{"id":23973,"date":"2024-07-23T15:33:38","date_gmt":"2024-07-23T08:33:38","guid":{"rendered":"https:\/\/www.smartdev.com\/?p=23973"},"modified":"2024-09-30T07:24:13","modified_gmt":"2024-09-30T07:24:13","slug":"from-transactions-to-experiences-the-rise-of-embedded-finance-in-banking","status":"publish","type":"post","link":"https:\/\/smartdev.com\/jp\/from-transactions-to-experiences-the-rise-of-embedded-finance-in-banking\/","title":{"rendered":"\u53d6\u5f15\u304b\u3089\u4f53\u9a13\u3078\uff1a\u9280\u884c\u306b\u304a\u3051\u308b\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u306e\u53f0\u982d"},"content":{"rendered":"
<\/div><\/div><\/div>
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<\/h3>\n

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    \n
  1. API (\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3 \u30d7\u30ed\u30b0\u30e9\u30df\u30f3\u30b0 \u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30fc\u30b9):<\/span><\/b>\u3053\u308c\u3089\u306f\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u306e\u57fa\u76e4\u3067\u3059\u3002API\u306f\u3001\u7570\u306a\u308b\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\u30b7\u30b9\u30c6\u30e0\u9593\u306e\u901a\u4fe1\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u3067\u306f\u3001API\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u9280\u884c\u30b5\u30fc\u30d3\u30b9\u3092\u5c0f\u58f2\u30a6\u30a7\u30d6\u30b5\u30a4\u30c8\u3001\u30e2\u30d0\u30a4\u30eb\u30a2\u30d7\u30ea\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30e1\u30c7\u30a3\u30a2\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u30b9\u30e0\u30fc\u30ba\u306b\u7d71\u5408\u3067\u304d\u307e\u3059\u3002\u4f8b\u3048\u3070\u3001e\u30b3\u30de\u30fc\u30b9\u30b5\u30a4\u30c8\u306fAPI\u3092\u5229\u7528\u3057\u3066\u91d1\u878d\u6a5f\u95a2\u306e\u30b5\u30fc\u30d3\u30b9\u306b\u63a5\u7d9a\u3057\u3001\u8ca9\u58f2\u6642\u70b9\uff08POS\uff09\u3067\u5373\u6642\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u63d0\u4f9b\u3067\u304d\u307e\u3059\u3002<\/span>\u00a0<\/span><\/li>\n
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    \u00a0<\/span><\/p>\n

     <\/p>\n

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    \"\"<\/span><\/h3>\n

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    \u00a0<\/span><\/p>\n

    <\/span>3<\/span><\/b>. <\/span><\/b>\u6b74\u53f2\u7684\u80cc\u666f<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n

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    \u5b9f\u969b\u306e\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3:<\/span><\/b>\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u306e\u9855\u8457\u306a\u4f8b\u3068\u3057\u3066\u306f\u3001Klarna\u3084Affirm\u3068\u3044\u3063\u305f\u3001e\u30b3\u30de\u30fc\u30b9\u306e\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u306b\u76f4\u63a5\u7d71\u5408\u3055\u308c\u3001\u5373\u6642\u30af\u30ec\u30b8\u30c3\u30c8\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u300c\u4eca\u3059\u3050\u8cfc\u5165\u30fb\u5f8c\u6255\u3044\u300d\uff08BNPL\uff09\u30b5\u30fc\u30d3\u30b9\u306e\u53f0\u982d\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002\u307e\u305f\u3001\u30c9\u30e9\u30a4\u30d0\u30fc\u3068\u9867\u5ba2\u306e\u91d1\u878d\u696d\u52d9\u3092\u76f4\u63a5\u7d71\u5408\u3059\u308bUber\u3082\u305d\u306e\u4e00\u3064\u3067\u3059\u3002<\/span>rs<\/span> \u30a2\u30d7\u30ea\u5185\u3067\u30e6\u30fc\u30b6\u30fc\u30a8\u30af\u30b9\u30da\u30ea\u30a8\u30f3\u30b9\u3092\u5411\u4e0a\u3055\u305b\u3001\u64cd\u4f5c\u3092\u52b9\u7387\u5316\u3057\u307e\u3059\u3002<\/span>\u00a0<\/span><\/p>\n

    \u5229\u70b9\u3068\u6f5c\u5728\u7684\u306a\u969c\u5bb3:<\/span><\/b>\u7d44\u307f\u8fbc\u307f\u578b\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306f\u5927\u304d\u306a\u30e1\u30ea\u30c3\u30c8\u3092\u3082\u305f\u3089\u3057\u307e\u3059\u3002\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u6bd4\u985e\u306e\u306a\u3044\u5229\u4fbf\u6027\u3068\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u6027\u3092\u3082\u305f\u3089\u3057\u307e\u3059\u3002<\/span>rs<\/span>\u9867\u5ba2\u304c\u983b\u7e41\u306b\u5229\u7528\u3059\u308b\u30c7\u30b8\u30bf\u30eb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u5185\u3067\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306b\u76f4\u63a5\u30a2\u30af\u30bb\u30b9\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u91d1\u878d\u53d6\u5f15\u3092\u793e\u5185\u3067\u884c\u3046\u3053\u3068\u3067\u3001\u9867\u5ba2\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u304c\u5411\u4e0a\u3057\u3001\u4f01\u696d\u306b\u3068\u3063\u3066\u65b0\u305f\u306a\u53ce\u76ca\u6e90\u304c\u751f\u307e\u308c\u307e\u3059\u3002<\/span>\u7f6a\u60aa\u611f<\/span>.<\/span>\u00a0<\/span><\/p>\n

