠ 🏦 ߴػೳͳՈܭ฽ΞϓϦ͸ۜߦޱ࠲Λ࿈ܞ͢ΔͳͲ 
 Ϧςϥγʔ΋ߴ͘ஷ஝ͷ͋Δਓ޲͚ʹઃܭ͞Ε͍ͯΔ ۜߦͱΧʔυͷΞϓϦΛ
    ԟ෮ͯ͠ೖग़ۚΛϝϞ
31. Smart, Secure, Mobile Super powered Banking and Living.  ڞ௨ͷࢧग़͕͋ΔಉډΧοϓϧɹɹ ΩϟογϡϨεܾࡁ΍ۜߦͷΞϓϦ͸ 
 ೋਓͷ͏ͪҰਓ͔͠ӾཡͰ͖ͳ͍ Ո଒Χʔυ͸๏తࠗҽؔ܎͕ͳ͍ͱ࡞੒Ͱ͖ͳ͍ ཱͯସ͑ͨ͋ͱʹɺຖճΘΓ͔Μ͢Δͷ͕໘౗ ڞಉͷ෺ཧࡒ෍΍ 

32. Smart, Secure, Mobile Super powered Banking and Living.  ೥લ൒ͷঢ়گ w ίϩφՒʹͳΓɺ஌ਓ΍঺հܦ༝Ͱձ͏͜ͱ͕೉͘͠ͳͬ ͯ͠·ͬͨ
    w ಛఆͷ՝୊Λ΋ͭਓʹձ͍͍ͨͱ͍͏χʔζ͕͋ͬͨ
33. Smart, Secure, Mobile Super powered Banking and Living.  ೥લ൒ͷঢ়گ *OTUBHSBNͰՈܭ؅ཧʹؔ͢Δ౤ߘ͕૿͍͑ͯͨ
34. Smart, Secure, Mobile Super powered Banking and Living.  ೥લ൒ͷঢ়گ αʔϏεϩʔϯνΑΓ΋લʹ*OTUBHSBNͰϦϙετத৺ͷ 
 ৘ใൃ৴ΞΧ΢ϯτΛ։ઃ ※౰೔ͷΈެ։
35. Smart, Secure, Mobile Super powered Banking and Living.  ೥લ൒ͷঢ়گ ΠϯελϢʔβʔ͞Μͷ౤ߘΛ
    Ϧϙετ
    ⾣
    ؔ܎ੑߏங
    ⾣
    ΠϯλϏϡʔґཔ
    ⾣
    هࣄԽ ※౰೔ͷΈެ։
36. Smart, Secure, Mobile Super powered Banking and Living.  ೥લ൒ͷঢ়گ ΞΧ΢ϯτΛڧԽ͢Δ͜ͱͰ 
 ΠϯλϏϡʔͷड୚཰Λ্͛ͯௐࠪΛՃ଎͍ͯͬͨ͠
37. Smart, Secure, Mobile Super powered Banking and Living.  Πϯελͷઅ໿ΞΧ΢ϯτ 💳 ΫϨδοτΧʔυ͸࢖͍͗ͯ͢͠·͏ 💴 ݱۚͷ༻ҙ΍ܭࢉ͕खؒ 📓 खॻ͖ͷՈܭ฽ϊʔτ͸ଓ͚Δͷ͕೉͍͠ ͍·ͩʹݱۚͰͷ
    ା෼͚؅ཧ͕த৺
38. Smart, Secure, Mobile Super powered Banking and Living.  ࠃ಺Ϧαʔν͔Βͷֶͼ ऩೖͷগͳ͍ΞϧόΠτͷํ ෉්ɾಉډΧοϓϧ ΠϯελͷՈܭ฽ΞΧ΢ϯτ ෳ਺ͷπʔϧΛ࢖ͬͯ
    ʮ͋ͱ͍͘Β࢖͑Δ͔ʁʯΛ
    ೺Ѳ͠Α͏ͱ͍ͯ͠Δ ڞಉͷࢧग़؅ཧʹྑ͍ํ๏͕ͳ͘
    ϨγʔτͰͷཱସੜ࢈Λͨ͠Γ
    ෺ཧతͳࡒ෍Λڞ༗͍ͯ͠Δ ݱۚͰͷା෼͚؅ཧΛ
    ߦ͍ͬͯΔ
