{"id":372911,"date":"2026-03-29T11:09:45","date_gmt":"2026-03-29T11:09:45","guid":{"rendered":"https:\/\/www.wacoca.com\/life\/372911\/"},"modified":"2026-03-29T11:09:45","modified_gmt":"2026-03-29T11:09:45","slug":"%e7%b1%b3%e3%83%97%e3%83%a9%e3%82%a4%e3%83%99%e3%83%bc%e3%83%88%e3%82%af%e3%83%ac%e3%82%b8%e3%83%83%e3%83%88%e4%bf%a1%e7%94%a8%e4%b8%8d%e5%ae%89%e3%80%81%e7%ac%ac2%e3%81%ae%e3%83%aa%e3%83%bc%e3%83%9e","status":"publish","type":"post","link":"https:\/\/www.wacoca.com\/life\/372911\/","title":{"rendered":"\u7c73\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30af\u30ec\u30b8\u30c3\u30c8\u4fe1\u7528\u4e0d\u5b89\u3001\u7b2c2\u306e\u30ea\u30fc\u30de\u30f3\u30b7\u30e7\u30c3\u30af\u306f\u8d77\u3053\u308b\u306e\u304b\uff1f \u6295\u8cc7\u5bb6\u306e46\u5104\u30c9\u30eb\uff08\u7d047350\u5104\u5186\uff09\u306e\u8cc7\u91d1\u304c\u8db3\u6b62\u3081\uff5cFinTech Journal"},"content":{"rendered":"
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\u6295\u8cc7\u5bb6\u306e46\u5104\u30c9\u30eb\uff08\u7d047350\u5104\u5186\uff09\u306e\u8cc7\u91d1\u304c\u8db3\u6b62\u3081<\/p>\n<\/p><\/div>\n

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1<\/p>\n

\u4f1a\u54e1\uff08\u7121\u6599\uff09\u306b\u306a\u308b\u3068\u3001\u3044\u3044\u306d\uff01\u3067\u30de\u30a4\u30da\u30fc\u30b8\u306b\u4fdd\u5b58\u3067\u304d\u307e\u3059\u3002<\/p>\n<\/div>\n

\u5171\u6709\u3059\u308b\n <\/p><\/div>\n

\n \u7c73\u56fd\u306e\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30af\u30ec\u30b8\u30c3\u30c8\u5e02\u5834\u3067\u3001\u6295\u8cc7\u5bb6\u304b\u3089\u306e\u8cc7\u91d1\u5f15\u304d\u51fa\u3057\u8981\u6c42\u306b\u5bfe\u3059\u308b\u5236\u9650\u304c\u76f8\u6b21\u3044\u3067\u3044\u308b\u3002\u8907\u6570\u306e\u6d77\u5916\u30e1\u30c7\u30a3\u30a2\u306e\u5831\u9053\u306b\u3088\u308b\u3068\u3001\u4eca\u56db\u534a\u671f\u306b\u7d04130\u5104\u30c9\u30eb\u306e\u89e3\u7d04\u8acb\u6c42\u304c\u3042\u3063\u305f\u3082\u306e\u306e\u3001\u5404\u30d5\u30a1\u30f3\u30c9\u304c\u8a2d\u5b9a\u3059\u308b\u4e0a\u9650\u306b\u3088\u308a46\u5104\u30c9\u30eb\uff08\u7d047350\u5104\u5186\uff09\u306e\u8cc7\u91d1\u304c\u8db3\u6b62\u3081\u3055\u308c\u3066\u3044\u308b\u3002\u5e02\u5834\u306e\u6025\u62e1\u5927\u3068\u91d1\u5229\u4e0a\u6607\u3092\u80cc\u666f\u306b\u4fe1\u7528\u4e0d\u5b89\u304c\u53f0\u982d\u3057\u3066\u3044\u308b\u304c\u3001\u5c02\u9580\u5bb6\u306f\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u5168\u4f53\u3078\u306e\u6ce2\u53ca\u30ea\u30b9\u30af\u306f\u9650\u5b9a\u7684\u3068\u5206\u6790\u3057\u3066\u3044\u308b\u3002\n <\/p>\n<\/p><\/div>\n<\/div>\n

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\n \"photo\"
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\uff08\u753b\u50cf\uff1aFintech Journal\uff09<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n


