{"id":1408,"date":"2022-04-27T21:32:15","date_gmt":"2022-04-27T12:32:15","guid":{"rendered":"https:\/\/1up-life.blog\/?p=1408"},"modified":"2022-04-28T05:59:24","modified_gmt":"2022-04-27T20:59:24","slug":"%e3%80%90%e7%bf%bb%e8%a8%b3%e3%80%91%e3%83%93%e3%82%b6-nysev2022%e5%b9%b4%e7%ac%ac2%e5%9b%9b%e5%8d%8a%e6%9c%9f%e6%b1%ba%e7%ae%97%e8%aa%ac%e6%98%8e%e4%bc%9a","status":"publish","type":"post","link":"https:\/\/1up-life.blog\/?p=1408","title":{"rendered":"\u3010\u7ffb\u8a33\u3011\u30d3\u30b6 (NYSE:V)2022\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a"},"content":{"rendered":"

\u30d3\u30b6 (NYSE:V)2022\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002<\/p>\n

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\u56fd\u969b\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u3082\u4e0a\u304c\u3063\u3066\u304a\u308a\u3001\u7b2c2\u56db\u534a\u671f\u306b\u306f\u7c73\u56fd\u3084\u82f1\u56fd\u3092\u542b\u3080\u3044\u304f\u3064\u304b\u306e\u5e02\u5834\u3067\u5bcc\u88d5\u5c64\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u652f\u51fa\u304c2019\u5e74\u306e\u6c34\u6e96\u3092\u5927\u304d\u304f\u4e0a\u56de\u3063\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n

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\"\u30d3\u30b6

\u30d3\u30b6 (NYSE:V)\u682a\u4fa1<\/p><\/div>\n

\u30d3\u30b6 (NYSE:V)2022\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a<\/strong><\/span><\/p>\n

Call participants:
\nJennifer Como — Senior Vice President and Head of Investor Relations
\nAl Kelly — Chairman and Chief Executive Officer
\nVasant Prabhu — Chairman and Chief Financial Officer
\nHarshita Rawat — Sanford C. Bernstein — Analyst
\nLisa Ellis — MoffettNathanson — Analyst
\nTien-Tsin Huang — JPMorgan Chase and Company — Analyst
\nSanjay Sakhrani — KBW — Analyst
\nDarrin Peller — Wolfe Research — Analyst
\nAshwin Shirvaikar — Citi — Analyst
\nJason Kupferberg — Bank of America Merrill Lynch — Analyst
\nBob Napoli — William Blair — Analyst
\nTimothy Chiodo — Credit Suisse — Analyst
\nJames Faucette — Morgan Stanley — Analyst
\nJamie Friedman — Susquehanna International Group — Analyst
\nMore V analysis<\/p>\n

2022\u5e744\u670826\u65e517\u664200\u5206<\/p>\n

\u904b\u55b6\u62c5\u5f53\u8005<\/p>\n

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\u3053\u306e\u5951\u7d04\u306f\u3001\u4ee5\u524d\u306b\u767a\u8868\u3057\u305fM-PESA Africa\u304a\u3088\u3073Safaricom\u3068\u306e\u63d0\u643a\u3068\u5408\u308f\u305b\u3066\u3001\u30b5\u30d6\u30b5\u30cf\u30e9\u30a2\u30d5\u30ea\u30ab\u306eVodacom\u30b0\u30eb\u30fc\u30d7\u5168\u4f53\u30671\u51043000\u4e07\u4eba\u306e\u9867\u5ba2\u3092\u30ab\u30d0\u30fc\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u63d0\u643a\u306b\u3088\u308a\u3001\u30dc\u30fc\u30c0\u30b3\u30e0\u306fVisa\u306e\u6c7a\u6e08\u30af\u30ec\u30c7\u30f3\u30b7\u30e3\u30eb\u3092\u72ec\u5360\u7684\u306b\u767a\u884c\u3057\u3001Visa Direct\u3092\u901a\u3058\u305f\u65b0\u3057\u3044\u6c7a\u6e08\u30d5\u30ed\u30fc\u3092\u5c55\u958b\u3057\u3001\u30b5\u30a4\u30d0\u30fc\u30bd\u30fc\u30b9\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u7c73\u56fd\u3067\u306f\u3001\u4eca\u56db\u534a\u671f\u3001\u3044\u304f\u3064\u304b\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u66f4\u65b0\u3057\u3001\u7372\u5f97\u3057\u307e\u3057\u305f\u3002\u307e\u305a\u3001Visa \u3068 USAA \u306f\u6700\u8fd1\u3001\u9577\u5e74\u306e\u767a\u884c\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u66f4\u65b0\u3057\u307e\u3057\u305f\u3002<\/p>\n

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\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u306e\u5206\u91ce\u3067\u306f\u3001Tap to Pay\u304c\u5f15\u304d\u7d9a\u304d\u6210\u9577\u3092\u52a0\u901f\u3057\u3066\u3044\u307e\u3059\u3002\u7c73\u56fd\u3067\u306f\u3001\u30bf\u30c3\u30d7\u30fb\u30c8\u30a5\u30fb\u30da\u30a4\u306e\u666e\u53ca\u7387\u304c20\uff05\u3092\u8d85\u3048\u3001\u30bf\u30c3\u30d7\u6570\u3067\u7b2c2\u4f4d\u306e\u5e02\u5834\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u307e\u305f\u3001Target\u306f\u7c73\u56fd\u306e\u5c0f\u58f2\u696d\u8005\u3068\u3057\u3066\u521d\u3081\u3066\u3001\u5bfe\u9762\u6c7a\u6e08\u306eTap to Pay\u666e\u53ca\u738750%\u3092\u7a81\u7834\u3057\u307e\u3057\u305f\u3002\u30c8\u30e9\u30f3\u30b8\u30c3\u30c8\u306f\u3001\u30bf\u30c3\u30d7\u3092\u7fd2\u6163\u5316\u3059\u308b\u306e\u306b\u6700\u9069\u306a\u65b9\u6cd5\u306e\u4e00\u3064\u3067\u3001’22\u5e74\u5ea6\u4e0a\u534a\u671f\u306f\u8a18\u9332\u3092\u66f4\u65b0\u3057\u307e\u3057\u305f\u3002<\/p>\n

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\u4f8b\u3048\u3070\u3001\u30ed\u30b7\u30a2\u4e8b\u696d\u306e\u5927\u90e8\u5206\u3092\u5360\u3081\u3066\u3044\u305f\u56fd\u5185P2P\u306f\u4f9d\u7136\u3068\u3057\u3066\u5927\u304d\u306a\u30d3\u30b8\u30cd\u30b9\u30c1\u30e3\u30f3\u30b9\u3067\u3042\u308a\u3001\u79c1\u305f\u3061\u306f\u65b0\u3057\u3044\u5e02\u5834\u3078\u306e\u9032\u51fa\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u307e\u3082\u306a\u304f\u30a4\u30b9\u30e9\u30a8\u30eb\u3067\u3001\u5e02\u5834\u6700\u5927\u306eP2P\u30a2\u30d7\u30ea\u3067\u3042\u308bBIT\u3068\u63d0\u643a\u3057\u3001P2P\u306b\u95a2\u3059\u308bVisa Direct\u306e\u6700\u521d\u306e\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3092\u958b\u59cb\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002\u4eca\u65e5\u306f\u4ed6\u306e2\u3064\u306e\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3001\u30da\u30a4\u30a2\u30a6\u30c8\u3068\u9001\u91d1\u306b\u7126\u70b9\u3092\u5f53\u3066\u307e\u3059\u3002\u307e\u305a\u3001\u30da\u30a4\u30a2\u30a6\u30c8\u306b\u3064\u3044\u3066\u306f\u3001\u591a\u304f\u306e\u696d\u754c\u3067\u52e2\u3044\u304c\u3042\u308a\u3001\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306f\u524d\u5e74\u6bd435\uff05\u5897\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u65c5\u884c\u5206\u91ce\u3067\u306f\u3001Booking.com\u3068\u5171\u540c\u3067Visa Direct\u3092\u7acb\u3061\u4e0a\u3052\u3001\u9867\u5ba2\u306e\u6255\u3044\u623b\u3057\u3084\u30ed\u30a4\u30e4\u30ea\u30c6\u30a3\u306e\u652f\u6255\u3044\u3092\u53ef\u80fd\u306b\u3057\u307e\u3057\u305f\u3002\u30ae\u30b0\u30a8\u30b3\u30ce\u30df\u30fc\u3067\u306f\u3001Uber\u3001Lyft\u3001Doordash\u306a\u3069\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u3092\u6301\u3064\u5927\u624b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306ePayfare\u304c\u3001Visa Direct\u3092\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u8ffd\u52a0\u3057\u3001\u540c\u793e\u304c\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b50\u4e07\u4eba\u4ee5\u4e0a\u306e\u30ae\u30b0\u30ef\u30fc\u30ab\u30fc\u306b\u5bfe\u3059\u308b\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u652f\u6255\u3044\u4f53\u9a13\u3092\u4fc3\u9032\u3059\u308b\u3053\u3068\u306b\u8ca2\u732e\u3057\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u30c7\u30b8\u30bf\u30eb\u30b3\u30de\u30fc\u30b9\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u3067\u3042\u308bPayoneer\u306f\u3001\u30de\u30fc\u30b1\u30c3\u30c8\u30d7\u30ec\u30a4\u30b9\u3084\u30ae\u30b0\u30a8\u30b3\u30ce\u30df\u30fc\u3092\u542b\u3080500\u4e07\u4eba\u306e\u9867\u5ba2\u306b\u5bfe\u3057\u3066\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u6c7a\u6e08\u3092\u53ef\u80fd\u306b\u3059\u308b\u305f\u3081\u306bVisa Direct\u3092\u5229\u7528\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002\u7b2c\u4e8c\u306b\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305fP2P\u3084\u30b0\u30ed\u30fc\u30d0\u30eb\u9001\u91d1\u306f\u3001Visa Direct\u306e\u53d6\u5f15\u306e\u4e2d\u3067\u3082\u5229\u56de\u308a\u304c\u9ad8\u304f\u3001\u5927\u304d\u306a\u30d3\u30b8\u30cd\u30b9\u30c1\u30e3\u30f3\u30b9\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u4eca\u671f\u306f\u307e\u3060\u59cb\u307e\u3063\u305f\u3070\u304b\u308a\u3067\u3059\u304c\u3001\u53d6\u5f15\u4ef6\u6570\u306f\u524d\u5e74\u540c\u671f\u6bd4\u306750%\u8fd1\u304f\u5897\u52a0\u3057\u307e\u3057\u305f\u3002600 \u4e07\u4eba\u4ee5\u4e0a\u306e\u9867\u5ba2\u3068 17,000 \u793e\u306e\u4e2d\u5c0f\u4f01\u696d\u306b\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u56fd\u969b\u7684\u306a\u30ab\u30fc\u30c9\u9593\u6c7a\u6e08\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u3042\u308b Paysend \u3068\u306e\u95a2\u4fc2\u3092\u7b2c 4 \u56db\u534a\u671f\u306b\u767a\u8868\u3057\u305f\u5f8c\u3001\u5f7c\u3089\u306f\u73fe\u5728\u3001\u82f1\u56fd\u3068\u7c73\u56fd\u304b\u3089 100 \u4ee5\u4e0a\u306e\u56de\u5eca\u306b\u5411\u3051\u3066 Visa Direct \u306b\u3088\u308b\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30b5\u30fc\u30d3\u30b9\u3092\u958b\u59cb\u3057\u307e\u3057\u305f\u3002\u4e16\u754c\u9280\u884c\u306b\u3088\u308b\u3068\u3001\u56fd\u5225\u9001\u91d1\u984d\u306e\u30c8\u30c3\u30d7\u306f\u7c73\u56fd\u3067\u3059\u304c\u3001UAE\u306f\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u306b\u6b21\u3050\u7b2c2\u4f4d\u3067\u3059\u3002\u6e7e\u5cb8\u5354\u529b\u4f1a\u8b70\u8af8\u56fd\u3092\u5408\u308f\u305b\u308b\u3068\u30011000\u5104\u30c9\u30eb\u4ee5\u4e0a\u306e\u6d77\u5916\u9001\u91d1\u304c\u884c\u308f\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n

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Visa Direct\u306e\u4e3b\u8981\u306a\u30d1\u30fc\u30c8\u30ca\u30fc\u3067\u3042\u308bAdyen\u3068Strike\u306f\u3001\u65e2\u5b58\u306e\u5730\u57df\u3067\u306e\u95a2\u4fc2\u3092\u6df1\u3081\u3001\u591a\u304f\u306e\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u306b\u304a\u3044\u3066\u4e16\u754c\u7684\u306b\u65b0\u3057\u3044\u5e02\u5834\u3078\u3068\u62e1\u5927\u3059\u308b\u5951\u7d04\u3092\u7de0\u7d50\u3057\u307e\u3057\u305f\u3002\u307e\u3068\u3081\u308b\u3068\u3001\u79c1\u305f\u3061\u306f185\u5146\u30c9\u30eb\u306e\u65b0\u305f\u306a\u30d5\u30ed\u30fc\u6a5f\u4f1a\u306b\u5bfe\u3057\u3066\u65e9\u671f\u306b\u7d20\u6674\u3089\u3057\u3044\u9032\u5c55\u3092\u9042\u3052\u307e\u3057\u305f\u304c\u3001\u4eca\u5f8c\u52a0\u901f\u7684\u306b\u6210\u9577\u3059\u308b\u4f59\u5730\u306f\u975e\u5e38\u306b\u5927\u304d\u3044\u306e\u3067\u3059\u3002\u6b21\u306b\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u3067\u3059\u304c\u3001\u3053\u308c\u3082\u7b2c 2 \u56db\u534a\u671f\u306b 20\uff05\u8d85\u306e\u5897\u53ce\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u307e\u305a\u3001\u6700\u8fd1\u3001Tink \u306e\u8cb7\u53ce\u3092\u5b8c\u4e86\u3057\u307e\u3057\u305f\u3002<\/p>\n

Tink \u306f\u6b27\u5dde\u306e\u30aa\u30fc\u30d7\u30f3\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u3001\u6b27\u5dde\u5168\u571f\u306e 3,400 \u4ee5\u4e0a\u306e\u9280\u884c\u3068\u63a5\u7d9a\u3057\u30012 \u5104 5,000 \u4e07\u4eba\u4ee5\u4e0a\u306e\u9280\u884c\u9867\u5ba2\u3068\u53d6\u5f15\u3057\u3066\u3044\u307e\u3059\u3002Tink\u306f\u5358\u4e00\u306eAPI\u3092\u901a\u3058\u3066\u3001\u9867\u5ba2\u304c\u8cc7\u91d1\u3092\u79fb\u52d5\u3057\u305f\u308a\u3001\u96c6\u7d04\u3055\u308c\u305f\u91d1\u878d\u30c7\u30fc\u30bf\u306b\u30a2\u30af\u30bb\u30b9\u3057\u305f\u308a\u3001\u30ea\u30b9\u30af\u30a4\u30f3\u30b5\u30a4\u30c8\u3084\u53e3\u5ea7\u78ba\u8a8d\u306a\u3069\u306e\u30b9\u30de\u30fc\u30c8\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u5229\u7528\u3057\u305f\u308a\u3059\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3057\u3066\u3044\u307e\u3059\u3002Visa\u306f\u3001\u5b9f\u7e3e\u306e\u3042\u308b\u30a4\u30f3\u30d5\u30e9\u3068\u6301\u7d9a\u7684\u306a\u6295\u8cc7\u3001\u305d\u3057\u3066\u30ec\u30b8\u30ea\u30a8\u30f3\u30b9\u3001\u30b5\u30a4\u30d0\u30fc\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3001\u4e0d\u6b63\u884c\u70ba\u3092\u3082\u305f\u3089\u3057\u3001\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u306e\u666e\u53ca\u3092\u52a0\u901f\u3057\u3001\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u305f\u3081\u306e\u5b89\u5168\u3067\u4fe1\u983c\u3067\u304d\u308b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u69cb\u7bc9\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305d\u306e\u4ed6\u3001\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306b\u304a\u3051\u308b\u9032\u6357\u3092\u3044\u304f\u3064\u304b\u7d39\u4ecb\u3055\u305b\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n

