{"id":2154,"date":"2022-11-08T06:38:47","date_gmt":"2022-11-07T21:38:47","guid":{"rendered":"https:\/\/1up-life.blog\/?p=2154"},"modified":"2022-11-08T06:38:47","modified_gmt":"2022-11-07T21:38:47","slug":"%e3%83%9a%e3%82%a4%e3%83%91%e3%83%ab%e3%83%9b%e3%83%bc%e3%83%ab%e3%83%87%e3%82%a3%e3%83%b3%e3%82%b0%e3%82%b9-pypl2022%e5%b9%b4%e7%ac%ac3%e5%9b%9b%e5%8d%8a%e6%9c%9f%e6%b1%ba%e7%ae%97%e8%aa%ac","status":"publish","type":"post","link":"https:\/\/1up-life.blog\/?p=2154","title":{"rendered":"\u30da\u30a4\u30d1\u30eb\u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9 (PYPL)2022\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a"},"content":{"rendered":"

\u30da\u30a4\u30d1\u30eb\u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9 (PYPL)2022\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002<\/p>\n

\u6c7a\u7b97\u81ea\u4f53\u306f\u60aa\u304f\u7121\u3044\u3068\u601d\u3063\u305f\u306e\u3067\u3059\u304c\u682a\u4fa1\u306f\u4e0b\u304c\u3063\u3066\u307e\u3059\u306d\u3002\u30b3\u30ed\u30ca\u30b7\u30e7\u30c3\u30af\u6642\u3088\u308a\u3082\u682a\u4fa1\u306f\u5b89\u304f\u306a\u3063\u3066\u3044\u308b\u306e\u306b\u4f01\u696d\u306f\u6210\u9577\u3057\u3066\u3044\u308b\u306e\u3067\u6b32\u3057\u304f\u306a\u308a\u307e\u3059\u306d\u3002<\/p>\n

\"\u30da\u30a4\u30d1\u30eb\u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9

\u30da\u30a4\u30d1\u30eb\u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9 (PYPL)\u682a\u4fa1<\/p><\/div>\n

\u524d\u56de\u306e2022\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306f\u3053\u3061\u3089<\/a>\u3067\u3059\u3002<\/p>\n

\u30da\u30a4\u30d1\u30eb\u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9 (PYPL)2022\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a<\/strong><\/span><\/p>\n

Call participants:
\nGabs Rabinovitch — Senior Vice President and Acting Chief Financial Officer
\nDan Schulman — President and Chief Executive Officer
\nJames Faucette — Morgan Stanley — Analyst
\nJason Kupferberg — Bank of America Merrill Lynch — Analyst
\nColin Sebastian — Baird — Analyst
\nDarrin Peller — Wolfe Research — Analyst
\nLisa Ellis — MoffettNathanson — Analyst
\nTien-Tsin Huang — J.P. Morgan — Analyst
\nDavid Togut — Evercore ISI — Analyst
\nMore PYPL analysis<\/p>\n

2022\u5e7411\u670803\u65e5\u5348\u5f8c5\u664230\u5206<\/p>\n

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

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\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n

\u30ac\u30d6\u30ea\u30a8\u30eb\u30fb\u30e9\u30d3\u30ce\u30d3\u30c3\u30c1 — \u4e0a\u5e2d\u526f\u793e\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\u4ee3\u7406<\/p>\n

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\u30c0\u30f3\u30fb\u30b7\u30e5\u30eb\u30de\u30f3 — \u793e\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

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Apple\u306eTap-to-pay on iPhone\u6a5f\u80fd\u3092\u6d3b\u7528\u3057\u3001\u7c73\u56fd\u306e\u52a0\u76df\u5e97\u306e\u304a\u5ba2\u69d8\u306f\u307e\u3082\u306a\u304fiPhone\u3068PayPal\u307e\u305f\u306fVenmo iOS\u30a2\u30d7\u30ea\u3092\u4f7f\u7528\u3057\u3066\u3001Apple Pay\u3092\u542b\u3080\u975e\u63a5\u89e6\u578b\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3001\u30e2\u30d0\u30a4\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u3092\u53d7\u3051\u5165\u308c\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308b\u4e88\u5b9a\u3067\u3059\u3002 \u3053\u308c\u306b\u3088\u308a\u3001PayPal\u306e\u52a0\u76df\u5e97\u30d9\u30fc\u30b9\u3067\u306f\u3001\u30c9\u30f3\u30b0\u30eb\u306a\u3069\u306e\u6c7a\u6e08\u7aef\u672b\u3092\u5fc5\u8981\u3068\u305b\u305a\u3001iPhone\u3092\u30e2\u30d0\u30a4\u30ebPOS\u3068\u3057\u3066\u7c21\u5358\u306b\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u5f53\u793e\u306e\u4ed6\u306e\u5e97\u8217\u3067\u306e\u53d6\u308a\u7d44\u307f\u3068\u5408\u308f\u305b\u3066\u3001\u52a0\u76df\u5e97\u306b\u3068\u3063\u3066\u7269\u7406\u7684\u306a\u4e16\u754c\u3067\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u652f\u6255\u3044\u3092\u51e6\u7406\u3059\u308b\u6a5f\u4f1a\u3092\u52a0\u901f\u3055\u305b\u7d9a\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001PayPal\u30b3\u30de\u30fc\u30b9\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u542b\u3080\u3001\u5f53\u793e\u306e\u52a0\u76df\u5e97\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u304a\u3051\u308b\u30ce\u30fc\u30d6\u30e9\u30f3\u30c9\u306e\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u30d5\u30ed\u30fc\u306e\u6c7a\u6e08\u30aa\u30d7\u30b7\u30e7\u30f3\u3068\u3057\u3066\u3001Apple Pay\u3092\u8ffd\u52a0\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

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\u5f53\u793e\u306f\u3001\u6a5f\u68b0\u5b66\u7fd2\u306b\u95a2\u3059\u308b\u5f53\u793e\u306e\u6d1e\u5bdf\u3092\u6d3b\u7528\u3057\u3001\u8907\u6570\u306ePSP\u9593\u306e\u30c8\u30e9\u30d5\u30a3\u30c3\u30af\u3092\u307e\u3068\u3081\u3001\u627f\u8a8d\u7387\u3068\u7d99\u7d9a\u7387\u3092\u9ad8\u3081\u308b\u3053\u3068\u3067\u3001\u52a0\u76df\u5e97\u306e\u6c7a\u6e08\u3092\u30aa\u30fc\u30b1\u30b9\u30c8\u30ec\u30fc\u30b7\u30e7\u30f3\u3059\u308b\u306e\u306b\u9069\u3057\u305f\u7acb\u5834\u306b\u3042\u308b\u3068\u78ba\u4fe1\u3057\u3066\u3044\u307e\u3059\u3002Braintree\u306f\u5f53\u793e\u306b\u3068\u3063\u3066\u91cd\u8981\u306a\u6210\u9577\u5206\u91ce\u3067\u3042\u308a\u3001\u4eca\u5f8c\u3082\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u3055\u3089\u306a\u308b\u5f37\u5316\u306e\u305f\u3081\u306b\u6295\u8cc7\u3092\u7d9a\u3051\u3066\u3044\u304d\u307e\u3059\u3002Braintree\u306eTPV\u306f\u3001\u5f53\u56db\u534a\u671f\u306b38%\u5897\u52a0\u3057\u307e\u3057\u305f\u3002Braintree\u306e\u52e2\u3044\u306f\u3001\u6700\u8fd1\u306e\u52a0\u76df\u5e97\u7372\u5f97\u3068Share of Wallet\u306e\u62e1\u5927\u304c\u4e3b\u306a\u8981\u56e0\u3067\u3059\u3002<\/p>\n

\u3053\u306e\u5951\u7d04\u306b\u3088\u308a\u3001Braintree\u306f\u4e16\u754c\u4e2d\u306e\u4e3b\u8981\u306a\u30ab\u30fc\u30c9\u30d7\u30ed\u30bb\u30c3\u30b5\u30fc\u3068\u306a\u308a\u3001Live Nation\u306e\u5927\u898f\u6a21\u306a\u30d5\u30a7\u30b9\u30c6\u30a3\u30d0\u30eb\u306b\u304a\u3051\u308bPayPal\u304a\u3088\u3073Venmo\u3068\u306e\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3082\u62e1\u5927\u3055\u308c\u307e\u3057\u305f\u3002Buy now, pay later\u306f\u3001\u79c1\u305f\u3061\u306e\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u4f53\u9a13\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u8cc7\u7523\u3067\u3042\u308a\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002PayPal\u306f\u3001Wall Street Journal\u8a8c\u306b\u3088\u3063\u3066\u3001\u7c73\u56fd\u3067\u6700\u3082\u512a\u308c\u305fBuy Now, Pay Later\u306e\u4fa1\u5024\u63d0\u6848\u3068\u3057\u3066\u30e9\u30f3\u30af\u4ed8\u3051\u3055\u308c\u305f\u3070\u304b\u308a\u3067\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306b\u306f\u3001\u524d\u5e74\u540c\u671f\u6bd4157%\u5897\u306e\u7d0450\u5104\u30c9\u30eb\u3092\u51e6\u7406\u3057\u30012500\u4e07\u4eba\u4ee5\u4e0a\u306e\u6d88\u8cbb\u8005\u304c\u3001\u30b5\u30fc\u30d3\u30b9\u958b\u59cb\u4ee5\u6765\u7d041\u51045000\u4e07\u56de\u3001Buy Now & Pay Later\u30b5\u30fc\u30d3\u30b9\u3092\u5229\u7528\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3053\u306e\u3088\u3046\u306a\u529b\u5f37\u3044\u6210\u9577\u306e\u7d50\u679c\u3001\u5f53\u793e\u306f\u3001\u4e21\u9762\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u3088\u308b\u72ec\u81ea\u306e\u7af6\u4e89\u512a\u4f4d\u6027\u3092\u6301\u3064\u4e16\u754c\u6700\u5927\u7d1a\u306eBuy Now, Pay Later\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3068\u306a\u3063\u305f\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u30a2\u30c3\u30d7\u30b9\u30c8\u30ea\u30fc\u30e0\u30fb\u30d7\u30ec\u30bc\u30f3\u30bf\u30f3\u30c8\u306f\u3001280,000\u4ee5\u4e0a\u306e\u52a0\u76df\u5e97\u304c\u5546\u54c1\u30da\u30fc\u30b8\u306b\u5f53\u793e\u306e\u300cBuy Now, Pay Later\u300d\u3092\u8868\u793a\u3057\u3001\u6210\u9577\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u6709\u52b9\u306a\u30a2\u30ab\u30a6\u30f3\u30c8\u30d9\u30fc\u30b9\u3068\u9867\u5ba2\u306b\u95a2\u3059\u308b\u9577\u5e74\u306e\u53d6\u5f15\u30c7\u30fc\u30bf\u306b\u3088\u308a\u3001\u30a2\u30f3\u30c0\u30fc\u30e9\u30a4\u30c6\u30a3\u30f3\u30b0\u306e\u89b3\u70b9\u304b\u3089\u3082\u66f4\u306a\u308b\u7af6\u4e89\u529b\u3092\u7372\u5f97\u3057\u3066\u3044\u307e\u3059\u3002\u7b2c3\u56db\u534a\u671f\u672b\u73fe\u5728\u3001\u5f53\u793e\u306e\u640d\u5931\u7387\u306f\u696d\u754c\u6700\u4f4e\u6c34\u6e96\u306b\u3042\u308a\u3001\u73fe\u5728\u3082\u60aa\u5316\u306f\u898b\u3089\u308c\u307e\u305b\u3093\u3002<\/p>\n

