{"id":3382,"date":"2016-08-12T19:04:34","date_gmt":"2016-08-12T10:04:34","guid":{"rendered":"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/?p=3382"},"modified":"2019-08-05T17:55:02","modified_gmt":"2019-08-05T08:55:02","slug":"cma","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20160812\/cma\/","title":{"rendered":"\u82f1\u56fd\u306e\u9280\u884cAPI\u3092\u901a\u3058\u305f\u7af6\u4e89\u653f\u7b56"},"content":{"rendered":"

\u82f1\u56fd\u306e\u7af6\u4e89\u30fb\u5e02\u5834\u5e81\uff08CMA\uff09\u203b\u306f8\u67089\u65e5\u3001\u9280\u884c\u306e\u7af6\u4e89\u4fc3\u9032\u306b\u95a2\u3059\u308b\u30ec\u30dd\u30fc\u30c8<\/a>\u3092\u516c\u8868\u3057\u307e\u3057\u305f\u3002<\/p>\n

<\/p>\n

\u540c\u30ec\u30dd\u30fc\u30c8\u306f708\u30da\u30fc\u30b8\u3068\u5927\u90e8\u306b\u6e21\u308b\u3082\u306e\u3068\u306a\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u30b5\u30de\u30ea\u30fc<\/a>\uff08\u3068\u3044\u3063\u3066\u308255\u30da\u30fc\u30b8\u3042\u308a\u307e\u3059\uff09\u3068\u5171\u306b\u3001\u5206\u304b\u308a\u3084\u3059\u304f16\u30da\u30fc\u30b8\u306b\u30dd\u30a4\u30f3\u30c8\u306b\u89e3\u8aac\u3057\u305f\u6587\u66f8<\/a>\u304c\u516c\u8868\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30dd\u30a4\u30f3\u30c8\u89e3\u8aac\u306e\u30bf\u30a4\u30c8\u30eb\u306f\u30e9\u30c7\u30a3\u30ab\u30eb\u3067\u3042\u308a\u3001Making banks work harder for customers\u3001\u76f4\u8a33\u3059\u308c\u3070\u300c\u9867\u5ba2\u306e\u305f\u3081\u306b\u9280\u884c\u306b\u4e00\u751f\u61f8\u547d\u50cd\u304b\u305b\u308b\u305f\u3081\u306b\u306f\u300d\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u5185\u5bb9\u3068\u3057\u3066\u306f\u4e0b\u8a18\u304c\u8ff0\u3079\u3089\u308c\u3066\u3044\u307e\u3059\uff08\u4ee5\u4e0b\u3001\u610f\u8a33\u3002\u756a\u53f7\u306f\u89e3\u8aac\u6587\u66f8\u5185\u306e\u6761\u6587\u756a\u53f7\uff09<\/p>\n