\n\u7c73\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30af\u30ec\u30b8\u30c3\u30c8\u306e\u5f15\u304d\u51fa\u3057\u5236\u9650\u62e1\u5927\u3001\u6295\u8cc7\u5bb6\u8cc7\u91d1\u304c\u8db3\u6b62\u3081\u306b
\n \u3000\u7c73\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30af\u30ec\u30b8\u30c3\u30c8\u696d\u754c\u306b\u304a\u3044\u3066\u3001\u6295\u8cc7\u5bb6\u306b\u3088\u308b\u8cc7\u91d1\u5f15\u304d\u51fa\u3057\u304c\u56f0\u96e3\u306a\u72b6\u6cc1\u304c\u5e83\u304c\u3063\u3066\u3044\u308b\u3002\u91d1\u878d\u30a2\u30ca\u30ea\u30b9\u30c8\u306e\u5206\u6790\u304a\u3088\u3073\u6295\u8cc7\u9280\u884c\u306e\u30c7\u30fc\u30bf\u306b\u3088\u308b\u3068\u3001\u4eca\u56db\u534a\u671f\u306b\u5165\u308a\u5341\u6570\u672c\u306e\u30d5\u30a1\u30f3\u30c9\u306b\u5bfe\u3057\u3066\u7d04130\u5104\u30c9\u30eb\u306e\u8cc7\u91d1\u5f15\u304d\u51fa\u3057\u8acb\u6c42\u304c\u884c\u308f\u308c\u305f\u3002\u3057\u304b\u3057\u3001\u3053\u308c\u3089\u30d5\u30a1\u30f3\u30c9\u306e\u591a\u304f\u306f\u56db\u534a\u671f\u3054\u3068\u306e\u89e3\u7d04\u4e0a\u9650\u3092\u7d14\u8cc7\u7523\u306e5\uff05\u306b\u8a2d\u5b9a\u3057\u3066\u304a\u308a\u3001\u5b9f\u969b\u306b\u5f15\u304d\u51fa\u305b\u305f\u306e\u306f\u8acb\u6c42\u984d\u306e\u7d043\u5206\u306e2\u306b\u3068\u3069\u307e\u3063\u305f\u3002<\/p>\n

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\n \"\u753b\u50cf\"\/
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\u3010\u56f3\u7248\u4ed8\u304d\u8a18\u4e8b\u306f\u3053\u3061\u3089\u3011\u7c73\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30af\u30ec\u30b8\u30c3\u30c8\u306e\u4fe1\u7528\u4e0d\u5b89\u3001\u8cc7\u672c\u5f15\u304d\u51fa\u3057\u304c\u8db3\u6b62\u3081\u306b\uff08\u56f3\u7248\uff1a\u30d3\u30b8\u30cd\u30b9+IT\uff09<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n

\n\u3000\u305d\u306e\u7d50\u679c\u3001\u6295\u8cc7\u5bb6\u8cc7\u91d1\u306e46\u5104\u30c9\u30eb\uff08\u7d047350\u5104\u5186\uff09\u4f59\u308a\u304c\u5f15\u304d\u51fa\u3057\u5236\u9650\u306b\u3088\u3063\u3066\u8db3\u6b62\u3081\u3055\u308c\u3066\u3044\u308b\u3002\u3053\u306e\u89e3\u7d04\u5236\u9650\u306e\u52d5\u304d\u306f\u7279\u5b9a\u306e\u904b\u7528\u4f1a\u793e\u306b\u3068\u3069\u307e\u3089\u306a\u3044\u3002\u5148\u884c\u3057\u3066\u5236\u9650\u3092\u5c0e\u5165\u3057\u305f\u30d6\u30e9\u30c3\u30af\u30ed\u30c3\u30af\u3084\u30e2\u30eb\u30ac\u30f3\u30fb\u30b9\u30bf\u30f3\u30ec\u30fc\u306a\u3069\u306b\u7d9a\u304d\u3001\u30a2\u30dd\u30ed\u30fb\u30b0\u30ed\u30fc\u30d0\u30eb\u30fb\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u3084\u30a2\u30ec\u30b9\u30fb\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u3068\u3044\u3063\u305f\u5927\u624b\u8cc7\u7523\u904b\u7528\u4f1a\u793e\u3082\u89e3\u7d04\u5236\u9650\u306b\u8e0f\u307f\u5207\u3063\u305f\u3002<\/p>\n