Venmo\u306f\u5f53\u793e\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u4e2d\u3067\u3001\u672a\u958b\u62d3\u306e\u53ef\u80fd\u6027\u3092\u79d8\u3081\u305f\u91cd\u8981\u306a\u8cc7\u7523\u3067\u3042\u308a\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002Venmo\u306e\u30a2\u30af\u30c6\u30a3\u30d6\u30a2\u30ab\u30a6\u30f3\u30c8\u306f\u7d049000\u4e07\u4ef6\u3067\u3001\u305d\u306e\u3046\u3061\u6708\u9593\u30a2\u30af\u30c6\u30a3\u30d6\u30a2\u30ab\u30a6\u30f3\u30c8\u306f5700\u4e07\u4ef6\u3067\u3059\u3002Venmo\u306e\u7dcf\u652f\u6255\u984d\u306f6%\u5897\u52a0\u3057\u3001Venmo\u306e\u30b3\u30de\u30fc\u30b9\u91cf\u306f\u7b2c3\u56db\u534a\u671f\u306b150%\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u4eca\u671f\u306f\u30c1\u30e3\u30ea\u30c6\u30a3\u56e3\u4f53\u306eVenmo\u3078\u306e\u53c2\u52a0\u3092\u958b\u59cb\u3057\u3001\u30db\u30ea\u30c7\u30fc\u30b7\u30fc\u30ba\u30f3\u3092\u8fce\u3048\u308b\u306b\u3042\u305f\u308a\u3001\u3088\u308a\u591a\u304f\u306e\u5bc4\u4ed8\u3092\u4fc3\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n

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\u307e\u305f\u3001\u53d7\u53d6\u5229\u606f\u3082\u7dcf\u53d6\u5f15\u9ad8\u306b\u8ca2\u732e\u3057\u307e\u3057\u305f\u3002\u53d6\u5f15\u8cbb\u7528\u306f\u3001\u524d\u5e74\u5ea6\u306e83\u30d9\u30fc\u30b7\u30b9\u30dd\u30a4\u30f3\u30c8\u306b\u5bfe\u3057\u306689\u30d9\u30fc\u30b7\u30b9\u30dd\u30a4\u30f3\u30c8\u306e\u5bfeTPV\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u3053\u306e\u7d50\u679c\u306f\u3001\u4e3b\u306b\u30ab\u30fc\u30c9\u306b\u3088\u308b\u8cc7\u91d1\u8abf\u9054\u304c\u591a\u3044Braintree\u306e\u53d6\u5f15\u91cf\u304c\u3001\u5f53\u793e\u306e\u6c7a\u6e08\u91cf\u5168\u4f53\u306e\u69cb\u6210\u306b\u5360\u3081\u308b\u5272\u5408\u304c\u5897\u52a0\u3057\u305f\u3053\u3068\u304c\u4e3b\u306a\u539f\u56e0\u3067\u3059\u3002\u307e\u305f\u3001\u8cc7\u91d1\u8abf\u9054\u30df\u30c3\u30af\u30b9\u306f\u30012021\u5e74\u306b\u6bd4\u3079\u3066\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u5229\u7528\u304c\u3088\u308a\u6b63\u5e38\u5316\u3057\u305f\u3053\u3068\u306b\u3088\u308b\u53d6\u5f15\u8cbb\u7528\u306e\u5897\u52a0\u306b\u3082\u82e5\u5e72\u306a\u304c\u3089\u5bc4\u4e0e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

TPV\u7387\u3067\u306e\u53d6\u5f15\u640d\u5931\u306f\u3001\u524d\u5e74\u540c\u671f\u306e9\u30d9\u30fc\u30b7\u30b9\u30dd\u30a4\u30f3\u30c8\u306b\u5bfe\u3057\u30018\u30d9\u30fc\u30b7\u30b9\u30dd\u30a4\u30f3\u30c8\u3067\u3057\u305f\u3002\u307e\u305f\u3001\u4fe1\u7528\u640d\u5931\u306f TPV \u6bd4\u3067 1 \u5104 1300 \u4e07\u30c9\u30eb\uff083bp\uff09\u3067\u3057\u305f\u3002\u306a\u304a\u30012021\u5e74\u7b2c3\u56db\u534a\u671f\u306b\u306f\u30016300\u4e07\u30c9\u30eb\u306e\u4fe1\u7528\u6e96\u5099\u91d1\u3092\u89e3\u9664\u3057\u3001\u524d\u671f\u306e\u53d6\u5f15\u30de\u30fc\u30b8\u30f3\u53ca\u3073\u55b6\u696d\u5229\u76ca\u7387\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306b100\u30d9\u30fc\u30b7\u30b9\u30dd\u30a4\u30f3\u30c8\u306e\u6069\u6075\u3092\u4e0e\u3048\u307e\u3057\u305f\u3002\u7b2c3\u56db\u534a\u671f\u306e\u7dcf\u50b5\u6a29\u984d\u306f65\u5104\u30c9\u30eb\u3067\u3001\u524d\u56db\u534a\u671f\u6bd44%\u306e\u4f38\u3073\u3092\u793a\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u5f8c\u6255\u3044\u50b5\u6a29\u306e\u5897\u52a0\u304c\u3001\u30ed\u30fc\u30f3\u7d44\u6210\u306e\u6700\u5927\u306e\u63a8\u9032\u8981\u56e0\u3067\u3057\u305f\u3002\u30da\u30a4\u30fb\u30ec\u30fc\u30c8\u5546\u54c1\u306b\u3088\u308b\u77ed\u671f\u9593\u306e\u7d44\u6210\u3068\u3001\u30ed\u30fc\u30f3\u50b5\u6a29\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u5805\u8abf\u306a\u696d\u7e3e\u306b\u3088\u308a\u3001\u30ea\u30b6\u30fc\u30d6\u30fb\u30ab\u30d0\u30ec\u30c3\u30b8\u30fb\u30ec\u30b7\u30aa \u306f\u3001\u524d\u56db\u534a\u671f\u306e 7.3\uff05\u3001\u524d\u5e74\u540c\u671f\u306e 11.6\uff05\u306b\u5bfe\u3057\u3066\u30017.4\uff05\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u53d6\u5f15\u5229\u76ca\u30c9\u30eb\u306f\u30012022 \u5e74\u7b2c 1 \u56db\u534a\u671f\u3068\u7b2c 2 \u56db\u534a\u671f\u306e\u524d\u5e74\u540c\u671f\u6bd4\u6e1b\u5c11\u304b\u3089\u53cd\u8ee2\u3057\u30014%\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u6628\u5e74\u306e\u30ea\u30b6\u30fc\u30d6\u30ea\u30ea\u30fc\u30b9\u306b\u3088\u308b\u5229\u76ca\u3092\u9664\u304f\u3068\u3001\u53d6\u5f15\u5229\u76ca\u7387\u306f6\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u4eca\u671f\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u5168\u4f53\u306e\u898f\u6a21\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u306b\u3088\u308b\u53d6\u5f15\u8cbb\u7528\u3078\u306e\u52b9\u679c\u304c\u51fa\u59cb\u3081\u307e\u3057\u305f\u3002\u3053\u306e\u50be\u5411\u306f\u7b2c4\u56db\u534a\u671f\u4ee5\u964d\u30012023\u5e74\u307e\u3067\u7d9a\u304f\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u95a2\u9023\u4ee5\u5916\u306e\u8cbb\u7528\u306e\u5897\u52a0\u306e\u5408\u7406\u5316\u3082\u9032\u3093\u3067\u3044\u307e\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306f\u3001\u975eGAAP\u30d9\u30fc\u30b9\u3067\u3001\u3053\u308c\u3089\u306e\u8cbb\u7528\u304c\u6628\u5e74\u306e17%\u5897\u306b\u5bfe\u3057\u30664%\u5897\u3068\u306a\u308a\u3001180\u30d9\u30fc\u30b7\u30b9\u30dd\u30a4\u30f3\u30c8\u306e\u55b6\u696d\u30ec\u30d0\u30ec\u30c3\u30b8\u3092\u5b9f\u73fe\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u975e GAAP \u578b\u306e\u55b6\u696d\u5229\u76ca\u3082\u524d\u5e74\u540c\u671f\u6bd4 4%\u5897\u306e 15 \u5104 3,000 \u4e07\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u91cd\u8981\u306a\u306e\u306f\u3001\u55b6\u696d\u5229\u76ca\u304c\u4f38\u3073\u305f\u306e\u306f21\u5e74\u7b2c2\u56db\u534a\u671f\u4ee5\u6765\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u55b6\u696d\u5229\u76ca\u7387\u306f22.4\uff05\u3068\u306a\u308a\u3001\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u6642\u306b\u63d0\u793a\u3057\u305f\u898b\u901a\u3057\u304b\u3089\u7d042\u30dd\u30a4\u30f3\u30c8\u6539\u5584\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u55b6\u696d\u5229\u76ca\u7387\u306e\u6539\u5584\u306f\u7279\u306b\u559c\u3070\u3057\u3044\u3053\u3068\u3067\u3042\u308a\u30012023 \u5e74\u4ee5\u964d\u3082\u3053\u306e\u30b3\u30b9\u30c8\u6291\u5236\u306e\u5b9f\u7e3e\u3092\u7a4d\u307f\u91cd\u306d\u3066\u3044\u304d\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u7b2c3\u56db\u534a\u671f\u306e\u975eGAAP\u30d9\u30fc\u30b9\u306eEPS\u306f1.08\u30c9\u30eb\u3067\u3001\u898b\u901a\u3057\u309215\uff05\u8fd1\u304f\u4e0a\u56de\u308a\u307e\u3057\u305f\u300221\u5e74\u7b2c3\u56db\u534a\u671f\u306e\u7a0e\u5f15\u304d\u524d\u5229\u76ca\u306f1\u682a\u5f53\u305f\u308a\u7d040.10\u30c9\u30eb\u3067\u3001EPS\u306e\u4f38\u3073\u306b\u306f\u5411\u304b\u3044\u98a8\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u4e88\u60f3\u3092\u4e0a\u56de\u308b\u696d\u7e3e\u3092\u9054\u6210\u3057\u305f\u4e3b\u306a\u8981\u56e0\u306f\u3001\u975e\u53d6\u5f15\u95a2\u9023\u306e\u55b6\u696d\u8cbb\u7528\u306e\u52b9\u7387\u5316\u3092\u56f3\u308b\u305f\u3081\u306e\u63aa\u7f6e\u3068\u3001\u53d6\u5f15\u640d\u5931\u306e\u6539\u5584\u3067\u3059\u3002\u5f53\u56db\u534a\u671f\u306e\u73fe\u91d1\u3001\u73fe\u91d1\u540c\u7b49\u7269\u53ca\u3073\u73fe\u91d1\u540c\u7b49\u7269\u304b\u3089\u6210\u308b\u6295\u8cc7\u52d8\u5b9a\u306f 161 \u5104\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n