    \u3057\u304b\u3057\u3001\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u306b\u306f\u3001\u7279\u306b\u898f\u5236\u9075\u5b88\u3068\u30c7\u30fc\u30bf\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306b\u304a\u3044\u3066\u8ab2\u984c\u3082\u4f34\u3044\u307e\u3059\u3002\u975e\u91d1\u878d\u4f01\u696d\u304c\u91d1\u878d\u6d3b\u52d5\u306b\u6df1\u304f\u95a2\u4e0e\u3059\u308b\u306b\u3064\u308c\u3001\u8907\u96d1\u306a\u898f\u5236\u74b0\u5883\u3092\u4e57\u308a\u5207\u308a\u3001\u9867\u5ba2\u30c7\u30fc\u30bf\u3092\u4fdd\u8b77\u3059\u308b\u305f\u3081\u306e\u53b3\u683c\u306a\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5bfe\u7b56\u3092\u78ba\u4fdd\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/span><\/p>\n

    <\/span>V. \u7d50\u8ad6<\/span><\/b><\/span><\/h3>\n

    \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u3068\u306f\u3001\u5f93\u6765\u306e\u72ec\u7acb\u3057\u305f\u9280\u884c\u30b5\u30fc\u30d3\u30b9\u304b\u3089\u3001\u91d1\u878d\u6a5f\u80fd\u3092\u30e6\u30fc\u30b6\u30fc\u4e2d\u5fc3\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u7d44\u307f\u8fbc\u3080\u3001\u3088\u308a\u7d71\u5408\u3055\u308c\u305f\u30a2\u30d7\u30ed\u30fc\u30c1\u3078\u306e\u30d1\u30e9\u30c0\u30a4\u30e0\u30b7\u30d5\u30c8\u3092\u610f\u5473\u3057\u307e\u3059\u3002\u3053\u306e\u9032\u5316\u306f\u3001\u6280\u8853\u306e\u9032\u6b69\u3068\u91d1\u878d\u5305\u6442\u306e\u62e1\u5927\u306b\u5411\u3051\u305f\u52d5\u304d\u306b\u3088\u3063\u3066\u3001\u4eca\u5f8c\u3082\u7d99\u7d9a\u3057\u3066\u3044\u304f\u3067\u3057\u3087\u3046\u3002<\/span>\u00a0<\/span><\/p>\n

    \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u306f\u3001\u7570\u306a\u308b\u30bb\u30af\u30bf\u30fc\u9593\u306e\u5883\u754c\u3092\u66d6\u6627\u306b\u3057\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u304c\u3082\u306f\u3084\u9280\u884c\u306e\u72ec\u5360\u9818\u57df\u3067\u306f\u306a\u304f\u3001\u6d88\u8cbb\u8005\u304c\u5fc5\u8981\u306a\u6642\u306b\u3044\u3064\u3067\u3082\u5229\u7528\u3067\u304d\u308b\u3001\u660e\u308b\u3044\u672a\u6765\u3092\u3082\u305f\u3089\u3057\u307e\u3059\u3002\u3053\u306e\u7d71\u5408\u306b\u3088\u308a\u3001\u91d1\u878d\u696d\u52d9\u306f\u3088\u308a\u76f4\u611f\u7684\u306b\u306a\u308a\u3001\u30c7\u30b8\u30bf\u30eb\u30e9\u30a4\u30d5\u306b\u6df1\u304f\u6839\u3056\u3057\u305f\u3082\u306e\u3068\u306a\u308a\u3001\u30a2\u30af\u30bb\u30b7\u30d3\u30ea\u30c6\u30a3\u3001\u30e6\u30fc\u30b6\u30fc\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u3001\u305d\u3057\u3066\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u305f\u9280\u884c\u696d\u52d9\u306e\u65b0\u305f\u306a\u6642\u4ee3\u304c\u5230\u6765\u3057\u307e\u3059\u3002<\/span><\/p>\n