\u307e\u305a\u3001\u30d3\u30b6\u306e\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u3068\u30a2\u30ca\u30ea\u30c6\u30a3\u30af\u30b9\u3067\u3059\u3002\u524d\u56db\u534a\u671f\u3001\u79c1\u306f\u5c02\u9580\u7684\u306a\u30b0\u30ed\u30fc\u30d0\u30eb\u6697\u53f7\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u30d7\u30e9\u30af\u30c6\u30a3\u30b9\u306e\u7acb\u3061\u4e0a\u3052\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u4e16\u754c\u5404\u5730\u306e\u6570\u767e\u306e\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u304b\u3089\u95a2\u5fc3\u3092\u5bc4\u305b\u3089\u308c\u3001\u3059\u3067\u306b30\u793e\u3068\u3001\u30c7\u30b8\u30bf\u30eb\u901a\u8ca8\u6226\u7565\u3001\u88fd\u54c1\u958b\u767a\u3001\u5e02\u5834\u53c2\u5165\u8a08\u753b\u306b\u95a2\u3059\u308b\u5951\u7d04\u3092\u7d50\u3093\u3067\u3044\u307e\u3059\u3002\u7b2c\u4e8c\u306b\u3001\u30ea\u30b9\u30af\u30fb\u30a2\u30a4\u30c7\u30f3\u30c6\u30a3\u30c6\u30a3\u3068\u8a8d\u8a3c\u3067\u3059\u3002<\/p>\n

\u30c8\u30fc\u30af\u30f3\u5316\u3067\u306f\u3001150 \u4ee5\u4e0a\u306e\u5e02\u5834\u30018,600 \u4ee5\u4e0a\u306e\u767a\u884c\u4f53\u3001120 \u4e07\u306e\u52a0\u76df\u5e97\u3067\u3001\u73fe\u5728 35 \u5104\u30c8\u30fc\u30af\u30f3\u3092\u7a81\u7834\u3057\u3066\u3044\u307e\u3059\u3002\u30c8\u30fc\u30af\u30f3\u306e\u5c0e\u5165\u306b\u3088\u308a\u3001\u3053\u306e\u56db\u534a\u671f\u306b\u306f\u3001\u30ab\u30fc\u30c9\u3092\u63d0\u793a\u3057\u306a\u3044\u6c7a\u6e08\u306b\u304a\u3044\u3066\u627f\u8a8d\u7387\u304c2.5\u30dd\u30a4\u30f3\u30c8\u4e0a\u6607\u3057\u3001\u4e0d\u6b63\u7387\u304c28%\u6e1b\u5c11\u3057\u307e\u3057\u305f\u3002\u5f53\u793e\u306e\u4e3b\u8981\u306a\u30ea\u30b9\u30af\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3067\u3042\u308bVisa advanced authorization\u3068Visa risk manager\u306f\u30012022\u5e74\u4e0a\u534a\u671f\u306b2021\u5e74\u6bd4\u3067\u7d0430%\u591a\u304f\u306e\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u3092\u30b9\u30af\u30ea\u30fc\u30cb\u30f3\u30b0\u3057\u3066\u3044\u307e\u3059\u3002\u7b2c\u4e09\u306b\u3001\u5f53\u793e\u306e\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u6a5f\u80fd\u3067\u3042\u308b\u30b5\u30a4\u30d0\u30fc\u30bd\u30fc\u30b9\u306f\u3001100\u4e07\u756a\u76ee\u306e\u52a0\u76df\u5e97\u30a2\u30ab\u30a6\u30f3\u30c8\u306e\u642d\u8f09\u3068\u3044\u3046\u30de\u30a4\u30eb\u30b9\u30c8\u30fc\u30f3\u3092\u8d8a\u3048\u305f\u3070\u304b\u308a\u3067\u3001\u304b\u306a\u308a\u306e\u9032\u5c55\u3092\u898b\u305b\u3066\u3044\u307e\u3059\u3002<\/p>\n

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\u65b0\u898f\u30d5\u30ed\u30fc\u306f\u3001Visa Direct\u3068\u30ab\u30fc\u30c9\u5f0fB2B\u306e\u56de\u5fa9\u306b\u3088\u308a\u5897\u52a0\u3057\u307e\u3057\u305f\u3002Visa Direct\u306e\u53d6\u5f15\u4ef6\u6570\u306f20%\u5897\u52a0\u3057\u307e\u3057\u305f\u304c\u3001\u3053\u308c\u306f\u6628\u5e74\u306e\u7c73\u56fd\u3067\u306e\u597d\u8abf\u306a\u56db\u534a\u671f\u304c\u7d42\u308f\u3063\u305f\u3053\u3068\u3068\u3001\u30ed\u30b7\u30a2\u306e\u4e8b\u696d\u304c\u505c\u6b62\u3057\u3066\u3044\u305f\u3053\u3068\u304c\u5f71\u97ff\u3057\u3066\u3044\u307e\u3059\u3002Al\u304c\u6307\u6458\u3057\u305f\u3088\u3046\u306b\u3001\u30ed\u30b7\u30a2\u306fVisa Direct\u306b\u3068\u3063\u30662\u756a\u76ee\u306b\u5927\u304d\u306a\u5e02\u5834\u3067\u3042\u308a\u3001\u53d6\u5f15\u306e17%\u3092\u5360\u3081\u3066\u3044\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u6b8b\u5ff5\u306a\u3053\u3068\u3067\u3059\u304c\u3001Visa Direct\u306f\u4ed6\u306e\u56fd\u969b\u5e02\u5834\u3067\u3082\u3001\u307e\u305f\u56fd\u5883\u3092\u8d8a\u3048\u305f\u9001\u91d1\u3001\u8cc3\u91d1\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3001\u305d\u306e\u4ed6\u306eB2C\u652f\u6255\u3044\u306a\u3069\u306e\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3067\u3082\u3001\u6025\u901f\u306b\u4e8b\u696d\u3092\u62e1\u5927\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

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Harshita\u3001\u7d20\u6674\u3089\u3057\u3044\u8cea\u554f\u3067\u3059\u306d\u3002\u3054\u5b58\u77e5\u306e\u3088\u3046\u306b\u3001\u524d\u56de\u306e\u96fb\u8a71\u4f1a\u8b70\u3067\u304a\u4f1d\u3048\u3057\u305f2\u3064\u306e\u3053\u3068\u306f\u3001\u4eca\u3082\u771f\u5b9f\u3067\u3059\u3002\u3072\u3068\u3064\u306f\u3001\u4e00\u822c\u7684\u306b\u3001\u4e16\u754c\u4e2d\u306e\u56fd\u3005\u306f\u56fd\u5883\u3092\u958b\u653e\u3057\u305f\u307e\u307e\u306b\u3057\u3066\u304a\u304d\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3001\u3082\u3046\u3072\u3068\u3064\u306f\u3001\u4e2d\u56fd\u306f\u4f8b\u5916\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u65e5\u672c\u3001\u97d3\u56fd\u3001\u53f0\u6e7e\u3067\u306f\u3044\u304f\u3064\u304b\u306e\u5236\u9650\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u9999\u6e2f\u3082\u4f8b\u5916\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u308c\u4ee5\u5916\u306f\u3001\u4e16\u754c\u4e2d\u3069\u3053\u3067\u3082\u304b\u306a\u308a\u81ea\u7531\u306b\u65c5\u884c\u304c\u3067\u304d\u307e\u3059\u3002\u30c6\u30b9\u30c8\u304c\u5fc5\u8981\u306a\u56fd\u3082\u3042\u308c\u3070\u3001\u4e0d\u8981\u306a\u56fd\u3082\u3042\u308a\u307e\u3059\u3002\u305d\u3046\u306a\u3093\u3067\u3059\u306d\u3002<\/p>\n

\u3082\u3046\u3072\u3068\u3064\u306f\u3001\u65c5\u884c\u306b\u5bfe\u3059\u308b\u30da\u30f3\u30c8\u30a2\u30c3\u30d7\u30fb\u30c7\u30de\u30f3\u30c9\u304c\u975e\u5e38\u306b\u9ad8\u3044\u307e\u307e\u3067\u3042\u308b\u3053\u3068\u3067\u3059\u3002\u590f\u306e\u4e88\u7d04\u72b6\u6cc1\u306a\u3069\u306f\u3001\u4ed6\u306e\u65b9\u3005\u306e\u8a71\u306b\u3082\u3042\u308b\u3088\u3046\u306b\u3001\u975e\u5e38\u306b\u826f\u597d\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u79c1\u305f\u3061\u306e\u8a08\u7b97\u3067\u306f\u3001\u4e8b\u614b\u306e\u56de\u5fa9\u306e\u901f\u3055\u306b\u306f\u5f37\u6c17\u3067\u3042\u3063\u305f\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u3053\u308c\u307e\u3067\u306e\u3068\u3053\u308d\u9a5a\u3044\u3066\u3044\u307e\u3059\u30021\u6708\u4ee5\u964d\u306b\u3054\u89a7\u3044\u305f\u3060\u3044\u305f\u3088\u3046\u306b\u3001\u56de\u5fa9\u306f\u975e\u5e38\u306b\u529b\u5f37\u3044\u3082\u306e\u3067\u3057\u305f\u3002<\/p>\n

\u73fe\u6642\u70b9\u3067\u306f\u3001\u7c73\u56fd\u3078\u306e\u30a4\u30f3\u30d0\u30a6\u30f3\u30c9\u306f\u30013\u6708\u672b\u6642\u70b9\u3067\u306f\u307e\u306070\u306b\u3068\u3069\u307e\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u7b2c2\u56db\u534a\u671f\u672b\u6642\u70b9\u3067\u306f\u826f\u3044\u56de\u5fa9\u8ecc\u9053\u306b\u3042\u308b\u3068\u3001\u79c1\u305f\u3061\u306f\u304b\u306a\u308a\u697d\u89b3\u8996\u3057\u3066\u3044\u307e\u3059\u3002\u30e8\u30fc\u30ed\u30c3\u30d1\u3082\u307e\u3060\u56de\u5fa9\u57fa\u8abf\u306b\u3042\u308a\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u305d\u3046\u3057\u305f\u3053\u3068\u304c2019\u5e74\u306e\u6c34\u6e96\u306b\u623b\u308b\u305f\u3081\u306e\u52a9\u3051\u3068\u306a\u308b\u3053\u3068\u306f\u9593\u9055\u3044\u306a\u3044\u3067\u3057\u3087\u3046\u3002\u305d\u3057\u3066\u3001\u3042\u306a\u305f\u306e\u304a\u3063\u3057\u3083\u308b\u901a\u308a\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u524d\u306e\u3042\u308b\u3079\u304d\u59ff\u306b\u3069\u308c\u3060\u3051\u65e9\u304f\u3001\u3069\u308c\u3060\u3051\u5230\u9054\u3067\u304d\u308b\u304b\u306f\u3001\u30a2\u30b8\u30a2\u306e\u56de\u5fa9\u306b\u304b\u304b\u3063\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u7b2c2\u56db\u534a\u671f\u306e\u30a2\u30b8\u30a2\u306e\u6307\u6570\u306f40\u3092\u4e0b\u56de\u308a\u307e\u3057\u305f\u3002\u4e2d\u56fd\u306f\u30a2\u30b8\u30a2\u306e\u91cd\u8981\u306a\u4e00\u89d2\u3092\u5360\u3081\u3066\u3044\u307e\u3059\u3002\u4e2d\u56fd\u306f\u30a2\u30b8\u30a2\u306e\u91cd\u8981\u306a\u90e8\u5206\u3067\u3059\u304c\u3001\u307e\u3060\u4fe1\u3058\u3089\u308c\u306a\u3044\u307b\u3069\u843d\u3061\u8fbc\u3093\u3067\u3044\u307e\u3059\u3002\u65e5\u672c\u3001\u97d3\u56fd\u3001\u53f0\u6e7e\u3082\u30a2\u30b8\u30a2\u306e\u56fd\u5883\u3092\u8d8a\u3048\u305f\u65c5\u884c\u3067\u306f\u91cd\u8981\u306a\u5f79\u5272\u3092\u62c5\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30a2\u30b8\u30a2\u306f\u56de\u5fa9\u3057\u3066\u3044\u307e\u3059\u3002\u30a2\u30b8\u30a2\u306f\u56de\u5fa9\u3057\u3064\u3064\u3042\u308a\u3001\u826f\u3044\u50be\u5411\u3082\u898b\u3089\u308c\u307e\u3059\u3002\u78ba\u304b\u306b\u3001\u30a4\u30f3\u30c9\u3001\u30bf\u30a4\u3001\u30a4\u30f3\u30c9\u30cd\u30b7\u30a2\u306a\u3069\u306e\u30a2\u30b8\u30a2\u306e\u4e00\u90e8\u3078\u306e\u65c5\u884c\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306f\u6025\u901f\u306b\u56de\u5fa9\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u3042\u306a\u305f\u306e\u8a00\u3046\u3068\u304a\u308a\u3067\u3059\u3002<\/p>\n

\u3057\u304b\u3057\u3001\u304a\u3063\u3057\u3083\u308b\u3068\u304a\u308a\u3001130\u307e\u3067\u884c\u304f\u306b\u306f\u3001\u30a2\u30b8\u30a2\u306b\u6b8b\u3063\u3066\u3044\u308b\u4e2d\u56fd\u3001\u65e5\u672c\u3001\u97d3\u56fd\u3068\u3044\u3063\u305f\u5927\u304d\u306a\u65c5\u884c\u30b3\u30f3\u30dd\u30fc\u30cd\u30f3\u30c8\u304c\u672c\u5f53\u306b\u5fa9\u6d3b\u3057\u3066\u304f\u308b\u304b\u3069\u3046\u304b\u306b\u304b\u304b\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u3042\u305f\u308a\u306f\u69d8\u5b50\u3092\u898b\u306a\u304c\u3089\u3001\u6b21\u306e\u96fb\u8a71\u3067\u3054\u5831\u544a\u3057\u307e\u3059\u3002<\/p>\n