\u5f53\u56db\u534a\u671f\u306f 18 \u5104\u30c9\u30eb\u306e\u30d5\u30ea\u30fc\u30fb\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d5\u30ed\u30fc\u3092\u5275\u51fa\u3057\u3001\u7d2f\u8a08\u306e\u30d5\u30ea\u30fc\u30fb\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d5\u30ed\u30fc\u306f 41 \u5104\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u6628\u5e74\u3068\u306e\u6bd4\u8f03\u3067\u306f\u3001\u7b2c3\u56db\u534a\u671f\u306e\u30d5\u30ea\u30fc\u30fb\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d5\u30ed\u30fc\u306f37\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u5f53\u793e\u306f\u3001\u30d0\u30e9\u30f3\u30b9\u30b7\u30fc\u30c8\u3068\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u304c\u7af6\u4e89\u4e0a\u306e\u5dee\u5225\u5316\u8981\u56e0\u3067\u3042\u308a\u3001\u4fa1\u5024\u5275\u9020\u306e\u305f\u3081\u306e\u5927\u304d\u306a\u30aa\u30d7\u30b7\u30e7\u30ca\u30ea\u30c6\u30a3\u3092\u63d0\u4f9b\u3059\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306b\u306f\u30019\u51043,900\u4e07\u30c9\u30eb\u306e\u8ffd\u52a0\u7684\u306a\u81ea\u793e\u682a\u8cb7\u3044\u3092\u5b8c\u4e86\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u3053\u308c\u307e\u3067\u306e\u7d2f\u8a08\u3067\u306f\u3001\u5f53\u793e\u304c\u5275\u51fa\u3057\u305f\u30d5\u30ea\u30fc\u30fb\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d5\u30ed\u30fc\u306e78%\u306b\u76f8\u5f53\u3059\u308b32\u5104\u30c9\u30eb\u3092\u682a\u4e3b\u306b\u9084\u5143\u3057\u3066\u3044\u307e\u3059\u3002\u73fe\u5728\u306e\u8a55\u4fa1\u984d\u306b\u5bfe\u3059\u308b\u5f53\u793e\u306e\u4e8b\u696d\u306b\u5bfe\u3059\u308b\u78ba\u4fe1\u3001\u304a\u3088\u3073\u9577\u671f\u7684\u306a\u7af6\u4e89\u512a\u4f4d\u6027\u3068\u6301\u7d9a\u7684\u306a\u4fa1\u5024\u5275\u9020\u3092\u5b9f\u73fe\u3059\u308b\u80fd\u529b\u3092\u8003\u616e\u3057\u3001\u5f53\u793e\u306f\u4eca\u5e74\u3001\u8cc7\u672c\u8fd4\u9084\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u5bfe\u3057\u3066\u3088\u308a\u7a4d\u6975\u7684\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u3068\u3063\u3066\u3044\u307e\u3059\u3002\u81ea\u5df1\u682a\u5f0f\u306e\u53d6\u5f97\u306f\u3001\u682a\u4e3b\u306e\u7686\u69d8\u306b\u3068\u3063\u3066\u6700\u9069\u306a\u8cc7\u672c\u6d3b\u7528\u3067\u3042\u308b\u3068\u540c\u6642\u306b\u3001\u5f53\u793e\u306e\u4e8b\u696d\u306b\u5bfe\u3057\u3066\u6a5f\u52d5\u7684\u306a\u6295\u8cc7\u3092\u7d99\u7d9a\u3059\u308b\u305f\u3081\u306e\u67d4\u8edf\u6027\u3092\u4fdd\u6301\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u73fe\u5728\u3001\u7b2c4\u56db\u534a\u671f\u306b10\u5104\u30c9\u30eb\u306e\u8ffd\u52a0\u7684\u306a\u81ea\u793e\u682a\u8cb7\u3044\u3092\u5b8c\u4e86\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002<\/p>\n

\u524d\u56db\u534a\u671f\u306e\u6c7a\u7b97\u8aac\u660e\u4f1a\u3067\u304a\u8a71\u3057\u3057\u305f\u3068\u304a\u308a\u3001\u5f53\u793e\u306f\u4fe1\u7528\u306e\u5916\u90e8\u5316\u306e\u6a5f\u4f1a\u3092\u8a55\u4fa1\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u3053\u306e\u53d6\u308a\u7d44\u307f\u306b\u9032\u5c55\u304c\u3042\u308a\u3001\u6765\u5e74\u306b\u306f\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u30da\u30a4\u30fb\u30ec\u30fc\u30c8\u30fb\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u4e00\u90e8\u306b\u3064\u3044\u3066\u30aa\u30d5\u30d0\u30e9\u30f3\u30b9\u3067\u306e\u8cc7\u91d1\u8abf\u9054\u3092\u78ba\u4fdd\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u8aac\u660e\u3059\u308b\u524d\u306b\u3001TPV\u3092\u5206\u89e3\u3059\u308b\u305f\u3081\u306b\u4eca\u56db\u534a\u671f\u306b\u958b\u793a\u3059\u308b\u8ffd\u52a0\u7684\u306a\u60c5\u5831\u306b\u3064\u3044\u3066\u304a\u8a71\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u6295\u8cc7\u5bb6\u5411\u3051\u6700\u65b0\u60c5\u5831\u3067\u306f\u3001\u5f53\u793e\u306e\u30dc\u30ea\u30e5\u30fc\u30e0\u30df\u30c3\u30af\u30b9\u3068\u305d\u308c\u304c\u3069\u306e\u3088\u3046\u306b\u5909\u5316\u3057\u3066\u304d\u305f\u304b\u306b\u95a2\u9023\u3059\u308b\u8ffd\u52a0\u60c5\u5831\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3053\u306e\u8a73\u7d30\u306a\u60c5\u5831\u306f\u3001\u6295\u8cc7\u5bb6\u306e\u7686\u69d8\u304c\u5f53\u793e\u306e\u4e8b\u696d\u52d5\u5411\u3092\u3088\u308a\u826f\u304f\u7406\u89e3\u3059\u308b\u305f\u3081\u306b\u6709\u7528\u3067\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u6b21\u306b\u3001\u4eca\u5e74\u5ea6\u672b\u307e\u3067\u306e\u898b\u901a\u3057\u3068\u30012023\u5e74\u306b\u5411\u3051\u305f\u4e88\u5099\u7684\u306a\u898b\u901a\u3057\u306b\u3064\u3044\u3066\u8aac\u660e\u3057\u307e\u3059\u3002\u307e\u305a\u3001\u79c1\u305f\u3061\u304c\u898b\u3066\u3044\u308b\u30c8\u30ec\u30f3\u30c9\u3068\u3001\u305d\u308c\u304c\u3069\u306e\u3088\u3046\u306b\u79c1\u305f\u3061\u306e\u898b\u901a\u3057\u3092\u5f62\u6210\u3057\u3066\u3044\u308b\u304b\u3001\u306b\u3064\u3044\u3066\u3054\u8aac\u660e\u3057\u307e\u3059\u3002\u30c0\u30f3\u304c\u7533\u3057\u4e0a\u3052\u305f\u3088\u3046\u306b\u3001\u7c73\u56fd\u306e\u96fb\u5b50\u5546\u53d6\u5f15\u306f\u5168\u4f53\u3068\u3057\u30661\uff05\u53f0\u524d\u534a\u306e\u6210\u9577\u3067\u3057\u305f\u3002<\/p>\n

\u7b2c3\u56db\u534a\u671f\u306e\u7c73\u56fd\u306b\u304a\u3051\u308b\u96fb\u5b50\u5546\u53d6\u5f15\u306e\u6210\u9577\u7387\u306f1\u6841\u53f0\u524d\u534a\u3067\u3057\u305f\u304c\u3001\u56db\u534a\u671f\u672b\u306b\u304b\u3051\u3066\u6e1b\u901f\u3057\u307e\u3057\u305f\u3002\u3053\u306e\u50be\u5411\u306f10\u6708\u3082\u7d9a\u3044\u3066\u3044\u307e\u3059\u3002\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3084\u7b2c\u4e09\u8005\u306e\u30c7\u30fc\u30bf\u3067\u306f\u30012021\u5e74\u306e\u3088\u3046\u306a\u7c73\u56fd\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u30fb\u30db\u30ea\u30c7\u30fc\u30b7\u30fc\u30ba\u30f3\u306e\u65e9\u3044\u30b9\u30bf\u30fc\u30c8\u306f\u898b\u3089\u308c\u3066\u3044\u307e\u305b\u3093\u3002<\/p>\n

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\u5e02\u5834\u5225\u3067\u306f\u3001\u7c73\u56fd\u304c\u5f15\u304d\u7d9a\u304d\u6d77\u5916\u3092\u4e0a\u56de\u3063\u3066\u304a\u308a\u3001\u5f53\u793e\u306b\u3068\u3063\u30662\u756a\u76ee\u306b\u5927\u304d\u3044\u5e02\u5834\u3067\u3042\u308b\u82f1\u56fd\u3067\u306f\u696d\u7e3e\u304c\u60aa\u5316\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u8981\u56e0\u306b\u52a0\u3048\u3001\u3088\u308a\u5e83\u7bc4\u306a\u30de\u30af\u30ed\u30c8\u30ec\u30f3\u30c9\u3082\u898b\u901a\u3057\u306e\u4fee\u6b63\u306b\u7e54\u308a\u8fbc\u307f\u6e08\u307f\u3067\u3059\u3002\u901a\u671f\u306e\u70ba\u66ff\u30ec\u30fc\u30c8\u3092\u4f7f\u7528\u3057\u306a\u3044\u58f2\u4e0a\u898b\u901a\u3057\u30921\u30dd\u30a4\u30f3\u30c8\u5f15\u304d\u4e0b\u3052\u3001\u4e2d\u9593\u671f\u306e\u975e GAAP \u578b EPS \u898b\u901a\u3057\u3092 0.16 \u30c9 \u30eb\u5f15\u304d\u4e0a\u3052\u307e\u3059\u3002\u73fe\u5728\u306e\u4e16\u754c\u7684\u306a\u30de\u30af\u30ed\u74b0\u5883\u306e\u4e0d\u78ba\u5b9f\u6027\u3092\u8003\u616e\u3059\u308c\u3070\u3001\u3053\u308c\u306f\u53ce\u76ca\u898b\u901a\u3057\u306b\u5bfe\u3059\u308b\u9069\u5207\u306a\u5224\u65ad\u3067\u3042\u308a\u3001\u614e\u91cd\u306a\u30a2\u30d7 \u30ed\u30fc\u30c1\u3067\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u5f53\u793e\u306e\u53ce\u76ca\u898b\u901a\u3057\u306f\u3001\u5f53\u793e\u306e\u30d5\u30e9\u30f3\u30c1\u30e3\u30a4\u30ba\u306e\u56de\u5fa9\u529b\u3068\u529b\u5f37\u3055\u3092\u53cd\u6620\u3057\u3066\u3044\u307e\u3059\u3002\u4e00\u682a\u5f53\u305f\u308a\u5229\u76ca\u898b\u901a\u3057\u3092\u518d\u5ea6\u4e0a\u65b9\u4fee\u6b63\u3057\u305f\u3053\u3068\u306f\u3001\u55b6\u696d\u8cbb\u7528\u306e\u6291\u5236\u3001\u4e8b\u696d\u306e\u591a\u89d2\u5316\u3001\u53ca\u3073\u5f53\u793e\u306e\u30aa\u30da\u30ec \u30fc\u30c6\u30a3\u30f3\u30b0\u30fb\u30e2\u30c7\u30eb\u306e\u898f\u6a21\u306b\u3088\u308b\u30e1\u30ea\u30c3\u30c8\u3092\u793a\u3059\u3082\u306e\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u74b0\u5883\u306b\u304a\u3044\u3066\u3001\u7b2c4\u56db\u534a\u671f\u306e\u696d\u7e3e\u898b\u901a\u3057\u3092\u5f15\u304d\u4e0a\u3052\u308b\u3053\u3068\u304c\u3067\u304d\u305f\u3053\u3068\u306f\u3001\u4ed6\u306e\u4e0a\u5834\u4f01\u696d\u306e\u696d\u7e3e\u898b\u901a\u3057\u3068\u6bd4\u8f03\u3057\u3066\u3001\u7279\u7b46\u3059\u3079\u304d\u3053\u3068\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u901a\u671f\u3067\u306f\u3001\u58f2\u4e0a\u9ad8\u306f\u70ba\u66ff\u30ec\u30fc\u30c8\u3092\u8abf\u6574\u305b\u305a\u306b\u7d04 10\uff05\u3001\u30b9\u30dd\u30c3\u30c8\u4fa1\u683c\u3067\u306f\u7d04 8.5\uff05\u306e\u6210\u9577\u3092\u898b\u8fbc\u3093\u3067\u3044 \u307e\u3059\u3002<\/p>\n

