{"id":2185,"date":"2022-11-15T21:38:55","date_gmt":"2022-11-15T12:38:55","guid":{"rendered":"https:\/\/1up-life.blog\/?p=2185"},"modified":"2022-11-15T21:38:55","modified_gmt":"2022-11-15T12:38:55","slug":"%e3%83%9e%e3%83%ab%e3%82%b1%e3%82%bfmq2022%e5%b9%b4%e7%ac%ac3%e5%9b%9b%e5%8d%8a%e6%9c%9f%e6%b1%ba%e7%ae%97","status":"publish","type":"post","link":"https:\/\/1up-life.blog\/?p=2185","title":{"rendered":"\u30de\u30eb\u30b1\u30bf(MQ)2022\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97"},"content":{"rendered":"<p>\u30de\u30eb\u30b1\u30bf(MQ)2022\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002<\/p>\n<p>EPS\u304c\u3088\u304f\u306a\u3044\u3067\u3059\u306d\u3002IPO\u6642\u306f\u6ce8\u76ee\u3055\u308c\u3066\u307e\u3057\u305f\u3051\u3069\u4eca\u3067\u306f\u682a\u4fa1\u306f\u898b\u308b\u5f71\u3082\u306a\u3044\u3050\u3089\u3044\u843d\u3061\u3066\u3057\u307e\u3063\u3066\u307e\u3059\u3002\u3082\u3046\u5c11\u3057\u826f\u3044\u6c7a\u7b97\u3092\u671f\u5f85\u3057\u305f\u3044\u3067\u3059\u306d\u3002<\/p>\n<p>\u58f2\u308a\u4e0a\u3052\u6210\u9577\u3082\u7269\u8db3\u308a\u306a\u3044\u306e\u3067\u5b89\u304f\u306f\u898b\u3048\u307e\u3059\u304c\u671f\u5f85\u3057\u3066\u305f\u307b\u3069\u306f\u826f\u304f\u306a\u3044\u306e\u3067\u4eca\u306e\u3068\u3053\u308d\u8cfc\u5165\u306f\u3057\u306a\u3044\u4e88\u5b9a\u3067\u3059\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-2188 size-full\" src=\"https:\/\/1up-life.blog\/wp-content\/uploads\/2022\/11\/MQ_2022-11-15_21-33-59.png\" alt=\"\u30de\u30eb\u30b1\u30bf(MQ)\u682a\u4fa1\" width=\"1476\" height=\"816\" srcset=\"https:\/\/1up-life.blog\/wp-content\/uploads\/2022\/11\/MQ_2022-11-15_21-33-59.png 1476w, https:\/\/1up-life.blog\/wp-content\/uploads\/2022\/11\/MQ_2022-11-15_21-33-59-300x166.png 300w, https:\/\/1up-life.blog\/wp-content\/uploads\/2022\/11\/MQ_2022-11-15_21-33-59-1024x566.png 1024w, https:\/\/1up-life.blog\/wp-content\/uploads\/2022\/11\/MQ_2022-11-15_21-33-59-768x425.png 768w, https:\/\/1up-life.blog\/wp-content\/uploads\/2022\/11\/MQ_2022-11-15_21-33-59-940x520.png 940w\" sizes=\"auto, (max-width: 1476px) 100vw, 1476px\" \/><\/p>\n<p>\u30de\u30eb\u30b1\u30bf(MQ)\u682a\u4fa1<\/p>\n<p>&nbsp;<\/p>\n<p class=\"hh hh3 main-bdr\"><span class=\"big\"><strong>\u30de\u30eb\u30b1\u30bf(MQ)2022\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97<\/strong><\/span><\/p>\n<p>Call participants:<br \/>\nStacey Finerman &#8212; Vice President, Investor Relations<br \/>\nJason Gardner &#8212; Founder and Chief Executive Officer<br \/>\nMike Milotich &#8212; Chief Financial Officer<br \/>\nTien-Tsin