Harshita Rawat — Sanford C. Bernstein — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3068\u3066\u3082\u52a9\u304b\u308a\u307e\u3057\u305f\u3002<\/p>\n

Jennifer Como — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u8cac\u4efb\u8005<\/p>\n

\u7d20\u6674\u3089\u3057\u3044 \u6b21\u306e\u8cea\u554f\u306f\u3001\u30b8\u30e7\u30fc\u30c0\u30f3\u3067\u3059\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6b21\u306e\u8cea\u554f\u306fMoffettNathanson\u306e\u30ea\u30b5\u30fb\u30a8\u30ea\u30b9\u304b\u3089\u3067\u3059\u3002\u304a\u5f85\u305f\u305b\u3057\u307e\u3057\u305f\u3002<\/p>\n

Lisa Ellis — MoffettNathanson — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3053\u3093\u306b\u3061\u306f\u3002\u30b3\u30de\u30fc\u30b7\u30e3\u30eb\u30ab\u30fc\u30c9\u306b\u3064\u3044\u3066\u8cea\u554f\u304c\u3042\u308a\u307e\u3059\u3002\u30b3\u30de\u30fc\u30b7\u30e3\u30eb\u30ab\u30fc\u30c9\u306e\u30dc\u30ea\u30e5\u30fc\u30e0\u304c2019\u5e74\u306e\u30ec\u30d9\u30eb\u306e138%\u3067\u63a8\u79fb\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u304b\u306a\u308a\u5065\u5168\u306a\u6210\u9577\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u73fe\u91d1\u3084\u5c0f\u5207\u624b\u3001\u96fb\u4fe1\u9001\u91d1\u306a\u3069\u3001\u5546\u696d\u7528\u30ab\u30fc\u30c9\u306e\u652f\u6255\u5f62\u614b\u304c\u307e\u3060\u591a\u3044\u3053\u3068\u3092\u8003\u3048\u308b\u3068\u3001\u3053\u306e\u4e8b\u696d\u306f\u3042\u307e\u308a\u6ce8\u76ee\u3055\u308c\u3066\u3044\u306a\u3044\u3088\u3046\u306b\u611f\u3058\u307e\u3059\u3002B2B\u6c7a\u6e08\u306e\u30c7\u30b8\u30bf\u30eb\u5316\u3084\u30ab\u30fc\u30c9\u5316\u3092\u52a0\u901f\u3055\u305b\u308b\u305f\u3081\u306b\u3001\u73fe\u5728\u9032\u3081\u3066\u3044\u308b\u53d6\u308a\u7d44\u307f\u306b\u3064\u3044\u3066\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u30a2\u30eb\u30fb\u30b1\u30ea\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u30ea\u30b5\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3053\u306eB2B\u306e\u5206\u91ce\u306b\u306f122\u5146\u30c9\u30eb\u306e\u30d3\u30b8\u30cd\u30b9\u30c1\u30e3\u30f3\u30b9\u304c\u3042\u308a\u3001\u305d\u306e\u3046\u306120\u5146\u30c9\u30eb\u306f\u30ab\u30fc\u30c9\u6c7a\u6e08\u306e\u5206\u91ce\u3067\u300110\u5146\u30c9\u30eb\u306f\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u306e\u5206\u91ce\u3067\u306e\u30d3\u30b8\u30cd\u30b9\u30c1\u30e3\u30f3\u30b9\u3067\u3059\u3002\u30ab\u30fc\u30c9\u6c7a\u6e08\u306e\u5206\u91ce\u3067\u306f\u3001\u79c1\u305f\u3061\u306f\u3059\u3067\u306b\u5546\u696d\u30ab\u30fc\u30c9\u306e\u30dc\u30ea\u30e5\u30fc\u30e0\u3067\u6700\u5927\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u5546\u696d\u30ab\u30fc\u30c9\u306e\u767a\u884c\u679a\u6570\u306f\u6d88\u8cbb\u8005\u30ab\u30fc\u30c9\u306e\u767a\u884c\u679a\u6570\u3088\u308a\u306f\u308b\u304b\u306b\u5c11\u306a\u3044\u306e\u3067\u3001\u79c1\u305f\u3061\u306f\u5546\u696d\u30ab\u30fc\u30c9\u3092\u767a\u884c\u3059\u308b\u767a\u884c\u4f53\u306e\u6570\u3092\u5897\u3084\u3059\u3053\u3068\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u3066\u304d\u307e\u3057\u305f\u3002<\/p>\n

\u307e\u305f\u3001B2B\u30ab\u30fc\u30c9\u306e\u4f1d\u7d71\u7684\u306a\u8981\u7d20\u3067\u3042\u308b\u8cfc\u8cb7\u30ab\u30fc\u30c9\u3084\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ab\u30fc\u30c9\u306b\u52a0\u3048\u3001\u65c5\u884c\u3084\u71c3\u6599\u306e\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u306b\u975e\u5e38\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u30a2\u30af\u30bb\u30d7\u30bf\u30f3\u30b9\u3082\u5f15\u304d\u7d9a\u304d\u62e1\u5927\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u5546\u696d\u65bd\u8a2d\u3067\u306f\u3001\u53d7\u3051\u5165\u308c\u4f53\u5236\u306b\u30ae\u30e3\u30c3\u30d7\u304c\u3042\u308b\u305f\u3081\u3001\u6f5c\u5728\u7684\u306b\u7372\u5f97\u3067\u304d\u308b\u30dc\u30ea\u30e5\u30fc\u30e0\u3092\u3059\u3079\u3066\u7372\u5f97\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u305b\u3093\u3002\u79c1\u305f\u3061\u306f\u524d\u9032\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u5546\u696d\u30d9\u30fc\u30b9\u3067\u306e\u5e45\u5e83\u3044\u53d7\u3051\u5165\u308c\u614b\u52e2\u3068\u540c\u3058\u3088\u3046\u306a\u53d7\u3051\u5165\u308c\u614b\u52e2\u3092\u6574\u3048\u308b\u306b\u306f\u3001\u307e\u3060\u9053\u534a\u3070\u3067\u3059\u3002<\/p>\n

\u3053\u306e\u4e8b\u696d\u306f\u975e\u5e38\u306b\u91cd\u8981\u306a\u90e8\u5206\u3067\u3059\u3002\u5229\u56de\u308a\u3082\u9b45\u529b\u7684\u3067\u3059\u3002COVID\u4ee5\u524d\u306f\u4e00\u822c\u6d88\u8cbb\u8005\u5411\u3051\u3088\u308a\u3082\u901f\u3044\u30da\u30fc\u30b9\u3067\u6210\u9577\u3057\u3066\u3044\u307e\u3057\u305f\u3057\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u5f8c\u306b\u901a\u5e38\u306e\u6642\u671f\u306b\u623b\u308c\u3070\u4e00\u822c\u6d88\u8cbb\u8005\u5411\u3051\u3088\u308a\u3082\u901f\u304f\u6210\u9577\u3067\u304d\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u30d3\u30b8\u30cd\u30b9\u30c8\u30e9\u30d9\u30eb\u304c\u3069\u306e\u7a0b\u5ea6\u306e\u30da\u30fc\u30b9\u3067\u623b\u3063\u3066\u304f\u308b\u304b\u3082\u5927\u304d\u306a\u8981\u7d20\u3067\u3059\u3002<\/p>\n

\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u306e\u5206\u91ce\u3067\u306f\u3002\u3082\u3061\u308d\u3093\u3001B2B\u30b3\u30cd\u30af\u30c8\u306f\u5f53\u793e\u306e\u5927\u304d\u306a\u67f1\u3067\u3059\u3002B2B Connect\u306b\u3064\u3044\u3066\u306f\u3001\u3088\u308a\u591a\u304f\u306e\u56fd\u306e\u9280\u884c\u3092\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u53c2\u52a0\u3055\u305b\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u62e1\u5927\u3059\u308b\u3053\u3068\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304c\u304b\u306a\u308a\u5f37\u56fa\u306a\u30ec\u30d9\u30eb\u306b\u9054\u3059\u308c\u3070\u3001\u53d6\u5f15\u306e\u6d41\u308c\u306f\u304b\u306a\u308a\u901f\u304f\u306a\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3053\u306e\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306f\u3053\u306e\u975e\u5e38\u306b\u91cd\u8981\u306a\u5206\u91ce\u3092\u63a8\u9032\u3059\u308b\u305f\u3081\u306b\u6ce8\u529b\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\n

Lisa Ellis — MoffettNathanson — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

Jennifer Como — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u306e\u8cac\u4efb\u8005<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b8\u30e7\u30fc\u30c0\u30f3\u3067\u3059\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6b21\u306e\u8cea\u554f\u306fJP\u30e2\u30eb\u30ac\u30f3\u306e\u30c6\u30a3\u30a8\u30f3\uff1d\u30c6\u30a3\u30f3\u30fb\u30d5\u30a2\u30f3\u3055\u3093\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3044\u305f\u3057\u307e\u3059\u3002<\/p>\n

Tien-Tsin Huang — JPMorgan Chase and Company — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3069\u3046\u3082\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u975e\u5e38\u306b\u597d\u8abf\u306a\u696d\u7e3e\u3067\u3001\u305d\u308c\u306b\u3064\u3044\u3066\u304a\u805e\u304d\u3057\u305f\u3044\u306e\u3067\u3059\u3002\u53ce\u76ca\u898b\u901a\u3057\u3092\u5927\u5e45\u306b\u4e0a\u56de\u3063\u305f\u305f\u3081\u3001\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u30fb\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u30fb\u30d7\u30e9\u30f3\u306f\u4e88\u60f3\u306e\u4e0b\u9650\u306b\u9054\u3057\u3066\u3044\u308b\u3088\u3046\u306b\u898b\u3048\u307e\u3059\u3002\u305d\u3053\u3067\u3001\u3053\u306e2\u3064\u306e\u76f8\u5bfe\u7684\u306a\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u7406\u89e3\u3059\u308b\u305f\u3081\u306b\u3001\u78ba\u8a8d\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u53ce\u76ca\u304c\u4e0a\u304c\u308c\u3070\u3001\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u306b\u5bfe\u3059\u308b\u30d7\u30ec\u30c3\u30b7\u30e3\u30fc\u304c\u307b\u3068\u3093\u3069\u306a\u304f\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3057\u3087\u3046\u304b\uff1f\u305d\u308c\u3068\u3082\u3001\u3082\u3063\u3068\u8907\u96d1\u306a\u4e8b\u60c5\u304c\u3042\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n

\u30f4\u30a1\u30b5\u30f3\u30c8\u30fb\u30d7\u30e9\u30d6\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\uff08CFO<\/p>\n

\u3044\u3044\u3048\u3002\u30b3\u30e1\u30f3\u30c8\u3067\u7533\u3057\u4e0a\u3052\u305f\u3088\u3046\u306b\u30012\u3064\u306e\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u30021\u3064\u76ee\u306f\u3001\u5f53\u56db\u534a\u671f\u306e\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u306e\u56de\u5fa9\u304c\u4e88\u60f3\u3088\u308a\u5f37\u304b\u3063\u305f\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u306f\u826f\u3044\u56de\u5fa9\u3092\u671f\u5f85\u3057\u3066\u3044\u307e\u3057\u305f\u304c\u3001\u3053\u308c\u306f\u4e88\u60f3\u4ee5\u4e0a\u306b\u5f37\u304b\u3063\u305f\u306e\u3067\u3059\u3002\u305d\u306e\u7d50\u679c\u3001\u30df\u30c3\u30af\u30b9\u3082\u6539\u5584\u3055\u308c\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u56de\u5fa9\u304c\u5f37\u304f\u3066\u3082\u3001\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u306e\u69cb\u6210\u6bd4\u306f\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u524d\u306b\u6bd4\u3079\u3066\u307e\u3060\u4f4e\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u30df\u30c3\u30af\u30b9\u306f\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u306b\u5f71\u97ff\u3057\u307e\u3059\u3002<\/p>\n

\u3054\u5b58\u77e5\u306e\u901a\u308a\u3001\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u306f\u5206\u5b50\u3068\u5206\u6bcd\u3067\u69cb\u6210\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u304c\u4e0d\u5747\u8861\u306b\u5897\u52a0\u3059\u308b\u3068\u3001\u5206\u6bcd\u304c\u5897\u52a0\u3057\u3066\u3082\u5206\u5b50\u304c\u305d\u308c\u306b\u6bd4\u4f8b\u3057\u3066\u5897\u52a0\u3057\u306a\u3044\u305f\u3081\u3001\u591a\u304f\u306e\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u304c\u50cd\u304f\u3068\u3044\u3046\u6027\u8cea\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u6bd4\u7387\u304c\u4f4e\u304f\u306a\u3063\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u3082\u3046\u3072\u3068\u3064\u306e\u7406\u7531\u306f\u3001\u66f4\u65b0\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3084\u3001\u5951\u7d04\u4e0a\u306e\u7279\u5b9a\u306e\u30de\u30a4\u30eb\u30b9\u30c8\u30fc\u30f3\u306e\u9054\u6210\u306b\u9023\u52d5\u3057\u305f\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u306e\u8a8d\u8b58\u30bf\u30a4\u30df\u30f3\u30b0\u306a\u3069\u3001\u3042\u3089\u3086\u308b\u30bf\u30a4\u30df\u30f3\u30b0\u8981\u56e0\u304c\u3042\u308a\u3001\u305d\u306e\u7d50\u679c\u3001\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u306e\u4e00\u90e8\u304c\u7b2c3\u56db\u534a\u671f\u306b\u305a\u308c\u8fbc\u3093\u3067\u3057\u307e\u3063\u305f\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u3053\u306e\u305f\u3081\u3001\u7b2c3\u56db\u534a\u671f\u306f\u3001\u3044\u308f\u3070\u30ec\u30f3\u30b8\u306e\u4e0a\u9650\u3092\u8d85\u3048\u308b\u6c34\u6e96\u306b\u306a\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u3002\u901a\u671f\u3067\u3082\u3001\u5148\u307b\u3069\u3054\u8aac\u660e\u3057\u305f\u7bc4\u56f2\u5185\u306b\u53ce\u307e\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3059\u3079\u3066\u3001\u30df\u30c3\u30af\u30b9\u3068\u30bf\u30a4\u30df\u30f3\u30b0\u306e\u7d44\u307f\u5408\u308f\u305b\u306b\u3088\u308b\u3082\u306e\u3067\u3059\u3002<\/p>\n