39. Smart, Secure, Mobile Super powered Banking and Living.  ࠃ಺ϦαʔνͷαʔϏε΁ͷ൓ө खೖྗͷඞཁ͕ͳ͘
    ͻͱͭͷπʔϧͰ׬݁͢Δ
    ݸਓ޲͚ͷࢧग़؅ཧ ͲΜͳؔ܎ੑͰ΋࢖͑ͯ
    ϦΞϧλΠϜʹڞ௨ͷࢧग़Λ೺ѲͰ͖Δ
    Χοϓϧ޲͚ͷࢧग़؅ཧ ΩϟογϡϨεͰ
    ໨తผʹ͓ۚΛ෼͚͓͚ͯΔ
    ା෼͚؅ཧΛσδλϧԽͨ͠ػೳ
40. Smart, Secure, Mobile Super powered Banking and Living.  ৽نαʔϏε্ཱͪ͛ͷྲྀΕ ՝୊ͷൃݟ ղܾํ๏ͷߟҊ αʔϏεϩʔϯν ݕূ ن໛ͷ֦େ ऩӹԽ αʔϏεϩʔϯνલ ސ٬ͷ՝୊Λൃݟ͠ ղܾํ๏Λߟ͑Δ αʔϏεϩʔϯνޙ ՝୊ͱղܾํ๏Λݕূ͢Δ αʔϏεΛ੒௕ͤ͞Δ αʔϏεݕূޙ
41. Smart, Secure, Mobile Super powered Banking and Living.  ೥౰࣌ͷঢ়گ Ҿ༻ݩ
    NPO[PDPN Ҿ༻ݩ
    SFWPMVUDPN Ҿ༻ݩ
    ODPN ΠΪϦεΛத৺ʹʮνϟϨϯδϟʔόϯΫʯͱݺ͹ΕΔ
    ΧʔυͱΞϓϦΛ૊Έ߹ΘͤͨۜߦαʔϏε͕୆಄͠͸͡Ί͍ͯͨ
42. Smart, Secure, Mobile Super powered Banking and Living. σεΫτοϓϦαʔνͰ͸ࢹ͑ͳ͍͜ͱ  ஌Γ͔ͨͬͨ͜ͱ
43. Smart, Secure, Mobile Super powered Banking and Living.  ஌Γ͔ͨͬͨ͜ͱ
44. Smart, Secure, Mobile Super powered Banking and Living.  ஌Γ͔ͨͬͨ͜ͱ 
    ॳظͷϢʔβʔ͸ͳͥ࢖͍࢝Ίͨͷ͔ʁ
    
    ͳͥ࢖͍ଓ͚͍ͯΔͷ͔ʁ
    
    ೔ຊͱͷ؀ڥతͳҧ͍͸ͳʹ͔ʁ
45. Smart, Secure, Mobile Super powered Banking and Living.  ΠϯλϏϡΠʔͷݟ͚ͭํ ஌ਓ͔Βͷ঺հ
    Ҿ༻ݩ
    JUNFEJBDPKQ ւ֎ࡏॅ೔ຊਓίϛϡχςΟ
    Ҿ༻ݩ
    MPDPUBCJKQ -JOLFE*O
    
    5XJUUFS
    Ҿ༻ݩ
    MJOLFEJODPN ͋ΒΏΔखஈͰւ֎αʔϏεͷϢʔβʔ΍ 
 ैۀһͱͭͳ͕ͬͯ࿩Λฉ͖ʹߦͬͨ
46. Smart, Secure, Mobile Super powered Banking and Living.  ΠϯλϏϡʔ݁ՌΛ·ͱΊͯԾઆɾػೳΞΠσΞߟҊ ※౰೔ͷΈެ։
47. Smart, Secure, Mobile Super powered Banking and Living.  ݱ஍ͷαʔϏεʹ࣮ࡍʹొ࿥