    <\/span>VI. SmartDev\u306b\u3064\u3044\u3066<\/span><\/b><\/span><\/h3>\n

    SmartDev\u306f\u3001\u5305\u62ec\u7684\u306a\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u901a\u3058\u3066\u3001\u91d1\u878d\u30bb\u30af\u30bf\u30fc\u306b\u304a\u3051\u308b\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u63a8\u9032\u306b\u5c3d\u529b\u3057\u3066\u3044\u307e\u3059\u3002\u5b89\u5168\u306a\u30e2\u30d0\u30a4\u30eb\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\u3001\u6700\u5148\u7aef\u306e\u30d6\u30ed\u30c3\u30af\u30c1\u30a7\u30fc\u30f3\u6280\u8853\u3001\u305d\u3057\u3066\u9ad8\u5ea6\u306a\u30ed\u30dc\u30c6\u30a3\u30c3\u30af\u30fb\u30d7\u30ed\u30bb\u30b9\u30fb\u30aa\u30fc\u30c8\u30e1\u30fc\u30b7\u30e7\u30f3\uff08RPA\uff09\u3092\u7d71\u5408\u3059\u308b\u3053\u3068\u3067\u3001\u6700\u9ad8\u6c34\u6e96\u306e\u54c1\u8cea\u3068\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u5b9f\u73fe\u3059\u308b\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u5f53\u793e\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306b\u95a2\u3059\u308b\u5c02\u9580\u77e5\u8b58\u306f\u3001\u91d1\u878d\u6a5f\u95a2\u306e\u696d\u52d9\u52b9\u7387\u5411\u4e0a\u3001\u9867\u5ba2\u4f53\u9a13\u306e\u5411\u4e0a\u3001\u305d\u3057\u3066\u6025\u901f\u306b\u5909\u5316\u3059\u308b\u7d4c\u6e08\u74b0\u5883\u306b\u304a\u3051\u308b\u512a\u4f4d\u6027\u306e\u7dad\u6301\u3092\u652f\u63f4\u3057\u307e\u3059\u3002<\/span>\u00a0<\/span><\/p>\n

    \u4f01\u696d\u3001\u30a4\u30ce\u30d9\u30fc\u30bf\u30fc\u3001\u305d\u3057\u3066\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306b\u60c5\u71b1\u3092\u6ce8\u3050\u7686\u69d8\u306b\u3001\u305c\u3072SmartDev\u3068\u306e\u5354\u696d\u3092\u3054\u691c\u8a0e\u3044\u305f\u3060\u304d\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306b\u304a\u3051\u308b\u5f53\u793e\u306e\u5c02\u9580\u77e5\u8b58\u304c\u3069\u306e\u3088\u3046\u306b\u304a\u5ba2\u69d8\u306e\u696d\u52d9\u3092\u5909\u9769\u3067\u304d\u308b\u304b\u3092\u3054\u4f53\u9a13\u304f\u3060\u3055\u3044\u3002\u6700\u5148\u7aef\u306e\u6280\u8853\u3092\u6d3b\u7528\u3057\u3001\u9769\u65b0\u7684\u3067\u3042\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u9ad8\u3044\u4fe1\u983c\u6027\u3068\u62e1\u5f35\u6027\u3092\u5099\u3048\u305f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u5171\u306b\u69cb\u7bc9\u3057\u307e\u3057\u3087\u3046\u3002SmartDev\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30b5\u30fc\u30d3\u30b9\u304c\u304a\u5ba2\u69d8\u306e\u6226\u7565\u76ee\u6a19\u9054\u6210\u306b\u3069\u306e\u3088\u3046\u306b\u8ca2\u732e\u3067\u304d\u308b\u304b\u3001\u305c\u3072\u304a\u6c17\u8efd\u306b\u304a\u554f\u3044\u5408\u308f\u305b\u304f\u3060\u3055\u3044\u3002\u5171\u306b\u30c7\u30b8\u30bf\u30eb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u53ef\u80fd\u6027\u3092\u9032\u5316\u3055\u305b\u3001\u696d\u754c\u306e\u65b0\u305f\u306a\u30d9\u30f3\u30c1\u30de\u30fc\u30af\u3092\u78ba\u7acb\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/span>\u00a0<\/span><\/p>\n

    \u5f0a\u793e\u306e <\/span>\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30b5\u30fc\u30d3\u30b9\u30da\u30fc\u30b8<\/span><\/a> \u4eca\u3059\u3050\u8a73\u7d30\u3092\u5b66\u3093\u3067\u304f\u3060\u3055\u3044\u3002<\/span>\u00a0<\/span><\/p>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"In the rapidly evolving world of finance, a transformative shift is underway with the rise...","protected":false},"author":38,"featured_media":23979,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[50],"tags":[],"class_list":["post-23973","post","type-post","status-publish","format-standard","has-post-thumbnail","category-case-study"],"acf":[],"yoast_head":"\nFrom Transactions to Experiences: The Rise of Embedded Finance in Banking | SmartDev<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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content=\"https:\/\/smartdev.com\/wp-content\/uploads\/2024\/07\/DALL\u00b7E-2024-07-23-06.55.07-A-professional-and-modern-illustration-showcasing-The-Rise-of-Embedded-Finance-in-Banking.-The-image-features-a-sleek-bank-building-seamlessly-integ.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1792\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Dieu Anh Nguyen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@smartdevllc\" \/>\n<meta name=\"twitter:site\" content=\"@smartdevllc\" \/>\n<meta name=\"twitter:label1\" content=\"\u57f7\u7b46\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"Dieu Anh Nguyen\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u63a8\u5b9a\u8aad\u307f\u53d6\u308a\u6642\u9593\" \/>\n\t<meta name=\"twitter:data2\" content=\"7\u5206\" \/>\n<script type=\"application\/ld+json\" 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