\u30a2\u30eb\u30fb\u30b1\u30ea\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u305f\u3060\u3072\u3068\u3064\u4ed8\u3051\u52a0\u3048\u308b\u3068\u3059\u308c\u3070\u3001Tien-Tsin\u306f\u79c1\u305f\u3061\u306e\u3053\u3068\u3092\u305a\u3063\u3068\u898b\u3066\u304d\u3066\u304f\u308c\u307e\u3057\u305f\u306d\u3002\u3064\u307e\u308a\u3001\u4e88\u6e2c\u306b\u306f\u82b8\u8853\u3068\u79d1\u5b66\u304c\u3042\u308b\u306e\u3067\u3059\u3002\u30f4\u30a1\u30b5\u30f3\u30c8\u304c\u8a71\u3057\u3066\u3044\u305f\u30bf\u30a4\u30df\u30f3\u30b0\u306b\u3064\u3044\u3066\u3067\u3059\u304c\u3001\u79c1\u305f\u3061\u306f\u53d6\u5f15\u304c\u3044\u3064\u884c\u308f\u308c\u308b\u304b\u3068\u3044\u3046\u4eee\u5b9a\u3092\u7acb\u3066\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u53d6\u5f15\u3092\u958b\u59cb\u3057\u305f\u308a\u3001\u79fb\u884c\u3092\u958b\u59cb\u3057\u305f\u308a\u3059\u308b\u307e\u3067\u306b\u3069\u308c\u304f\u3089\u3044\u306e\u6642\u9593\u304c\u304b\u304b\u308b\u304b\u3092\u60f3\u5b9a\u3057\u3001\u3055\u3089\u306b\u3001\u305d\u306e\u53d6\u5f15\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306b\u3064\u3044\u3066\u3082\u60f3\u5b9a\u3057\u307e\u3059\u3002<\/p>\n

1\u5e74\u306e\u9593\u306b\u4f55\u767e\u3082\u306e\u6848\u4ef6\u304c\u767a\u751f\u3059\u308b\u4e2d\u3067\u3001\u3053\u308c\u3089\u3059\u3079\u3066\u3092\u6b63\u3057\u304f\u4e88\u6e2c\u3067\u304d\u308b\u78ba\u7387\u306f\u9ad8\u304f\u306a\u304f\u3001\u5e38\u306b\u4e88\u6e2c\u3059\u308b\u3053\u3068\u306f\u5bb9\u6613\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30f4\u30a1\u30b5\u30f3\u30c8\u304c\u8aac\u660e\u3057\u305f\u3088\u3046\u306b\u3001\u4eca\u671f\u306e\u696d\u7e3e\u304c\u4f4e\u6c34\u6e96\u3060\u3063\u305f\u306e\u306f\u3001\u30bf\u30a4\u30df\u30f3\u30b0\u3068\u30df\u30c3\u30af\u30b9\u306e2\u3064\u304c\u4e3b\u306a\u8981\u56e0\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u56fd\u5883\u3092\u8d8a\u3048\u305f\u696d\u7e3e\u30a2\u30c3\u30d7\u304c\u8981\u56e0\u3067\u3059\u3002<\/p>\n

Tien-Tsin Huang — JPMorgan Chase and Company — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u306f\u3044\u3001\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u79c1\u305f\u3061\u306f\u3001\u305d\u308c\u3092\u89b3\u5bdf\u3057\u306a\u304c\u3089\u591a\u304f\u306e\u3053\u3068\u3092\u5b66\u3073\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u30a2\u30eb\u30fb\u30b1\u30ea\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u8cac\u4efb\u8005<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b8\u30e7\u30fc\u30c0\u30f3\u3067\u3059\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6b21\u306e\u8cea\u554f\u306fKBW\u306e\u30b5\u30f3\u30b8\u30e3\u30a4\u30fb\u30b5\u30af\u30e9\u30cb\u3067\u3059\u3002\u56de\u7dda\u306f\u958b\u3044\u3066\u3044\u307e\u3059<\/p>\n

Sanjay Sakhrani — KBW — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u30f4\u30a1\u30b5\u30f3\u30c8\u3055\u3093\u3001\u4e0b\u671f\u306b\u30ed\u30b7\u30a2\u304b\u30894\uff05\u30dd\u30a4\u30f3\u30c8\u306e\u5f71\u97ff\u3092\u53d7\u3051\u305f\u3068\u306e\u3053\u3068\u3067\u3059\u304c\u3001\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u30fb\u30c8\u30ec\u30f3\u30c9\u306e\u5f37\u5316\u306b\u3088\u308a\u3001\u305d\u306e\u5f71\u97ff\u3092\u514b\u670d\u3067\u304d\u305f\u3088\u3046\u3067\u3059\u306d\u3002\u3057\u304b\u3057\u3001\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u30fb\u30d3\u30b8\u30cd\u30b9\u304c\u597d\u8abf\u306a\u305f\u3081\u3001\u305d\u306e\u5f71\u97ff\u3092\u3042\u308b\u7a0b\u5ea6\u306f\u514b\u670d\u3067\u304d\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002EPS\u3078\u306e\u5f71\u97ff\u3068\u30d5\u30ed\u30fc\u30b9\u30eb\u30fc\u3092\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u30ed\u30b7\u30a2\u3092\u76f8\u6bba\u3067\u304d\u308b\u8cbb\u7528\u304c\u3044\u304f\u3064\u304b\u3042\u308b\u3068\u304a\u3063\u3057\u3083\u3044\u307e\u3057\u305f\u304c\u3001\u305d\u306e\u3042\u305f\u308a\u306b\u3064\u3044\u3066\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u30f4\u30a1\u30b5\u30f3\u30c8\u30fb\u30d7\u30e9\u30d6\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\uff08CFO<\/p>\n

\u30ed\u30b7\u30a2\u306b\u3088\u308b\u53ce\u76ca\u3078\u306e\u5f71\u97ff\u306f4\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002\u3064\u307e\u308a\u3001\u53ce\u76ca\u3078\u306e\u5f71\u97ff\u306f\u307b\u307c\u3053\u306e\u7a0b\u5ea6\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u56db\u534a\u671f\u306b\u304a\u3051\u308b\u5f53\u793e\u306e\u53ce\u76ca\u4e88\u60f3\u306f\u3001\u6052\u5e38\u70ba\u66ff\u30ec\u30fc\u30c8\u30d9\u30fc\u30b9\u306710\uff05\u53f0\u524d\u534a\u304b\u3089\u534a\u3070\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u3082\u3057\u3001\u30ed\u30b7\u30a2\u304c\u306a\u3051\u308c\u3070\u3001\u305d\u308c\u306b4\u30dd\u30a4\u30f3\u30c8\u4e0a\u4e57\u305b\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u305d\u306e\u3088\u3046\u306a\u72b6\u6cc1\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u5805\u8abf\u306b\u63a8\u79fb\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u304a\u3063\u3057\u3083\u308b\u3068\u304a\u308a\u3001\u30ed\u30b7\u30a2\u304c\u306a\u304f\u306a\u3063\u305f\u5206\u3001\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u30fb\u30d3\u30b8\u30cd\u30b9\u304c\u5f37\u304f\u306a\u308b\u3053\u3068\u3067\u3042\u308b\u7a0b\u5ea6\u76f8\u6bba\u3055\u308c\u308b\u304b\u3089\u3067\u3059\u3002\u7d4c\u8cbb\u9762\u3067\u3082\u540c\u69d8\u306e\u554f\u984c\u304c\u3042\u308a\u3001\u30ed\u30b7\u30a2\u306e\u7d4c\u8cbb\u304c\u306a\u304f\u306a\u308b\u3053\u3068\u306710\uff05\u53f0\u534a\u3070\u306e\u7d4c\u8cbb\u5897\u3068\u306a\u308a\u3001\u30ed\u30b7\u30a2\u3067\u306a\u304f\u306a\u308b\u7d4c\u8cbb\u306f\u4e3b\u306b2\u3064\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u4ee5\u524d\u306f\u30ed\u30b7\u30a2\u306e\u30d7\u30ed\u30bb\u30c3\u30b5\u30fc\u306b\u53d6\u5f15\u51e6\u7406\u8cbb\u7528\u3092\u652f\u6255\u3063\u3066\u3044\u307e\u3057\u305f\u3002\u3053\u308c\u304b\u3089\u306f\u652f\u6255\u3046\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3082\u3061\u308d\u3093\u3001\u30d3\u30b8\u30cd\u30b9\u3092\u5c55\u958b\u3059\u308c\u3070\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u3084\u305d\u306e\u4ed6\u3055\u307e\u3056\u307e\u306a\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u30ed\u30b7\u30a2\u3067\u306e\u4eba\u4ef6\u8cbb\u306e\u4e00\u90e8\u306f\u6b8b\u308a\u307e\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u306f\u30ed\u30b7\u30a2\u306e\u5f93\u696d\u54e1\u306b\u5bfe\u3057\u3066\u3001\u5225\u306e\u5f79\u5272\u306b\u3064\u3044\u3066\u3044\u304f\u3064\u304b\u306e\u7d04\u675f\u3092\u3057\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u305d\u308c\u3089\u304c\u3059\u3079\u3066\u306a\u304f\u306a\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u305f\u3081\u3001\u4e0b\u671f\u306e\u8cbb\u7528\u306f\u304a\u305d\u3089\u304f2\uff5e3\u30dd\u30a4\u30f3\u30c8\u6e1b\u5c11\u3059\u308b\u3068\u601d\u308f\u308c\u307e\u3059\u3002\u4e00\u65b9\u3001\u6628\u5e74\u306f\u306a\u304b\u3063\u305fTink\u3068Currencycloud\u304c\u5165\u3063\u3066\u304d\u3066\u304a\u308a\u3001\u3053\u308c\u306f3\u30dd\u30a4\u30f3\u30c8\u307b\u3069\u3067\u3059\u3002<\/p>\n

\u3064\u307e\u308a\u3001\u6d17\u8133\u3055\u308c\u3001\u53cd\u5bfe\u65b9\u5411\u306b\u884c\u304f\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305d\u3057\u3066\u6700\u5f8c\u306b\u3001\u70ba\u66ff\u30ec\u30fc\u30c8\u304c1.5\u30dd\u30a4\u30f3\u30c8\u307b\u3069\u7d4c\u8cbb\u3092\u52a9\u3051\u3066\u304f\u308c\u308b\u3067\u3057\u3087\u3046\u3002\u3053\u308c\u304c\u3059\u3079\u3066\u306e\u8981\u7d20\u3067\u3059\u3002\u3082\u3057\u30ed\u30b7\u30a2\u304c\u64cd\u696d\u505c\u6b62\u3057\u3066\u3044\u306a\u3051\u308c\u3070\u3001\u5f53\u793e\u306e\u7d4c\u8cbb\u306f\u304a\u305d\u3089\u304f2\uff5e3\u30dd\u30a4\u30f3\u30c8\u9ad8\u304f\u306a\u3063\u3066\u3044\u305f\u3067\u3057\u3087\u3046\u3002<\/p>\n

Sanjay Sakhrani — KBW — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u305d\u3046\u3067\u3059\u304b\u3002\u7d20\u6674\u3089\u3057\u3044\u3002\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u306e\u696d\u7e3e\u306f\u3001\u3088\u308a\u591a\u304f\u306e\u30d5\u30ed\u30fc\u30b9\u30eb\u30fc\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u306d\uff1f<\/p>\n

Vasant Prabhu — \u4f1a\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\uff08CFO<\/p>\n

\u305d\u3046\u3067\u3059\u306d\u3001\u90e8\u5206\u7684\u306b\u306f\u3002\u4e3b\u306a\u7406\u7531\u306f\u3001\u305d\u308c\u306b\u4f34\u3046\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u304c\u4f4e\u304f\u306a\u308b\u50be\u5411\u304c\u3042\u308b\u3053\u3068\u3068\u3001\u3088\u308a\u5229\u56de\u308a\u306e\u9ad8\u3044\u30d3\u30b8\u30cd\u30b9\u3060\u304b\u3089\u3067\u3059\u3002\u305d\u3046\u3067\u3059\u306d\u3002<\/p>\n

Sanjay Sakhrani — KBW — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

OK\u3001\u7d20\u6674\u3089\u3057\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n

Jennifer Como — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u8cac\u4efb\u8005<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b8\u30e7\u30fc\u30c0\u30f3\u3067\u3059\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u30a6\u30a9\u30eb\u30d5\u30fb\u30ea\u30b5\u30fc\u30c1\u306e\u30c0\u30ea\u30f3\u30fb\u30da\u30e9\u30fc\u304b\u3089\u3067\u3059\u3002\u56de\u7dda\u306f\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

Darrin Peller — Wolfe Research — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3069\u3046\u3082\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u30ed\u30b7\u30a2\u3084\u30a6\u30af\u30e9\u30a4\u30ca\u3067\u660e\u3089\u304b\u306b\u554f\u984c\u304c\u8d77\u304d\u3066\u3044\u308b\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u901a\u5e74\u306e\u6052\u5e38\u901a\u8ca8\u5efa\u3066\u30ac\u30a4\u30c0\u30f3\u30b9\u304c\u5f15\u304d\u4e0a\u3052\u3089\u308c\u305f\u306e\u306f\u7d20\u6674\u3089\u3057\u3044\u3053\u3068\u3067\u3059\u3002\u305f\u3060\u3001\u3044\u304f\u3064\u304b\u306e\u6295\u8cc7\u5bb6\u304b\u3089\u3001\u901a\u671f\u306b\u304a\u3051\u308b\u30ed\u30b7\u30a2\u306e\u5f71\u97ff\u3082\u542b\u307e\u308c\u3066\u3044\u308b\u304b\u3069\u3046\u304b\u78ba\u8a8d\u3059\u308b\u3088\u3046\u306b\u3068\u306e\u554f\u3044\u5408\u308f\u305b\u3092\u53d7\u3051\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u304b\u3089\u3001\u30a2\u30eb\u3001\u3082\u3046\u4e00\u5ea6\u78ba\u8a8d\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3002<\/p>\n

\u3064\u307e\u308a\u3001\u3042\u306a\u305f\u65b9\u306f\u7d99\u7d9a\u7684\u306b\u3001\u52a0\u901f\u5ea6\u7684\u306b\u6210\u9577\u3059\u308b\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u304b\u3089\u306e\u8131\u51fa\u306e\u53ef\u80fd\u6027\u3092\u5f37\u8abf\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u306f\u65b0\u3057\u3044\u30d5\u30ed\u30fc\u3084\u65b0\u3057\u3044\u30b5\u30fc\u30d3\u30b9\u306e\u6a5f\u4f1a\u304c\u5927\u304d\u304f\u6210\u9577\u3057\u3066\u3044\u308b\u3053\u3068\u3068\u5927\u3044\u306b\u95a2\u4fc2\u304c\u3042\u308b\u306e\u3060\u3068\u78ba\u4fe1\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u70b9\u306b\u3064\u3044\u3066\u3001\u3082\u3046\u4e00\u5ea6\u8aac\u660e\u3057\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\u3002\u307e\u305f\u3001\u305d\u306e\u81ea\u4fe1\u306e\u6839\u62e0\u306b\u3064\u3044\u3066\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u307e\u305f\u3001\u3069\u306e\u3088\u3046\u306a\u6210\u9577\u7387\u3092\u9054\u6210\u3067\u304d\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n