\n\u30fb\u73fe\u5728\u3001\u4f1d\u7d71\u7684\u306a\u5927\u9280\u884c\u306f\u500b\u4eba\u5411\u3051\u30d3\u30b8\u30cd\u30b9\u306b\u304a\u3044\u3066\u3001\u3055\u307b\u3069\u52aa\u529b\u3057\u306a\u304f\u3066\u3082\u9867\u5ba2\u95a2\u4fc2\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u3066\u3044\u308b\uff08\uff15\uff0e\uff09
\n\u30fb\u4e00\u65b9\u3067\u3001\u9280\u884c\u696d\u306b\u53c2\u5165\u3057\u305f\u3001\u6bd4\u8f03\u7684\u65b0\u3057\u3044\u5c0f\u3055\u306a\u9280\u884c\u306f\u65b0\u3057\u3044\u30e2\u30c7\u30eb\u3084\u9769\u65b0\u7684\u306a\u5546\u54c1\u3092\u6253\u3061\u51fa\u3057\u3066\u3044\u308b\uff08\uff12\uff15\uff0e\uff09
\n\u30fb\u904e\u53bb\u306b\u63d0\u6848\u3055\u308c\u305f\u7af6\u4e89\u4fc3\u9032\u7b56\u3092\u542b\u3081\u3066\u3001\u4eca\u822c\u305d\u306e\u53d6\u308a\u7d44\u307f\u3092\u52a0\u901f\u3055\u305b\u3066\u3044\u304f\u3002\u6700\u7d42\u7684\u306b\u305d\u308c\u304c\u9867\u5ba2\u306b\u3068\u3063\u3066\u3088\u308a\u826f\u3044\u30b5\u30fc\u30d3\u30b9\u3078\u306e\u30a2\u30af\u30bb\u30b9\u306b\u7e4b\u304c\u308a\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306b\u5bfe\u3059\u308b\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u529b\u3092\u5411\u4e0a\u3055\u305b\u308b\u3082\u306e\u3068\u306a\u308b\uff08\uff16\uff0e\uff09
\n\u30fb\u9280\u884c\u53e3\u5ea7\u306e\u4e57\u63db\u306f\u73fe\u72b6\u3001\u500b\u4eba\u30673%\u3001\u6cd5\u4eba\u30674%\u3057\u304b\u884c\u308f\u308c\u3066\u3044\u306a\u3044\uff08\uff19\uff0e\uff09
\n\u30fb\u5c45\u4f4f\u7528\u4e0d\u52d5\u7523\u30ed\u30fc\u30f3\u306e\u5e02\u5834\u3067\u306f\u3001\u30c8\u30e9\u30c3\u30af\u30ec\u30b3\u30fc\u30c9\u3092\u4fdd\u6709\u3059\u308b\u4f1d\u7d71\u7684\u306a\u9280\u884c\u306e\u65b9\u304c\u3001\u8cc7\u672c\u898f\u5236\u4e0a\u512a\u9047\u3055\u308c\u3066\u3044\u308b\u5074\u9762\u304c\u3042\u308b\uff08\uff11\uff19\uff0e\uff09
\n\u30fb\u63d0\u8a00\u306e\u91cd\u8981\u306a\u57fa\u790e\u3068\u306a\u308b\u8981\u7d20\u306e\u4e00\u3064\u306f\u3001\u9280\u884c\u696d\u306b\u304a\u3051\u308bopen API standard\u306e\u9032\u5c55\u3068\u5b9f\u884c\u3067\u3042\u308b\u3002API\u5316\u306b\u3088\u308a\u3001(a)\u9280\u884c\u9867\u5ba2\u306f\u4e00\u3064\u306e\u30a2\u30d7\u30ea\u3067\u8907\u6570\u53e3\u5ea7\u3092\u7ba1\u7406\u3001(b)\u8caf\u84c4\u53e3\u5ea7\u3068\u666e\u901a\u9810\u91d1\u53e3\u5ea7\u306e\u9593\u3067\u306e\u79fb\u52d5\u3092\u5bb9\u6613\u306b\u3057\u53e3\u5ea7\u8cb8\u8d8a\u306b\u304b\u304b\u308b\u624b\u6570\u6599\u3092\u4f4e\u6e1b\u3001(c)\u5229\u7528\u5b9f\u614b\u306b\u5408\u308f\u305b\u305f\u9280\u884c\u30b5\u30fc\u30d3\u30b9\u6bd4\u8f03\u3001(d)\u8cc7\u91d1\u4e0d\u8db3\u3068\u306a\u3089\u306a\u3044\u305f\u3081\u306e\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3001(e)\u4e2d\u5c0f\u4f01\u696d\u306b\u3068\u3063\u3066\u306e\u4fe1\u7528\u60c5\u5831\u306e\u5275\u51fa\u3001\u3068\u3044\u3063\u305f\u3053\u3068\u304c\u53ef\u80fd\u3068\u306a\u308b\uff08\uff13\uff12\uff0e\uff09
\n\u30fb\u4eee\u306b\u826f\u3044\u30b5\u30fc\u30d3\u30b9\u304c\u3042\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u5c0f\u3055\u306a\u9280\u884c\u304c\u30b7\u30a7\u30a2\u3092\u4f38\u3070\u3059\u306e\u306b\u306f\u6642\u9593\u304c\u304b\u304b\u308b\u3002\u4eca\u822c\u306e\u63d0\u8a00\u3067\u3001\u9867\u5ba2\u306e\u610f\u601d\u6c7a\u5b9a\u529b\u306f\u9ad8\u307e\u308a\u3001\u65e2\u5b58\u306e\u9280\u884c\u304c\u6301\u3064\u4ea4\u6e09\u529b\u3092\u6e1b\u3089\u3059\u3053\u3068\u304c\u53ef\u80fd\u3068\u306a\u308b\u3002\u9280\u884c\u306b\u3068\u3063\u3066\u306f\u3001\u7af6\u4e89\u529b\u3092\u9ad8\u3081\u308b\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3092\u5f37\u5316\u3057\u3001\u65b0\u305f\u306a\u9280\u884c\u3084\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u8005\u306b\u3068\u3063\u3066\u306e\u53c2\u5165\u9b45\u529b\u3092\u9ad8\u3081\u308b\u3082\u306e\u3068\u306a\u308b\uff08\uff12\uff16\uff0e\uff09
\n\u30fbCMA\u306f\u9280\u884c\u3092\u6bd4\u8f03\u3059\u308b\u30b5\u30fc\u30d3\u30b9\u306e\u666e\u53ca\u30fb\u4fc3\u9032\u306e\u305f\u3081\u3001\u30d3\u30b8\u30cd\u30b9\u30b3\u30f3\u30c6\u30b9\u30c8\u306e\u5f8c\u63f4\u3092\u884c\u3046\u3002\u307e\u305f\u3001\u9280\u884c\u306b\u305d\u306e\u8cc7\u91d1\u9762\u53ca\u3073\u6280\u8853\u9762\u3067\u306e\u652f\u63f4\u3092\u884c\u3046\u3088\u3046\u306b\u8981\u8acb\u3059\u308b\uff08\uff15\uff13\uff0e\uff09\n<\/p><\/blockquote>\n

