{"id":3765,"date":"2017-09-15T20:49:08","date_gmt":"2017-09-15T11:49:08","guid":{"rendered":"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/?p=3765"},"modified":"2019-08-05T17:25:27","modified_gmt":"2019-08-05T08:25:27","slug":"noreika","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20170915\/noreika\/","title":{"rendered":"\u505c\u6ede\u3059\u308b\u7c73Fintech\u578b\u9280\u884c\u5236\u5ea6\u8b70\u8ad6"},"content":{"rendered":"<p>\u4eca\u9031\u6c34\u66dc\u3001\u7c73\u901a\u8ca8\u76e3\u7763\u5e81\u306e\u30ce\u30ec\u30a4\u30ab\u9577\u5b98\u4ee3\u884c\u306f\u3001Fintech\u4f01\u696d\u304b\u3089\u306e\u514d\u8a31\u7533\u8acb\u306b\u5bfe\u3057\u3066\u300c\u5341\u5206\u306a\u6e96\u5099\u304c\u306a\u3055\u308c\u3066\u3044\u306a\u3044\u300d\u3068\u3044\u3046\u767a\u8a00\u3092\u3057\u305f\u3068<a href=\"https:\/\/www.reuters.com\/article\/us-occ-fintech\/u-s-banking-regulator-not-ready-for-fintech-charter-applications-idUSKCN1BO2SA\" target=\"_blank\">\u5831\u9053\u3055\u308c\u3066<\/a>\u3044\u307e\u3059\u3002<\/p>\n<p><!--more--><br \/>\n\u30cb\u30e5\u30fc\u30e8\u30fc\u30af\u3067\u884c\u308f\u308c\u305fFinovate\u3067\u884c\u308f\u308c\u305f\u767a\u8a00\u3092\u610f\u8a33\u3059\u308b\u3068\u300c\u6211\u3005\uff08OCC\uff09\u306f\u307e\u3060\uff08Fintech\u578b\u306e\uff09\u514d\u8a31\u306e\u7533\u8acb\u3092\u53d7\u3051\u4ed8\u3051\u308b\u6e96\u5099\u304c\u3067\u304d\u3066\u304a\u3089\u305a\u3001\u4e8b\u696d\u306e\u7406\u89e3\u3092\u305d\u306e\u524d\u306b\u3059\u308b\u3079\u304d\u30bf\u30a4\u30df\u30f3\u30b0\u3068\u6349\u3048\u3066\u3044\u308b\u300d\u3068\u767a\u8a00\u3059\u308b\u4e00\u65b9\u3067\u3001<a href=\"https:\/\/www.varomoney.com\/\" target=\"_blank\">Varo Money<\/a>\u306a\u3069\u306e\u4e8b\u4f8b\u306e\u3088\u3046\u306b\u3001\u65e7\u6765\u578b\u306e\u9280\u884c\u514d\u8a31\u306e\u7533\u8acb\u306fFintech\u4f01\u696d\u304b\u3089\u3082\u53d7\u3051\u4ed8\u3051\u3066\u3044\u308b\u3068\u3082\u3001\u8a18\u4e8b\u3067\u306f\u8ff0\u3079\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5148\u9031\u672c\u30d6\u30ed\u30b0\u3067\u53d6\u308a\u4e0a\u3052\u305f<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20170908\/sqbank\/\" target=\"_blank\">Square\u306e\u4e8b\u4f8b<\/a>\u306f\u30e6\u30bf\u5dde\u306e\u7523\u696d\u7528\u30ed\u30fc\u30f3\u30e9\u30a4\u30bb\u30f3\u30b9\u3067\u3042\u308a\u3001SoFi\u3068\u4e26\u3093\u3060\u4e8b\u4f8b\u3067\u3059\u3002\u4e00\u65b9\u3067\u3001Varo\u306e\u4e8b\u4f8b\u306f\u9023\u90a6\u30ec\u30d9\u30eb\u3067\u306e\u7533\u8acb\u3068\u3044\u3046\u3001\u514d\u8a31\u306e\u30ec\u30a4\u30e4\u30fc\u306e\u7570\u306a\u308a\u304c\u3042\u308a\u307e\u3059\u3002OCC\u304c\u5f93\u6765\u8b70\u8ad6\u3068\u3057\u3066\u63d0\u793a\u3057\u3066\u304d\u305fFintech\u578b\u9280\u884c\u306b\u5411\u3051\u305f\u898f\u5236\u63d0\u8a00\u306f\u3001<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20170501\/stateoccsuit\/\" target=\"_blank\">\u5dde\u6cd5\u30ec\u30d9\u30eb\u3067\u306e\u898f\u5236\u5f53\u5c40\u3068\u306e\u8a34\u8a1f\u306b\u3082\u767a\u5c55<\/a>\u3057\u3066\u3044\u308b\u4e2d\u3067\u3001\u73fe\u72b6\u3001\u30c8\u30e9\u30f3\u30d7\u653f\u6a29\u306b\u3088\u308b\u91d1\u878d\u5236\u5ea6\u