\u30a2\u30eb\u30fb\u30b1\u30ea\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u30c0\u30ea\u30f3 \u79c1\u306b\u3068\u3063\u3066\u6700\u3082\u91cd\u8981\u306a\u3053\u3068\u306f\u3001\u3053\u3053\u6570\u5e74\u3001\u30d3\u30b8\u30cd\u30b9\u8ee2\u63db\u3084\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3068\u306e\u5951\u7d04\u3001\u5f93\u6765\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u3068\u306e\u30d3\u30b8\u30cd\u30b9\u62e1\u5927\u306a\u3069\u306e\u9762\u3067\u3001\u4f11\u307f\u3092\u53d6\u3089\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u3053\u3068\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u4e16\u754c\u306e\u4e00\u90e8\u306e\u5730\u57df\u3067\u306f\u3001\u53d7\u3051\u5165\u308c\u614b\u52e2\u3092\u9a5a\u7570\u7684\u306b\u62e1\u5927\u3057\u307e\u3057\u305f\u3002\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306b\u3088\u3063\u3066\u591a\u304f\u306e\u5834\u5408\u3001\u652f\u51fa\u304c\u6291\u5236\u3055\u308c\u305f\u305f\u3081\u3001\u79c1\u305f\u3061\u304c\u53d6\u3063\u305f\u884c\u52d5\u306f\u3001\u307e\u3060\u53cd\u6620\u3055\u308c\u3066\u3044\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u304b\u3089\u8131\u5374\u3059\u308c\u3070\u3001\u79c1\u305f\u3061\u304c\u3068\u3063\u305f\u3055\u307e\u3056\u307e\u306a\u63aa\u7f6e\u306e\u30d5\u30ed\u30fc\u30b9\u30eb\u30fc\u3092\u898b\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u307e\u305f\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u305d\u306e\u3082\u306e\u304c\u3001e\u30b3\u30de\u30fc\u30b9\u306b\u304a\u3051\u308bCNP\u306e\u5229\u7528\u3092\u52a0\u901f\u3055\u305b\u3001\u305d\u308c\u304c\u6301\u7d9a\u7684\u306a\u30e2\u30c7\u30eb\u3068\u306a\u3063\u3066\u3001\u4eca\u5f8c\u306e\u6210\u9577\u3092\u5f8c\u62bc\u3057\u3059\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u79c1\u305f\u3061\u306f\u305d\u306e\u5229\u70b9\u3092\u751f\u304b\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001Visa Direct\u306e\u3088\u3046\u306a\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3092\u8ffd\u52a0\u3057\u7d9a\u3051\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u30ea\u30b9\u30af\u3068\u30a2\u30a4\u30c7\u30f3\u30c6\u30a3\u30c6\u30a3\u306e\u30c4\u30fc\u30eb\u306e\u69cb\u7bc9\u3082\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002<\/p>\n

Visa\u306e\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u30fb\u30b5\u30fc\u30d3\u30b9\u3082\u6210\u9577\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u3068\u3044\u3046\u7570\u69d8\u306a\u4e16\u754c\u3067\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u305f\u904e\u53bb27\u30ab\u6708\u307b\u3069\u306e\u9593\u306b\u884c\u3063\u305f\u591a\u304f\u306e\u6295\u8cc7\u306e\u30d5\u30ed\u30fc\u30b9\u30eb\u30fc\u3092\u3001\u5e02\u5834\u306f\u307e\u3060\u898b\u3066\u3044\u306a\u3044\u3068\u79c1\u306f\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u3088\u308a\u6b63\u5e38\u306a\u74b0\u5883\u306b\u306a\u308a\u59cb\u3081\u308b\u3068\u3001\u305d\u308c\u304c\u898b\u3048\u3066\u304f\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u308c\u304c\u6700\u5927\u306e\u8981\u56e0\u3067\u3059\u3002<\/p>\n

\u30f4\u30a1\u30b5\u30f3\u30c8\u3001\u30c0\u30ea\u30f3\u306e\u6700\u521d\u306e\u8cea\u554f\u3001\u3064\u307e\u308a\u30ed\u30b7\u30a2\u306b\u3064\u3044\u3066\u7b54\u3048\u305f\u3044\u306e\u3067\u3059\u304c\uff1f<\/p>\n

\u30f4\u30a1\u30b5\u30f3\u30c8\u30fb\u30d7\u30e9\u30d6\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\uff08CFO<\/p>\n

\u305d\u3046\u3067\u3059\u306d\u3002\u306f\u3044\u3001\u30c0\u30ea\u30f3\u3001\u5f53\u793e\u306e\u901a\u671f\u898b\u901a\u3057\u306f\u3001\u4e0b\u534a\u671f\u306e\u30ed\u30b7\u30a2\u306e\u5f71\u97ff\u3092\u7e54\u308a\u8fbc\u3093\u3067\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u7b2c2\u56db\u534a\u671f\u304c\u597d\u8abf\u3060\u3063\u305f\u3053\u3068\u3092\u53cd\u6620\u3057\u305f\u3082\u306e\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u4e0a\u534a\u671f\u306e\u6210\u9577\u7387\u3092\u898b\u308b\u3068\u3001\u4e0b\u534a\u671f\u306e\u30ed\u30b7\u30a2\u306e\u5f71\u97ff\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u6052\u5e38\u70ba\u66ff\u30ec\u30fc\u30c8\u30d9\u30fc\u30b9\u306710%\u53f0\u5f8c\u534a\u304b\u308920%\u7a0b\u5ea6\u306b\u306a\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

Darrin Peller — Wolfe Research — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n

Jennifer Como — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u8cac\u4efb\u8005<\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3002\u30b8\u30e7\u30fc\u30c0\u30f3\u3001\u6b21\u306e\u8cea\u554f\u3092\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u30b7\u30c6\u30a3\u306e\u30a2\u30b7\u30e5\u30a6\u30a3\u30f3\u30fb\u30b7\u30eb\u30f4\u30a1\u30a4\u30ab\u30fc\u304b\u3089\u3067\u3059\u3002\u304a\u5f85\u305f\u305b\u3057\u307e\u3057\u305f\u3002<\/p>\n

Ashwin Shirvaikar — Citi — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3053\u3093\u3070\u3093\u306f\u3001\u7686\u3055\u3093\u3002\u30a2\u30eb\u3001\u30f4\u30a1\u30b5\u30f3\u30c8\u3001\u7d20\u6674\u3089\u3057\u3044\u56db\u534a\u671f\u3067\u3057\u305f\u306d\u3002\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u304b\u3089\u5c11\u3057\u96e2\u308c\u3066\u3001Tink\u306b\u3064\u3044\u3066\u304a\u805e\u304d\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3001Tink\u3092\u3069\u306e\u3088\u3046\u306b\u6d3b\u7528\u3057\u3001\u3069\u306e\u3088\u3046\u306b\u6210\u9577\u3055\u305b\u3066\u3044\u304f\u306e\u3067\u3057\u3087\u3046\u304b\u3002\u5730\u57df\u7684\u306a\u6210\u9577\u3001\u30c7\u30d3\u30c3\u30c8\u3001Visa\u30c0\u30a4\u30ec\u30af\u30c8\u3001\u5e45\u5e83\u3044\u6c7a\u6e08\u6a5f\u80fd\u306a\u3069\u306b\u95a2\u3059\u308b\u6a5f\u80fd\u306e\u62e1\u5927\u306a\u3069\u3001\u3044\u308d\u3044\u308d\u306a\u3053\u3068\u3092\u304a\u805e\u304b\u305b\u304f\u3060\u3055\u3044\u3002<\/p>\n

\u30a2\u30eb\u30fb\u30b1\u30ea\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u7686\u3055\u3093\u3078\u306e\u6ce8\u610f\u4e8b\u9805\u3068\u3057\u3066\u3001\u79c1\u306f\u767a\u8a00\u306e\u4e2d\u3067Tink\u3092\u53d6\u308a\u4e0a\u3052\u307e\u3057\u305f\u304c\u3001\u79c1\u304c\u53d6\u308a\u4e0a\u3052\u305f3,400\u884c\u306e\u53cd\u5bfe\u5074\u306b\u306f\u4f55\u5343\u4eba\u3082\u306e\u958b\u767a\u8005\u304c\u3044\u308b\u3068\u3044\u3046\u4e8b\u5b9f\u306b\u3064\u3044\u3066\u306f\u8a71\u3057\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u305d\u3057\u3066\u4eca\u65e5\u3001\u540c\u793e\u306f\u6b27\u5dde\u306e18\u306e\u5e02\u5834\u3067\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u308b\u3002\u53ce\u76ca\u30e2\u30c7\u30eb\u306f\u4e3b\u306bAPI\u30b3\u30fc\u30eb\u5358\u4f4d\u3067\u3059\u304c\u3001\u4e00\u90e8\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306b\u306f\u30b5\u30d6\u30b9\u30af\u30ea\u30d7\u30b7\u30e7\u30f3\u30fb\u30d9\u30fc\u30b9\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u5f53\u793e\u306e\u76ee\u6a19\u306f\u3001\u4e16\u754c\u3067\u6700\u3082\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u304c\u9032\u3093\u3067\u3044\u308b\u30e8\u30fc\u30ed\u30c3\u30d1\u3067\u3001\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u306e\u4e2d\u5fc3\u306b\u4f4d\u7f6e\u3059\u308b\u3053\u3068\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u79c1\u305f\u3061\u306e\u88dc\u5b8c\u7684\u306a\u80fd\u529b\u304c\u3001Tink\u306e\u6a5f\u80fd\u306e\u63a1\u7528\u3092\u4fc3\u9032\u3057\u3001\u9867\u5ba2\u306b\u4ed8\u52a0\u4fa1\u5024\u3092\u63d0\u4f9b\u3059\u308b\u306e\u306b\u5f79\u7acb\u3064\u3068\u4fe1\u3058\u3066\u3044\u307e\u3059\u3002\u306f\u3063\u304d\u308a — \u306f\u3063\u304d\u308a\u3068\u306f\u8a00\u3048\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u306f\u3063\u304d\u308a\u3055\u305b\u3066\u304a\u304d\u307e\u3059\u3002\u5f53\u521d\u306f\u30e8\u30fc\u30ed\u30c3\u30d1\u306b\u7126\u70b9\u3092\u5f53\u3066\u307e\u3059\u3002<\/p>\n

\u30e8\u30fc\u30ed\u30c3\u30d1\u306fTink\u306e\u5f97\u610f\u3068\u3059\u308b\u3068\u3053\u308d\u3067\u3042\u308a\u3001\u5927\u304d\u306a\u30d7\u30ec\u30bc\u30f3\u30b9\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3057\u3001\u30d3\u30b8\u30cd\u30b9\u3092\u524d\u9032\u3055\u305b\u308b\u3068\u3044\u3046\u610f\u5473\u3067\u3001\u79c1\u305f\u3061\u306f\u305d\u3053\u306b\u4ed8\u52a0\u4fa1\u5024\u3092\u4e0e\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001Tink\u306e\u80fd\u529b\u3092\u6d3b\u7528\u3057\u3001\u305d\u306e\u80fd\u529b\u3092\u4ed6\u306e\u5e02\u5834\u306b\u3082\u62e1\u5927\u3059\u308b\u3053\u3068\u306f\u3001Tink\u3092\u898b\u3066\u8cb7\u53ce\u3092\u6c7a\u5b9a\u3057\u305f\u3068\u304d\u304b\u3089\u4e88\u60f3\u3057\u3066\u3044\u305f\u3053\u3068\u3067\u3082\u3042\u308a\u3001\u9593\u9055\u3044\u3042\u308a\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f\u6295\u8cc7\u3092\u78ba\u5b9f\u306b\u96c6\u4e2d\u3055\u305b\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u4e00\u5ea6\u306b\u305f\u304f\u3055\u3093\u306e\u5834\u6240\u306b\u30d4\u30fc\u30ca\u30c3\u30c4\u30d0\u30bf\u30fc\u3092\u5857\u308b\u3088\u3046\u306a\u3053\u3068\u306f\u3057\u305f\u304f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n

\u3067\u3059\u304b\u3089\u3001\u79c1\u305f\u3061\u53cc\u65b9\u304c\u5f37\u307f\u3092\u6301\u3064\u30e8\u30fc\u30ed\u30c3\u30d1\u3068\u3044\u3046\u5834\u6240\u3067\u3001\u4e00\u7dd2\u306b\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u5b8c\u6210\u3055\u305b\u3001\u305d\u3053\u304b\u3089\u51fa\u767a\u3059\u308b\u306e\u304c\u3088\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n

Ashwin Shirvaikar — Citi — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

Jennifer Como — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u8cac\u4efb\u8005<\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3002\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b8\u30e7\u30fc\u30c0\u30f3\u3067\u3059\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u30d0\u30f3\u30af\u30fb\u30aa\u30d6\u30fb\u30a2\u30e1\u30ea\u30ab\u306e\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30af\u30c3\u30d5\u30a1\u30fc\u30d0\u30fc\u30b0\u304b\u3089\u3067\u3059\u3002\u304a\u5f85\u305f\u305b\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30af\u30c3\u30d5\u30a1\u30fc\u30d0\u30fc\u30b0 — \u30d0\u30f3\u30af\u30aa\u30d6\u30a2\u30e1\u30ea\u30ab\u30fb\u30e1\u30ea\u30eb\u30ea\u30f3\u30c1 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u7b2c2\u56db\u534a\u671f\u306b\u3064\u3044\u3066\u306f\u3001\u7d14\u58f2\u4e0a\u9ad8\u306e\u4f38\u3073\u309210\uff05\u53f0\u5f8c\u534a\u3068\u4e88\u60f3\u3055\u308c\u3066\u3044\u305f\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u5b9f\u969b\u306f\u3044\u304b\u304c\u3067\u3057\u3087\u3046\u304b\uff1f\u3082\u3061\u308d\u3093\u3001\u305d\u308c\u306f\u6226\u4e89\u304c\u59cb\u307e\u308b\u524d\u306e\u8a71\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u6700\u7d42\u7684\u306b\u306f20\uff05\u53f0\u534a\u3070\u306b\u3068\u3069\u307e\u308a\u307e\u3057\u305f\u3002<\/p>\n

\u305d\u3053\u3067\u8cea\u554f\u306a\u306e\u3067\u3059\u304c\u3001\u3069\u306e\u53ce\u76ca\u30e9\u30a4\u30f3\u304c\u6700\u3082\u4e0a\u65b9\u4fee\u6b63\u3055\u308c\u3001\u9a5a\u304b\u308c\u305f\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u307e\u305f\u3001\u30a4\u30f3\u30d5\u30ec\u306f\u3069\u306e\u7a0b\u5ea6\u8ca2\u732e\u3057\u305f\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u307e\u305f\u3001\u30ed\u30b7\u30a2\u306e\u30b5\u30fc\u30d3\u30b9\u53ce\u5165\u3092\u524d\u5012\u3057\u3067\u8a08\u4e0a\u3057\u305f\u3088\u3046\u3067\u3059\u304c\u3001\u3053\u306e\u70b9\u306b\u3064\u3044\u3066\u3082\u304a\u805e\u304b\u305b\u304f\u3060\u3055\u3044\u3002\u30f4\u30a1\u30b5\u30f3\u30c8\u304c\u30b3\u30e1\u30f3\u30c8\u3057\u3066\u3044\u305f\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u305d\u306e\u3042\u305f\u308a\u3082\u5b9a\u91cf\u7684\u306b\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u308c\u3070\u3068\u601d\u3044\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n

\u30f4\u30a1\u30b5\u30f3\u30c8\u30fb\u30d7\u30e9\u30d6\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\uff08CFO<\/p>\n