\u3053\u306e\u53d6\u308a\u7d44\u307f\u306fAPI\u3092\u901a\u3058\u3066\u3001\u9280\u884c\u9593\u306e\u30b5\u30fc\u30d3\u30b9\u6bd4\u8f03\u3084\u3001\u500b\u4eba\u30c7\u30fc\u30bf\u306e\u5229\u7528\u53ef\u80fd\u6027\u3092\u6df1\u3081\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u3088\u308a\u4fbf\u5229\u306b\u3057\u3066\u3044\u3053\u3046\u3068\u3059\u308b\u653f\u7b56\u610f\u601d\u306e\u3042\u3089\u308f\u308c\u3068\u898b\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u540c\u6642\u306b\u3001\u3053\u308c\u307e\u3067\u30b9\u30a4\u30c3\u30c1\u30f3\u30b0\u30b3\u30b9\u30c8\u304c\u9ad8\u3044\u3068\u307f\u3089\u308c\u3066\u304d\u305f\u9280\u884c\u53e3\u5ea7\u30b5\u30fc\u30d3\u30b9\u306b\u5bfe\u3057\u3066\u3001API\u53ca\u3073\u53e3\u5ea7\u4e57\u308a\u63db\u3048\u30b5\u30fc\u30d3\u30b9\u3092\u7d4c\u7531\u3057\u3066\u3001\u7af6\u4e89\u653f\u7b56\u3068\u3057\u3066\u306eFintech\u3092\u6d3b\u7528\u3057\u3088\u3046\u3068\u3059\u308b\u3001\u5f93\u6765\u304b\u3089\u540c\u56fd\u8ca1\u52d9\u7701\u304c\u53d6\u308a\u4e0a\u3052\u3066\u304d\u305f\u52d5\u304d\u3092\u78ba\u305f\u308b\u3082\u306e\u3068\u3057\u3088\u3046\u3068\u3059\u308b\u52d5\u304d\u3068\u3082\u3044\u3048\u307e\u3059\u3002<\/p>\n

