{"id":2588,"date":"2015-07-03T23:55:12","date_gmt":"2015-07-03T14:55:12","guid":{"rendered":"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/?p=2588"},"modified":"2019-08-07T12:35:41","modified_gmt":"2019-08-07T03:35:41","slug":"ldn","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20150703\/ldn\/","title":{"rendered":"\u3064\u3044\u306b\u30ed\u30f3\u30c9\u30f3\u3067\u751f\u307e\u308c\u305f\u300c\u30a2\u30d7\u30ea\u9280\u884c\u300d\u306e\u4e16\u754c"},"content":{"rendered":"

\"atombank\"<\/a><\/CENTER>
\n\u5148\u65e5\u3001\u82f1\u56fd\u306eFintech\u30d9\u30f3\u30c1\u30e3\u30fcAtom Bank\u306f\u3001\u30a4\u30f3\u30b0\u30e9\u30f3\u30c9\u4e2d\u9280\u304b\u3089\u9280\u884c\u696d\u514d\u8a31\u304c\u4ed8\u4e0e\u3055\u308c\u305f\u3053\u3068\u3092\u516c\u8868\u3057\u307e\u3057\u305f\u3002<\/p>\n


\n2015\u5e74\u672b\u306e\u958b\u696d\u3092\u524d\u306b\u3001Atom Bank\u306f\u30a2\u30d7\u30ea\u306e\u307f\u3092\u7528\u3044\u30663D\u6280\u8853\u3084\u30b2\u30fc\u30df\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u3001\u751f\u4f53\u8a8d\u8a3c\u306a\u3069\u3092\u99c6\u4f7f\u3057\u3001\u65b0\u3057\u3044\u6b21\u5143\u306e\u9280\u884c\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u304f\u4e88\u5b9a\u3067\u3059\u3002<\/p>\n

\u30a2\u30d7\u30ea\u9280\u884cAtom Bank\u306e\u8a95\u751f<\/h3>\n

Atom Bank\u306f\u3001\u4ee5\u524d\u3054\u7d39\u4ecb\u3057\u305fMetro Bank<\/a>\u306e\u5171\u540c\u5275\u696d\u8005Thomson\u6c0f\u3068\u3001\u5143HSBC\u306e\u30c6\u30ec\u30db\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u90e8\u9580\u9577\u3092\u52d9\u3081\u3066\u3044\u305fMullen\u6c0f\u304c\u8a2d\u7acb\u3057\u305f\u9280\u884c\u3067\u3059\u3002<\/p>\n

2010\u5e74\u306b\u65b0\u305f\u306b\u9280\u884c\u3092\u958b\u696d\u3055\u305b\u305f\u3070\u304b\u308a<\/a>\u306e\u4eba\u7269\u304c\u30012014\u5e74\u304b\u3089\u65b0\u3057\u3044\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u306b\u6311\u3093\u3067\u3044\u308b\u70b9\u3082\u30b9\u30d4\u30fc\u30c9\u611f\u306e\u3042\u308b\u52d5\u304d\u3068\u8a00\u3048\u307e\u3059\u3002<\/p>\n