\u5f53\u56db\u534a\u671f\u304c\u4e88\u60f3\u4ee5\u4e0a\u306b\u597d\u8abf\u3060\u3063\u305f\u4e3b\u306a\u8981\u56e0\u306f\u3001\u660e\u3089\u304b\u306b\u56fd\u969b\u7684\u306a\u53ce\u76ca\u3067\u3059\u3002\u56fd\u969b\u7684\u306a\u53ce\u76ca\u306f\u3001\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u306e\u6570\u91cf\u304c\u4e88\u60f3\u4ee5\u4e0a\u306b\u597d\u8abf\u3067\u3042\u3063\u305f\u3068\u3044\u3046\u70b9\u3060\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u30021\u6708\u672b\u304b\u30893\u6708\u306b\u304b\u3051\u3066\u3001\u524d\u5e74\u540c\u671f\u306e71\u5104\u5186\u304b\u308994\u5104\u5186\u306b\u56de\u5fa9\u3057\u3001\u975e\u5e38\u306b\u597d\u8abf\u3067\u3057\u305f\u3002<\/p>\n

\u3053\u306e\u3088\u3046\u306b\u3001\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u306f\u30a2\u30a6\u30c8\u30d1\u30d5\u30a9\u30fc\u30de\u30fc\u306e1\u3064\u3067\u3042\u308b\u3053\u3068\u306f\u9593\u9055\u3044\u3042\u308a\u307e\u305b\u3093\u3002\u30a6\u30af\u30e9\u30a4\u30ca\u6226\u4e89\u306e\u5f71\u97ff\u3067\u70ba\u66ff\u5909\u52d5\u304c\u5927\u304d\u304f\u3001\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u30fb\u30d3\u30b8\u30cd\u30b9\u304c\u70ba\u66ff\u5909\u52d5\u306e\u5f71\u97ff\u3092\u53d7\u3051\u3084\u3059\u304f\u3001\u307e\u305f\u3001\u30c8\u30ec\u30b8\u30e3\u30ea\u30fc\u53ce\u76ca\u3082\u4e88\u60f3\u4ee5\u4e0a\u306b\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u3053\u306e2\u3064\u304c\u5927\u304d\u304f\u8ca2\u732e\u3057\u305f\u308f\u3051\u3067\u3059\u3002\u307e\u305f\u3001\u30b5\u30fc\u30d3\u30b9\u30e9\u30a4\u30f3\u306b\u3064\u3044\u3066\u306f\u3001\u3054\u5b58\u77e5\u306e\u3068\u304a\u308a\u3001\u30b5\u30fc\u30d3\u30b9\u30d5\u30a3\u30fc\u306f\u30e9\u30b0\u3092\u3082\u3063\u3066\u8a8d\u8b58\u3055\u308c\u307e\u3059\u3002<\/p>\n

\u30ed\u30b7\u30a2\u306e\u5834\u5408\u3001\u4e8b\u696d\u3092\u505c\u6b62\u3057\u3066\u3044\u305f\u305f\u3081\u3001\u7b2c2\u56db\u534a\u671f\u306e\u53ce\u76ca\u306f\u4e8b\u696d\u3092\u505c\u6b62\u3057\u305f\u6642\u70b9\u307e\u3067\u8acb\u6c42\u304a\u3088\u3073\u56de\u53ce\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3057\u305f\u3002\u305d\u306e\u304a\u304b\u3052\u3067\u3001\u58f2\u4e0a\u306f1\u30dd\u30a4\u30f3\u30c8\u672a\u6e80\u3001\u3082\u3057\u304f\u306f\u534a\u5206\u5f37\u306e\u30d7\u30e9\u30b9\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u305d\u308c\u4ee5\u5916\u306f\u3059\u3079\u3066\u3001\u5168\u4f53\u3068\u3057\u3066\u597d\u8abf\u3067\u3057\u305f\u3002\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u3082\u975e\u5e38\u306b\u597d\u8abf\u3067\u3057\u305f\u3002<\/p>\n

Jason Kupferberg — Bank of America Merrill Lynch — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u305d\u308c\u306f\u7d20\u6674\u3089\u3057\u3044\u8272\u3067\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n

Jennifer Como — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u8cac\u4efb\u8005<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b8\u30e7\u30fc\u30c0\u30f3\u3067\u3059\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u30a6\u30a3\u30ea\u30a2\u30e0\u30fb\u30d6\u30ec\u30a2\u306e\u30dc\u30d6\u30fb\u30ca\u30dd\u30ea\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059<\/p>\n

\u30dc\u30d6\u30fb\u30ca\u30dd\u30ea — \u30a6\u30a3\u30ea\u30a2\u30e0\u30fb\u30d6\u30ec\u30a2 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002Visa\u306f\u3053\u308c\u307e\u3067\u3001M&A\u3084\u30d9\u30f3\u30c1\u30e3\u30fc\u6295\u8cc7\u3092\u7a4d\u6975\u7684\u306b\u884c\u3063\u3066\u304d\u307e\u3057\u305f\u3002\u30d0\u30ea\u30e5\u30a8\u30fc\u30b7\u30e7\u30f3\u304c\u4e0b\u304c\u3063\u3066\u3044\u308b\u4eca\u3001Visa\u306f\u3053\u306e2\u3064\u306e\u5206\u91ce\u3067\u3088\u308a\u7a4d\u6975\u7684\u306b\u6d3b\u52d5\u3059\u308b\u3068\u898b\u308b\u3079\u304d\u3067\u3057\u3087\u3046\u304b\u3002\u307e\u305f\u3001\u305d\u306e\u5834\u5408\u3001\u3069\u306e\u5206\u91ce\u3001\u88fd\u54c1\u3001\u5730\u57df\u3001\u5782\u76f4\u7d71\u5408\u304cVisa\u306b\u3068\u3063\u3066\u6700\u3082\u9b45\u529b\u7684\u306a\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n

\u30a2\u30eb\u30fb\u30b1\u30ea\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u3067\u306fBob\u3001\u79c1\u304c\u59cb\u3081\u307e\u3059\u3002Vasant\u306f\u597d\u304d\u306a\u8272\u3092\u8ffd\u52a0\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u79c1\u305f\u3061\u306f\u4eca\u3067\u3082\u3001\u81ea\u5206\u305f\u3061\u3067\u3067\u304d\u308b\u3053\u3068\u306f\u4f55\u3067\u3082\u81ea\u5206\u305f\u3061\u3067\u3084\u308a\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3068\u306f\u3044\u3048\u3001\u5f53\u793e\u306b\u306f\u975e\u5e38\u306b\u5f37\u529b\u3067\u6709\u80fd\u306a\u4f01\u696d\u958b\u767a\u90e8\u9580\u304c\u3042\u308a\u3001\u3042\u3089\u3086\u308b\u7a2e\u985e\u306e\u3055\u307e\u3056\u307e\u306a\u53ef\u80fd\u6027\u306b\u76ee\u3092\u5411\u3051\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u4f55\u304c\u95a2\u5fc3\u3092\u6301\u305f\u308c\u3001\u4f55\u304c\u95a2\u5fc3\u3092\u6301\u305f\u308c\u306a\u3044\u304b\u3092\u5224\u65ad\u3059\u308b\u305f\u3081\u306b\u3001\u3055\u307e\u3056\u307e\u306a\u30ea\u30b9\u30c8\u3092\u5e38\u306b\u898b\u76f4\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u81ea\u5206\u305f\u3061\u3067\u306f\u3067\u304d\u306a\u3044\u3088\u3046\u306a\u30e6\u30cb\u30fc\u30af\u306a\u30b9\u30ad\u30eb\u3092\u6301\u3064\u4eba\u6750\u3092\u3001\u3088\u308a\u65e9\u304f\u7372\u5f97\u3067\u304d\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u81ea\u5206\u305f\u3061\u3067\u80fd\u529b\u3092\u69cb\u7bc9\u3059\u308b\u3088\u308a\u3082\u306f\u308b\u304b\u306b\u65e9\u304f\u3001\u8cb7\u53ce\u3092\u691c\u8a0e\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u307e\u305f\u3001\u3042\u307e\u308a\u5177\u4f53\u7684\u306b\u306f\u66f8\u304d\u307e\u305b\u3093\u304c\u3001\u65b0\u3057\u3044\u30d5\u30ed\u30fc\u3084\u4ed8\u52a0\u4fa1\u5024\u306e\u9ad8\u3044\u30b5\u30fc\u30d3\u30b9\u306a\u3069\u3001\u79c1\u305f\u3061\u306e\u30c4\u30fc\u30eb\u30dc\u30c3\u30af\u30b9\u3092\u62e1\u5927\u3057\u7d9a\u3051\u308b\u3053\u3068\u3082\u3001\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u9b45\u529b\u7684\u306a\u5206\u91ce\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u308c\u4ee5\u4e0a\u306e\u3053\u3068\u306f\u3001\u4eca\u306e\u6642\u70b9\u3067\u306f\u7533\u3057\u4e0a\u3052\u3089\u308c\u307e\u305b\u3093\u3002\u3082\u3046\u3072\u3068\u3064\u3060\u3051\u8a00\u3048\u308b\u306e\u306f\u3001\u79c1\u305f\u3061\u306f\u7a4d\u6975\u7684\u306b\u30d9\u30f3\u30c1\u30e3\u30fc\u6295\u8cc7\u3092\u3057\u3088\u3046\u3068\u306f\u601d\u3063\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u306e\u6295\u8cc7\u306e\u591a\u304f\u306f\u3001\u5546\u696d\u7684\u306a\u5408\u610f\u306b\u57fa\u3065\u3044\u3066\u884c\u308f\u308c\u307e\u3059\u3002\u5c0f\u898f\u6a21\u306a\u4f01\u696d\u3068\u5546\u696d\u5951\u7d04\u3092\u7d50\u3076\u3068\u3001\u305d\u306e\u4f01\u696d\u304c\u6295\u8cc7\u5bb6\u3068\u3057\u3066\u767b\u9332\u3067\u304d\u308b\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306b\u5c11\u984d\u306e\u6295\u8cc7\u3067\u304a\u58a8\u4ed8\u304d\u3092\u4e0e\u3048\u3066\u307b\u3057\u3044\u3068\u983c\u3093\u3067\u304f\u308b\u3053\u3068\u304c\u3088\u304f\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f\u6295\u6a5f\u7684\u306a\u6295\u8cc7\u3084\u5358\u306a\u308b\u30d9\u30f3\u30c1\u30e3\u30fc\u6295\u8cc7\u3092\u6c42\u3081\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u305d\u306e\u5927\u534a\u306f\u3001Vasant\u304c\u4ed8\u3051\u52a0\u3048\u305f\u308a\u524a\u9664\u3057\u305f\u308a\u3067\u304d\u307e\u3059\u304c\u3001\u307b\u307c100\uff05\u3001\u6700\u521d\u306b\u5546\u696d\u5951\u7d04\u3092\u7d50\u3093\u3067\u3044\u308b\u304b\u3089\u3067\u3059\u3002\u30f4\u30a1\u30b5\u30f3\u30c8\u3001\u4f55\u304b\u8ffd\u52a0\u3057\u305f\u3044\u3053\u3068\u306f\u3042\u308a\u307e\u3059\u304b\u3002<\/p>\n

\u30f4\u30a1\u30b5\u30f3\u30c8\u30fb\u30d7\u30e9\u30d6\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\uff08CFO<\/p>\n

\u3044\u3044\u3048\u3002\u5c06\u6765\u7684\u306b\u306f\u3001\u3053\u308c\u307e\u3067\u3068\u540c\u3058\u3088\u3046\u306a\u5c55\u958b\u306b\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u3002Tink\u3084Currencycloud\u306e\u3088\u3046\u306b\u3001\u5f53\u793e\u306e\u80fd\u529b\u3092\u9ad8\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u8cb7\u53ce\u3001\u5f53\u793e\u304c\u63d0\u4f9b\u3067\u304d\u308b\u30b5\u30fc\u30d3\u30b9\u7fa4\u306e\u62e1\u5927\u3001\u3053\u308c\u306fTink\u3068Currencycloud\u306e\u4e21\u65b9\u304c\u884c\u3063\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u304c\u3001\u3053\u306e\u3088\u3046\u306a\u8cb7\u53ce\u3092\u884c\u3046\u3053\u3068\u3067\u3001\u5f53\u793e\u306e\u80fd\u529b\u3092\u9ad8\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u8cb7\u53ce\u306f\u3001\u69cb\u7bc9\u3059\u308b\u3088\u308a\u8cfc\u5165\u3057\u305f\u65b9\u304c\u65e9\u3044\u3001\u3042\u308b\u3044\u306f\u5b89\u3044\u3068\u5224\u65ad\u3057\u305f\u5834\u5408\u306b\u884c\u3044\u307e\u3059\u3002<\/p>\n

\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u3001\u30a2\u30fc\u30b9\u30dd\u30fc\u30c8\u304c\u4e16\u754c\u4e2d\u306e\u6c7a\u6e08\u4e8b\u696d\u3067\u884c\u3063\u305f\u3088\u3046\u306b\u3001\u65e2\u5b58\u306e\u30b5\u30fc\u30d3\u30b9\u306e\u7bc4\u56f2\u3092\u62e1\u5927\u3059\u308b\u3088\u3046\u306a\u8cb7\u53ce\u3082\u3042\u308a\u3048\u307e\u3059\u3002\u307e\u305f\u3001\u30d1\u30d6\u30ea\u30c3\u30af\u30fb\u30de\u30fc\u30b1\u30c3\u30c8\u3067\u8d77\u304d\u3066\u3044\u308b\u8abf\u6574\u304c\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u30fb\u30de\u30fc\u30b1\u30c3\u30c8\u306b\u3082\u6ce2\u53ca\u3059\u308c\u3070\u3001\u3088\u308a\u7a4d\u6975\u7684\u306b\u6d3b\u52d5\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u307e\u305f\u3001\u300c\u6bce\u5e74\u25cb\u25cb\u4ef6\u306e\u8cb7\u53ce\u3092\u884c\u3046\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u5177\u4f53\u7684\u306a\u76ee\u6a19\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u4f55\u304c\u7406\u306b\u304b\u306a\u3063\u3066\u3044\u308b\u304b\u3001\u3069\u3053\u3067\u4fa1\u5024\u3092\u751f\u307f\u51fa\u305b\u308b\u304b\u306b\u3088\u3063\u3066\u5224\u65ad\u3057\u3066\u3044\u304f\u3064\u3082\u308a\u3067\u3059\u3002<\/p>\n

Bob Napoli — William Blair — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

Jennifer Como — \u30b7\u30cb\u30a2\u30d0\u30a4\u30b9\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u8cac\u4efb\u8005<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b8\u30e7\u30fc\u30c0\u30f3\u3067\u3059\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u30af\u30ec\u30c7\u30a3\u30fb\u30b9\u30a4\u30b9\u306e\u30c6\u30a3\u30e2\u30b7\u30fc\u30fb\u30ad\u30aa\u30c9\u304b\u3089\u3067\u3059\u3002\u304a\u5f85\u305f\u305b\u3057\u307e\u3057\u305f\u3002<\/p>\n