\u82f1\u56fd\u3067\u306e\u9280\u884c\u696d\u306eAPI\u5316\u306b\u3064\u3044\u3066\u306f\u30012\u6708\u306b\u516c\u8868\u3055\u308c\u305f\u30aa\u30fc\u30d7\u30f3\u30c7\u30fc\u30bf\u7814\u7a76\u6240\u306eOpen Banking Standard<\/a>\u304c\u4e01\u5be7\u306a\u8ad6\u70b9\u6574\u7406\u3092\u884c\u3063\u3066\u304a\u308a\u3001\u308f\u304c\u56fd\u3067\u3082\u53c2\u8003\u3068\u3055\u308c\u3066\u304d\u307e\u3057\u305f\u3002CMA\u306e\u30ec\u30dd\u30fc\u30c8\u3067\u3082\u3001\u3053\u306e\u53d6\u308a\u7d44\u307f\u306e\u5ef6\u9577\u7dda\u3092\u7d9a\u3051\u308b\u3053\u3068\u304c\u305d\u306e\u57fa\u672c\u8def\u7dda\u3068\u306a\u3063\u3066\u3044\u308b\u4e2d\u3067\u3001\u6539\u3081\u3066\u305d\u306e\u5185\u5bb9\u304c\u6ce8\u76ee\u3055\u308c\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001Brexit\u306e\u30c6\u30fc\u30de\u304c\u6d6e\u4e0a\u3057\u3066\u4ee5\u6765\u3001\u82f1\u56fd\u306b\u304a\u3051\u308bFintech\u653f\u7b56\u306e\u4eca\u5f8c\u306f\u3001\u3088\u308a\u7a4d\u6975\u5316\u3059\u308b\u306e\u304b\u3001\u6d88\u6975\u7684\u306a\u3082\u306e\u3068\u306a\u308b\u306e\u304b\u306f\u306a\u304b\u306a\u304b\u898b\u3048\u306a\u3044\u72b6\u614b\u3067\u3082<\/a>\u3042\u308a\u307e\u3057\u305f\u3002
\n\u4eca\u56de\u306eCMA\u306e\u53d6\u308a\u7d44\u307f\u306f\u3001\u305d\u306e\u4e2d\u3067\u306f\u7a4d\u6975\u5316\u306b\u5411\u3051\u305f\u4e00\u9014\u3068\u898b\u308b\u3053\u3068\u3082\u3067\u304d\u308b\u4e2d\u3067\u3001\u4eca\u5f8c\u306e\u4e16\u754c\u89b3\u306b\u5bfe\u3059\u308b\u671f\u5f85\u3092\u6301\u305f\u305b\u308b\u3082\u306e\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n

\u203bCompetition & Markets Authority\u3001\u65e5\u672c\u306e\u516c\u6b63\u53d6\u5f15\u59d4\u54e1\u4f1a\u306e\u4e00\u90e8\u306b\u76f8\u5f53<\/p>\n

\u4eca\u9031\u306e\u8aad\u3093\u3067\u304a\u304f\u3079\u304d\u30cb\u30e5\u30fc\u30b9<\/h3>\n

API\u754c\u304b\u3089\u307f\u305f\u91d1\u878d\u306e\u512a\u79c0\u4f01\u696d\u306fBraintree\u3001Finicity\u3001Twilio<\/a>
\nBraintree\u306fVenmo<\/a>\u306e\u63d0\u4f9b\u8005<\/p>\n

BBVA\u304cHolvi\u3092\u8cb7\u53ce<\/a>
\nAtom Bank<\/a>\u3092\u306f\u3058\u3081\u3068\u3059\u308b\u4e00\u9023\u306e\u8cb7\u53ce\u306e\u4e00\u74b0<\/p>\n

Brexit\u5f8c\u3082\u697d\u89b3\u7684\u306a\u82f1\u56fdFintech\u7523\u696d<\/a><\/p>\n

\u8c6a\u9280Westpac\u304cAUD50\u767e\u4e07\u306e\u6295\u8cc7\u3092\u30b3\u30df\u30c3\u30c8<\/a><\/p>\n

Prosper\u304c50\u5104\u30c9\u30eb\u76f8\u5f53\u306e\u30ed\u30fc\u30f3\u50b5\u6a29\u58f2\u5374\u5951\u7d04\u3092\u7de0\u7d50<\/a>
\n\u30bd\u30ed\u30b9\u30fb\u30d5\u30a1\u30f3\u30c9\u30fb\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u3001\u30d5\u30a9\u30fc\u30c8\u30ec\u30b9\u7b49\u306e\u30d8\u30c3\u30b8\u30d5\u30a1\u30f3\u30c9\u304c\u540d\u3092\u9023\u306d\u308b<\/p>\n

ITPro\u300c\u4eca\u3055\u3089\u805e\u3051\u306a\u3044\u300cFinTech\u300d\u306e\u52d8\u6240\u3092\u30b5\u30af\u30c3\u3068\u3064\u304b\u30804\u518a\u300d<\/a>
\n\u5ba3\u4f1d\u3067\u3059\uff08\u3059\u307f\u307e\u305b\u3093\uff09<\/p>\n","protected":false},"excerpt":{"rendered":"

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