\u7b2c 4 \u56db\u534a\u671f\u306b\u3064\u3044\u3066\u306f\u3001\u70ba\u66ff\u5909\u52d5\u306b\u3088\u3089\u306a\u3044\u30d9\u30fc\u30b9\u3067\u7d04 9\uff05\u3001\u30b9\u30dd\u30c3\u30c8\u4fa1\u683c\u3067\u306f\u7d04 7\uff05\u306e\u5897\u53ce\u3092\u898b\u8fbc\u3093\u3067 \u3044\u307e\u3059\u3002\u7b2c4\u56db\u534a\u671f\u304a\u3088\u3073\u901a\u671f\u306e\u58f2\u4e0a\u6210\u9577\u7387\u30ac\u30a4\u30c0\u30f3\u30b9\u306f\u3001\u5f53\u793e\u306e\u898f\u6a21\u3068\u30de\u30af\u30ed\u74b0\u5883\u3092\u8003\u616e\u3059\u308c\u3070\u3001\u5f37\u529b\u306a\u3082\u306e\u3067\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u4eca\u5e74\u306e\u975eGAAP\u30d9\u30fc\u30b9\u306e\u55b6\u696d\u5229\u76ca\u7387\u306f21\uff05\u4ee5\u4e0a\u3092\u9054\u6210\u3059\u308b\u898b\u8fbc\u307f\u3067\u3059\u30022022\u5e74\u306e\u7b2c1\uff5e3\u56db\u534a\u671f\u306f\u3001\u5f53\u793e\u306e\u55b6\u696d\u5229\u76ca\u7387\u306f\u524d\u5e74\u540c\u671f\u6bd4\u3067\u4f4e\u4e0b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u91cd\u8981\u306a\u306e\u306f\u3001\u7b2c4\u56db\u534a\u671f\u306b\u3053\u306e\u50be\u5411\u304c\u5909\u308f\u308a\u3001non-GAAP\u30d9\u30fc\u30b9\u306e\u55b6\u696d\u5229\u76ca\u7387\u304c\u62e1\u5927\u3059\u308b\u898b\u8fbc\u307f\u3067\u3042\u308b\u3053\u3068\u3067\u3059\u3002\u5f53\u793e\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3067\u306f\u3001\u7b2c4\u56db\u534a\u671f\u306e\u55b6\u696d\u5229\u76ca\u7387\u306f\u7d0422.5%\u3092\u60f3\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u901a\u671f\u306e\u975eGAAP\u30d9\u30fc\u30b9\u306eEPS\u30924.07\u30c9\u30eb\u304b\u30894.09\u30c9\u30eb\u306b\u5f15\u304d\u4e0a\u3052\u307e\u3057\u305f\u3002\u5e74\u521d\u306b\u8ff0\u3079\u305f\u3088\u3046\u306b\u3001\u6628\u5e74\u306e\u7a0e\u5236\u4e0a\u306e\u512a\u9047\u63aa\u7f6e\u3068\u5f15\u5f53\u91d1\u306e\u53d6\u308a\u5d29\u3057\u306f\u30012021\u5e74\u306e\u975eGAAP\u30d9\u30fc\u30b9\u306eEPS\u306b\u5408\u8a08\u3067\u7d040.54\u30c9\u30eb\u306e\u5229\u76ca\u3092\u3082\u305f\u3089\u3057\u3001\u4eca\u5e74\u306eEPS\u6210\u9577\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u306b\u306f\u9006\u98a8\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n

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\u540c\u6642\u306b\u3001\u4e16\u754c\u7684\u306a\u6210\u9577\u306e\u920d\u5316\u306b\u4f34\u3046\u30a4\u30f3\u30d5\u30ec\u5727\u529b\u304c\u3001e\u30b3\u30de\u30fc\u30b9\u3078\u306e\u652f\u51fa\u3092\u5727\u8feb\u3057\u30012023\u5e74\u3082\u305d\u306e\u5727\u529b\u304c\u7d99\u7d9a\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u3002 \u3053\u308c\u306f\u3001\u524d\u56db\u534a\u671f\u306b\u767a\u8868\u3057\u305f50bp\u3068\u3044\u3046\u7d04\u675f\u304b\u3089\u6539\u5584\u3055\u308c\u307e\u3057\u305f\u3002\u305d\u3057\u30663\u3064\u76ee\u306f\u30011\u682a\u5f53\u308a\u5229\u76ca\u306e\u5805\u5b9f\u306a\u6210\u9577\u3092\u5b9f\u73fe\u3059\u308b\u3068\u3044\u3046\u7d04\u675f\u3067\u3059\u3002\u30b3\u30b9\u30c8\u524a\u6e1b\u65bd\u7b56\u3068\u91d1\u5229\u4e0a\u6607\u306e\u6069\u6075\u306b\u3088\u308a\u3001\u6765\u5e74\u306f\u5c11\u306a\u304f\u3068\u308215%\u306e\u975eGAAP\u30d9\u30fc\u30b9\u306e\u5229\u76ca\u6210\u9577\u304c\u53ef\u80fd\u3067\u3042\u308b\u3068 \u8003\u3048\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u3053\u306e\u6765\u5e74\u306e\u898b\u901a\u3057\u304c\u5341\u5206\u5e83\u3044\u7bc4\u56f2\u306e\u53ce\u76ca\u7d50\u679c\u3092\u60f3\u5b9a\u3057\u3066\u3044\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u306f\u3001\u524d\u56db\u534a\u671f\u306b\u8aac\u660e\u3057\u305f\u4e8b\u696d\u904b\u55b6\u4e0a\u306e\u65bd\u7b56\u3092\u78ba\u5b9f\u306b\u5b9f\u884c\u3057\u30012023 \u5e74\u5ea6\u306e\u67a0\u7d44\u307f\u3092\u5b9f\u73fe\u3059\u308b\u3053\u3068\u306b\u5f37\u3044\u78ba\u4fe1 \u3092\u3082\u3063\u3066\u3044\u307e\u3059\u3002\u6700\u5f8c\u306b\u3001\u8cc7\u672c\u914d\u5206\u306e\u89b3\u70b9\u304b\u3089\u3001\u5f53\u793e\u306f2023\u5e74\u306b\u304a\u3044\u3066\u3082\u4eca\u5e74\u3068\u540c\u69d8\u306b\u7a4d\u6975\u7684\u306a\u81ea\u793e\u682a\u8cb7\u3044\u3092\u884c\u3046\u4e88\u5b9a\u3067\u3059\u3002\u6700\u5f8c\u306b\u3001\u4eca\u65e5\u306e\u74b0\u5883\u306f\u591a\u304f\u306e\u8ab2\u984c\u3092\u62b1\u3048\u3066\u3044\u307e\u3059\u304c\u3001\u79c1\u305f\u3061\u306f\u3053\u308c\u304b\u3089\u306e\u9053\u3092\u5207\u308a\u62d3\u304f\u305f\u3081\u306e\u614b\u52e2\u3092\u6574\u3048 \u3066\u3044\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u793e\u54e1\u3068\u3001\u79c1\u305f\u3061\u304c\u5b9f\u884c\u4e2d\u306e\u512a\u5148\u8ab2\u984c\u306b\u3064\u3044\u3066\u3001\u3053\u308c\u4ee5\u4e0a\u306a\u3044\u4fe1\u983c\u3092\u5bc4\u305b\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u306f\u3001\u3044\u304f\u3064\u304b\u306e\u65b0\u3057\u3044\u6d88\u8cbb\u8005\u4f53\u9a13\u3084\u52a0\u76df\u5e97\u4f53\u9a13\u3092\u62e1\u5927\u3057\u3001\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306e\u91cd\u8981\u306a\u6226\u7565\u7684\u30d1\u30fc\u30c8\u30ca\u30fc\u6570\u793e\u3068\u5354\u529b\u3057\u59cb\u3081\u305f\u3068\u3053\u308d\u3067\u3059\u3002\u682a\u4e3b\u306e\u7686\u69d8\u306b\u306f\u3001\u81ea\u793e\u682a\u8cb7\u3044\u3068\u3044\u3046\u5f62\u3067\u8cc7\u672c\u3092\u9084\u5143\u3057\u306a\u304c\u3089\u3001\u5927\u304d\u306a\u6210\u9577\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u5f53\u793e\u306e\u53ce\u76ca\u529b\u3068\u5f37\u529b\u306a\u30d5\u30ea\u30fc\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306e\u5275\u51fa\u306b\u3088\u308a\u3001\u4e8b\u696d\u3078\u306e\u6295\u8cc7\u3092\u7d99\u7d9a\u3057\u3001\u5f53\u793e\u306e\u30ea\u30fc\u30c0\u30fc\u3068\u3057\u3066\u306e\u5730\u4f4d\u3092\u62e1\u5927\u3067\u304d\u308b\u3068\u78ba\u4fe1\u3057\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u3059\u3079\u3066\u306e\u30b9\u30c6\u30fc\u30af\u30db\u30eb\u30c0\u30fc\u306b\u5229\u76ca\u3092\u3082\u305f\u3089\u3059\u3053\u3068\u306b\u5168\u529b\u3092\u6ce8\u3044\u3067\u304a\u308a\u3001\u305d\u306e\u9032\u6357\u3092\u3054\u5831\u544a\u3067\u304d\u308b\u3053\u3068\u3092\u5fc3\u5f85\u3061\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u305d\u308c\u3067\u306f\u3001\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u306b\u8cea\u554f\u3092\u304a\u8fd4\u3057\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u30d6\u30ea\u30a2\u30ca\u3001\u3069\u3046\u305e\u3002<\/p>\n

\u8cea\u7591\u5fdc\u7b54<\/strong><\/span><\/p>\n

\u64cd\u4f5c\u65b9\u6cd5<\/p>\n[\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u304b\u3089\u306e\u3054\u6848\u5185]. \u6700\u521d\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\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3044\u305f\u3057\u307e\u3059\u3002<\/p>\n

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

\u306f\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u30a2\u30c3\u30d7\u30eb\u306a\u3069\u3001\u78ba\u304b\u306b\u30a8\u30ad\u30b5\u30a4\u30c6\u30a3\u30f3\u30b0\u306a\u767a\u8868\u304c\u3042\u308a\u307e\u3057\u305f\u306d\u3002\u6765\u5e74\u306f\u3069\u306e\u3088\u3046\u306a\u5e74\u306b\u306a\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u3082\u3061\u308d\u3093\u3001\u3054\u6307\u6458\u306e\u3088\u3046\u306b\u3001\u7279\u306b\u53ce\u76ca\u9762\u3067\u306f\u3055\u307e\u3056\u307e\u306a\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u3057\u304b\u3057\u3001\u3042\u306a\u305f\u306f100\u30d9\u30fc\u30b7\u30b9\u30dd\u30a4\u30f3\u30c8\u306e\u30de\u30fc\u30b8\u30f3\u62e1\u5927\u3092\u5b9f\u73fe\u3059\u308b\u80fd\u529b\u306b\u304b\u306a\u308a\u81ea\u4fe1\u3092\u6301\u3063\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002\u305d\u306e\u305f\u3081\u306b\u5fc5\u8981\u306a\u3053\u3068\u306f\u4f55\u3067\u3057\u3087\u3046\u304b\uff1f\u307e\u305f\u3001\u305d\u308c\u304c\u3069\u306e\u3088\u3046\u306bEPS\u306e15%\u6210\u9577\u306b\u3064\u306a\u304c\u308b\u306e\u304b\u306b\u3064\u3044\u3066\u3082\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u30c0\u30f3\u30fb\u30b7\u30e5\u30eb\u30de\u30f3 — \u793e\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