\u3000\u4eca\u5f8c\u6570\u9031\u9593\u3067\u540c\u69d8\u306e\u5236\u9650\u63aa\u7f6e\u3092\u5c0e\u5165\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u306f\u3055\u3089\u306b\u5897\u3048\u308b\u898b\u901a\u3057\u3067\u3042\u308b\u3002\u80cc\u666f\u306b\u306f\u3001\u7c73\u56fd\u5e02\u5834\u306b\u304a\u3051\u308b\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30af\u30ec\u30b8\u30c3\u30c8\u3078\u306e\u6025\u901f\u306a\u8cc7\u91d1\u6d41\u5165\u304c\u3042\u308b\u3002\u65e5\u672c\u7d4c\u6e08\u65b0\u805e\u306e\u5831\u9053\u306b\u3088\u308c\u3070\u3001\u7c73\u56fd\u306e\u9280\u884c\u306b\u3088\u308b\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30af\u30ec\u30b8\u30c3\u30c8\u5411\u3051\u878d\u8cc7\u306f2025\u5e7412\u6708\u672b\u6642\u70b9\u3067\u524d\u5e74\u6bd48\u5272\u5897\u306e3775\u5104\u30c9\u30eb\uff08\u7d0460\u5146\u5186\uff09\u306b\u81a8\u5f35\u3057\u305f\u3002 \n<\/p>\n

\u3000\u898f\u5236\u306b\u3088\u308a\u9280\u884c\u304c\u81ea\u3089\u624b\u639b\u3051\u306b\u304f\u3044\u4e2d\u5805\u30fb\u4e2d\u5c0f\u4f01\u696d\u5411\u3051\u878d\u8cc7\u306e\u9ad8\u3044\u5229\u56de\u308a\u3092\u30d5\u30a1\u30f3\u30c9\u7d4c\u7531\u3067\u5f97\u308b\u72d9\u3044\u304c\u3042\u3063\u305f\u3002\u304b\u3064\u3066\u306f\u9280\u884c\u898f\u5236\u306e\u9699\u9593\u3092\u57cb\u3081\u308b\u5b89\u5b9a\u3057\u305f\u9ad8\u5229\u56de\u308a\u8cc7\u7523\u3068\u3057\u3066\u8cc7\u91d1\u3092\u96c6\u3081\u3001\u904b\u7528\u8cc7\u7523\u6b8b\u9ad8\u306f3\u5146\u30c9\u30eb\u898f\u6a21\u306b\u307e\u3067\u62e1\u5927\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u6025\u6fc0\u306a\u91d1\u5229\u4e0a\u6607\u306e\u5f71\u97ff\u304c\u84c4\u7a4d\u3057\u3001\u4fe1\u7528\u30b5\u30a4\u30af\u30eb\u306e\u8ee2\u63db\u70b9\u3092\u8fce\u3048\u305f\u3053\u3068\u3067\u3001\u30d5\u30a1\u30f3\u30c9\u304c\u4fdd\u6709\u3059\u308b\u8cc7\u7523\u306e\u8cea\u306b\u5bfe\u3059\u308b\u61f8\u5ff5\u304c\u6025\u901f\u306b\u9ad8\u307e\u3063\u3066\u3044\u308b\u3002 \n<\/p>\n

\u3000\u5e02\u5834\u53c2\u52a0\u8005\u304c\u9577\u5e74\u4fe1\u3058\u3066\u304d\u305f\u300c\u30bb\u30df\u30ea\u30ad\u30c3\u30c9\uff08\u6e96\u6d41\u52d5\u6027\uff09\u300d\u3068\u3044\u3046\u6982\u5ff5\u304c\u3001\u30b9\u30c8\u30ec\u30b9\u74b0\u5883\u4e0b\u3067\u306f\u6a5f\u80fd\u3057\u306a\u3044\u3053\u3068\u304c\u6d6e\u304d\u5f6b\u308a\u3068\u306a\u3063\u3066\u3044\u308b\u3002\u672a\u5b9f\u73fe\u306e\u640d\u5931\u3084\u30d5\u30a1\u30f3\u30c0\u30e1\u30f3\u30bf\u30eb\u30ba\u306e\u60aa\u5316\u3092\u96a0\u853d\u3059\u308b\u30b7\u30e3\u30c9\u30fc\u30fb\u30c7\u30d5\u30a9\u30eb\u30c8\u3078\u306e\u8b66\u6212\u611f\u3082\u5f37\u307e\u3063\u3066\u304a\u308a\u3001\u63db\u91d1\u58f2\u308a\u3092\u6025\u3050\u52d5\u304d\u304c\u89e3\u7d04\u5236\u9650\u306e\u9023\u9396\u3092\u5f15\u304d\u8d77\u3053\u3057\u3066\u3044\u308b\u3002<\/p>\n

