{"id":4025,"date":"2019-09-27T18:52:25","date_gmt":"2019-09-27T09:52:25","guid":{"rendered":"https:\/\/moneyforward.com\/mf_blog\/?p=4025"},"modified":"2019-10-21T13:46:26","modified_gmt":"2019-10-21T04:46:26","slug":"hkma","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20190927\/hkma\/","title":{"rendered":"\u59cb\u52d5\u3059\u308b\u9999\u6e2f\u306e\u30d0\u30fc\u30c1\u30e3\u30eb\u30d0\u30f3\u30af"},"content":{"rendered":"\n<p>\u672c\u5e74\u306b\u5165\u3063\u3066\u304b\u3089\u3001\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u3067\u306fIT\u4f01\u696d\u7fa4\u306b\u5411\u3051\u305f\u300c\u30d0\u30fc\u30c1\u30e3\u30eb\u30d0\u30f3\u30af\u300d\u306e\u30e9\u30a4\u30bb\u30f3\u30b9\u767a\u884c\u304c\u76f8\u6b21\u3044\u3067\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p>\u300c\u30d0\u30fc\u30c1\u30e3\u30eb\u30d0\u30f3\u30af\u300d\u3068\u306f\u3001\u57fa\u672c\u7684\u306b\u306f\u7a93\u53e3\u3068\u306a\u308b\u5e97\u8217\u3092\u8a2d\u3051\u305a\u3001\u9867\u5ba2\u306e\u7372\u5f97\u304b\u3089\u9280\u884c\u30b5\u30fc\u30d3\u30b9\u306e\u63d0\u4f9b\u307e\u3067\u539f\u5247\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u884c\u3046\u9280\u884c\u3092\u6307\u3057\u3001\u901a\u5e38\u306e\u9280\u884c\u304c\u63d0\u4f9b\u3059\u308b\u300c\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u30d0\u30f3\u30ad\u30f3\u30b0\u300d\u3068\u306f\u7570\u306a\u308b\u6027\u8cea\u306e\u9280\u884c\u3068\u3044\u3048\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u696d\u614b\u306f\u30012018\u5e745\u6708\u307e\u3067\u884c\u308f\u308c\u305f\u691c\u8a0e\u4f1a\u53ca\u3073\u30d1\u30d6\u30b3\u30e1\u306e\u5185\u5bb9\u3092\u8e0f\u307e\u3048\u305f\u3001\u300c<a href=\"https:\/\/www.hkma.gov.hk\/media\/eng\/doc\/key-information\/guidelines-and-circular\/guideline\/guideline_eng_virtual_bank_20180608.pdf\">\u30d0\u30fc\u30c1\u30e3\u30eb\u30d0\u30f3\u30af\u306e\u627f\u8a8d\u306b\u95a2\u3059\u308b\u30ac\u30a4\u30c9\u30e9\u30a4\u30f3<\/a>\u300d\u3068\u3057\u3066\u5177\u4f53\u7684\u306a\u8a2d\u7acb\u8981\u4ef6\u306a\u3069\u304c\u793a\u3055\u308c\u3001\u5236\u5ea6\u6574\u5099\u3055\u308c\u307e\u3057\u305f\u3002<br><\/p>\n\n\n\n<p>2019\u5e745\u6708\u3001HKMA\u306f8\u793e\u3078\u306e\u30e9\u30a4\u30bb\u30f3\u30b9\u767a\u884c\u3092\u5b8c\u4e86\u3057\u3001\u3055\u3089\u306b\u306f6\uff5e9\u30f6\u6708\u4ee5\u5185\u306b\u306f\u5404\u793e\u306e\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u304c\u958b\u59cb\u3055\u308c\u308b\u4e88\u5b9a\u3067\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u3044\u308f\u3086\u308b\u300c\u9003\u4ea1\u72af\u6761\u4f8b\u300d\u306b\u95a2\u3059\u308b\u9999\u6e2f\u5f53\u5c40\u5074\u3068\u30c7\u30e2\u968a\u3068\u306e\u885d\u7a81\u4e8b\u4ef6\u306b\u3088\u308a\u3001\u81a0\u7740\u72b6\u614b\u304c\u767a\u751f\u3057\u3066\u3044\u307e\u3057\u305f\u3002\u5f53\u521d\u30012019\u5e74\u4e2d\u306e\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u306f\u96e3\u3057\u3044\u3068\u307f\u3089\u308c\u3066\u3044\u307e\u3057\u305f\u304c\u3001\u30d7\u30ec\u30fc\u30e4\u30fc\u6570\u793e\u306f\u793e\u54e1\u3084\u5bb6\u65cf\u3092\u5bfe\u8c61\u3068\u3057\u305f\u8a66\u9a13\u7684\u306a\u30b5\u30fc\u30d3\u30b9\u3092\u884c\u3044\u306a\u304c\u3089\u696d\u52d9\u4f53\u5236\u3092\u5f37\u5316\u3057\u30012020\u5e74\u521d\u982d\u3092\u76ee\u51e6\u306b\u672c\u63d0\u4f9b\u3092\u958b\u59cb\u3059\u308b\u3068<a