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\u305d\u3057\u3066\u3053\u308c\u306f\u3001\u4eca\u5f8c\u3001\u5f53\u793e\u304c\u30b7\u30a7\u30a2\u3092\u7372\u5f97\u3059\u308b\u305f\u3081\u306e\u6a5f\u4f1a\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u73fe\u5728\u3001\u91d1\u5229\u306f\u4e0a\u6607\u50be\u5411\u306b\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u8ffd\u3044\u98a8\u3067\u3059\u3002\u591a\u304f\u306e\u7af6\u5408\u4ed6\u793e\u306b\u3068\u3063\u3066\u306f\u9006\u98a8\u3067\u3059\u3002<\/p>\n

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

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\u7b2c4\u56db\u534a\u671f\u306b\u306f\u3001\u30aa\u30da\u30de\u30fc\u30b8\u30f3\u3092\u7d0475bp\u62e1\u5927\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u6210\u9577\u7387\u306e\u920d\u5316\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u79c1\u305f\u3061\u306f\u5f15\u304d\u7d9a\u304d\u52b9\u7387\u5316\u3092\u5b9f\u73fe\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

\u30c0\u30f3\u30fb\u30b7\u30e5\u30eb\u30de\u30f3 — \u793e\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u307e\u305f\u3001\u30de\u30af\u30ed\u7d4c\u6e08\u74b0\u5883\u304c\u53f2\u4e0a\u6700\u9ad8\u6c34\u6e96\u306b\u9054\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u793a\u3059\u3042\u3089\u3086\u308b\u30ec\u30dd\u30fc\u30c8\u304c\u767a\u8868\u3055\u308c\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u30e6\u30fc\u30ed\u570f\u306e\u30a4\u30f3\u30d5\u30ec\u30ec\u30dd\u30fc\u30c8\u306f\u3001\u3042\u307e\u308a\u826f\u3044\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u30aa\u30e9\u30f3\u30c0\u306e\u3088\u3046\u306a\u4fdd\u5b88\u7684\u306a\u56fd\u3067\u306f17\uff05\u306e\u30a4\u30f3\u30d5\u30ec\u7387\u3001\u82f1\u56fd\u306f\u5f53\u793e\u306b\u3068\u3063\u30662\u756a\u76ee\u306b\u5927\u304d\u306a\u5e02\u5834\u3067\u3059\u304c\u3001\u672c\u5f53\u306b\u82e6\u3057\u3093\u3067\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u307e\u3060\u51ac\u304c\u7d9a\u304f\u3068\u898b\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30a8\u30cd\u30eb\u30ae\u30fc\u30b3\u30b9\u30c8\u306f\u4e0a\u6607\u3057\u307e\u3059\u3002\u307e\u305f\u3001\u4f4e\u6240\u5f97\u8005\u3084\u4e2d\u6240\u5f97\u8005\u5c64\u306f\u88c1\u91cf\u7684\u306a\u652f\u51fa\u3092\u6e1b\u3089\u3057\u59cb\u3081\u3066\u3044\u307e\u3059\u3002\u98df\u6599\u3001\u30a8\u30cd\u30eb\u30ae\u30fc\u3001\u30ac\u30b9\u3001\u5bb6\u8cc3\u306b\u591a\u304f\u306e\u652f\u51fa\u3092\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u305d\u306e\u3088\u3046\u306a\u5c64\u3078\u306e\u5f71\u97ff\u304c\u898b\u3048\u59cb\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3068\u3053\u308d\u3067\u3001\u5e02\u5834\u306e\u30cf\u30a4\u30a8\u30f3\u30c9\u5c64\u306f\u307e\u3060\u304b\u306a\u308a\u81ea\u7531\u306b\u6d88\u8cbb\u3057\u3066\u304a\u308a\u3001\u79c1\u305f\u3061\u306e\u696d\u7e3e\u306b\u3082\u305d\u308c\u304c\u8868\u308c\u3066\u3044\u307e\u3059\u3002\u3082\u3046\u3072\u3068\u3064\u306f\u3001\u7b2c4\u56db\u534a\u671f\u306bBraintree\u306e\u30e9\u30a4\u30d6\u30fb\u30c8\u30a5\u30fb\u30b5\u30a4\u30c8\u306e\u5b9f\u88c5\u304c\u304b\u306a\u308a\u591a\u304f\u3001\u307b\u307c1\u30dd\u30a4\u30f3\u30c8\u5206\u306e\u6210\u9577\u304c\u6765\u5e74\u306b\u305a\u308c\u8fbc\u3080\u3068\u4e88\u60f3\u3057\u3066\u3044\u305f\u3053\u3068\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u305d\u306e\u5206\u306e\u53ce\u76ca\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u4eca\u671f\u306f\u307e\u3060\u305d\u308c\u3092\u9054\u6210\u3067\u304d\u3066\u3044\u307e\u305b\u3093\u3002<\/p>\n

Gabs\u304c\u8a00\u3063\u305f\u3088\u3046\u306b\u3001\u7d4c\u8cbb\u3084\u6295\u8cc7\u5148\u3001\u6295\u8cc7\u72b6\u6cc1\u306a\u3069\u3001\u79c1\u305f\u3061\u304c\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3067\u304d\u308b\u3053\u3068\u306f\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u306e\u70b9\u3067\u306f\u3001\u30c1\u30fc\u30e0\u306f\u7d20\u6674\u3089\u3057\u3044\u4ed5\u4e8b\u3092\u3057\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u30de\u30af\u30ed\u74b0\u5883\u306e\u3088\u3046\u306b\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3067\u304d\u306a\u3044\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u3055\u307e\u3056\u307e\u306a\u30b7\u30ca\u30ea\u30aa\u306b\u5bfe\u5fdc\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u3066\u304a\u304f\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u5c11\u306a\u304f\u3068\u308215\uff05\u306eEPS\u6210\u9577\u3001\u55b6\u696d\u5229\u76ca\u7387\u306e\u62e1\u5927\u3001\u305d\u3057\u3066\u9ad8\u6210\u9577\u3001\u9ad8\u53ce\u76ca\u5206\u91ce\u3078\u306e\u7d99\u7d9a\u7684\u306a\u6295\u8cc7\u306b\u3064\u3044\u3066\u3001\u78ba\u56fa\u305f\u308b\u30b3\u30df\u30c3\u30c8\u30e1\u30f3\u30c8\u3092\u793a\u3059\u3053\u3068\u304c\u3001\u4eca\u56de\u7686\u3055\u3093\u306b\u304a\u793a\u3057\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n

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

\u306a\u308b\u307b\u3069\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n

Dan Schulman — \u793e\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u306f\u3044\u3002<\/p>\n

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

\u6b21\u306e\u8cea\u554f\u306f\u30d9\u30a2\u30fc\u30c9\u306e\u30b3\u30ea\u30f3\u30fb\u30bb\u30d0\u30b9\u30c1\u30e3\u30f3\u304b\u3089\u3067\u3059\u3002\u56de\u7dda\u306f\u958b\u3044\u3066\u3044\u307e\u3059<\/p>\n

Colin Sebastian — Baird — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3069\u3046\u3082\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u74b0\u5883\u306f\u6d41\u52d5\u7684\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u6700\u5f8c\u306e\u8cea\u554f\u306b\u7d9a\u3044\u3066\u3001\u6765\u5e74\u306b\u5411\u3051\u305fe\u30b3\u30de\u30fc\u30b9\u74b0\u5883\u5168\u4f53\u306b\u3064\u3044\u3066\u3069\u306e\u3088\u3046\u306b\u8003\u3048\u3066\u3044\u308b\u304b\u3001\u305d\u308c\u304c2023\u5e74\u306e\u67a0\u7d44\u307f\u306b\u3069\u306e\u3088\u3046\u306b\u5f71\u97ff\u3059\u308b\u304b\u3001\u307e\u305f\u3001\u305d\u308c\u3089\u306e\u76ee\u6a19\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306e\u57fa\u790e\u7684\u306a\u6570\u91cf\u307e\u305f\u306f\u53ce\u76ca\u306e\u6210\u9577\u4e88\u6e2c\u3092\u542b\u3081\u3066\u3001\u6587\u8108\u4e0a\u77e5\u3063\u3066\u304a\u304f\u3068\u5f79\u306b\u7acb\u3064\u3068\u601d\u3046\u306e\u3067\u3059\u304c\u3001\u3044\u304b\u304c\u3067\u3057\u3087\u3046\u304b\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u30c0\u30f3\u30fb\u30b7\u30e5\u30eb\u30de\u30f3 — \u793e\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005\uff08CEO<\/p>\n

\u305d\u308c\u3067\u306f\u307e\u305a\u79c1\u304b\u3089\u3001\u30ac\u30d6\u3055\u3093\u306b\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u307e\u305a\u3001\u30b3\u30fc\u30ea\u30f3\u3067\u3059\u304c\u30012023\u5e74\u304c\u3069\u306e\u3088\u3046\u306a\u5e74\u306b\u306a\u308b\u304b\u3092\u898b\u901a\u3059\u306b\u306f\u3001\u5c11\u3057\u65e9\u3059\u304e\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u901a\u5e38\u3001\u56db\u534a\u671f\u3067\u3044\u3048\u3070\u30013\u5206\u306e1\u304c\u7d42\u308f\u3063\u305f\u6642\u70b9\u3067\u3001\u305d\u306e\u56db\u534a\u671f\u306b\u4f55\u304c\u8d77\u3053\u308b\u304b\u3001\u304b\u306a\u308a\u898b\u901a\u3057\u304c\u3064\u304f\u306f\u305a\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u7b2c4\u56db\u534a\u671f\u306f\u305d\u3046\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n

\u30db\u30ea\u30c7\u30fc\u30b7\u30fc\u30ba\u30f3\u304c\u3059\u3079\u3066\u3067\u30015\uff5e6\u9031\u9593\u306e\u9593\u306b\u4f55\u304c\u8d77\u3053\u308b\u304b\u308f\u304b\u3089\u306a\u3044\u306e\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u5916\u90e8\u304b\u3089\u306e\u5831\u544a\u3084\u4ed6\u306eE\u30b3\u30de\u30fc\u30b9\u4f01\u696d\u3068\u306e\u4f1a\u8a71\u304b\u3089\u3001\u7b2c4\u56db\u534a\u671f\u306b\u306f\u4ed6\u306e\u5927\u624bE\u30b3\u30de\u30fc\u30b9\u4f01\u696d\u306e\u58f2\u4e0a\u304c\u6e1b\u5c11\u3057\u3066\u304a\u308a\u3001\u7b2c4\u56db\u534a\u671f\u306eE\u30b3\u30de\u30fc\u30b9\u306f\u304b\u306a\u308a\u4f4e\u8abf\u306b\u306a\u308b\u3068\u601d\u308f\u308c\u307e\u3059\u3002\u307e\u305f\u30012023\u5e74\u306b\u5411\u3051\u3066\u306f\u3001\u3044\u304b\u306a\u308b\u7406\u7531\u3067\u3042\u308c\u3001\u305d\u306e\u3088\u3046\u306a\u8a08\u753b\u306f\u7acb\u3066\u3066\u3044\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f\u305d\u308c\u3092\u4e0a\u56de\u308b\u6210\u9577\u3092\u9042\u3052\u3089\u308c\u308b\u3068\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