48. Smart, Secure, Mobile Super powered Banking and Living.  ݱ஍ͷܾࡁ؀ڥΛମݧ ϨϯλϧαΠΫϧ΋ ετϦʔτϛϡʔδγϟϯ΋
    Ҿ༻ݩ
    UIFWFSHFDPN ެऺτΠϨ΋
    Ҿ༻ݩ
    !MEOMPPDPEFT ͋ΒΏΔܾࡁखஈ͕ΩϟογϡϨε λονܾࡁ ʹͳ͍ͬͯͨ
49. Smart, Secure, Mobile Super powered Banking and Living.  ؀ڥͷࠩҟΛ·ͱΊͯԾઆɾػೳΞΠσΞߟҊ ※౰೔ͷΈެ։
50. Smart, Secure, Mobile Super powered Banking and Living.  ւ֎Ϧαʔν͔Βͷֶͼ ࢖͍͸͡ΊΔେ͖ͳཧ༝͸ 
 ܦࡁ߹ཧੑ ࢖͍ଓ͚Δେ͖ͳཧ༝͸
    རศੑ ΩϟογϡϨεͷීٴ౓ʹ 
 ໌֬ͳࠩҟ͋Γ
51. Smart, Secure, Mobile Super powered Banking and Living.  ւ֎ϦαʔνͷαʔϏε΁ͷ൓ө ট଴ػೳ ϦΞϧλΠϜ௨஌ɾຖ݄ͷ·ͱΊ ݱۚͷ"5.ग़ۚػೳ
52. Smart, Secure, Mobile Super powered Banking and Living. αʔϏεϩʔϯνޙ
    ՝୊ͱղܾํ๏Λݕূ͢Δ 
53. Smart, Secure, Mobile Super powered Banking and Living.  ৽نαʔϏε্ཱͪ͛ͷྲྀΕ ՝୊ͷൃݟ ղܾํ๏ͷߟҊ αʔϏεϩʔϯν ݕূ ن໛ͷ֦େ ऩӹԽ αʔϏεϩʔϯνલ ސ٬ͷ՝୊Λൃݟ͠ ղܾํ๏Λߟ͑Δ αʔϏεϩʔϯνޙ ՝୊ͱղܾํ๏Λݕূ͢Δ αʔϏεΛ੒௕ͤ͞Δ αʔϏεݕূޙ
54. Smart, Secure, Mobile Super powered Banking and Living.  Ί·͙Δ͍͠Ξοϓσʔτ ೥݄ J04൛ެ։ ݄ "OESPJE൛ެ։ ݄ ͋ͱ͹Β͍ 
 νϟʔδ ݄ ΫϨδοτ 
 Χʔυೖۚ ݄ ϖΞޱ࠲ ݄ ηϒϯۜߦ 
 "5.ೖۚ ೥݄ ఆظೖۚ
55. Smart, Secure, Mobile Super powered Banking and Living. ʮ࣮֬ʹඞཁ͕ͩɺෆ଍͍ͯ͠Δػೳʯ 
 ͷ࣮૷ʹ௥ΘΕͯݕূͷ༨༟͕ͳ͍  αʔϏεϦϦʔεޙͷ՝୊ײ
56. Smart, Secure, Mobile Super powered Banking and Living.  ஌Γ͔ͨͬͨ͜ͱ 
    ϢʔεέʔεผͷϢʔβʔͷར༻ຬ଍౓
    ⾣ϑΝ΢ϯμʔͱۀ຿ҕୗͷ1.ϝϯόʔͰ࣮ࢪ
    
    ৽ػೳͰ૝ఆ͍ͯ͠ΔϢʔβʔ՝୊ͷ࣮ࡏੑ