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\u3053\u306e\u7d9a\u304d\u306f
\u4f1a\u54e1\u9650\u5b9a\uff08\u5b8c\u5168\u7121\u6599\uff09\u3067\u3059<\/p>\n<\/p><\/div>\n

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\u3053\u3053\u304b\u3089\u5148\u306f\u300c\u30d3\u30b8\u30cd\u30b9+IT\u300d\u4f1a\u54e1\u306b\u767b\u9332\u3055\u308c\u305f\u65b9\u306e\u307f\u3001\u3054\u89a7\u3044\u305f\u3060\u3051\u307e\u3059\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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\n \u4eca\u3059\u3050\u30d3\u30b8\u30cd\u30b9\uff0bIT\u4f1a\u54e1\u306b
\u3054\u767b\u9332\u304f\u3060\u3055\u3044\u3002\n <\/p>\n

\u3059\u3079\u3066\u7121\u6599\uff01\u4eca\u65e5\u304b\u3089\u4f7f\u3048\u308b\u3001
\u4ed5\u4e8b\u306b\u5f79\u7acb\u3064\u60c5\u5831\u6e80\u8f09\uff01<\/p>\n<\/p><\/div>\n

\n

\u3053\u3053\u3067\u3057\u304b\u898b\u3089\u308c\u306a\u3044<\/p>\n

2\u4e07\u672c\u8d85\u306e\u30aa\u30ea\u30b8\u30ca\u30eb\u8a18\u4e8b\u30fb\u52d5\u753b\u30fb\u8cc7\u6599\u304c\u898b\u653e\u984c\uff01<\/p>\n

\u5b8c\u5168\u7121\u6599<\/p>\n

\u767b\u9332\u6599\u30fb\u6708\u984d\u6599\u306a\u3057\u3001\u5b8c\u5168\u7121\u6599\u3067\u4f7f\u3044\u653e\u984c\uff01<\/p>\n

\u30c8\u30ec\u30f3\u30c9\u3092\u805e\u3044\u3066\u5b66\u3076<\/p>\n

\u5e74\u95931000\u672c\u8d85\u306e\u53b3\u9078\u30bb\u30df\u30ca\u30fc\u306b\u53c2\u52a0\u3057\u653e\u984c\uff01<\/p>\n

\u8208\u5473\u95a2\u5fc3\u306e\u307f\u53b3\u9078<\/p>\n

\u30c8\u30d4\u30c3\u30af\uff08\u30bf\u30b0\uff09\u3092\u30d5\u30a9\u30ed\u30fc\u3057\u3066\u81ea\u52d5\u53ce\u96c6\uff01<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div><\/div>\n<\/div>\n

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\u8a55\u4fa1\u3059\u308b<\/p>\n

\u3044\u3044\u306d\uff01\u3067\u305c\u3072\u8457\u8005\u3092\u5fdc\u63f4\u3057\u3066\u304f\u3060\u3055\u3044<\/p>\n

\n

\u4f1a\u54e1\uff08\u7121\u6599\uff09\u306b\u306a\u308b\u3068\u3001\u3044\u3044\u306d\uff01\u3067\u30de\u30a4\u30da\u30fc\u30b8\u306b\u4fdd\u5b58\u3067\u304d\u307e\u3059\u3002<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

\n

\n \u6d77\u5916\u91d1\u878d\u6a5f\u95a2\u306e\u304a\u3059\u3059\u3081\u30b3\u30f3\u30c6\u30f3\u30c4\n <\/p>\n<\/p><\/div>\n

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