Braintree\u306e\u30b5\u30a4\u30c8\u3078\u306e\u30e9\u30a4\u30d6\u63a5\u7d9a\u306f\u3001\u975e\u5e38\u306b\u5927\u898f\u6a21\u306a\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u304c\u591a\u6570\u63a7\u3048\u3066\u3044\u307e\u3059\u3002\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u3068\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u306e\u6539\u5584\u3082\u975e\u5e38\u306b\u597d\u8abf\u3067\u3059\u3002\u3053\u308c\u3089\u306e\u53d6\u308a\u7d44\u307f\u304b\u3089\u5f97\u3089\u308c\u308b\u5146\u5019\u306b\u3001\u79c1\u306f\u3068\u3066\u3082\u6e80\u8db3\u3057\u3066\u3044\u307e\u3059\u3002Amazon\u306b\u3064\u3044\u3066\u306f\u3001\u4eca\u5f8c\u3069\u3046\u306a\u308b\u304b\u308f\u304b\u308a\u307e\u305b\u3093\u304c\u3001\u5927\u304d\u306a\u671f\u5f85\u3092\u5bc4\u305b\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001Apple\u3068\u306e\u5951\u7d04\u306f\u3001\u5c11\u306a\u304f\u3068\u3082\u4e2d\u671f\u7684\u306b\u306f\u6709\u610f\u7fa9\u306a\u3082\u306e\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u3067\u3059\u304b\u3089\u3001\u307e\u3060\u5224\u65ad\u3059\u308b\u306e\u306f\u65e9\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u30c8\u30c3\u30d7\u30e9\u30a4\u30f3\u306e\u524d\u63d0\u306f\u975e\u5e38\u306b\u4fdd\u5b88\u7684\u3067\u3059\u304c\u3001\u30e2\u30c7\u30eb\u306b\u306f\u5927\u91cf\u306e\u30ec\u30b8\u30ea\u30a8\u30f3\u30b9\u3092\u7d44\u307f\u8fbc\u3080\u3064\u3082\u308a\u3067\u3059\u3002\u6f5c\u5728\u7684\u306a\u4f4e\u6210\u9577\u74b0\u5883\u306b\u3082\u5bfe\u5fdc\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u307e\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u306f\u3001\u7d4c\u8cbb\u3092\u975e\u5e38\u306b\u3046\u307e\u304f\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3067\u304d\u308b\u3053\u3068\u3092\u5b9f\u8a3c\u3057\u307e\u3057\u305f\u3002\u305d\u3057\u3066\u3001\u6765\u5e74\u3082\u55b6\u696d\u5229\u76ca\u7387\u306e\u62e1\u5927\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u3067\u3059\u304b\u3089…\u30de\u30af\u30ed\u74b0\u5883\u304c\u826f\u304f\u306a\u308c\u3070\u3001\u3053\u306e\u6570\u5b57\u306f\u5287\u7684\u306b\u6539\u5584\u3055\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f\u56f0\u96e3\u306a\u7d4c\u6e08\u30b5\u30a4\u30af\u30eb\u3092\u4e88\u6e2c\u3057\u3001\u305d\u308c\u306b\u5099\u3048\u3066\u6295\u8cc7\u3057\u3001\u540c\u6642\u306b\u529b\u5f37\u3044EPS\u306e\u6210\u9577\u3092\u5b9f\u73fe\u3067\u304d\u308b\u3088\u3046\u6e96\u5099\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\n

Colin Sebastian — Baird — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

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

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

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30a6\u30a9\u30eb\u30d5\u30fb\u30ea\u30b5\u30fc\u30c1\u306e\u30c0\u30ea\u30f3\u30fb\u30da\u30e9\u30fc\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3044\u305f\u3057\u307e\u3059\u3002<\/p>\n

\u30c0\u30ea\u30f3\u30fb\u30da\u30e9\u30fc — \u30a6\u30eb\u30d5\u30fb\u30ea\u30b5\u30fc\u30c1 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3069\u3046\u3082\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002PayPal Braintree\u306e\u6570\u91cf\u5185\u8a33\u3092\u3082\u3063\u3068\u77e5\u308a\u305f\u3044\u306e\u3067\u3001\u3068\u3066\u3082\u52a9\u304b\u308a\u307e\u3059\u3002PayPal\u306e\u30b3\u30a2\u6210\u9577\u7387\u306f4%\u3068\u304a\u3063\u3057\u3083\u3044\u307e\u3057\u305f\u304c\u3001\u5e02\u5834\u4e26\u307f\u306e\u6210\u9577\u7387\u306b\u306a\u308b\u3068\u304a\u8003\u3048\u3067\u3057\u3087\u3046\u304b\u3002PayPal\u306e\u30b3\u30a2\u30fb\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u306e\u6210\u9577\u306e\u524d\u63d0\u3084\u30c9\u30e9\u30a4\u30d0\u30fc\u3001\u305d\u3057\u3066\u305d\u3053\u3067\u4f55\u304c\u3067\u304d\u308b\u306e\u304b\u306b\u3064\u3044\u3066\u89e6\u308c\u3066\u3044\u305f\u3060\u3051\u308c\u3070\u3068\u601d\u3044\u307e\u3059\u3002 Passkey\u3084Venmo\u3001Amazon\u3068\u306e\u63d0\u643a\u3001Apple\u3068\u3044\u3063\u305f\u53d6\u308a\u7d44\u307f\u304c\u9032\u3093\u3067\u3044\u308b\u3088\u3046\u3067\u3059\u306d\u3002<\/p>\n

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\u30c0\u30f3\u30fb\u30b7\u30e5\u30eb\u30de\u30f3 — \u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

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\u6b21\u306b\u8fd1\u3044\u30c7\u30b8\u30bf\u30eb\u30fb\u30a6\u30a9\u30ec\u30c3\u30c8\u306e8\u500d\u306e\u8a2d\u7f6e\u9762\u7a4d\u304c\u3042\u308a\u307e\u3059\u3002\u6d88\u8cbb\u8005\u306f\u3001\u30da\u30a4\u30d1\u30eb\u306e\u30dc\u30bf\u30f3\u3092\u898b\u308b\u3068\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u8cb7\u3044\u7269\u3092\u3059\u308b\u53ef\u80fd\u6027\u304c2\u500d\u306b\u306a\u308a\u307e\u3059\u3002\u6b27\u7c73\u306e\u5927\u624b\u30aa\u30f3\u30e9\u30a4\u30f3\u30b7\u30e7\u30c3\u30d71,500\u793e\u306e80\uff05\u304c\u30da\u30a4\u30d1\u30eb\u3092\u63a1\u7528\u3057\u3066\u304a\u308a\u3001\u8a8d\u8a3c\u7387\u306f\u5e02\u5834\u5e73\u5747\u3092600bp\u4e0a\u56de\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

100\u4ef6\u306e\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306b\u5bfe\u3057\u3066\u3001PayPal\u306f\u5f93\u6765\u306e\u30ab\u30fc\u30c9\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3088\u308a\u30826\u4ef6\u591a\u304f\u6539\u5584\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002 \u3057\u304b\u3057\u3001\u4f55\u5ea6\u3082\u8a71\u3057\u3066\u3044\u308b\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306f\u3082\u3063\u3068\u591a\u304f\u306e\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u3059\u3002\u3053\u306e1\u5e74\u9593\u3067\u3001\u304a\u5ba2\u69d8\u304c\u611f\u3058\u308b\u30ec\u30a4\u30c6\u30f3\u30b7\u30fc\u309240\uff05\u6539\u5584\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3057\u305f\u3002\u30a2\u30c3\u30d7\u30bf\u30a4\u30e0\u3068\u30a2\u30d9\u30a4\u30e9\u30d3\u30ea\u30c6\u30a3\u306f\u3055\u3089\u306b9\uff05\u5411\u4e0a\u3057\u3066\u3044\u307e\u3059\u3002\u53ef\u7528\u6027\u306f9\u5206\u306e5\u306b\u8fd1\u3065\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u30a2\u30d7\u30ea\u5185\u3067\u30e2\u30d0\u30a4\u30ebSDK\u3092\u4f7f\u7528\u3057\u305f\u5834\u5408\u3001\u521d\u671f\u6bb5\u968e\u3067\u306f\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u30ec\u30fc\u30c8\u304c3%\u304b\u308910%\u5411\u4e0a\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u3060\u521d\u671f\u6bb5\u968e\u3067\u3059\u304c\u3001\u3053\u306e\u6539\u5584\u304c\u3069\u308c\u307b\u3069\u5927\u304d\u306a\u3082\u306e\u304b\u60f3\u50cf\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002 \u8a8d\u8a3c\u306e\u9762\u3067\u306f\u3001\u30d1\u30b9\u30ad\u30fc\u304c\u975e\u5e38\u306b\u5927\u304d\u306a\u610f\u5473\u3092\u6301\u3061\u307e\u3059\u3002\u30d1\u30b9\u30ad\u30fc\u306f\u3001\u30a2\u30c3\u30d7\u30eb\u3060\u3051\u3067\u306a\u304f\u3001\u53d7\u3051\u5165\u308c\u3089\u308c\u3066\u3044\u304f\u3067\u3057\u3087\u3046\u3002\u79c1\u305f\u3061\u306f\u5f53\u521d\u3001\u30d1\u30b9\u30ad\u30fc\u306b\u3064\u3044\u3066iOS\u3092\u901a\u3058\u3066\u7d71\u5408\u3092\u9032\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3057\u304b\u3057\u3001Google\u3084Microsoft\u3082\u30d1\u30b9\u30ad\u30fc\u3092\u53ef\u80fd\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u57fa\u672c\u7684\u306b\u306fOS\u306b\u5b8c\u5168\u306b\u7d44\u307f\u8fbc\u307e\u308c\u305f\u751f\u4f53\u8a8d\u8a3c\u306b\u3088\u308b\u8a8d\u8a3c\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u8106\u5f31\u306a\u8a8d\u8a3c\u60c5\u5831\u3084\u518d\u5229\u7528\u3055\u308c\u308b\u8a8d\u8a3c\u60c5\u5831\u304c\u4e0d\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u30d1\u30b9\u30ef\u30fc\u30c9\u3092\u899a\u3048\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u30d5\u30e9\u30b9\u30c8\u30ec\u30fc\u30b7\u30e7\u30f3\u3082\u306a\u304f\u306a\u308a\u307e\u3059\u3002 \u6700\u8fd1\u306e\u8abf\u67fb\u3067\u306f\u300144%\u306e\u6d88\u8cbb\u8005\u304c\u30d1\u30b9\u30ef\u30fc\u30c9\u306e\u554f\u984c\u3067\u30aa\u30f3\u30e9\u30a4\u30f3\u8cfc\u5165\u3092\u65ad\u5ff5\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3067\u3059\u304b\u3089\u3001\u30d1\u30b9\u30ad\u30fc\u306f\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u975e\u5e38\u306b\u91cd\u8981\u306a\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u5411\u4e0a\u8981\u7d20\u306b\u306a\u308a\u5f97\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u3082\u3061\u308d\u3093\u3001\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u3092\u52a0\u901f\u3059\u308b\u305f\u3081\u306eVault\u306b\u3082\u7740\u624b\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u306e\u7d71\u8a08\u3067\u3059\u3067\u306b\u8ff0\u3079\u307e\u3057\u305f\u304c\u3001\u73fe\u5728\u3001\u5f53\u793e\u306e\u30d9\u30fc\u30b9\u306e50%\u3092\u5360\u3081\u3001\u3055\u3089\u306b\u5f53\u793e\u306e\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u304c\u4f7f\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u524d\u5e74\u6bd4\u306713%\u4ee5\u4e0a\u306e\u5897\u52a0\u3067\u3059\u3002<\/p>\n