57. Smart, Secure, Mobile Super powered Banking and Living. 㲔    1.'ௐࠪΞϯέʔτ݁Ռ  ਓʹ഑৴ͨ͠1.'ௐࠪͷΞϯέʔτ݁Ռ͸ 
 ແ͘ͳΔͱͱͯ΋࢒೦ͷείΞ͕Λୡ੒ 1.'ௐࠪ ͱͯ΋࢒೦ ࢒೦Ͱ͸ͳ͍ ·͋·͋࢒೦ ࢖͍ͬͯͳ͍     1.'είΞ 
  ϖΞޱ࠲1.' 1.'είΞ 
  ͱͯ΋࢒೦ ·͋·͋࢒೦ ·͋·͋࢒೦ ͱͯ΋࢒೦ ࢒೦Ͱ͸ͳ͍ ࢖͍ͬͯͳ͍ ޙ෷͍1.'     1.'είΞ 
  ˞
    #
    
    ݄
    1.'ௐࠪΞϯέʔτΑΓ
58. Smart, Secure, Mobile Super powered Banking and Living.  ஌Γ͔ͨͬͨ͜ͱ 
    ϢʔεέʔεผͷϢʔβʔͷར༻ຬ଍౓
    ɹ⾣͋Δఔ౓ຬ଍͍ͯ͠Δ͜ͱ͕Θ͔ͬͨ
    ɹɹ⾣εέʔϧͷͨΊʹɺΑΓཧղΛਂΊ͍ͨ
    
    ৽ػೳͰ૝ఆ͍ͯ͠ΔϢʔβʔ՝୊ͷ࣮ࡏੑ
    ɹ
    ɹ⾣ͱͯ΋ख͕ճΒͳ͍ʜ
59. Smart, Secure, Mobile Super powered Banking and Living.  ※ஶ࡞ݖΛΫϦΞͰ͖ΔʮΞϧʯͷίϚ౤ߘػೳΛ࢖͍ͬͯ·͢
60. Smart, Secure, Mobile Super powered Banking and Living.  .FFUZͰ͝࿈བྷ͕✨
61. Smart, Secure, Mobile Super powered Banking and Living. ͓࿩ͯ͠ɺۀ຿ҕୗͱͯ͠+PJO͍ͨͩ͘͜ͱʹ😊  Ϧαʔνϟʔ͕δϣΠϯ
62. Smart, Secure, Mobile Super powered Banking and Living. Ϧαʔνʹ͸ҰՈݴ͋ΔϑΝ΢ϯμʔਓ🤔  ʮϦαʔνϟʔʯʹ͍࣋ͬͯͨΠϝʔδ
63. Smart, Secure, Mobile Super powered Banking and Living.  ʮϦαʔνϟʔʯʹ͍࣋ͬͯͨΠϝʔδ w ʮ࣮ࡍʹ՝୊Λ͍࣋ͬͯΔਓʯΛั·͖͑ͯͯ͸͘Εͳ͍ 
 ⾣ϦΫϧʔςΟϯά͸֎෦ʹ·͔͍ͤͯΔͷͰ͸ʁ
    w ͖Ε͍ʹ·ͱΊͯ͸͘ΕΔ͕ɺࣄۀʹࣔࠦΛ༩͑ͯ͘Εͳ͍ 
 ⾣Ϧαʔνख๏ʹ͸ৄ͍͕͠ɺࣄۀͷղ૾౓͕௿͍ͷͰ͸ʁ
64. Smart, Secure, Mobile Super powered Banking and Living. ࣮ࡍͲ͏ͩͬͨͷ͔ʁ  ʮϦαʔνϟʔʯʹ͍࣋ͬͯͨΠϝʔδ
65. Smart, Secure, Mobile Super powered Banking and Living.  ৽نαʔϏε্ཱͪ͛ͷྲྀΕ ՝୊ͷൃݟ ղܾํ๏ͷߟҊ αʔϏεϩʔϯν ݕূ ن໛ͷ֦େ ऩӹԽ αʔϏεϩʔϯνલ ސ٬ͷ՝୊Λൃݟ͠ ղܾํ๏Λߟ͑Δ αʔϏεϩʔϯνޙ ՝୊ͱղܾํ๏Λݕূ͢Δ αʔϏεΛ੒௕ͤ͞Δ αʔϏεݕূޙ
