{"id":5034,"date":"2022-03-14T19:39:08","date_gmt":"2022-03-14T10:39:08","guid":{"rendered":"https:\/\/moneyforward.com\/mf_blog\/?p=5034"},"modified":"2022-03-14T19:39:10","modified_gmt":"2022-03-14T10:39:10","slug":"guesttalk-11-1","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20220314\/guesttalk-11-1\/","title":{"rendered":"\u30b2\u30b9\u30c8\u5bfe\u8ac7:\u65e5\u672c\u9280\u884c \u526f\u5cf6\u3055\u3093\u306b\u91d1\u878d\u306e\u6b74\u53f2\u3068\u3053\u308c\u304b\u3089\u3092\u805e\u3044\u3066\u304d\u305f\uff5e\u524d\u7de8\uff5e\uff08\u65e5\u672c\u9280\u884c \u526f\u5cf6 \u8c4a\u3055\u3093\uff09"},"content":{"rendered":"\n<p>\u300c\u30de\u30cd\u30fc\u30d5\u30a9\u30ef\u30fc\u30c9 Fintech\u7814\u7a76\u6240 \u7027\u306e\u5bfe\u8ac7\u30b7\u30ea\u30fc\u30ba\u300d\u306e\u7b2c11\u56de\u3092\u304a\u5c4a\u3051\u3057\u307e\u3059\u3002\u4eca\u56de\u306f\u3001\u65e5\u672c\u9280\u884c\u91d1\u878d\u7814\u7a76\u6240\u9577\u306e\u526f\u5cf6 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size-full\"><a href=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image.png\"><img loading=\"lazy\" decoding=\"async\" width=\"379\" height=\"505\" src=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image.png\" alt=\"\" class=\"wp-image-5035\" srcset=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image.png 379w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-225x300.png 225w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-161x214.png 161w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-195x260.png 195w\" sizes=\"auto, (max-width: 379px) 100vw, 379px\" \/><\/a><\/figure><\/div>\n\n\n\n<p><strong>\u4eca\u56de\u306e\u30b2\u30b9\u30c8\uff1a\u65e5\u672c\u9280\u884c \u91d1\u878d\u7814\u7a76\u6240\u9577\u3000\u526f\u5cf6 \u8c4a\u3055\u3093<\/strong><\/p>\n\n\n\n<p>2021\u5e749\u6708\u3088\u308a\u65e5\u672c\u9280\u884c\u91d1\u878d\u7814\u7a76\u6240\u9577\u30021990\u5e74\u306b\u65e5\u672c\u9280\u884c\u306b\u5165\u884c\u3057\u3001\u91d1\u878d\u7814\u7a76\u6240\u3084\u91d1\u878d\u5e02\u5834\u5c40\u3001\u91d1\u878d\u6a5f\u69cb\u5c40\u3001\u6c7a\u6e08\u6a5f\u69cb\u5c40\u3001\u8abf\u67fb\u7d71\u8a08\u5c40\u306a\u3069\u3067\u4e3b\u306b\u30ea\u30b5\u30fc\u30c1\u696d\u52d9\u306b\u5f93\u4e8b\u300290\u5e74\u4ee3\u3088\u308aAI\u3092\u6d3b\u7528\u3057\u305f\u8abf\u67fb\u3084\u30d3\u30c3\u30b0\u30c7\u30fc\u30bf\u89e3\u6790\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5206\u6790\u3001\u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u5206\u6790\u3001GIS\u3001\u30c6\u30ad\u30b9\u30c8\u89e3\u6790\u306a\u3069\u591a\u69d8\u306a\u624b\u6cd5\u3092\u4e2d\u592e\u9280\u884c\u30ea\u30b5\u30fc\u30c1\u306b\u5c0e\u5165\u3057\u3001\u591a\u69d8\u306a\u90e8\u7f72\u306e\u30ea\u30b5\u30fc\u30c1\u30d5\u30ed\u30f3\u30c6\u30a3\u30a2\u306e\u62e1\u5145\u3084\u30ea\u30b9\u30af\u8a08\u91cf\u306a\u3069\u30af\u30aa\u30f3\u30c4\u696d\u52d9\u3084\u30de\u30af\u30ed\u30d7\u30eb\u30fc\u30c7\u30f3\u30b9\u3001\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u89e3\u6790\u3001\u666f\u6c17\u30fb\u7d4c\u6e08\u69cb\u9020\u8abf\u67fb\u306a\u3069\u3092\u884c\u3046\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