href=\"https:\/\/www.reuters.com\/article\/hongkong-protests-banks\/hong-kong-digital-banks-launch-faces-delay-due-to-protests-sources-idUSL3N2670UH\">\u30ed\u30a4\u30bf\u30fc\u306e\u53d6\u6750\u306b\u7b54\u3048\u3066\u3044\u307e\u3059<\/a>\u3002\u30d0\u30fc\u30c1\u30e3\u30eb\u30d0\u30f3\u30af\u306e\u30e9\u30a4\u30bb\u30f3\u30b9\u53d6\u5f97\u5f8c\u306b\u306f\u3001\u878d\u8cc7\u696d\u52d9\u306b\u529b\u3092\u5165\u308c\u308b\u3068\u767a\u8868\u3059\u308b\u30d7\u30ec\u30fc\u30e4\u30fc\u3082\u8907\u6570\u51fa\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p>\u4ee5\u4e0b\u3067\u306f\u3001\u30e9\u30a4\u30bb\u30f3\u30b9\u3092\u53d6\u5f97\u3057\u305f\u4f01\u696d\u304a\u3088\u3073\u53d6\u5f97\u691c\u8a0e\u4e2d\u306e\u4f01\u696d\u306e\u30b5\u30fc\u30d3\u30b9\u5185\u5bb9\u306e\u6982\u8981\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002<br><\/p>\n\n\n\n<p><strong>\u8a8d\u53ef\u3055\u308c\u305f\u30d0\u30fc\u30c1\u30e3\u30eb\u30d0\u30f3\u30af\u306e\u6982\u8981<\/strong><br><\/p>\n\n\n\n<p><strong>Ant SME Services<\/strong><br>\u30a2\u30ea\u30d0\u30d0\u30b0\u30eb\u30fc\u30d7\u306e\u91d1\u878d\u95a2\u9023\u4f01\u696d\u3067\u3042\u308b \u30a2\u30f3\u30c8\u30fb\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u306e\u5b8c\u5168\u5b50\u4f1a\u793e\u30a2\u30ea\u30da\u30a4\u30fb\u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9\uff08\u9999\u6e2f\uff09\u306b\u3088\u3063\u3066\u9999\u6e2f\u3067\u8a2d\u7acb\u3055\u308c\u305f\u4f1a\u793e\u3002 \u4e2d\u5c0f\u4f01\u696d\u5411\u3051\u30aa\u30f3\u30e9\u30a4\u30f3\u878d\u8cc7\u3092\u4e3b\u8ef8\u306b\u636e\u3048\u308b\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p><strong>Insight Fintech<\/strong><br>\u7dcf\u5408\u5bb6\u96fb\u30e1\u30fc\u30ab\u30fc\u306e Xiaomi\u3068\u3001\u30ce\u30f3\u30d0\u30f3\u30afAMTD\u30b0\u30eb\u30fc\u30d7\u306e\u5408\u5f01\u4f01\u696d\u3067\u3001\u682a\u5f0f\u306e90%\u3092 Xiaomi\u304c\u4fdd\u6709\u3002\u9999\u6e2f\u306e\u9280\u884c\u53e3\u5ea7\u4fdd\u6709\u7387\u306f95%\uff082017\u5e74\u7d71\u8a08\uff09\u3068\u9ad8\u6c34\u6e96\u3067\u3059\u304c\u3001\u8fd1\u5e74\u306e\u5916\u56fd\u4eba\u52b4\u50cd\u8005\u5897\u52a0\u306b\u4f34\u3044\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u5fc5\u8981\u6027\u304c\u9ad8\u307e\u3063\u3066\u3044\u307e\u3059\u3002 Xiaomi\u306f\u56fd\u5185\u3067\u666e\u53ca\u3059\u308b\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u30d6\u30e9\u30f3\u30c9\u3092\u5c55\u958b\u3057\u3066\u304a\u308a\u3001IoT\u3078\u306e\u5f37\u3044\u30dd\u30b8\u30b7\u30e7\u30cb\u30f3\u30b0\u3068\u300c\u4eba\u3005\u306b\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u7528\u3044\u305f\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u697d\u3057\u3055\u3092\u4eab\u53d7\u3067\u304d\u308b\u3088\u3046\u306b\u300d\u3068\u3044\u3046\u30d3\u30b8\u30e7\u30f3\u3067\u306e\u30e2\u30c7\u30eb\u69cb\u7bc9\u304c\u9032\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p><strong>Infinium<\/strong><br>WeChat\u306a\u3069\u3092\u63d0\u4f9b\u3059\u308bTencent\u3001\u4e2d\u56fd\u56db\u5927\u5546\u696d\u9280\u884c\u306e\u4e00\u89d2\u3067\u3042\u308b\u4e2d\u56fd\u5de5\u5546\u9280\u884c\u3084\u6295\u8cc7\u7ba1\u7406\u4f1a\u793e\u306eHillhouse