Mullen\u6c0f\u306f<\/a>\u3001Atom Bank\u3067\u306f\u652f\u5e97\u7db2\u306f\u304a\u308d\u304b\u3001\u5f93\u6765\u306e\u30d6\u30e9\u30a6\u30b6\u3092\u7d4c\u7531\u3057\u305f\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u30d0\u30f3\u30ad\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u3059\u3089\u3001\u63d0\u4f9b\u3059\u308b\u53ef\u80fd\u6027\u306f\u975e\u5e38\u306b\u4f4e\u3044\u3068\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u305d\u306e\u7406\u7531\u3068\u3057\u3066\u3001\u30e6\u30fc\u30b6\u30fc\u304c\u9280\u884c\u53d6\u5f15\u306b\u6c42\u3081\u308b\u30cb\u30fc\u30ba\u306f\u3088\u308a\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u3084\u30bf\u30d6\u30ec\u30c3\u30c8\u5bc4\u308a\u306e\u3082\u306e\u3068\u306a\u3063\u3066\u3044\u308b\u3053\u3068\u3001\u307e\u305f\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u89b3\u70b9\u304b\u3089\u3082\u30a2\u30d7\u30ea\u306e\u307f\u3092\u5229\u7528\u3057\u305f\u65b9\u304c\u597d\u307e\u3057\u3044\u3053\u3068\u3092\u6319\u3052\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3053\u306e\u52d5\u304d\u306f\u3001\u682a\u5f0f\u53d6\u5f15\u306e\u4e16\u754c\u3067\u306f\u65e2\u306b\u5c55\u958b\u3055\u308c\u3066\u3044\u308b\u300c\u30a2\u30d7\u30ea\u8a3c\u5238<\/a>\u300d\u306b\u5411\u3051\u305f\u52d5\u304d\u3068\u8ecc\u3092\u4e00\u306b\u3059\u308b\u3082\u306e\u3068\u3044\u3048\u307e\u3059\u3002\u65e7\u6765\u306e\u30c1\u30e3\u30cd\u30eb\u3068\u306f\u6bb5\u9055\u3044\u306e\u9867\u5ba2\u4f53\u9a13\u3092\u3001\u30a2\u30d7\u30ea\u306e\u4e16\u754c\u306b\u3088\u3063\u3066\u63d0\u4f9b\u3057\u3088\u3046\u3068\u3059\u308b\u8a66\u307f\u306e\u4e00\u3064\u3068\u3044\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u65b0\u305f\u306aFintech\u7cfb\u9280\u884c\u306b\u306f\uff13\u3064\u306e\u985e\u5f62<\/h3>\n

Atom Bank\u3068\u540c\u69d8\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u9280\u884c\u306e\u8a2d\u7acb\u3092\u76ee\u6307\u3059\u30d9\u30f3\u30c1\u30e3\u30fcStarling\u306f\u81ea\u793e\u306e\u30d6\u30ed\u30b0\u306b\u304a\u3044\u3066\u3001Fintech\u9818\u57df\u3067\u306f\u73fe\u5728\uff13\u3064\u306e\u696d\u614b\u304c\u3042\u308b\u3068\u306e\u8ad6\u8003\u3092\u5bc4\u305b\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u82f1\u7c73\u306b\u304a\u3051\u308b\u9280\u884c\u696d\u306e\u5206\u5e03\u56f3<\/CENTER><\/STRONG>
\n\"BankingSegmentationv14-page-001\"<\/a>
\n\uff08\u51fa\u5178\uff09Starling\u793e\u30d6\u30ed\u30b0<\/a>\u3088\u308a\u5f15\u7528<\/p>\n

\u540c\u793e\u306f\u3001\u73fe\u72b6\u69d8\u3005\u306a\u30d7\u30ec\u30fc\u30e4\u30fc\u304c\u751f\u307e\u308c\u3066\u3044\u308b\u4e2d\u3001\u65b0\u3057\u3044\u696d\u614b\u306b\u3064\u3044\u3066\u306f\uff08\u56f3\u8868\u306b\u304a\u3051\u308b\u7e26\u8ef8\u306b\u6cbf\u3063\u3066\uff09<\/p>\n

\uff11\uff0e\u30aa\u30f3\u30e9\u30a4\u30f3\u578b\u306e\u6b21\u4e16\u4ee3\u578b\uff08Atom\u3084Mondo\uff08\u514d\u8a31\u7533\u8acb\u4e2d\uff09\uff09
\n\uff12\uff0e\u652f\u5e97\u3092\u6709\u3059\u308b\u65b0\u898f\u53c2\u5165\u8005\uff08Metro Bank\u3084Virgin Money\u306a\u3069\uff09
\n\uff13\uff0e\u30cd\u30aa\u30fb\u30d0\u30f3\u30af\u3068\u547c\u3070\u308c\u308b\u7b2c\u4e09\u8005\u63d0\u643a\u578b\uff08Simple\u3084Moven\u306a\u3069\uff09<\/p>\n