6539\u9769\u306e\u4e2d\u3067\u306f\u8b70\u8ad6\u304c\u505c\u6ede\u3059\u308b\u3053\u3068\u3082\u60f3\u5b9a\u901a\u308a\u306e\u30b7\u30ca\u30ea\u30aa\u3068\u3044\u3048\u308b\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u306a\u304a\u3001\u5225\u306e\u52d5\u304d\u3068\u3057\u3066\u306f<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20160819\/cfpb\/\" target=\"_blank\">Fintech\u63a8\u9032\u3092\u62c5\u3046\u653f\u5e9c\u5f53\u5c40\u3067\u3082\u3042\u308bCFPB<\/a>\u304c\u30019\u670814\u65e5\u4ed8\u3067\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u5dde\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u30ec\u30f3\u30c0\u30fcUpstart\u306b\u5bfe\u3057\u3066\u30ce\u30fc\u30a2\u30af\u30b7\u30e7\u30f3\u30ec\u30bf\u30fc\u3092\u767a\u51fa\u3057\u3066\u3044\u308b\u70b9\u304c\u6ce8\u76ee\u3055\u308c\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u540c\u793e\u304c\u5f93\u6765\u578b\u306e\u4fe1\u7528\u60c5\u5831\u306b\u52a0\u3048\u3066\u3001\u6559\u80b2\u3084\u96c7\u7528\u5c65\u6b74\u3092\u7528\u3044\u305f\u4fe1\u7528\u5224\u65ad\u3092\u3059\u308b\u3053\u3068\u306b\u5bfe\u3057\u3066\u3001\u4fe1\u7528\u6a5f\u4f1a\u5e73\u7b49\u6cd5\u306b\u306f\u62b5\u89e6\u3057\u306a\u3044\u3068\u3059\u308b\u5224\u65ad\u3092\u793a\u3057\u305f\u3082\u306e\u3068\u306a\u308a\u307e\u3059\u3002Upstart\u793e\u306f<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20170804\/isa\/\" target=\"_blank\">\u5148\u65e5\u3082\u53d6\u308a\u4e0a\u3052\u305fIncome share agreements<\/a>\u306e\u3088\u3046\u306a\u5148\u9032\u7684\u306a\uff08\u904e\u6fc0\u306a\uff1f\uff09\u30b5\u30fc\u30d3\u30b9\u3092\u51fa\u3057\u3066\u304d\u305f\u30d7\u30ec\u30fc\u30e4\u30fc\u3067\u3059\u304c\u3001\u3053\u306e\u3088\u3046\u306a\u65b0\u305f\u306a\u4fe1\u7528\u5275\u9020\u306b\u5bfe\u3057\u3066\u6b63\u5f0f\u306a\u652f\u63f4\u3092\u5f97\u305f\u5f62\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u5f53\u9762\u306e\u89b3\u6e2c\u3068\u3057\u3066\u306f\u3001\u9023\u90a6\u30ec\u30d9\u30eb\u3067\u306e\u5236\u5ea6\u6574\u5099\u306f\u3042\u307e\u308a\u9032\u5c55\u3059\u308b\u3053\u3068\u304c\u671b\u3081\u306a\u3044\u4e00\u65b9\u3067\u3001\u5dde\u653f\u5e9c\u3084\u3001\u30ce\u30f3\u30d0\u30f3\u30af\u306e\u30ec\u30a4\u30e4\u30fc\u306b\u304a\u3044\u3066\u306f\u7740\u5b9f\u306a\u9032\u5c55\u304c\u307f\u3089\u308c\u3066\u3044\u304f\u306e\u304c\u3001\u73fe\u5b9f\u7684\u306a\u76ee\u7dda\u306a\u306e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<h3>\u4eca\u9031\u306e\u8aad\u3093\u3067\u304a\u304f\u3079\u304d\u30cb\u30e5\u30fc\u30b9<\/h3>\n<p><a href=\"https:\/\/techcrunch.com\/2017\/09\/12\/chinas-ico-ban-makes-more-sense-in-light-of-its-history-with-fintech\/\" target=\"_blank\">\u4e2d\u56fd\u306b\u304a\u3051\u308bICO\u51cd\u7d50\u306b\u95a2\u3059\u308bTC\u5bc4\u7a3f\u8a18\u4e8b<\/a><br \/>\n\u4eba\u6c11\u9280\u884c\u306b\u3088\u308b\u52d5\u304d\u306f\u307b\u307c\u7c73\u56fd\u306e\u9023\u90a6\u653f\u5e9c\u3068\u540c\u69d8\u306e\u5224\u65ad\u3060\u304c\u3001\u4e00\u90e8\u306e\u30b7\u30ea\u30b3\u30f3\u30d0\u30ec\u30fc\u306e\u6295\u8cc7\u30b3\u30df\u30e5\u30cb\u30c6\u30a3\u306b\u3068\u3063\u3066\u306e\u6069\u6075\u3068\u6349\u3048\u308b\u5411\u304d\u3082\u3002\u3060\u304c\u3001\u6539\u9769\u958b\u653e\u8def\u7dda\u4ee5\u964d\u306e\u4e2d\u56fd\u306e\u653f\u7b56\u304c\u3001\u6fc0\u3057\u3044\u30b9\u30d4\u30fc\u30c9\u611f\u3067\u682a\u5f0f\u5e02\u5834\u3092\u62e1\u5927\u3057\u3066\u304d\u305f\u7d4c\u7def\u3092\u77e5\u308b\u4eba\u305f\u3061\u306e\u8996\u70b9\u304b\u3089\u306f\u3001\u5b9f\u306b\u6b63\u7d71\u6d3e\u306a\u3084\u308a\u65b9\u3068\u3044\u3046\u89e3\u91c8\u3092\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u3053\u308c\u307e\u3067\u306e<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20160805\/chinesep2p\/\" target=\"_blank\">P2P\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u5e02\u5834\u306b\u898b\u3089\u308c\u3066\u304d\u305f<\/a>\u6d3b\u6cc1\u3068\u898f\u5236\u306e\u7d4c\u7def\u3092\u898b\u3066\u3082\u3001\u73fe\u72b6\u306e\u5bfe\u5fdc\u306e\u6e29\u5ea6\u306f\u9055\u548c\u611f\u304c\u306a\u304f\u3001P2P\u878d\u8cc7\u3067\u306f\u9045\u304b\u3063\u305f\u5bfe\u5fdc\u304c\u3001\u3080\u3057\u308d\u4eca\u56de\u306f\u9069\u5207\u306a\u901f\u3055\u3067\u5c55\u958b\u3055\u308c\u305f\u3001\u3068\u3082\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><a href=\"https:\/\/www.bloomberg.co.jp\/news\/articles\/2017-09-12\/OW6USK6KLVR401\" target=\"_blank\">JP\u30e2\u30eb\u30ac\u30f3 \u30c0\u30a4\u30e2\u30f3CEO\u300c\u30d3\u30c3\u30c8\u30b3\u30a4\u30f3\u306f\u8a50\u6b3a\u300d<\/a><br \/>\n\u300c\u8a50\u6b3a\u300d\u300c\u30c1\u30e5\u30fc\u30ea\u30c3\u30d7\u30d0\u30d6\u30eb\u3088\u308a\u60aa\u3044\u300d\u300c\u4e00\u77ac\u3067\u30af\u30d3\u306b\u3059\u308b\u3002\u306a\u305c\u306a\u3089\u898f\u5247\u306b\u53cd\u3057\u3001\u30d0\u30ab\u3060\u304b\u3089\u3060\u300d<br \/>\n\u3053\u306e\u820c\u92d2\u92ed\u3044\u611f\u3058\u306f\u307b\u307c\u5148\u65e5\u306e\u30ed\u30d0\u30fc\u30c8\u30fb\u30b7\u30e9\u30fc\uff08\u6839\u62e0\u306a\u304d\u71b1\u72c2\u3084\u6295\u6a5f\u7684\u30d0\u30d6\u30eb\u306e\u3082\u3063\u3068\u3082\u3088\u3044\u4f8b\u306f\u30d3\u30c3\u30c8\u30b3\u30a4\u30f3\u3060\u3001<a href=\"https:\/\/qz.com\/1067557\/robert-shiller-wrote-the-book-on-bubbles-he-says-the-best-example-right-now-is-bitcoin\/\" target=\"_blank\">\u3068\u767a\u8a00<\/a>\uff09\u306b\u3082\u4f3c\u3066\u3044\u307e\u3059\u306d<\/p>\n<p><a href=\"http:\/\/news.xinhuanet.com\/english\/2017-09\/14\/c_136609798.htm\" target=\"_blank\">\u30de\u30ec\u30fc\u30b7\u30a2\u8a3c\u5238\u59d4\u54e1\u4f1a\u304c\u9999\u6e2f\u3001\u30c9\u30d0\u30a4\u3001\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u5f53\u5c40\u3068\u5354\u529b\u4f53\u5236\u69cb\u7bc9<\/a><br \/>\n\u4eca\u5e74\u306e\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306e\u8a3c\u5238\u5f53\u5c40\u3068\u306e\u9023\u643a\u306b\u7d9a\u304d\u52d5\u304d\u3002\u65e5\u672c\u3067\u306f\u8a3c\u5238\u95a2\u9023\u306b\u304a\u3051\u308b\u5f53\u5c40\u306e\u52d5\u304d\u306f\u4e2d\u3005\u898b\u3089\u308c\u3066\u3044\u306a\u3044\u6c17\u304c\u3057\u307e\u3059<\/p>\n<p><a href=\"https:\/\/www.wsj.com\/articles\/goldman-nabs-fintech-group-in-push-to-boost-online-lending-1505337060\" target=\"_blank\">\u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u304cMarcus\u306e\u5f37\u5316\u306e\u305f\u3081\u306b\u30aa\u30f3\u30e9\u30a4\u30f3\u30ec\u30f3\u30c0\u30fc\u3092\u8cb7\u53ce<\/a><br \/>\n<a href=\"https:\/\/bondstreet.com\/\" target=\"_blank\">Bond Street<\/a>\u3092\u8cb7\u53ce\u3002\u3053\u308c\u307e\u30673\u5104\u30c9\u30eb\u306eLOC\u3092\u30b8\u30a7\u30d5\u30ea\u30fc\u30ba\u304b\u3089\u8abf\u9054<\/p>\n<p><a href=\"http:\/\/www.businessinsider.com\/entrepreneur-fintech-neyber-goldman-sachs-how-they-did-it-2017-9\" target=\"_blank\">Neyber\u304c\u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u304b\u30891\u5104\u30c9\u30eb\u3092\u8abf\u9054<\/a><br \/>\n\u5148\u65e5\u3054\u7d39\u4ecb\u3057\u305f\u82f1\u56fd\u306e<a href=\"https:\/\/blogtaki.kinsta.moneyforward.com\/mf_blog\/20170801\/neyber\/\" target=\"_blank\">\u4fe1\u7528\u7d44\u54082.0<\/a>\u306e\u52e2\u3044\u304c\u3059\u3054\u3044\u3067\u3059\u3002\u8abf\u9054\u984d\u306b\u306f\u8ca0\u50b5\u3082\u542b\u307e\u308c\u308b<\/p>\n<p><a href=\"https:\/\/www.bizjournals.com\/sanfrancisco\/news\/2017\/09\/12\/fintech-plaid-san-francisco-technology-real-estate.html\" target=\"_blank\">Plaid\u304c\u30aa\u30d5\u30a3\u30b9\u79fb\u8ee2<\/a><br \/>\n\u4ee5\u524d\u306e2\u500d\u306e\u898f\u6a21\u3068\u306e\u3053\u3068<\/p>\n<p><a href=\"http:\/\/www.latimes.com\/business\/la-fi-cagney-sofi-20170911-story.html\" target=\"_blank\">SoFi\u306eCEO\u304c\u9000\u4efb<\/a><br \/>\n\u793e\u5185\u306b\u304a\u3051\u308b\u4eba\u4e8b\u95a2\u9023\u306e\u8a34\u8a1f\u3068\u30cd\u30ac\u30c6\u30a3\u30d6\u306a\u5831\u9053\u304c\u5f71\u97ff\u3001\u3068\u30d6\u30ed\u30b0\u3067\u8868\u660e\u3002\u30d3\u30b8\u30cd\u30b9\u30b9\u30af\u30fc\u30eb\u306e\u5148\u8f29<\/p>\n<h3>\u5c11\u3057\u524d\u306e\u5fc5\u8aad\u30ec\u30dd\u30fc\u30c8<\/h3>\n<p><a href=\"http:\/\/www3.weforum.org\/docs\/Beyond_Fintech_-_A_Pragmatic_Assessment_of_Disruptive_Potential_in_Financial_Services.pdf\" target=\"_blank\">WEF\u306b\u3088\u308bFintech\u306e\u5148\u306e\u4e16\u754c\u30ec\u30dd\u30fc\u30c8<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4eca\u9031\u6c34\u66dc\u3001\u7c73\u901a\u8ca8\u76e3\u7763\u5e81\u306e\u30ce\u30ec\u30a4\u30ab\u9577\u5b98\u4ee3\u884c\u306f\u3001Fintech\u4f01\u696d\u304b\u3089\u306e\u514d\u8a31\u7533\u8acb\u306b\u5bfe\u3057\u3066\u300c\u5341\u5206\u306a\u6e96\u5099\u304c\u306a\u3055\u308c\u3066\u3044\u306a\u3044\u300d\u3068\u3044\u3046\u767a\u8a00\u3092\u3057\u305f\u3068\u5831\u9053\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-3765","post","type-post","status-publish","format-standard","hentry","category-global"],"acf":[],"_links":{"self":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/3765","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/comments?post=3765"}],"version-history":[{"count":6,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/3765\/revisions"}],"predecessor-version":[{"id":3771,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/3765\/revisions\/3771"}],"wp:attachment":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/media?parent=3765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/categories?post=3765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/tags?post=3765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}