Capital Group\u3001\u9999\u6e2f\u8a3c\u5238\u53d6\u5f15\u6240\u3001New World Development\u306e\u30bc\u30cd\u30e9\u30eb\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u306e\u30a8\u30a4\u30c9\u30ea\u30a2\u30f3\u30fb\u30c1\u30a7\u30f3\u6c0f\u3089\u306e\u51fa\u8cc7\u306b\u3088\u308b\u5408\u5f01\u4f01\u696d\u3002\u6c7a\u6e08\u3001\u9280\u884c\u696d\u52d9\u3001\u6295\u8cc7\u3001\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u652f\u63f4\u306a\u3069\u3001\u51fa\u8cc7\u5404\u793e\u304c\u5c02\u9580\u5206\u91ce\u3054\u3068\u306b\u30b5\u30dd\u30fc\u30c8\u3057\u3001\u91d1\u878d\u306e\u30d5\u30eb\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u3092\u4e88\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u5916\u56fd\u4eba\u52b4\u50cd\u8005\u3084\u30a2\u30f3\u30d0\u30f3\u30af\u30c8\u5c64\u304c\u5c11\u984d\u306e\u30c7\u30dd\u30b8\u30c3\u30c8\u3067\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u5229\u7528\u3067\u304d\u308b\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u306b\u3082\u7a4d\u6975\u7684\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p><strong>Livi VB<\/strong><br>\u9999\u6e2f\u7b2c2\u4f4d\u306e\u7dcf\u8cc7\u7523\u3092\u4fdd\u6709\u3059\u308b\u4e2d\u56fd\u9280\u884c\uff08\u9999\u6e2f\uff09\u3001\u91d1\u878d\u53ca\u3073\u7269\u6d41\u7523\u696d\u306e\u30c7\u30b8\u30bf\u30eb\u30c6\u30c3\u30af\u30d7\u30ec\u30fc\u30e4\u30fcJD Digits\u3001\u9999\u6e2f\u3092\u4e2d\u5fc3\u3068\u3059\u308b\u82f1\u56fd\u306e\u30b3\u30f3\u30b0\u30ed\u30de\u30ea\u30c3\u30c8Jardines\u306e3\u793e\u306e\u5408\u5f01\u4f01\u696d\u3002AI\u3001\u30d3\u30c3\u30b0\u30c7\u30fc\u30bf\u3001\u30d6\u30ed\u30c3\u30af\u30c1\u30a7\u30fc\u30f3\u306a\u3069\u6ce8\u76ee\u5ea6\u306e\u9ad8\u3044\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u6d3b\u7528\u3057\u305f\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u3092\u69cb\u7bc9\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u91d1\u878d\u3068\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb\u5206\u91ce\u306e\u89aa\u548c\u6027\u3084\u88dc\u5b8c\u6027\u306b\u3082\u6ce8\u76ee\u3057\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p style=\"text-align:left\"><strong>Ping An One Connect<\/strong><br>\u4fdd\u967a\u4f1a\u793e\u3068\u3057\u3066\u306f\u4e2d\u56fd\u6700\u5927\u306e\u6642\u4fa1\u7dcf\u984d\u3092\u8a87\u308b\u5e73\u5b89\u4fdd\u967a\u306e\u4e00\u90e8\u9580\u3068\u3057\u3066\u8a2d\u7f6e\u3055\u308c\u3001\u3053\u308c\u307e\u30672300\u4ee5\u4e0a\u306e\u4e2d\u5c0f\u91d1\u878d\u6a5f\u95a2\u306e\u696d\u52d9\u52b9\u7387\u5316\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u63d0\u4f9b\u3059\u308b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u4e0a\u306e\u53d6\u5f15\u91cf\u306f\u7d04200\u5146\u5186\u4ee5\u4e0a\uff082018\u5e74\u6642\u70b9\uff09\u3092\u9054\u6210\u3057\u3001\u9867\u5ba2\u6570\u3082\u5897\u52a0\u3057\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u4eba\u5de5\u77e5\u80fd\u3084\u30af\u30e9\u30a6\u30c9\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3001\u30d0\u30a4\u30aa\u30e1\u30c8\u30ea\u30af\u30b9\u8a8d\u8a3c\u3092\u6d3b\u7528\u3057\u305f\u9280\u884c\u30e2\u30c7\u30eb\u3092\u4e88\u5b9a\u3057\u3066\u304a\u308a\u3001\u4e2d\u56fd\u672c\u571f\u3092\u62e0\u70b9\u3068\u3059\u308b\u5e73\u5b89\u4fdd\u967a\u304b\u3089One