\u3053\u306e25%\u304b\u308933%\u3067\u89e3\u7d04\u304c\u5927\u5e45\u306b\u6e1b\u308a\u3001ARPU\u306f50%\u3001\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u53d6\u5f15\u306f60%\u5897\u3048\u3066\u3044\u307e\u3059\u3002\u30a6\u30a9\u30ec\u30c3\u30c8\u306b\u642d\u8f09\u3055\u308c\u305f\u591a\u304f\u306e\u65b0\u88fd\u54c1\u304c\u3001\u591a\u304f\u306e\u652f\u6301\u3092\u5f97\u3066\u3044\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u8caf\u84c4\u306f\u65e9\u3044\u6bb5\u968e\u3067\u3059\u3002APY\u306f3%\u3067\u3059\u304c\u3001\u8caf\u84c4\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u53c2\u52a0\u3057\u305f\u4eba\u306eARPA\u306f20%\u4e0a\u6607\u3057\u3001\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u306f30%\u4e0a\u6607\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u3055\u3089\u306b\u3001\u30ab\u30fc\u30c9\u306f\u79c1\u305f\u3061\u306e\u6226\u7565\u306e\u91cd\u8981\u306a\u90e8\u5206\u3067\u3059\u304b\u3089\u3001\u65b0\u3057\u30443\u679a\u30012\u679a\u306e\u30ab\u30fc\u30c9\u306e\u3088\u3046\u306a\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u975e\u5e38\u306b\u597d\u8abf\u306a\u6ed1\u308a\u51fa\u3057\u3067\u3059\u30022%\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u3092\u5b9f\u65bd\u3057\u305f\u904e\u53bb22\u30ab\u6708\u3092\u4e0a\u56de\u308b\u6570\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u3001\u3053\u306e\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u958b\u59cb\u5f8c6\u30ab\u6708\u3067\u7372\u5f97\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306e\u53d6\u308a\u7d44\u307f\u306b\u306f\u591a\u304f\u306e\u697d\u3057\u307f\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u305d\u306e\u305f\u3081\u3001\u79c1\u305f\u3061\u306f\u3053\u308c\u3089\u306e\u53d6\u308a\u7d44\u307f\u306b\u591a\u984d\u306e\u6295\u8cc7\u3092\u884c\u3046\u3068\u3068\u3082\u306b\u3001\u55b6\u696d\u5229\u76ca\u7387\u3084EPS\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u6295\u8cc7\u5bb6\u306b\u9084\u5143\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\n

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

\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3001\u30c0\u30f3\u3002<\/p>\n

\u30c0\u30f3\u30fb\u30b7\u30e5\u30eb\u30de\u30f3 — \u793e\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u305d\u3046\u3067\u3059\u306d\u3002<\/p>\n

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

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\u30ea\u30b5\u30fb\u30a8\u30ea\u30b9 — \u30e2\u30d5\u30a7\u30c3\u30c8\u30fb\u30ca\u30bf\u30f3\u30bd\u30f3 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

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\u30c0\u30f3\u30fb\u30b7\u30e5\u30eb\u30de\u30f3 — \u793e\u9577\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

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\u30ea\u30b5\u30fb\u30a8\u30ea\u30b9 — MoffettNathanson — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

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

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\u30c6\u30a3\u30a8\u30f3\uff1d\u30c6\u30a3\u30f3\u30fb\u30d5\u30a2\u30f3 — JP\u30e2\u30eb\u30ac\u30f3 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

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Gabs Rabinovitch — \u4e0a\u5e2d\u526f\u793e\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\u4ee3\u884c<\/p>\n

\u305d\u306e\u901a\u308a\u3067\u3059\u3002\u524d\u56db\u534a\u671f\u306b\u3001\u6765\u5e74\u306f\u5c11\u306a\u304f\u3068\u308213\u5104\u30c9\u30eb\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u3092\u5b9f\u73fe\u3059\u308b\u3068\u3044\u3046\u8a71\u3092\u3057\u307e\u3057\u305f\u304c\u3001\u305d\u306e\u534a\u5206\u8fd1\u304f\u304c\u53d6\u5f15\u8cbb\u7528\u5074\u3067\u3001\u6b8b\u308a\u306e\u534a\u5206\u304c\u975e\u53d6\u5f15\u95a2\u9023\u306e\u30aa\u30da\u30c3\u30af\u30b9\u306b\u3088\u308b\u3082\u306e\u3067\u3057\u305f\u3002\u3082\u3063\u3068\u3067\u304d\u308b\u3053\u3068\u304c\u3042\u308b\u3068\u601d\u3046\u3053\u3068\u306b\u52a0\u3048\u3066\u3001\u73fe\u6642\u70b9\u3067\u306fTE\u3088\u308a\u3082\u975e\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u95a2\u9023\u306e\u7d4c\u8cbb\u306e\u65b9\u304c\u6709\u5229\u306a\u30d0\u30e9\u30f3\u30b9\u306b\u306a\u3063\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u6210\u9577\u7387\u304c\u3084\u3084\u4f4e\u3044\u74b0\u5883\u3067\u306f\u3001TE\u5074\u3067\u5f97\u3089\u308c\u308b\u30e1\u30ea\u30c3\u30c8\u306e\u4e00\u90e8\u306f\u3001\u30dc\u30ea\u30e5\u30fc\u30e0\u30d9\u30fc\u30b9\u306e\u3082\u306e\u3067\u3042\u308b\u3068\u3044\u3046\u4e8b\u5b9f\u306b\u57fa\u3065\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3067\u3059\u304b\u3089\u3001\u6570\u91cf\u304c\u3082\u3046\u5c11\u3057\u5897\u3048\u308c\u3070\u3001\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306b\u95a2\u4fc2\u3057\u306a\u3044\u30aa\u30da\u30c3\u30af\u30b9\u3092\u5897\u3084\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3068\u306f\u3044\u3048\u3001\u79c1\u305f\u3061\u306e\u53d6\u308a\u7d44\u307f\u306b\u306f\u307e\u3060\u307e\u3060\u4f59\u5730\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002 \u6628\u5e74\u306f\u3001\u975e\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u95a2\u9023\u306e\u30aa\u30da\u30c3\u30af\u30b9\u304c20%\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u30012020\u5e74\u306b2019\u5e74\u6bd4\u3067\u7d0417\uff05\u6210\u9577\u3057\u305f\u3053\u3068\u306b\u52a0\u3048\u3066\u306e\u3053\u3068\u3067\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u4eca\u5e74\u306f2019\u5e74\u3088\u308a\u3082\u975e\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u95a2\u9023\u306eOPEX\u30d0\u30b1\u30c3\u30c8\u306b\u7d0425\u5104\u30c9\u30eb\u591a\u304f\u8cbb\u3084\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u305d\u3057\u3066\u3001\u79c1\u305f\u3061\u306f\u3001\u3088\u308a\u751f\u7523\u7684\u306b\u306a\u308a\u3001\u305d\u3053\u3067\u3088\u308a\u591a\u304f\u306e\u7bc0\u7d04\u3092\u63a8\u9032\u3059\u308b\u6a5f\u4f1a\u304c\u3042\u308b\u3068\u898b\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u4eca\u5e74\u306f\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u8cbb\u7528\u304c\u6e1b\u5c11\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u304a\u308f\u304b\u308a\u3044\u305f\u3060\u3051\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u7b2c2\u56db\u534a\u671f\u306b\u305d\u308c\u3088\u308a\u3082\u5927\u5e45\u306b\u6e1b\u5c11\u3057\u305f\u5f8c\u3001\u7b2c3\u56db\u534a\u671f\u306b\u518d\u3073\u7d041\uff05\u6e1b\u5c11\u3057\u307e\u3057\u305f\u3002\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306b\u95a2\u9023\u3057\u306a\u3044\u30aa\u30da\u30c3\u30af\u30b9\u306e\u6210\u9577\u7387\u306f1\u6841\u53f0\u524d\u534a\u3067\u4eca\u5e74\u3092\u7d42\u3048\u308b\u3053\u3068\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u6765\u5e74\u306f\u3082\u3063\u3068\u826f\u304f\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u524d\u5e74\u540c\u671f\u6bd4\u3067\u6e1b\u5c11\u3057\u306a\u3044\u307e\u3067\u3082\u3001\u307b\u307c\u6a2a\u3070\u3044\u306b\u306a\u308b\u306e\u3067\u306f\u306a\u3044\u304b\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u4f4e\u6210\u9577\u74b0\u5883\u3067\u3042\u3063\u3066\u3082\u3001\u55b6\u696d\u5229\u76ca\u7387\u306e\u62e1\u5927\u3092\u7d99\u7d9a\u7684\u306b\u63a8\u9032\u3067\u304d\u308b\u6a5f\u4f1a\u3092\u63a2\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u79c1\u305f\u3061\u304c\u898b\u51fa\u3057\u3066\u3044\u308b\u30b3\u30b9\u30c8\u524a\u6e1b\u306f\u3001\u672c\u5f53\u306b\u6301\u7d9a\u53ef\u80fd\u306a\u3082\u306e\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u751f\u7523\u6027\u306e\u5411\u4e0a\u3068\u898f\u6a21\u306e\u62e1\u5927\u3092\u56f3\u308b\u3053\u3068\u3067\u3001\u3088\u308a\u5927\u304d\u306a\u52b9\u679c\u304c\u671f\u5f85\u3067\u304d\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u3053\u306e\u3088\u3046\u306a\u74b0\u5883\u304b\u3089\u3088\u308a\u5f37\u304f\u751f\u307e\u308c\u5909\u308f\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n

Tien-Tsin Huang — J.P.\u30e2\u30eb\u30ac\u30f3 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u3044\u3044\u3048\u3001\u3059\u3079\u3066\u5f79\u306b\u7acb\u3061\u307e\u3059\u3002\u305d\u3057\u3066\u3001CAGR\u3092\u542b\u3080\u30b9\u30e9\u30a4\u30c96\u3092\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u305d\u308c\u306f\u7d20\u6674\u3089\u3057\u3044\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u60c5\u5831\u958b\u793a\u3068\u3044\u3046\u70b9\u3067\u306f\u3001\u3053\u308c\u306f1\u56de\u304d\u308a\u3067\u3001\u79c1\u306f\u98db\u3073\u964d\u308a\u308b\u3053\u3068\u306b\u306a\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n

\u30ac\u30d6\u30b9\u30fb\u30e9\u30d3\u30ce\u30d3\u30c3\u30c1 — \u4e0a\u5e2d\u526f\u793e\u9577\u517c\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\u4ee3\u884c<\/p>\n

\u4eca\u5f8c\u3082\u6700\u65b0\u60c5\u5831\u3092\u63d0\u4f9b\u3057\u7d9a\u3051\u307e\u3059\u3002\u56db\u534a\u671f\u3054\u3068\u306b\u884c\u3046\u3053\u3068\u3092\u7d04\u675f\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001TPV\u306e\u30df\u30c3\u30af\u30b9\u306b\u3064\u3044\u3066\u306f\u3001\u4e8b\u696d\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u7406\u89e3\u3059\u308b\u4e0a\u3067\u975e\u5e38\u306b\u91cd\u8981\u3067\u3059\u306e\u3067\u3001\u5f15\u304d\u7d9a\u304d\u66f4\u65b0\u3057\u3066\u3044\u304d\u307e\u3059\u3002\u6b21\u306e\u8cea\u554f\u3092\u304a\u53d7\u3051\u3057\u307e\u3059\u3002<\/p>\n