Huang &#8212; JPMorgan Chase and Company &#8212; Analyst<br \/>\nDarrin Peller &#8212; Wolfe Research &#8212; Analyst<br \/>\nTimothy Chiodo &#8212; Credit Suisse &#8212; Analyst<br \/>\nRamsey El-Assal &#8212; Barclays &#8212; Analyst<br \/>\nJames Faucette &#8212; Morgan Stanley &#8212; Analyst<br \/>\nAshwin Shirvaikar &#8212; Citi &#8212; Analyst<br \/>\nRayna Kumar &#8212; UBS &#8212; Analyst<br \/>\nJosh Beck &#8212; KeyBanc Capital Markets &#8212; Analyst<br \/>\nMichael Ng &#8212; Goldman Sachs &#8212; Analyst<br \/>\nAndrew Bauch &#8212; SMBC Nikko Securities &#8212; Analyst<br \/>\nBob Napoli &#8212; William Blair and Company &#8212; Analyst<br \/>\nMore MQ analysis<\/p>\n<p>2022\u5e7411\u670809\u65e5\u5348\u5f8c4\u664230\u5206\uff08\u7c73\u56fd\u6771\u90e8\u6642\u9593\uff09<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3053\u3093\u306b\u3061\u306f\u3001\u3054\u5217\u5e2d\u306e\u7686\u69d8\u3001\u304a\u5f85\u305f\u305b\u3044\u305f\u3057\u307e\u3057\u305f\u3002Marqeta\u306e2022\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u30ab\u30f3\u30d5\u30a1\u30ec\u30f3\u30b9\u30b3\u30fc\u30eb\u3078\u3088\u3046\u3053\u305d\u3002\u5ff5\u306e\u305f\u3081\u7533\u3057\u4e0a\u3052\u3066\u304a\u304d\u307e\u3059\u304c\u3001\u3053\u306e\u96fb\u8a71\u4f1a\u8b70\u306f\u9332\u97f3\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u3067\u306f\u3001IR\u62c5\u5f53\u526f\u793e\u9577\u306e\u30b9\u30c6\u30a4\u30b7\u30fc\u30fb\u30d5\u30a3\u30ca\u30fc\u30de\u30f3\u306b\u4f1a\u8b70\u3092\u5f15\u304d\u7d99\u304e\u3001\u958b\u59cb\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>\u30b9\u30c6\u30a4\u30b7\u30fc\u30fb\u30d5\u30a3\u30ca\u30de\u30f3 &#8212; \u30a4\u30f3\u30d9\u30b9\u30bf\u30fc\u30fb\u30ea\u30ec\u30fc\u30b7\u30e7\u30f3\u30ba\u62c5\u5f53\u526f\u793e\u9577<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u672c\u65e5\u306e\u96fb\u8a71\u4f1a\u8b70\u306b\u306f\u3001\u5c06\u6765\u306e\u898b\u901a\u3057\u306b\u95a2\u3059\u308b\u8a18\u8ff0\u304c\u542b\u307e\u308c\u3066\u3044\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3053\u3068\u3092\u3001\u59cb\u3081\u308b\u524d\u306b\u7686\u69d8\u306b\u304a\u4f1d\u3048\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u5c06\u6765\u4e88\u60f3\u306b\u95a2\u3059\u308b\u8a18\u8ff0\u306f\u30012021\u5e7412\u670831\u65e5\u7d42\u4e86\u306e\u671f\u9593\u306b\u95a2\u3059\u308b\u30d5\u30a9\u30fc\u30e010-K\u306b\u3088\u308b\u5e74\u6b21\u5831\u544a\u66f8\u304a\u3088\u3073\u305d\u306e\u5f8c\u306eSEC\u3078\u306e\u5b9a\u671f\u7684\u306a\u63d0\u51fa\u7269\u3092\u542b\u3080\u3001\u5f53\u793e\u306eIR\