66. Smart, Secure, Mobile Super powered Banking and Living. 㲔 ਓ໨ͷϦαʔνϟʔͱͯ͠
    Ͳ͏ೖ͍͔ͬͯͬͨ
67. Smart, Secure, Mobile Super powered Banking and Living. ਓ໨ͷϦαʔνϟʔͱͯ͠ɺͲ͏ࡏΔͱεϚʔτόϯΫʹϑΟοτ͢Δ͔ εϚʔτόϯΫ͕େࣄʹ͖ͯͨ͠
    /ΠϯλϏϡʔจԽΛҾ͖ܧ͗ɺҭͯΔ🌳 
68. Smart, Secure, Mobile Super powered Banking and Living. lϓϩμΫτ։ൃͷ࢝఺Ͱ͋Γɺ࠷΋ॏཁͰ΋͋Δ࢓ࣄ
    /ΠϯλϏϡʔΛ௨ͯ͡ɺݱ৔ͱ໨ઢ߹ΘͤΛ͠ͳ͕ΒࣄۀΛਐΊ͖ͯͨz ʮਓ͕ཉ͕͠ΔϞϊΛͭ͘ΔʯΛ࣮ݱ͢Δ࢝఺ 
69. Smart, Secure, Mobile Super powered Banking and Living. l͜Ε·Ͱഓ͖ͬͯͨʮϢʔβʔͱର࿩͢ΔจԽʯΛҾ͖ܧ͗ɺ
    ৳͹͠ɺ૊৫ʹࠜ෇͔͍͖͍ͤͯͨz🌷 εϚʔτόϯΫͷΧϧνϟʔΛڧ͘͠ɺࢧ͑Δ 
70. Smart, Secure, Mobile Super powered Banking and Living. νʔϜϝϯόʔ͔Βͷظ଴ײ💪🔥 εϚʔτόϯΫ͕೔ຊͷۚ༥ΛਐԽͤ͞ΔͨΊʹɺϢʔβʔͷ՝୊΍χʔζΛਂ͘ཧղ͠
    ͦͷΠϯαΠτΛࣄۀͮ͘Γͱͭͳ͛ΔʮՍ͚ڮʯͷଘࡏͱͳͬͯ΄͍͠ Ϣʔβʔͷ੠ΛूΊɺӅΕͨΠϯαΠτΛݟ͚ͭͯαʔϏεΛ૑͍ͬͯ͘ɺ
    ͦΜͳεϚʔτόϯΫʹऒ͔Εͯೖࣾͨ͠͠ɺࠓޙ΋େࣄʹ͍͖͍ͯͨ͠Χϧνϟʔͩͱࢥ͍ͬͯΔ ͜Ε͔Β͞ΒʹυϥΠϒΛ͔͚ΔϑΣʔζɻ
    ͦͷ࣌ʹϢʔβʔͷ͜ͱΛߟ͑ɺ։ൃʹϑΟʔυόοΫͯ͘͠ΕΔͱ৺ڧ͍ʂ 
71. 㲔 Smart, Secure, Mobile Super powered Banking and Living. ࣄۀʹدΓఴ͏ϦαʔνͰ
    νʔϜͷՍ͚ڮͱͳΔ Theme 
72. Smart, Secure, Mobile Super powered Banking and Living. ࣗ෼ͷதͰͷςʔϚ͸ܾ·ͬͨʂ͕ʜ Ϧαʔνͷ౔৕͸੔͍ͬͯΔ͕ɺ
    ઐ໳৬ͱͯ͠ͷδϣΠϯ͸ॳ😳 
73. Smart, Secure, Mobile Super powered Banking and Living. ϦαʔνϟʔͬͯԿऀʁͲ͏઀ͨ͠Β͍͍ͷʁʹΞϓϩʔν͢ΔͨΊ ॳΊʹಘΔ΂͖͸ʮ৴པʯ🤝 
74. Smart, Secure, Mobile Super powered Banking and Living. ৴པΛಘΔͨΊʹԿΛ͔ͨ͠ʁ ɾաڈௐࠪͷਐΊํɺ׆༻ํ๏ͳͲͷྲྀΕΛ 
 ɹΩϟονΞοϓ
    ɾۚ༥ிͷௐࠪ݁ՌͳͲσεΫϦαʔν
    ɾϦαʔνʹؔΘΔ֤ϝϯόʔͱͷPO 
75. Smart, Secure, Mobile Super powered Banking and Living. գாͷ֎͔Β΋ͷΛݴ͏ؔ܎ʹͳΒͳ͍Α͏ʹ 
76. Smart, Secure, Mobile Super powered Banking and Living. 㲔 ਓ໨ͷ69Ϧαʔνϟʔͱͯ͠