\u3068\u3044\u3063\u305f\u985e\u578b\u5316\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u305d\u306e\u4e2d\u3067\u3001\uff12\uff0e\u306e\u5e97\u8217\u7db2\u3092\u6709\u3059\u308b\u65b0\u898f\u53c2\u5165\u8005\u306f\u76ee\u7acb\u3063\u305f\u4ed8\u52a0\u4fa1\u5024\u3092\u63d0\u4f9b\u3067\u304d\u3066\u304a\u3089\u305a\u3001\uff13\uff0e\u30cd\u30aa\u30fb\u30d0\u30f3\u30af\u306f\u7d50\u5c40\u306e\u3068\u3053\u308d\u4ed6\u884c\u306e\u91d1\u878d\u5546\u54c1\u306b\u4f9d\u5b58\u305b\u3056\u308b\u3092\u5f97\u306a\u3044\u3053\u3068\u304b\u3089\u3001\u65b0\u898f\u306b\u514d\u8a31\u3092\u53d6\u5f97\u3059\u308b\u30aa\u30f3\u30e9\u30a4\u30f3\u578b\u30d7\u30ec\u30fc\u30e4\u30fc\u3053\u305d\u304c\u3001\u6700\u7d42\u7684\u306b\u306f\u6d88\u8cbb\u8005\u306b\u5229\u4fbf\u6027\u3092\u63d0\u4f9b\u3067\u304d\u308b\u306e\u3067\u306f\u3001\u3068\u3059\u308b\u5206\u6790\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3082\u3063\u3068\u3082\u3001Starling\u793e\u81ea\u4f53\u3082\u9806\u98a8\u306e\u767a\u5c55\u3092\u9042\u3052\u3066\u3044\u308b\u5f62\u3067\u306f\u306a\u304f\u3001\u672c\u5e742\u6708\u306b\u306f\u540c\u793e\u306e\u7d4c\u55b6\u4f53\u5236\u304c\u7a7a\u4e2d\u5206\u89e3\u3057\u305f<\/a>\u3068\u3059\u308b\u5831\u9053\u3082\u51fa\u3066\u304a\u308a\u3001\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u304c\u9280\u884c\u8a2d\u7acb\u306e\u305f\u3081\u306e\u4f53\u5236\u6574\u5099\u3092\u884c\u3046\u3053\u3068\u306f\u4e26\u5927\u62b5\u306e\u30c1\u30e3\u30ec\u30f3\u30b8\u3067\u306f\u306a\u3044\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

\u82f1\u56fd\u5f53\u5c40\u306b\u3088\u308bFintech\u4fc3\u9032<\/h3>\n

\u3053\u306e\u3088\u3046\u306a\u3001\u3042\u308b\u7a2e\u30cf\u30fc\u30c9\u30eb\u3082\u9ad8\u3044\u3088\u3046\u306b\u3082\u898b\u3048\u308b\u5275\u696d\u304c\u7d9a\u304f\u80cc\u666f\u3068\u3057\u3066\u306f\u3001\u82f1\u56fd\u306e\u91d1\u878d\u5f53\u5c40\u306e\u4e2d\u3067\u3082\u3001\u91d1\u878d\u884c\u70ba\u898f\u5236\u6a5f\u69cb\uff08FCA\uff09\u304c\u9069\u6b63\u306a\u30b5\u30fc\u30d3\u30b9\u7af6\u4e89\u304c\u884c\u308f\u308c\u308b\u3053\u3068\u3092\u4f01\u56f3\u3057\u3066\u3001\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u4fc3\u9032\u3057\u3066\u3044\u308b\u4e8b\u304c\u3042\u3052\u3089\u308c\u307e\u3059\u3002<\/p>\n