Connect\u793e\u3092\u9999\u6e2f\u3067\u72ec\u7acb\u3055\u305b\u30012019\u5e74\u4e2d\u306e\u9999\u6e2f\u8a3c\u5238\u53d6\u5f15\u6240\u4e0a\u5834\u3092\u76ee\u6307\u3059\u3068\u660e\u8a00\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p><strong>SC Digital<\/strong><br>\u901a\u4fe1\u4e8b\u696d\u8005\u3068\u3057\u3066\u9999\u6e2f\u6700\u5927\u306eHKT\u3001\u4e0d\u52d5\u7523\u958b\u767a\u306b\u3082\u529b\u3092\u5165\u308c\u308b\u901a\u4fe1\u7cfb\u4f01\u696d\u306ePCCW\u3001\u4e2d\u56fd\u6700\u5927\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u65c5\u884c\u4f1a\u793e Ctrip Hong Kong\u3001\u767a\u5238\u9280\u884c\u3067\u3082\u3042\u308b\u30b9\u30bf\u30f3\u30c0\u30fc\u30c9\u30c1\u30e3\u30fc\u30bf\u30fc\u30c9\u9280\u884c\u306e\u5408\u5f01\u4f01\u696d\u3068\u3057\u3066\u8a2d\u7acb\u3055\u308c\u307e\u3057\u305f\u3002\u30aa\u30f3\u30e9\u30a4\u30f3\u4e0a\u3067\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306b\u30a2\u30af\u30bb\u30b9\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u901a\u4fe1\u95a2\u9023\u30b5\u30fc\u30d3\u30b9\u3084\u65c5\u884c\u30b5\u30fc\u30d3\u30b9\u306a\u3069\u3068\u7d44\u307f\u5408\u308f\u305b\u3001\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb\u306e\u63d0\u4f9b\u3092\u542b\u3081\u305f\u6226\u7565\u3092\u7acb\u3066\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n\n\n\n<p><strong>WeLab<\/strong><br>WeLab\u306f\u552f\u4e00\u81ea\u793e\u3060\u3051\u3067\u30d0\u30fc\u30c1\u30e3\u30eb\u30d0\u30f3\u30af\u3092\u5c55\u958b\u4e88\u5b9a\u306e\u4f01\u696d\u3067\u3059\u3002\u9999\u6e2f\u3067WeLend\u3068\u3044\u3046P2P\u30aa\u30f3\u30e9\u30a4\u30f3\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u904b\u55b6\u3057\u3066\u304a\u308a\u30012017\u5e7410\u6708\u306b\u30b7\u30ea\u30fc\u30baB\u30672\u51042000\u4e07\u7c73\u30c9\u30eb\u306e\u8cc7\u91d1\u8abf\u9054\u3092\u5b9f\u65bd\u3001 \u9999\u6e2f\u306eFintech\u30e1\u30c7\u30a3\u30a2\u306b\u3088\u308b\u300c\u9999\u6e2f\u306eFintech\u4f01\u696dTOP20\u300d\u306b\u3082\u9078\u51fa\u3055\u308c\u308b\u306a\u3069\u6025\u6210\u9577\u3092\u9042\u3052\u308b\u30d7\u30ec\u30fc\u30e4\u30fc\u3068\u3057\u3066\u6ce8\u76ee\u3092\u96c6\u3081\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p><strong>ZhongAn Virtual Finance<\/strong><br>ZhonAn Virtual Finance Limited\u306f\u4e2d\u56fd\u672c\u571f\u306b\u62e0\u70b9\u3092\u7f6e\u304f ZhonAn\uff08\u8846\u5b89\uff09Technologies\u3000International\u3092\u89aa\u4f1a\u793e\u306b\u6301\u3061\u3001\u4eca\u56de\u306e\u8a8d\u53ef\u3067\u9999\u6e2f\u3067\u306e\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u304c\u53ef\u80fd\u3068\u306a\u308a\u307e\u3057\u305f\u3002ZhonAn