u306f\u3058\u3081\u306b<\/strong><\/h3>\n\n\n\n<p>\u7027<\/p>\n\n\n\n<p>\u3053\u306e\u5ea6\u306f\u304a\u6642\u9593\u3092\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3053\u306eFintech\u7814\u7a76\u6240\u30d6\u30ed\u30b0\u306e\u5bfe\u8ac7\u306f\u56fa\u5b9a\u3055\u308c\u305f\u30c6\u30fc\u30de\u3067\u306f\u306a\u304f\u3001\u30b2\u30b9\u30c8\u306e\u65b9\u306e\u5c02\u9580\u9818\u57df\u306a\u3069\u5e83\u3044\u30c6\u30fc\u30de\u304b\u3089\u304a\u8a71\u3092\u6398\u308a\u4e0b\u3052\u3055\u305b\u3066\u3044\u305f\u3060\u304f\u3088\u3046\u306a\u5f62\u5f0f\u3092\u3068\u3063\u3066\u3044\u307e\u3057\u3066\u3001\u662f\u975e\u3056\u3063\u304f\u3070\u3089\u3093\u306b\u304a\u8a71\u3092\u4f3a\u3048\u308c\u3070\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u526f\u5cf6\u3055\u307e\uff08\u4ee5\u4e0b\u3001\u656c\u79f0\u7565\uff09<\/p>\n\n\n\n<p>\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3044\u305f\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u7027<\/p>\n\n\n\n<p>\u526f\u5cf6\u3055\u3093\u306f\u65e5\u9280\u306e\u7b2c\u4e09\u4ee3Fintech\u30bb\u30f3\u30bf\u30fc\u9577\u3092\u52d9\u3081\u3089\u308c\u307e\u3057\u305f\u3002\u79c1\u306f\u30a8\u30f3\u30b8\u30cb\u30a2\u601d\u8003\u306e\u3068\u3066\u3082\u5f37\u3044\u65b9\u306a\u306e\u3067\u306f\u3068\u601d\u3063\u3066\u3044\u308b\u306e\u3067\u3059\u304c\u3001\u526f\u5cf6\u3055\u3093\u304c\u65e5\u9280\u306b\u5165\u884c\u3055\u308c\u308b\u307e\u3067\u306b\u3064\u3044\u3066\u304a\u805e\u304b\u305b\u3044\u305f\u3060\u3051\u307e\u3059\u304b\u3002<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><a href=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-1.png\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"265\" src=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-1.png\" alt=\"\" class=\"wp-image-5036\" srcset=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-1.png 940w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-1-300x85.png 300w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-1-768x217.png 768w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-1-304x86.png 304w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-1-282x80.png 282w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-right\">\uff08\u5bfe\u8ac7\u306e\u69d8\u5b50: 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Hat\u3092\u5165\u308c\u3066Linux\u3092\u30dd\u30c1\u30dd\u30c1\u3055\u308f\u3063\u3066\u30d7\u30ed\u30b0\u30e9\u30df\u30f3\u30b0\u306e\u52c9\u5f37\u3092\u3057\u3066\u3044\u307e\u3057\u305f\u3002\u30de\u30af\u30ed\u7d4c\u6e08\u5206\u6790\u3067\u306f\u30012000\u5e74\u4ee3\u521d\u306bDSGE\u30e2\u30c7\u30eb\u304c\u5f93\u6765\u306e\u30b1\u30a4\u30f3\u30ba\u578b\u30de\u30af\u30ed\u30e2\u30c7\u30eb\u3092\u7f6e\u304d\u63db\u3048\u3066\u3044\u304f\u306e\u3067\u3059\u304c\u3001\u305d\u306e\u5148\u99c6\u4f53\u3068\u306a\u3063\u305fRBC\u30e2\u30c7\u30eb\u306e\u30ab\u30ea\u30d6\u30ec\u30fc\u30b7\u30e7\u30f3\u3092\u7814\u7a76\u6240\u3067\u3084\u3063\u305f\u308a\u3082\u3057\u3066\u3044\u307e\u3057\u305f\u3002\u305f\u3060\u306e\u65b0\u3057\u3044\u3082\u306e\u597d\u304d\u3067\u3059\u306d\u3002<\/p>\n\n\n\n<p>\uff08\u6ce81\uff09\u6a2a\u8ef8\u306b\u6b8b\u5b58\u671f\u9593\u3001\u7e26\u8ef8\u306b\u5229\u56de\u308a\u3092\u3068\u308a\u3001\u6b8b\u5b58\u671f\u9593\u304c\u7570\u306a\u308b\u8907\u6570\u306e\u50b5\u5238\u306e\u6b8b\u5b58\u671f\u9593\u3068\u5229\u56de\u308a\u306e\u95a2\u4fc2\u3092\u8868\u3057\u305f\u66f2\u7dda\u3092\u6307\u3059\u3002 <\/p>\n\n\n\n<p>\uff08\u6ce82\uff09 \u8cc7\u7523\u3068\u8ca0\u50b5\u3092\u4e00\u5143\u7684\u306b\u7dcf\u5408\u7ba1\u7406\u3059\u308b\u624b\u6cd5\u3092\u6307\u3057\u3001\u69d8\u3005\u306a\u6e80\u671f\u3084\u91d1\u5229\u6c34\u6e96\u3092\u6301\u3064\u8ca0\u50b5\u3084\u3001\u591a\u69d8\u306a\u91d1\u878d\u8cc7\u7523\u306e\u91d1\u5229\u30ea\u30b9\u30af\u30fb\u4fa1\u683c\u5909\u52d5\u30ea\u30b9\u30af\u3001\u6d41\u52d5\u6027\u30ea\u30b9\u30af\u3001\u4fe1\u7528\u30ea\u30b9\u30af\u306a\u3069\u3092\u4e00\u4f53\u7ba1\u7406\u3059\u308b\u3082\u306e\u3002 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Bank for International Settlements\uff08\u56fd\u969b\u6c7a\u6e08\u9280\u884c\uff09\u3002\u4e2d\u592e\u9280\u884c\u3092\u30e1\u30f3\u30d0\u30fc\u3068\u3059\u308b\u7d44\u7e54\u3067\u3001\u4e2d\u592e\u9280\u884c\u9593\u306e\u5354\u529b\u4fc3\u9032\u306a\u3069\u3092\u901a\u3058\u3066\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306e\u5b89\u5b9a\u3092\u8ffd\u6c42\u3059\u308b\u3002<a 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href=\"https:\/\/www.boj.or.jp\/research\/wps_rev\/rev_all\/index.htm\/\">\u65e5\u9280\u30ec\u30d3\u30e5\u30fc<\/a>\u306b\u540d\u3092\u5909\u3048\u3066\u3044\u307e\u3059\u304c\u3001\u30ec\u30a4\u30a2\u30a6\u30c8\u3084\u30ab\u30e9\u30fc\u30a4\u30e1\u30fc\u30b8\u306f\u304b\u306a\u308a\u305d\u306e\u307e\u307e\u6b8b\u3063\u3066\u3044\u307e\u3059\u3002\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u30ec\u30dd\u30fc\u30c8\u306e\u30ea\u30cb\u30e5\u30fc\u30a2\u30eb\u3082\u697d\u3057\u307f\u306a\u304c\u3089\u3084\u3089\u305b\u3066\u3082\u3089\u3044\u307e\u3057\u305f\u3002\u30c7\u30b6\u30a4\u30f3\u3063\u3066\u697d\u3057\u3044\u3067\u3059\u3088\u306d\u3002\u30b7\u30b9\u30c6\u30e0\u306e\u30c7\u30b6\u30a4\u30f3\u3082\u30e1\u30c7\u30a3\u30a2\u5e83\u5831\u306e\u30c7\u30b6\u30a4\u30f3\u3082\u3002<\/p>\n\n\n\n<p>  \uff08\u6ce86\uff09Real-Time Gross Settlement\uff08\u5373\u6642\u30b0\u30ed\u30b9\u6c7a\u6e08\uff09\u306e\u7565\u3067\u3042\u308a\u3001\u6642\u70b9\u30cd\u30c3\u30c8\u6c7a\u6e08\u3068\u4e26\u3076\u4e2d\u592e\u9280\u884c\u306b\u304a\u3051\u308b\u91d1\u878d\u6a5f\u95a2\u9593\u306e\u53e3\u5ea7\u632f\u66ff\u306e\u624b\u6cd5\u306e\u4e00\u3064\u3002  <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><a href=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-2.png\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"265\" src=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-2.png\" alt=\"\" class=\"wp-image-5038\" srcset=\"https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-2.png 940w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-2-300x85.png 300w, https:\/\/moneyforward.com\/mf_blog\/wp-content\/uploads\/2022\/03\/image-2-768x217.png 768w, 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