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

\u6700\u5f8c\u306bEvercore ISI\u306eDavid Togut\u304b\u30891\u554f\u304a\u53d7\u3051\u3057\u307e\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n

David Togut — Evercore ISI — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u6642\u9593\u3092\u5272\u3044\u3066\u3044\u305f\u3060\u304d\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u4eca\u65e5\u306e\u30a2\u30c3\u30d7\u30eb\u3068\u306e\u767a\u8868\u3084\u3001\u5148\u65e5\u306e\u7c73\u56fd\u3067\u306e\u30da\u30a4\u30d1\u30eb\u30fb\u30bc\u30c3\u30c8\u30eb\u7aef\u672b\u306e\u5c55\u958b\u3001\u305d\u3057\u3066\u3082\u3061\u308d\u3093BNPL\u88fd\u54c1\u306e\u7d99\u7d9a\u7684\u306a\u62e1\u5927\u306a\u3069\u3001\u6570\u3005\u306e\u65b0\u3057\u3044\u30aa\u30e0\u30cb\u30c1\u30e3\u30cd\u30eb\u69cb\u60f3\u3092\u767a\u8868\u3055\u308c\u3066\u3044\u307e\u3059\u306d\u3002\u3053\u306e\u3088\u3046\u306a\u30aa\u30e0\u30cb\u30c1\u30e3\u30cd\u30eb\u306e\u53d6\u308a\u7d44\u307f\u304c\u3001\u5c06\u6765\u7684\u306b\u3069\u306e\u3088\u3046\u306a\u53ce\u76ca\u3092\u3082\u305f\u3089\u3059\u306e\u304b\u3001\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u307e\u305f\u3001\u30aa\u30e0\u30cb\u30c1\u30e3\u30cd\u30eb\u306e\u62e1\u5927\u306b\u4f34\u3046\u30b3\u30b9\u30c8\u306b\u3064\u3044\u3066\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u307e\u305f\u3001\u30aa\u30e0\u30cb\u30c1\u30e3\u30cd\u30eb\u3092\u62e1\u5927\u3059\u308b\u3053\u3068\u3067\u3001\u30b3\u30b9\u30c8\u524a\u6e1b\u306e\u305f\u3081\u306e\u6295\u8cc7\u8cc7\u91d1\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u304a\u3063\u3057\u3083\u3044\u307e\u3057\u305f\u304c\u3001\u305d\u306e\u70b9\u306b\u3064\u3044\u3066\u3082\u304a\u805e\u304b\u305b\u304f\u3060\u3055\u3044\u3002<\/p>\n

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

\u30c0\u30f3\u30fb\u30b7\u30e5\u30eb\u30de\u30f3 — \u30d7\u30ec\u30b8\u30c7\u30f3\u30c8\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u306f\u3044\u3001\u305d\u306e\u70b9\u304b\u3089\u304a\u8a71\u3057\u3057\u307e\u3059\u3002BNPL\u306f\u5f53\u793e\u306e\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u6226\u7565\u306b\u3068\u3063\u3066\u4e0d\u53ef\u6b20\u306a\u8981\u7d20\u3067\u3059\u3002\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u3067\u306f\u306a\u304f\u3001\u5546\u54c1\u30da\u30fc\u30b8\u306b\u5f53\u793e\u3092\u8868\u793a\u3059\u308b\u3053\u3068\u3067\u3001\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u306b\u304a\u3051\u308b\u5f53\u793e\u306e\u30b7\u30a7\u30a2\u304c\u5927\u5e45\u306b\u5411\u4e0a\u3059\u308b\u3053\u3068\u304c\u5206\u304b\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u305d\u3057\u3066\u3001\u3054\u89a7\u306e\u3068\u304a\u308a\u3001\u305d\u3057\u3066\u79c1\u306e\u8a71\u3092\u805e\u3044\u3066\u3044\u305f\u3060\u3044\u305f\u3068\u304a\u308a\u3001\u305d\u306e\u30b7\u30a7\u30a2\u306f\u98db\u8e8d\u7684\u306b\u4f38\u3073\u3066\u3044\u307e\u3059\u3002\u4e0a\u6d41\u5de5\u7a0b\u3067\u306e\u30d7\u30ec\u30bc\u30f3\u4ef6\u6570\u306f30\u4e07\u4ef6\u306b\u8fd1\u3065\u3044\u3066\u3044\u307e\u3059\u3002\u767a\u58f2\u304b\u30892\u5e74\u5f8c\u306b\u306f\u3001\u3069\u306e\u5e02\u5834\u3067\u3082\u30c8\u30c3\u30d7\u30af\u30e9\u30b9\u306e\u30d7\u30ec\u30a4\u30e4\u30fc\u306b\u306a\u308a\u30011\u51045000\u4e07\u4ef6\u306e\u878d\u8cc7\u3092220\u4e07\u4ee5\u4e0a\u306e\u30e6\u30cb\u30fc\u30af\u306a\u52a0\u76df\u5e97\u3067\u884c\u3063\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u79c1\u306e\u539f\u7a3f\u306b\u306f\u66f8\u304d\u307e\u305b\u3093\u3067\u3057\u305f\u304c\u300120%\u4ee5\u4e0a\u306e\u30cf\u30ed\u30fc\u30fb\u30b9\u30da\u30f3\u30b9\u3092\u751f\u307f\u51fa\u3057\u3001\u305d\u306e\u3046\u3061\u306e90%\u4ee5\u4e0a\u306f\u5f53\u793e\u306e\u5897\u984d\u5206\u3067\u3059\u3002<\/p>\n

\u3053\u306e\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306f\u512a\u308c\u305f\u4fa1\u5024\u63d0\u6848\u3092\u6301\u3063\u3066\u3044\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u304a\u5ba2\u69d8\u3092\u77e5\u308b\u3068\u3044\u3046\u70b9\u3067\u3001\u771f\u306e\u7af6\u4e89\u512a\u4f4d\u6027\u3092\u6301\u3063\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u4eca\u3059\u3050\u8cb7\u3063\u3066\u5f8c\u3067\u6255\u3046\u3068\u3044\u3046\u30b5\u30fc\u30d3\u30b9\u3092\u5229\u7528\u3059\u308b\u4eba\u306e90%\u306f\u3001\u79c1\u305f\u3061\u304c\u5c65\u6b74\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u5f53\u793e\u306e\u640d\u5931\u7387\u306f\u4f4e\u304f\u3001\u5b89\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002\u4eca\u65e5\u3001\u79c1\u305f\u3061\u306f8\u3064\u306e\u30de\u30fc\u30b1\u30c3\u30c8\u3067\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30ea\u30b5\u304c\u8cea\u554f\u3057\u305f\u3068\u304d\u306b\u3082\u8a00\u3044\u307e\u3057\u305f\u304c\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u3082\u5e97\u8217\u3067\u3082\u3001\u8cb7\u3044\u305f\u3044\u5834\u6240\u3067\u4eca\u3059\u3050\u8cfc\u5165\u3001\u5f8c\u6255\u3044\u3067\u304d\u308b\u3053\u3068\u306f\u3001\u4eca\u3059\u3050\u8cfc\u5165\u3001\u5f8c\u6255\u3044\u306e\u9032\u5316\u306b\u3068\u3063\u3066\u975e\u5e38\u306b\u30a8\u30ad\u30b5\u30a4\u30c6\u30a3\u30f3\u30b0\u306a\u3053\u3068\u3067\u3059\u3002\u30d6\u30e9\u30f3\u30c9\u306e\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3001PayPal \u3084 Venmo \u30d6\u30e9\u30f3\u30c9\u306e\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3092 Apple Pay \u306b\u5165\u308c\u308c\u3070\u3001\u5e97\u8217\u306b\u884c\u304f\u4eba\u306e\u305f\u3081\u306b\u30c7\u30b8\u30bf\u30eb\u7248\u306e\u4eca\u3059\u3050\u8cfc\u5165\u3001\u5f8c\u6255\u3044\u3082\u63d0\u4f9b\u3067\u304d\u3001\u5e97\u8217\u3067\u5f53\u793e\u306e\u4eca\u3059\u3050\u8cfc\u5165\u3001\u5f8c\u6255\u3044\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u4f7f\u3063\u3066\u652f\u6255\u3044\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u5e97\u8217\u3067\u91cd\u8981\u306a\u5f79\u5272\u3092\u62c5\u3063\u3066\u3044\u308b\u30ab\u30fc\u30c9\u6226\u7565\u3068\u3082\u9023\u643a\u3057\u3066\u3044\u307e\u3059\u3002QR\u3092\u591a\u7528\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u30ab\u30fc\u30c9\u3092\u591a\u7528\u3059\u308b\u65b9\u5411\u3067\u9032\u3081\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u5e97\u982d\u3067\u652f\u6255\u3044\u3092\u6e08\u307e\u305b\u305f\u5f8c\u3001PayPal\u306e\u30a2\u30d7\u30ea\u306b\u623b\u308a\u3001\u300c\u3088\u3057\u3001\u3053\u308c\u306f\u652f\u6255\u3063\u305f\u305e\u300d\u3068\u5224\u65ad\u3059\u308b\u3053\u3068\u3092\u60f3\u50cf\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n

\u3057\u304b\u3057\u3001\u4eca\u5ea6\u306f4\u56de\u306b\u5206\u3051\u3066\u652f\u6255\u3046\u304b\u3001\u30ea\u30ef\u30fc\u30c9\u3084\u4e0d\u63db\u7d19\u5e63\u3067\u652f\u6255\u3044\u3092\u5206\u3051\u305f\u3044\u3068\u601d\u3046\u3067\u3057\u3087\u3046\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306f\u3001\u4eca\u3059\u3050\u8cfc\u5165\u3057\u3001\u5f8c\u3067\u652f\u6255\u3046\u3068\u3044\u3046\u5b8c\u5168\u306a\u30aa\u30e0\u30cb\u6a5f\u80fd\u3092\u5b9f\u73fe\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u3063\u3066\u3001\u5c06\u6765\u7684\u306b\u5927\u304d\u306a\u53ef\u80fd\u6027\u304c\u958b\u3051\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u30c7\u30a4\u30d3\u30c3\u30c9\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u307e\u305f\u3001\u304a\u6642\u9593\u3092\u5272\u3044\u3066\u3044\u305f\u3060\u3044\u305f\u7686\u3055\u307e\u3001\u3059\u3070\u3089\u3057\u3044\u3054\u8cea\u554f\u3092\u3044\u305f\u3060\u3044\u305f\u7686\u3055\u307e\u306b\u611f\u8b1d\u3044\u305f\u3057\u307e\u3059\u3002\u307e\u305f\u3001\u8fd1\u3044\u3046\u3061\u306b\u7686\u3055\u3093\u3068\u304a\u8a71\u3067\u304d\u308b\u3053\u3068\u3092\u697d\u3057\u307f\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u304a\u6642\u9593\u3092\u3044\u305f\u3060\u304d\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u304a\u5143\u6c17\u3067\u3001\u305d\u3057\u3066\u3001\u3055\u3088\u3046\u306a\u3089\u3002<\/p>\n

 <\/p>\n

\u4ee5\u4e0a\u3067\u3059\u3002\u4ed6\u306e\u7ffb\u8a33\u5e0c\u671b\u3084\u3054\u611f\u60f3\u3092\u3044\u305f\u3060\u3051\u308b\u3068\u5b09\u3057\u3044\u3067\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":"

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