International\u306e\u4ee3\u8868\u3067\u3042\u308b\u30a6\u30a7\u30a4\u30f3\u6c0f\u306f\u3001\u7fd2\u8fd1\u5e73\u653f\u6a29\u304c2014\u5e74\u306b\u63d0\u5531\u3057\u305f\u7d4c\u6e08\u570f\u69cb\u60f3\u300c\u4e00\u5e2f\u4e00\u8def\u69cb\u60f3\u300d\u3068\u300c\u30b0\u30ec\u30fc\u30bf\u30fc\u30d9\u30a4\u69cb\u60f3\u300d\u3092\u53d6\u308a\u4e0a\u3052\u305f\u4e0a\u3067\u300c2\u3064\u306e\u7d4c\u6e08\u570f\u304c\u91cd\u306a\u308a\u3001\u56fd\u969b\u91d1\u878d\u30bb\u30f3\u30bf\u30fc\u53ca\u3073\u30d3\u30b8\u30cd\u30b9\u30cf\u30d6\u3067\u3082\u3042\u308b\u9999\u6e2f\u3067\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u4e8b\u696d\u3092\u7acb\u3061\u4e0a\u3052\u308b\u91cd\u8981\u306a\u4e00\u6b69\u3067\u3042\u308a\u3001\u9999\u6e2f\u304b\u3089\u4e16\u754c\u4e2d\u306e\u30e6\u30fc\u30b6\u30fc\u306b\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3067\u304d\u308b\u300d\u3068\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\u4eca\u56de\u306e\u30e9\u30a4\u30bb\u30f3\u30b9\u4ed8\u4e0e\u306b\u5148\u7acb\u30642019\u5e741\u6708\u306b\u306f\u3001\u914d\u8eca\u30a2\u30d7\u30ea\u3092\u63d0\u4f9b\u3059\u308bGrab\u793e\u3068\u63d0\u643a\u3057\u3066\u304a\u308a\u3001\u81ea\u52d5\u8eca\u4fdd\u967a\u304b\u3089\u533b\u7642\u9818\u57df\u306b\u81f3\u308b\u307e\u3067\u591a\u69d8\u306a\u91d1\u878d\u5546\u54c1\u3092\u9867\u5ba2\u306b\u63d0\u4f9b\u3057\u3066\u3044\u304f\u3068\u307f\u3089\u308c\u3066\u3044\u307e\u3059\u3002<br><\/p>\n\n\n\n<p>\u53c2\u8003\u8cc7\u6599<\/p>\n\n\n\n<p><a href=\"https:\/\/www.hkma.gov.hk\/eng\/news-and-media\/press-releases\/2018\/05\/20180530-3\/\">\u201cGuideline on Authorization of Virtual Banks\u201d, Hong Kong Monetary Authority, 2018\/05\/30<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.reuters.com\/article\/hongkong-protests-banks\/hong-kong-digital-banks-launch-faces-delay-due-to-protests-sources-idUSL3N2670UH\">\u201cHong Kong digital banks launch faces delay due to protests &#8211; sources\u201d, REUTERS,&nbsp; 2019\/09\/17<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.vantageasia.com\/virtual-banking-hong-kong\/\">\u201cEight virtual banks approved for HK\u201d, ASIA BUSINESS LAW JOURNAL, 2019\/07\/15 <\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u672c\u5e74\u306b\u5165\u3063\u3066\u304b\u3089\u3001\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c40\u3067\u306fIT\u4f01\u696d\u7fa4\u306b\u5411\u3051\u305f\u300c\u30d0\u30fc\u30c1\u30e3\u30eb\u30d0\u30f3\u30af\u300d\u306e\u30e9\u30a4\u30bb\u30f3\u30b9\u767a\u884c\u304c\u76f8\u6b21\u3044\u3067\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"author":10,"featured_media":4027,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-4025","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-global"],"acf":[],"_links":{"self":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/4025","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\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/comments?post=4025"}],"version-history":[{"count":18,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/4025\/revisions"}],"predecessor-version":[{"id":4073,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/4025\/revisions\/4073"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/media\/4027"}],"wp:attachment":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/media?parent=4025"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/categories?post=4025"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/tags?post=4025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}