    δϣΠϯ͔ͯ͠Β΍ͬͨ͜ͱ
77. Smart, Secure, Mobile Super powered Banking and Living.  δϣΠϯޙͷϦαʔν 🤝
    طଘϢʔβʔ 🆕
    ৽نϢʔβʔ طଘϢʔβʔͷղ૾౓Λ্͛ΔϦαʔνɺ৽نࣄۀͷϦαʔν
78. Smart, Secure, Mobile Super powered Banking and Living. 
79. 㲔 Smart, Secure, Mobile Super powered Banking and Living.  طଘϢʔβʔͷௐࠪ
80. Smart, Secure, Mobile Super powered Banking and Living.  ࠓճऔΓ্͛Δͷ͸ʮ#
    ϖΞޱ࠲ʯ #ϖΞޱ࠲͸ڧ͍1.'͕ݟ͓͑ͯΓɺฏۉܧଓ཰΋ߴ͍਺஋ͰਪҠ📈
    ৳ͼ͠Ζͷ͋ΔϚʔέοτͳͷͰࣄۀͱͯ͠΋ྗΛೖΕ͍͖͍ͯͨͱ͍͏ঢ়گ👫
    
81. Smart, Secure, Mobile Super powered Banking and Living.  ϦαʔνϓϩδΣΫτϝϯόʔ Ϛʔέλʔ σβΠφʔ Ϧαʔνϟʔ
82. Smart, Secure, Mobile Super powered Banking and Living. ௐࠪഎܠ ΑΓଟ͘ͷϢʔβʔʹૌٻ͍ͯͨ͘͠ΊʹҎԼΛ໌Β͔ʹͯ͠ૌٻ࣠ΛݟۃΊ͍ͨ ɾ͓٬༷͕ʮਓͷՈܭ؅ཧʯʹͲΜͳ՝୊Λ͍࣋ͬͯͯ
    ɾ#ϖΞޱ࠲͕Ͳͷఔ౓՝୊ղܾͰ͖͍ͯͯ
    ɾར༻Ձ஋ΛͲ͜ʹݟग़ͯ͘͠Ε͍ͯΔ͔ 
83. Smart, Secure, Mobile Super powered Banking and Living. ར༻Ϣʔβʔ
    w #ϖΞޱ࠲Λ࢖͏લ 
 ͲͷΑ͏ʹ͍͔ͯͨ͠
    w #ϖΞޱ࠲Λखʹऔͬͨ ͖͔͚ͬ
    w ࢖ͬͯΈͯײ͍ͯ͡ΔՁ஋  ϢʔβʔΠϯλϏϡʔΛ࣮ࢪ ະར༻Ϣʔβʔ
    w ਓͷ͓ۚͷ؅ཧɾࢧ෷͍ʹ ͓͚Δ՝୊
    w ݱঢ়ͷ-1͔ΒಘΒΕͨ৘ใ Ͱ՝୊͕Ͳͷఔ౓ղܾͦ͠ ͏͔ ΠϯλϏϡʔΛ௨ͯ͡ɺϢʔβʔ͕ݴޠԽͯ͘͠ΕͨՁ஋Λૌٻ಺༰ʹऔΓࠐΈ͍ͨ
84. Smart, Secure, Mobile Super powered Banking and Living.  ޿ࠂʹ͓͚ΔվળޮՌ όφʔ" όφʔ# όφʔ$ όφʔ"ൺֱ
    $53
    
    61 όφʔ"ൺֱ
    $53
    
    61
    $73 ొ࿥
    
    61
    $1"
    
    %08/
85. Smart, Secure, Mobile Super powered Banking and Living.  💭ۜߦޱ࠲։ઃ͢Δඞཁ͕͋Δʁ 💭ϓϦϖΠυΧʔυͬͯͳΜ͚ͩͬ…? σβΠφʔ ॳΊͯϖʔδʹ๚ΕͨϢʔβʔ͕ݟͨ࣌ʹɺαʔϏεΠϝʔδ͕͖ͭͮΒ͍͔΋ʜʁ
86. Smart, Secure, Mobile Super powered Banking and Living.  Ϣʔβʔࢹ఺Λҙࣝͯ͠ϒϥογϡΞοϓ ϒϥογϡΞοϓͷաఔʢ'JHNB্Ͱ΍ΓͱΓʣ