Timothy Chiodo — Credit Suisse — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3002\u8cea\u554f\u3092\u304a\u53d7\u3051\u3044\u305f\u3060\u304d\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002Visa Direct\u306b\u3064\u3044\u3066\u89e6\u308c\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002Visa Direct\u306f\u3001\u5fa1\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u4e2d\u3067\u304b\u306a\u308a\u5927\u304d\u306a\u5272\u5408\u3092\u5360\u3081\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u3067\u3082\u6025\u6210\u9577\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u4eca\u671f\u306e\u6210\u9577\u7387\u3068\u30ed\u30b7\u30a2\u306e\u5f71\u97ff\u306b\u3064\u3044\u3066\u5c11\u3057\u304a\u8a71\u3044\u305f\u3060\u304d\u307e\u3057\u305f\u304c\u3001Visa Direct\u306f2\u756a\u76ee\u306e\u6210\u9577\u7387\u3067\u3042\u308b\u3068\u304a\u3063\u3057\u3083\u3044\u307e\u3057\u305f\u306d\u3002\u307e\u305f\u3001\u5730\u7406\u7684\u306b2\u756a\u76ee\u306b\u5927\u304d\u306a\u5e02\u5834\u3067\u3042\u308b\u3068\u3082\u304a\u3063\u3057\u3083\u3063\u3066\u3044\u307e\u3057\u305f\u3002\u3053\u306e\u5730\u57df\u5225\u69cb\u6210\u306b\u3064\u3044\u3066\u3001\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u307e\u305f\u3001\u305d\u306e\u4ed6\u306e\u5927\u304d\u306a\u5e02\u5834\u3001\u3055\u3089\u306b\u91cd\u8981\u306a\u5e02\u5834\u3001\u5927\u304d\u306a\u30d3\u30b8\u30cd\u30b9\u30c1\u30e3\u30f3\u30b9\u304c\u3042\u308b\u5e02\u5834\u3092\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u307e\u305f\u3001Visa\u306e\u30af\u30ec\u30c7\u30f3\u30b7\u30e3\u30eb\u306b\u9001\u4fe1\u3059\u308b\u6a5f\u80fd\u3060\u3051\u3067\u306a\u304f\u3001Mastercard\u306e\u30af\u30ec\u30c7\u30f3\u30b7\u30e3\u30eb\u306b\u9001\u4fe1\u3059\u308b\u5834\u5408\u306e\u4ed5\u7d44\u307f\u3084\u6a5f\u80fd\u306b\u3064\u3044\u3066\u3082\u7c21\u5358\u306b\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u30a2\u30eb\u30fb\u30b1\u30ea\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u7af6\u4e89\u4e0a\u306e\u7406\u7531\u304b\u3089\u3001\u3053\u306e\u4ef6\u306b\u95a2\u3057\u3066\u3042\u307e\u308a\u6df1\u304f\u7acb\u3061\u5165\u308b\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u660e\u3089\u304b\u306b\u3001\u79c1\u305f\u3061\u306e\u6700\u5927\u306e\u5e02\u5834\u306f\u7c73\u56fd\u3067\u3059\u3002\u30ed\u30b7\u30a2\u306f2\u756a\u76ee\u306b\u5927\u304d\u306a\u5e02\u5834\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u4e16\u754c\u5404\u5730\u306b\u3001\u898f\u6a21\u304c\u3042\u308b\u7a0b\u5ea6\u307e\u3068\u307e\u3063\u305f\u5e02\u5834\u304c6\uff5e10\u30ab\u6240\u307b\u3069\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u73fe\u6bb5\u968e\u3067\u306e\u79c1\u305f\u3061\u306e\u7126\u70b9\u306f\u3001A.\u73fe\u5728\u3042\u308b\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3092\u3055\u3089\u306b\u6d78\u900f\u3055\u305b\u308b\u3053\u3068\u3067\u3059\u3002\u6b21\u306b\u3001\u65b0\u3057\u3044\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3092\u958b\u767a\u3059\u308b\u3053\u3068\u3001\u305d\u3057\u30663\u3064\u76ee\u306f\u3001\u3059\u3079\u3066\u306e\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u306e\u5730\u7406\u7684\u306a\u666e\u53ca\u3092\u56f3\u308b\u3053\u3068\u3067\u3059\u3002\u305d\u3057\u3066\u3001Visa Direct\u306b\u5b8c\u5168\u306b\u7279\u5316\u3057\u305f\u30c1\u30fc\u30e0\u3092\u7acb\u3061\u4e0a\u3052\u307e\u3057\u305f\u3002\u4e16\u754c\u4e2d\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u30fb\u30a8\u30b0\u30bc\u30af\u30c6\u30a3\u30d6\u3092\u6700\u524d\u7dda\u306e\u8ca9\u58f2\u4ee3\u7406\u5e97\u3068\u3057\u3066\u6d3b\u7528\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u305d\u3057\u3066\u3001\u305d\u3053\u304b\u3089Visa Direct\u306b\u8a73\u3057\u3044\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u30a8\u30ad\u30b9\u30d1\u30fc\u30c8\u3092\u62db\u304d\u5165\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f……\u57fa\u672c\u7684\u306b\u3001\u652f\u6255\u3044\u3068\u9001\u91d1\u306b\u3064\u3044\u3066\u304a\u8a71\u3057\u307e\u3057\u305f\u3002\u30ae\u30b0\u30a8\u30b3\u30ce\u30df\u30fc\uff08Gig Economy\uff09\u306e\u52b4\u50cd\u8005\u3078\u306e\u652f\u6255\u3044\u306b\u3064\u3044\u3066\u3082\u5f15\u304d\u7d9a\u304d\u691c\u8a0e\u3057\u3066\u304a\u308a\u3001\u3053\u308c\u306f\u4e16\u754c\u4e2d\u3067\u5927\u304d\u304f\u6210\u9577\u3057\u3066\u3044\u308b\u30bb\u30b0\u30e1\u30f3\u30c8\u3067\u3059\u3002\u307e\u305f\u3001P2P\u3067\u304a\u8a71\u3057\u3057\u305f\u4ee5\u4e0a\u306e\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u8cc7\u91d1\u79fb\u52d5\u306e\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3092\u691c\u8a0e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u5c0f\u5207\u624b\u306e\u4ee3\u308f\u308a\u306bACH\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u51fa\u7d0d\u3092\u30c7\u30b8\u30bf\u30eb\u5316\u3059\u308b\u3053\u3068\u3082\u691c\u8a0e\u3057\u3066\u3044\u307e\u3059\u3002\u73fe\u5b9f\u306b\u306f\u3001\u3069\u3053\u306b\u3067\u3082\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\u306f\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3057\u3001\u7279\u306b\u30ed\u30b7\u30a2\u304b\u3089\u306e\u53d6\u5f15\u91cf\u3092\u7f6e\u304d\u63db\u3048\u308b\u3053\u3068\u3092\u8003\u3048\u308b\u3068\u3001\u3069\u3053\u306b\u6295\u8cc7\u3059\u308b\u304b\u3001\u6295\u8cc7\u5148\u3092\u898b\u3064\u3051\u308b\u304b\u3001\u3068\u3044\u3046\u3053\u3068\u304c\u4e00\u3064\u306e\u8ab2\u984c\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u6295\u8cc7\u5148\u306f\u3044\u304f\u3089\u3067\u3082\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u3053\u308c\u306f\u7d20\u6674\u3089\u3057\u3044\u3053\u3068\u3067\u3059\u3002\u305f\u3060\u3001\u4eca\u5f8c\u3001\u3055\u307e\u3056\u307e\u306a\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3092\u691c\u8a0e\u3059\u308b\u4e2d\u3067\u3001\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306e\u6210\u9577\u3092\u4fc3\u9032\u3059\u308b\u6700\u3082\u30db\u30c3\u30c8\u306a\u6a5f\u4f1a\u304c\u3069\u3053\u306b\u3042\u308b\u304b\u3092\u6b63\u78ba\u306b\u628a\u63e1\u3059\u308b\u305f\u3081\u306b\u3001\u3044\u304f\u3064\u304b\u306e\u4f5c\u696d\u3092\u884c\u3046\u5fc5\u8981\u304c\u3042\u308a\u305d\u3046\u3067\u3059\u3002<\/p>\n

Timothy Chiodo — Credit Suisse — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002Mastercard\u306e\u30af\u30ec\u30c7\u30f3\u30b7\u30e3\u30eb\u306b\u9001\u4fe1\u3059\u308b\u969b\u306e\u4ed5\u7d44\u307f\u3084\u7d4c\u6e08\u6027\u306e\u9055\u3044\u306b\u3064\u3044\u3066\u3001\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f<\/p>\n

Vasant Prabhu — \u4f1a\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\uff08CFO<\/p>\n

\u3053\u308c\u306f\u79c1\u305f\u3061\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30fb\u30aa\u30d6\u30fb\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30fb\u30a2\u30d7\u30ed\u30fc\u30c1\u306e\u4e00\u90e8\u3067\u3059\u3002YellowPepper\u3084Earthport\u306e\u3088\u3046\u306a\u8cb7\u53ce\u306f\u3001\u9280\u884c\u53e3\u5ea7\u3092\u542b\u3080\u3042\u3089\u3086\u308b\u30af\u30ec\u30c7\u30f3\u30b7\u30e3\u30eb\u3078\u306e\u9001\u4fe1\u3092\u53ef\u80fd\u306b\u3059\u308b\u6a5f\u80fd\u3067\u3001\u304a\u5ba2\u69d8\u306e\u304a\u91d1\u3092\u305d\u3053\u306b\u904b\u3073\u3001\u4e00\u90e8\u306f\u79c1\u305f\u3061\u306e\u3082\u306e\u3067\u306f\u306a\u3044\u30ec\u30fc\u30eb\u306b\u4e57\u305b\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

Timothy Chiodo — Credit Suisse — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3002\u308f\u304b\u308a\u307e\u3057\u305f\u3002Visa Direct\u306b\u3064\u3044\u3066\u3001\u3044\u308d\u3044\u308d\u3068\u6559\u3048\u3066\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

Jennifer Como — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u8cac\u4efb\u8005<\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3002\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b8\u30e7\u30fc\u30c0\u30f3\u3067\u3059\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6b21\u306e\u8cea\u554f\u306f\u30e2\u30eb\u30ac\u30f3\u30fb\u30b9\u30bf\u30f3\u30ec\u30fc\u306e\u30b8\u30a7\u30fc\u30e0\u30b9\u30fb\u30d5\u30a9\u30fc\u30bb\u30c3\u30c8\u304b\u3089\u3067\u3059\u3002\u56de\u7dda\u306f\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

James Faucette — Morgan Stanley — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u8a73\u7d30\u3068\u8272\u5f69\u306b\u611f\u8b1d\u3057\u307e\u3059\u3002\u6295\u8cc7\u5bb6\u306e\u7686\u3055\u3093\u304b\u3089\u3001\u30a4\u30f3\u30d5\u30ec\u306e\u5f71\u97ff\u306b\u3064\u3044\u3066\u3044\u304f\u3064\u304b\u8cea\u554f\u3092\u53d7\u3051\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001Visa\u306b\u3069\u306e\u3088\u3046\u306a\u5229\u76ca\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u308b\u306e\u304b\u3001\u5b9a\u91cf\u7684\u306b\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f\u307e\u305f\u3001\u3082\u3063\u3068\u91cd\u8981\u306a\u3053\u3068\u3067\u3059\u304c\u3001\u6d88\u8cbb\u8005\u306e\u6d88\u8cbb\u884c\u52d5\u3084\u3001\u88c1\u91cf\u7684\u652f\u51fa\u3068\u975e\u88c1\u91cf\u7684\u652f\u51fa\u306e\u7d44\u307f\u5408\u308f\u305b\u306b\u5909\u5316\u304c\u898b\u3089\u308c\u308b\u304b\u3069\u3046\u304b\u306b\u3064\u3044\u3066\u3082\u304a\u805e\u304b\u305b\u3044\u305f\u3060\u3051\u307e\u3059\u304b\u3002<\/p>\n

\u307e\u305f\u3001\u305d\u308c\u304c\u4eca\u5f8c\u306e\u898b\u901a\u3057\u3092\u7acb\u3066\u308b\u4e0a\u3067\u4f55\u3089\u304b\u306e\u5f71\u97ff\u3092\u53ca\u307c\u3057\u3066\u3044\u308b\u306e\u3067\u3042\u308c\u3070\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n

\u30a2\u30eb\u30fb\u30b1\u30ea\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u30a4\u30f3\u30d5\u30ec\u306f\u79c1\u305f\u3061\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u3044\u304f\u3064\u304b\u306e\u5f71\u97ff\u3092\u53ca\u307c\u3057\u307e\u3059\u3002\u30b5\u30fc\u30d3\u30b9\u6599\u3068\u56fd\u969b\u624b\u6570\u6599\u306f\u3001\u53d6\u5f15\u91cf\u306b\u5fdc\u3058\u305f\u30d9\u30fc\u30b7\u30b9\u30fb\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u30a4\u30f3\u30d5\u30ec\u306f\u901a\u5e38\u3001\u53d6\u5f15\u984d\u3092\u5897\u52a0\u3055\u305b\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3082\u53d6\u5f15\u91cf\u306b\u9023\u52d5\u3057\u3066\u3044\u308b\u306e\u3067\u3001\u76f8\u6bba\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u71c3\u6599\u4fa1\u683c\u306f\u4e0a\u6607\u3057\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u4e00\u65b9\u3067\u3001\u6d88\u8cbb\u8005\u306f\u30ac\u30bd\u30ea\u30f3\u4fa1\u683c\u304c\u5927\u5e45\u306b\u4e0a\u6607\u3057\u305f\u3068\u304d\u306b\u306f\u8cfc\u5165\u3092\u63a7\u3048\u308b\u50be\u5411\u306b\u3042\u308a\u307e\u3059\u3002\u4eee\u306b\u30c9\u30eb\u5b89\u304c\u9032\u884c\u3057\u305f\u5834\u5408\u3001\u30a4\u30f3\u30d0\u30a6\u30f3\u30c9\u306e\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u306e\u30d5\u30ed\u30fc\u304c\u5897\u52a0\u3057\u3001\u7c73\u56fd\u306e\u30a4\u30f3\u30d0\u30a6\u30f3\u30c9\u30b3\u30ea\u30c9\u30fc\u306f\u5f53\u793e\u306e\u6700\u5927\u304b\u3064\u9ad8\u5229\u56de\u308a\u306e\u30b3\u30ea\u30c9\u30fc\u306e1\u3064\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u4eba\u4ef6\u8cbb\u3084\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u3001\u5c02\u9580\u5bb6\u3078\u306e\u5831\u916c\u306a\u3069\u306e\u7d4c\u8cbb\u306f\u5897\u3048\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u79c1\u306f2\u3064\u306e\u3053\u3068\u3092\u7533\u3057\u4e0a\u3052\u3001\u3042\u3068\u306fVasant\u306b\u4f55\u3067\u3082\u4ed8\u3051\u52a0\u3048\u3066\u3082\u3089\u3046\u3053\u3068\u306b\u3057\u307e\u3059\u3002<\/p>\n