\u6628\u5e7411\u6708\u306b\u884c\u308f\u308c\u305f\u3001\u82f1\u56fdFCA\u306e\u30ea\u30c6\u30fc\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u9818\u57df\u30c7\u30a3\u30ec\u30af\u30bf\u30fc\u3067\u3042\u308bMcTeague\u6c0f\u306e\u30b9\u30d4\u30fc\u30c1<\/a>\u3067\u3082\u3001<\/p>\n

We need vigorous competition. But not just competition for competition\u2019s sake. An important part of our objective is to create consumer choice.
\n\uff08\u610f\u8a33\uff09\u6211\u3005\u306f\u6d3b\u6c17\u306e\u3042\u308b\u7af6\u4e89\u3092\u5fc5\u8981\u3068\u3057\u3066\u3044\u308b\u3002\u305f\u3060\u3057\u3001\u3053\u308c\u306f\u7af6\u4e89\u306e\u305f\u3081\u306e\u7af6\u4e89\u3067\u306f\u306a\u304f\u3001\u6d88\u8cbb\u8005\u306b\u3088\u308a\u591a\u304f\u306e\u9078\u629e\u80a2\u3092\u4e0e\u3048\u308b\u3053\u3068\u304c\u4e3b\u76ee\u7684\u3068\u3057\u3066\u3042\u308b\u3002<\/p><\/blockquote>\n

\u3068\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u4e0a\u3067\u3001\u5f53\u5c40\u306e\u53d6\u308a\u7d44\u307f\u3068\u3057\u3066\u3001\u56fd\u6c11\u306b\u3068\u308a\u3088\u308a\u826f\u3044\u30b5\u30fc\u30d3\u30b9\u5229\u7528\u304c\u53ef\u80fd\u3068\u306a\u308b\u3088\u3046\u3001\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u63a8\u9032\u30a4\u30cb\u30b7\u30a2\u30c1\u30d6Project Innovate<\/a>\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u5b9f\u969b\u306b\u3001\u30ed\u30f3\u30c9\u30f3\u306b\u304a\u3051\u308b\u5404\u7a2e\u306e\u30a4\u30f3\u30ad\u30e5\u30d9\u30fc\u30b7\u30e7\u30f3\u65bd\u8a2d\u7b49\u306b\u304a\u3044\u3066\u3082\u3001FCA\u8077\u54e1\u304c\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u306b\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u7b49\u3001\u69d8\u3005\u306a\u53d6\u308a\u7d44\u307f\u304c\u884c\u308f\u308c\u3066\u304a\u308a\u3001\u65b0\u898f\u53c2\u5165\u8005\u306b\u3068\u3063\u3066\u3082\u3001\u898f\u5236\u4e0a\u306e\u4e0d\u660e\u70b9\u304c\u65e9\u304f\u6674\u308c\u308b\u3001\u3068\u3044\u3063\u305f\u30e1\u30ea\u30c3\u30c8\u304c\u3082\u305f\u3089\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u5f37\u8abf\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3053\u306e\u3088\u3046\u306a\u52d5\u304d\u306f\u3001\u91d1\u878d\u304c\u3068\u308a\u308f\u3051\u91cd\u8981\u7523\u696d\u3067\u3082\u3042\u308b\u82f1\u56fd\u306b\u304a\u3044\u3066\u9855\u8457\u306b\u5c55\u958b\u3055\u308c\u3066\u3044\u308b\u50be\u5411\u3068\u3044\u3046\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u898f\u5236\u7523\u696d\u5074\u3067\u306e\u30d9\u30f3\u30c1\u30e3\u30fc\u53c2\u5165\u4e8b\u4f8b\u304c\u9650\u3089\u308c\u3066\u3044\u308b\u65e5\u672c\u306e\u4e8b\u60c5\u306b\u9451\u307f\u308b\u3068\u3001\u5927\u304d\u306a\u53c2\u8003\u306b\u306a\u308b\u3082\u306e\u3068\u601d\u308f\u308c\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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