87. 㲔 Smart, Secure, Mobile Super powered Banking and Living.  Ϧαʔνϓϩηεͷඪ४Խ
88. Smart, Secure, Mobile Super powered Banking and Living. Ϧαʔνͷඪ४Խɺ؀ڥ੔උ΋࣮ࢪ ௐࠪܭըॻͷ࡞੒ γφϦΦͷ࡞੒ ௐ͕ࠪͲͷΑ͏ͳ໨తͰߦΘΕɺԿʹ׆༻͞ΕΔͷ͔໌จԽ͠ɺ୭Ͱ΋ݟΒΕΔΑ͏ʹ੔ཧ 
89. Smart, Secure, Mobile Super powered Banking and Living. ௐࠪͷਐΊํɿʮΘ͔Γ΍͍͢ʯʮࢀՃ͠΍͍͢ʯ ɾϦαʔνͷඪ४Խͱਐḿڞ༗
    ɾ୲౰ऀͱͷPO
    ɾ୲౰ऀʹΠϯλϏϡʔಉ੮ґཔ
    ɹ⾣ऴྃޙ͙͢ৼΓฦΓ ৼΓฦΓͷ༷ࢠ ௐࠪ֓ཁ ʜͳͲ 
90. 㲔 Smart, Secure, Mobile Super powered Banking and Living.  ͦͷଞ
91. Smart, Secure, Mobile Super powered Banking and Living. ৽نࣄۀͷ୳ࡧܕϦαʔν 👦 👩 👦 👨 👩 👧 👧 ࣗ෼ͷ஌Γ߹͍ϕʔεͰ͔݄̍ʹਓΠϯλϏϡʔ  👦 👧 👧 👦 👩 👩
92. Smart, Secure, Mobile Super powered Banking and Living. ΠϯλϏϡʔ݁Ռ෼ੳɺࣾ಺ษڧձͳͲʮϦαʔνϟʔͷಈ͖Λݟ͑ΔԽʯ ΧελϚʔαϙʔτ޲͚ࣾ಺ษڧձͷ༷ࢠ ϢʔβʔΠϯλϏϡʔ෼ੳʢϖϧιφ࡞੒ʣ 
93. Smart, Secure, Mobile Super powered Banking and Living.  ϦαʔνΛ૊ΈࠐΉ͔ͨͪͰ։ൃϓϩηεΛௐ੔ w ։ൃϓϩηε΁ͷ૊ΈࠐΈ
    w ։ൃϓϩηεͷλΠϜϥΠϯ಺ͰͷҐஔΛ͢Γ͋Θͤ
    w 1E.ͱϦαʔνఆྫΛ։࠵͠ɺϓϩδΣΫτ৘ใΛΩϟονΞοϓ Ϧαʔν σβΠϯ ࣮૷
94. Smart, Secure, Mobile Super powered Banking and Living. 㲔 Ϧαʔνϟʔೖࣾޙͷ 
 ͍·ײ͍ͯ͡Δ͜ͱ
95. Smart, Secure, Mobile Super powered Banking and Living.  ʮϦαʔνϟʔʯʹ͍࣋ͬͯͨΠϝʔδͱ࣮ࡍ w ʮ࣮ࡍʹ՝୊Λ͍࣋ͬͯΔਓʯΛั·͖͑ͯͯ͸͘Εͳ͍ 
 ⾣ࣗ෼ͷਓ຺͔ΒΠϯλϏϡΠʔΛݟ͚͖ͭͯͯ͘Εͨ
    w ͖Ε͍ʹ·ͱΊͯ͸͘ΕΔ͕ɺࣄۀʹࣔࠦΛ༩͑ͯ͘Εͳ͍ 
 ⾣ϝϯόʔ΁ͷώΞϦϯά͔Β͸͡Ίɺೖ೦ʹΩϟονΞοϓͯ͠ ͘Εͯɺ༷ʑͳܗͰࣄۀʹ޷Өڹ͕ग़࢝Ί͍ͯΔ
96. Smart, Secure, Mobile Super powered Banking and Living.  Ϧαʔνϟʔೖࣾޙʹײ͍ͯ͡Δ͜ͱ 💪 ΍Γ͔ͨͬͨϦαʔν͕࣮ߦͰ͖͍ͯΔ͚ͩͰͳ͘ 
 ΍Γ͍ͨͱݴ͏લʹɺઌճΓͯ͠ϦαʔνͷఏҊ͕ಧ͘ 💨 Ϧαʔν͕ޙճ͠ʹ͞Εͣɺ࢓༷ࡦఆͷࡐྉ͕ૣ͘ू·Γ 
 ։ൃͷεϐʔυɾਫ਼౓͕Ξοϓ͍ͯ͠Δ ♻ ۀ຿ϑϩʔվળͷαΠΫϧ͕ճΓ࢝Ί͍ͯΔ