\u4eca\u306e\u3068\u3053\u308d\u3001\u79c1\u304c\u7533\u3057\u4e0a\u3052\u305f\u3088\u3046\u306b\u3001\u307e\u305fVasant\u304c\u767a\u8a00\u3057\u305f\u3068\u601d\u3046\u306e\u3067\u3059\u304c\u3001\u79c1\u305f\u3061\u306e\u6570\u5b57\u306b\u61f8\u5ff5\u3092\u62b1\u304b\u305b\u308b\u3088\u3046\u306a\u5f71\u97ff\u306f\u3042\u307e\u308a\u898b\u3089\u308c\u307e\u305b\u3093\u3002\u305d\u308c\u304b\u3089\u6700\u5f8c\u306b\u3001\u7d14\u984d\u3067\u8a00\u3046\u3068\u3001\u6b74\u53f2\u7684\u306b\u898b\u308b\u3068\u30a4\u30f3\u30d5\u30ec\u306f\u5f53\u793e\u306b\u3068\u3063\u3066\u30d7\u30e9\u30b9\u3067\u3059\u3002<\/p>\n

Vasant Prabhu — \u4f1a\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

\u305d\u3046\u3067\u3059\u306d\u3002Al\u304c\u8a00\u3063\u305f\u3053\u3068\u306b\u4ed8\u3051\u52a0\u3048\u308b\u3068\u3001\u79c1\u305f\u3061\u306f\u660e\u3089\u304b\u306b\u3001\u30a2\u30e1\u30ea\u30ab\u3001\u7279\u306b\u30e8\u30fc\u30ed\u30c3\u30d1\u3067\u30c1\u30b1\u30c3\u30c8\u306e\u30b5\u30a4\u30ba\u304c\u4e0a\u304c\u3063\u3066\u3044\u308b\u306e\u3092\u76ee\u306e\u5f53\u305f\u308a\u306b\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u306f\u3059\u3079\u3066\u30a4\u30f3\u30d5\u30ec\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u3053\u308c\u306f\u3059\u3079\u3066\u30a4\u30f3\u30d5\u30ec\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u30df\u30c3\u30af\u30b9\u306b\u3088\u308b\u3082\u306e\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u30ab\u30fc\u30c9\u306b\u3088\u308b\u6c7a\u6e08\u304c\u307e\u3060\u5b8c\u5168\u306b\u623b\u3063\u3066\u3044\u306a\u3044\u3053\u3068\u304c\u8981\u56e0\u3067\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u96fb\u5b50\u5546\u53d6\u5f15\u3067\u306f\u3001\u65e5\u5e38\u7684\u306a\u8cb7\u3044\u7269\u3067\u3042\u3063\u3066\u3082\u30c1\u30b1\u30c3\u30c8\u306e\u30b5\u30a4\u30ba\u304c\u5927\u304d\u304f\u306a\u308b\u3053\u3068\u304c\u3042\u308b\u305f\u3081\u3001\u30df\u30c3\u30af\u30b9\u3068\u306a\u308a\u307e\u3059\u3002\u30a4\u30f3\u30d5\u30ec\u306e\u6642\u4ee3\u306b\u306f\u3001\u30ab\u30fc\u30c9\u6c7a\u6e08\u306e\u5fa9\u6d3b\u306b\u4f34\u3044\u3001\u30c1\u30b1\u30c3\u30c8\u306e\u30b5\u30a4\u30ba\u304c\u5c0f\u3055\u304f\u306a\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u30a2\u30eb\u304c\u8a00\u3063\u305f\u3088\u3046\u306b\u3001\u30a4\u30f3\u30d5\u30ec\u306b\u3088\u308b\u5f71\u97ff\u306f\u591a\u5c90\u306b\u308f\u305f\u308a\u307e\u3059\u3002\u6b63\u5473\u306e\u3068\u3053\u308d\u3001\u3053\u308c\u306f\u5f53\u793e\u306b\u3068\u3063\u3066\u30d7\u30e9\u30b9\u306b\u50cd\u304d\u307e\u3059\u3002<\/p>\n

\u88c1\u91cf\u7684\u306a\u652f\u51fa\u306b\u306f\u3001\u79c1\u305f\u3061\u306e\u77e5\u308b\u9650\u308a\u3067\u306f\u4f55\u306e\u5f71\u97ff\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u3080\u3057\u308d\u3001\u7279\u306b\u5bcc\u88d5\u5c64\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u4fdd\u6709\u8005\u306e\u88c1\u91cf\u7684\u652f\u51fa\u306f\u975e\u5e38\u306b\u5065\u5168\u306b\u5897\u52a0\u3057\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u4e00\u822c\u7684\u306b\u306f\u3001\u30a4\u30f3\u30d5\u30ec\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u3066\u3044\u308b\u3068\u3044\u3046\u8a3c\u62e0\u306f–\u660e\u3089\u304b\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u3066\u3044\u308b\u3068\u3044\u3046\u8a3c\u62e0\u306f–\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u660e\u3089\u304b\u306b\u3001\u79c1\u305f\u3061\u306f\u305d\u308c\u3092\u63a2\u3057\u7d9a\u3051\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u30a2\u30eb\u30fb\u30b1\u30ea\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u30b8\u30a7\u30fc\u30e0\u30b9\u30011\u3064\u3060\u3051\u7c21\u5358\u306a\u30c7\u30fc\u30bf\u3092\u304a\u8a71\u3057\u3057\u307e\u3057\u3087\u3046\u3002\u6700\u8fd1\u3001\u30ec\u30b9\u30c8\u30e9\u30f3\u306e\u652f\u51fa\u3092\u3055\u307e\u3056\u307e\u306a\u5c64\u3067\u8abf\u3079\u305f\u3068\u3053\u308d\u3001\u6210\u9577\u7387\u304c\u6700\u3082\u9ad8\u304b\u3063\u305f\u306e\u306f100\u30c9\u30eb\u304b\u3089300\u30c9\u30eb\u306e\u5c64\u3067\u30012\u756a\u76ee\u306b\u9ad8\u304b\u3063\u305f\u306e\u306f300\u30c9\u30eb\u4ee5\u4e0a\u306e\u5c64\u3067\u3057\u305f\u3002\u3053\u308c\u306f\u3001\u3054\u304f\u6700\u8fd1\u306e\u30c7\u30fc\u30bf\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u5bcc\u88d5\u5c64\u304c\u5e02\u5834\u306b\u623b\u3063\u3066\u304d\u3066\u304a\u308a\u3001\u91cd\u8981\u306a\u6d88\u8cbb\u30ab\u30c6\u30b4\u30ea\u30fc\u3067\u3042\u308b\u6d88\u8cbb\u3092\u6050\u308c\u3066\u3044\u306a\u3044\u3053\u3068\u3092\u793a\u3059\u3001\u3054\u304f\u6700\u8fd1\u306e\u30c7\u30fc\u30bf\u3067\u3059\u3002<\/p>\n

James Faucette — Morgan Stanley — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u305d\u308c\u306f\u7d20\u6674\u3089\u3057\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3001\u30a2\u30eb\u3002\u30f4\u30a1\u30b5\u30f3\u30c8\u3001\u3042\u308a\u304c\u3068\u3046\u3002<\/p>\n

Jennifer Como — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u90e8\u9580\u8cac\u4efb\u8005<\/p>\n

\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u3053\u308c\u304c\u6700\u5f8c\u306e\u8cea\u554f\u306b\u306a\u308a\u307e\u3059\u3001\u30b8\u30e7\u30fc\u30c0\u30f3\u3002<\/p>\n

\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n

\u6700\u5f8c\u306e\u8cea\u554f\u306f\u3001\u30b5\u30b9\u30b1\u30cf\u30ca\u306e\u30b8\u30a7\u30a4\u30df\u30fc\u30fb\u30d5\u30ea\u30fc\u30c9\u30de\u30f3\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30a4\u30df\u30fc\u30fb\u30d5\u30ea\u30fc\u30c9\u30de\u30f3 — \u30b5\u30b9\u30b1\u30cf\u30ca\u30fb\u30a4\u30f3\u30bf\u30fc\u30ca\u30b7\u30e7\u30ca\u30eb\u30fb\u30b0\u30eb\u30fc\u30d7 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u304a\u5fcd\u3073\u3067\u6765\u3066\u3044\u305f\u3060\u3044\u3066\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u30f4\u30a1\u30b5\u30f3\u30c8\u3055\u3093\u3001\u8a18\u61b6\u9055\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u79c1\u306e\u8a18\u61b6\u3067\u306f\u30019\u6708\u307e\u3067\u306b\u65c5\u884c\u6307\u6570\u309290%\u306b\u623b\u3059\u3053\u3068\u3092\u304a\u8003\u3048\u3060\u3063\u305f\u3088\u3046\u306a\u6c17\u304c\u3057\u307e\u3059\u3002\u3082\u3057\u9593\u9055\u3063\u3066\u3044\u305f\u3089\u3059\u307f\u307e\u305b\u3093\u3002<\/p>\n

\u3042\u306a\u305f\u306f……\u6700\u65b0\u306e\u524d\u63d0\u3067\u3001\u3061\u3087\u3063\u3068\u6025\u3044\u3067\u3044\u305f\u3088\u3046\u3067\u3059\u306d\u3002\u4eca\u3001\u5e74\u5ea6\u672b\u306e\u65c5\u884c\u306b\u3064\u3044\u3066\u3069\u306e\u3088\u3046\u306a\u3053\u3068\u3092\u60f3\u5b9a\u3057\u3066\u3044\u308b\u304b\u3001\u3082\u3046\u4e00\u5ea6\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002 \u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u30f4\u30a1\u30b5\u30f3\u30c8\u30fb\u30d7\u30e9\u30d6\u30fc — \u4f1a\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\uff08CFO<\/p>\n

\u305d\u3046\u3067\u3059\u306d\u3002\u7b2c2\u56db\u534a\u671f\u3092\u7d42\u3048\u305f\u6642\u70b9\u3067\u306f\u3001\u5e74\u5ea6\u672b\u306b\u306f2019\u5e74\u306e\u30ec\u30d9\u30eb\u304b\u305d\u308c\u4ee5\u4e0a\u306b\u306a\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u5168\u304f\u305d\u306e\u901a\u308a\u3067\u3001\u524d\u56de\u304a\u8a71\u3057\u305f\u3068\u304d\u306f\u3001\u304a\u305d\u3089\u304f90\uff05\u304f\u3089\u3044\u306b\u306a\u308b\u3060\u308d\u3046\u3068\u7533\u3057\u4e0a\u3052\u307e\u3057\u305f\u3002\u4eca\u306e\u3068\u3053\u308d\u4e88\u60f3\u4ee5\u4e0a\u306b\u9806\u8abf\u306b\u63a8\u79fb\u3057\u3066\u3044\u307e\u3059\u306e\u3067\u3001\u305d\u306e\u898b\u7acb\u3066\u306f\u9593\u9055\u3044\u306a\u304f\u4e0a\u304c\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u6b27\u5dde\u5185\u3092\u542b\u3081\u308b\u3068\u3001\u5e74\u5ea6\u672b\u306b\u306f2019\u5e74\u306e\u6c34\u6e96\u306b\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u3046\u3067\u3059\u306d\u3001\u305d\u306e\u901a\u308a\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

Jamie Friedman — Susquehanna International Group — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u30b7\u30cb\u30a2\u30fb\u30f4\u30a1\u30a4\u30b9\u30fb\u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u8cac\u4efb\u8005<\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3002\u672c\u65e5\u306f\u304a\u96c6\u307e\u308a\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u3054\u8cea\u554f\u306e\u3042\u308b\u65b9\u306f\u3001\u96fb\u8a71\u307e\u305f\u306fE\u30e1\u30fc\u30eb\u3067\u304a\u554f\u3044\u5408\u308f\u305b\u304f\u3060\u3055\u3044\u3002\u672c\u65e5\u306f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

 <\/p>\n

\u4ee5\u4e0a\u3067\u3059\u3002\u4ed6\u306e\u7ffb\u8a33\u5e0c\u671b\u304c\u3042\u308c\u3070\u3054\u9023\u7d61\u3044\u305f\u3060\u3051\u308c\u3070\u691c\u8a0e\u3044\u305f\u3057\u307e\u3059\u3002<\/p>\n

\uff0a\u8aa4\u8a33\u306a\u3069\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3067\u306e\u53c2\u8003\u7a0b\u5ea6\u306b\u3057\u3066\u3044\u305f\u3060\u304d\u6295\u8cc7\u306f\u81ea\u5df1\u5224\u65ad\u3067\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n

\u30d6\u30ed\u30b0\u904b\u55b6\u306e\u52b1\u307f\u306b\u306a\u308a\u307e\u3059\u306e\u3067\u3001\u304a\u624b\u6570\u3067\u3059\u304c\u3001\u5fdc\u63f4\u306e\uff11\u65e5\uff11\u30af\u30ea\u30c3\u30af\u3092\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u81f4\u3057\u307e\u3059\u3002<\/p>\n

\u2193\u2193\uff1c\u5fdc\u63f4\u30af\u30ea\u30c3\u30af\u304a\u9858\u3044\u3057\u307e\u3059\uff1e<\/p>\n

\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a>
\n\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n

\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a>
\n\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n

\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a>
\n\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n

\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a>
\n\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

\u30d3\u30b6 (NYSE:V)2022\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002 \u597d\u6c7a\u7b97\u3067\u30d7\u30ec\u3067\u3082\u682a\u4fa1\u306f\u4e0a\u304c\u3063\u3066\u307e\u3059\u3002 \u56fd\u969b\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u3082\u4e0a\u304c\u3063\u3066\u304a\u308a\u3001\u7b2c2\u56db\u534a\u671f\u306b\u306f\u7c73\u56fd\u3084\u82f1\u56fd\u3092\u542b\u3080\u3044\u304f\u3064\u304b\u306e\u5e02\u5834\u3067\u5bcc\u88d5\u5c64\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u652f\u51fa\u304c … <\/p>\n","protected":false},"author":1,"featured_media":1074,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72],"tags":[517,247,76,248,246,344,105,83],"class_list":{"0":"post-1408","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-72","8":"tag-v","9":"tag-visa","10":"tag-76","11":"tag-248","12":"tag-246","13":"tag-344","14":"tag-105","15":"tag-83"},"yoast_head":"\n\u3010\u7ffb\u8a33\u3011\u30d3\u30b6 (NYSE:V)2022\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a – \u682a\u5f0f\u6295\u8cc7\u30921up\u3059\u308b\u30d6\u30ed\u30b0<\/title>\n<meta name=\"description\" content=\"\u30d3\u30b6 (NYSE:V)2022\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002\u597d\u6c7a\u7b97\u3067\u30d7\u30ec\u3067\u3082\u682a\u4fa1\u306f\u4e0a\u304c\u3063\u3066\u307e\u3059\u3002\u56fd\u969b\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u3082\u4e0a\u304c\u3063\u3066\u304a\u308a\u3001\u7b2c2\u56db\u534a\u671f\u306b\u306f\u7c73\u56fd\u3084\u82f1\u56fd\u3092\u542b\u3080\u3044\u304f\u3064\u304b\u306e\u5e02\u5834\u3067\u5bcc\u88d5\u5c64\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u652f\u51fa\u304c2019\u5e74\u306e\u6c34\u6e96\u3092\u5927\u304d\u304f\u4e0a\u56de\u3063\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/1up-life.blog\/?p=1408\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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