97. Smart, Secure, Mobile Super powered Banking and Living.  ׆༻ͯ͠΋Β͍ɺࣄۀΛਪਐ͢ΔϦαʔνΛ͠ଓ͚ΔͨΊʹ 📡 ࣄۀͷະདྷʹ
    ΞϯςφΛ͸Δ ࣄۀܭը΍ૂ͍ɺ՝୊ͳͲΛ$&0ʹώΞϦϯά
    ෆ࣮֬ੑΛาΉࡍͷ伺ͱͯ͠ػೳͤ͞Δ 🏞 νʔϜϝϯόʔ͕
    ͲΜͳܠ৭Λݟ͍ͯΔ͔஌Δ ͲΜͳ໾ׂͰԿΛؾʹ͍ͯͯ͠
    Կ͕Θ͔ΔͱલʹਐΊΔ͔
    ϓϩδΣΫτʹϢʔβʔࢹ఺Λఏڙ͢Δ 👬 ϦαʔνͷϓϩηεΛ
    ڞ༗͠ɺҰॹʹߦ͏ Ϧαʔνϟʔͷಈ͖ํΛ஌ͬͯ΋Β͏
    ϦαʔνʹࢀՃͯ͠΋Β͏͜ͱͰ
    ίϥϘϨʔγϣϯ͠΍͘͢͢Δ
98. Smart, Secure, Mobile Super powered Banking and Living. ਓ໨ͷϦαʔνϟʔͱͯ͠ݟ͍͑ͯΔܠ৭⛰ ઐ໳৬ͱͯ͠Ϧʔυ͢΂͖͸ɺνʔϜϝϯόʔ͕Ϣʔβʔࢹ఺Λײ͡ͳ͕ΒϓϩμΫτʹ޲͖߹͑Δ؀ڥͮ͘Γ
    εϚʔτόϯΫͷΧϧνϟʔͷࠜװΛମݱͰ͖ΔଘࡏͰ͋Γ͍ͨ Ϧαʔν͸ɺ
    Ϧαʔνϟʔ͚ͩͷ΋ͷͰ͸ͳ͍ 
99. Smart, Secure, Mobile Super powered Banking and Living. ·ͱΊͱࠓޙͷల๬ 
100. Smart, Secure, Mobile Super powered Banking and Living.  ·ͱΊͱࠓޙͷల๬ ՝୊ͷൃݟ ղܾํ๏ͷߟҊ αʔϏεϩʔϯν ݕূ ن໛ͷ֦େ ऩӹԽ αʔϏεϩʔϯνલ ސ٬ͷ՝୊Λൃݟ͠ ղܾํ๏Λߟ͑Δ αʔϏεϩʔϯνޙ ՝୊ͱղܾํ๏Λݕূ͢Δ αʔϏεΛ੒௕ͤ͞Δ αʔϏεݕূޙ
101. Smart, Secure, Mobile Super powered Banking and Living.  ·ͱΊͱࠓޙͷల๬ ՝୊ͷൃݟ ղܾํ๏ͷߟҊ αʔϏεϩʔϯν ݕূ ن໛ͷ֦େ ऩӹԽ αʔϏεϩʔϯνલ ސ٬ͷ՝୊Λൃݟ͠ ղܾํ๏Λߟ͑Δ αʔϏεϩʔϯνޙ ՝୊ͱղܾํ๏Λݕূ͢Δ αʔϏεΛ੒௕ͤ͞Δ αʔϏεݕূޙ
102. Smart, Secure, Mobile Super powered Banking and Living.  ·ͱΊͱࠓޙͷల๬ αʔϏεϩʔϯνޙͷ 
 ૣ͍ஈ֊Ͱઐ೚ͷ69Ϧαʔνϟʔ͕ 
 ͍ͨํ͕Α͍આ
103. Smart, Secure, Mobile Super powered Banking and Living.  ·ͱΊͱࠓޙͷల๬ ՝୊ͷൃݟ ղܾํ๏ͷߟҊ αʔϏεϩʔϯν ݕূ ن໛ͷ֦େ ऩӹԽ αʔϏεϩʔϯνલ ސ٬ͷ՝୊Λൃݟ͠ ղܾํ๏Λߟ͑Δ αʔϏεϩʔϯνޙ ՝୊ͱղܾํ๏Λݕূ͢Δ αʔϏεΛ੒௕ͤ͞Δ αʔϏεݕূޙ
104. *$Χʔυɾλονܾࡁ
     ʹରԠ༧ఆ ೥݄
105. 8F
     BSF
     IJSJOH
106. Smart, Secure, Mobile Super powered Banking and Living. ͝ਗ਼ௌ͋Γ͕ͱ͏͍͟͝·ͨ͠  ࠓޙͷεϚʔτόϯΫʹ͝ظ଴͍ͩ͘͞