u30a6\u30a7\u30d6\u30b5\u30a4\u30c8\u3067\u516c\u958b\u3055\u308c\u3066\u3044\u308bSEC\u3078\u306e\u63d0\u51fa\u7269\u306b\u8a18\u8f09\u3055\u308c\u3066\u3044\u308b\u3082\u306e\u3092\u542b\u3080\u591a\u304f\u306e\u30ea\u30b9\u30af\u3068\u4e0d\u78ba\u5b9f\u6027\u3092\u4f34\u3044\u307e\u3059\u3002\u5b9f\u969b\u306e\u7d50\u679c\u306f\u3001\u5f53\u793e\u304c\u672c\u65e5\u767a\u8868\u3057\u305f\u5c06\u6765\u4e88\u60f3\u306b\u95a2\u3059\u308b\u8a18\u8ff0\u3068\u306f\u5927\u304d\u304f\u7570\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u3089\u306e\u5c06\u6765\u4e88\u60f3\u306b\u95a2\u3059\u308b\u8a18\u8ff0\u306f\u3001\u672c\u901a\u8a71\u6642\u70b9\u306e\u3082\u306e\u3067\u3042\u308a\u3001\u5f53\u793e\u306f\u3001\u6cd5\u5f8b\u3067\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u3044\u308b\u5834\u5408\u3092\u9664\u304d\u3001\u3053\u308c\u3089\u3092\u66f4\u65b0\u3059\u308b\u7fa9\u52d9\u3084\u610f\u56f3\u3092\u8ca0\u3046\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u672c\u65e5\u306e\u8b1b\u6f14\u306b\u306f\u3001\u975eGAAP\u30d9\u30fc\u30b9\u306e\u8ca1\u52d9\u6307\u6a19\u304c\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u6307\u6a19\u306f\u3001GAAP\u306b\u57fa\u3065\u304f\u8ca1\u52d9\u6307\u6a19\u306e\u88dc\u8db3\u3068\u3057\u3066\u8003\u616e\u3055\u308c\u308b\u3079\u304d\u3082\u306e\u3067\u3042\u308a\u3001\u4ee3\u7528\u3055\u308c\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6700\u3082\u76f4\u63a5\u7684\u306b\u6bd4\u8f03\u3067\u304d\u308bGAAP\u30d9\u30fc\u30b9\u306e\u6307\u6a19\u3068\u306e\u8abf\u6574\u306f\u3001\u672c\u65e5\u306e\u6c7a\u7b97\u30d7\u30ec\u30b9\u30ea\u30ea\u30fc\u30b9\u307e\u305f\u306f\u6c7a\u7b97\u88dc\u8db3\u8cc7\u6599\u306b\u8a18\u8f09\u3055\u308c\u3066\u304a\u308a\u3001\u305d\u308c\u3089\u306f\u5f53\u793e\u306e\u6295\u8cc7\u5bb6\u5411\u3051\u30a6\u30a7\u30d6\u30b5\u30a4\u30c8\u306b\u3066\u5165\u624b\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u672c\u65e5\u306e\u96fb\u8a71\u306f\u3001Marqeta\u306e\u5275\u696d\u8005\u517cCEO\u306eJason Gardner\u3068\u3001Marqeta\u306e\u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005\u306eMike Milotich\u304c\u30db\u30b9\u30c8\u3092\u52d9\u3081\u307e\u3059\u3002\u305d\u308c\u3067\u306f\u3001\u30b8\u30a7\u30a4\u30bd\u30f3\u306e\u307b\u3046\u304b\u3089\u96fb\u8a71\u3092\u59cb\u3081\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc\uff08Jason Gardner\uff09 &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3001\u30b9\u30c6\u30a4\u30b7\u30fc\u3002\u7686\u3055\u3093\u3053\u3093\u306b\u3061\u306f\u3001Marqeta\u306e2022\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306b\u3054\u53c2\u52a0\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u307e\u305a\u306f\u3001\u5f53\u56db\u534a\u671f\u306e\u696d\u7e3e\u306b\u3064\u3044\u3066\u7c21\u5358\u306b\u3054\u8aac\u660e\u3057\u307e\u3059\u3002\u5f53\u56db\u534a\u671f\u306e\u7dcf\u51e6\u7406\u91cf\u3001\u3064\u307e\u308aTPV\u306f420\u5104\u30c9\u30eb\u3067\u3001\u524d\u5e74\u540c\u671f\u6bd454%\u5897\u3068\u306a\u308a\u3001\u4eca\u5e74\u4e0a\u534a\u671f\u306b\u898b\u3089\u308c\u305f\u6210\u9577\u7387\u3092\u7d99\u7d9a\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>2022\u5e741\uff5e9\u6708\u306eTPV\u306f1,200\u5104\u30c9\u30eb\u3067\u30012021\u5e74\u5ea6\u5168\u4f53\u306eTPV\u3067\u3042\u308b1,110\u5104\u30c9\u30eb\u3092\u4e0a\u56de\u308a\u307e\u3057\u305f\u3002\u5f53\u56db\u534a\u671f\u306e\u7d14\u53ce\u76ca\u306f1\u51049,200\u4e07\u30c9\u30eb\u3067\u3001\u524d\u5e74\u5ea6\u6bd446\uff05\u5897\u3068\u306a\u308a\u307e\u3057\u305f\u3002Managed by\u3068Powered by Marqeta\u306e\u4e21\u9867\u5ba2\u306b\u304a\u3044\u3066\u3001\u8907\u6570\u306e\u696d\u7a2e\u306b\u308f\u305f\u3063\u3066\u529b\u5f37\u3044\u6210\u9577\u304c\u898b\u3089\u308c\u3001\u7279\u306b\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u3068\u7d4c\u8cbb\u7ba1\u7406\u3067\u9855\u8457\u306a\u4f38\u3073\u3092\u793a\u3057\u307e\u3057\u305f\u3002\u30d6\u30ed\u30c3\u30af\u304c\u7d14\u53ce\u5165\u306e72.5%\u3092\u5360\u3081\u3001\u7b2c2\u56db\u534a\u671f\u306e69%\u304b\u3089\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u3001Cash App\u30ab\u30fc\u30c9\u304c\u5f15\u304d\u7d9a\u304d\u30a2\u30af\u30c6\u30a3\u30d6\u30e6\u30fc\u30b6\u30fc\u3092\u5897\u3084\u3057\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u4e0a\u3067\u306e\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u3092\u4fc3\u9032\u3057\u3066\u3044\u308b\u305f\u3081\u3067\u3059\u3002<\/p>\n<p>\u5177\u4f53\u7684\u306b\u306f\u3001Cash App\u30ab\u30fc\u30c9\u3082\u6301\u3063\u3066\u3044\u308bCash App\u30e6\u30fc\u30b6\u30fc\u306f\u3001\u5e74\u672b\u306e31%\u304b\u3089\u5f53\u56db\u534a\u671f\u306b\u306f35%\u306b\u5897\u3048\u307e\u3057\u305f\u3002\u307e\u305f\u30019\u6708\u306b\u306f20\u5104\u30c9\u30eb\u306e\u76f4\u63a5\u9810\u91d1\u304c\u6d41\u5165\u3057\u3001\u524d\u5e74\u540c\u671f\u6bd465%\u5897\u3068\u306a\u308a\u3001\u30ab\u30fc\u30c9\u652f\u51fa\u306e\u4fc3\u9032\u306b\u3064\u306a\u304c\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306f\u3044\u305a\u308c\u3082Marqeta\u304cCash 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\u5206\u91ce\u3067\u306e\u9769\u65b0\u7684\u306a\u5b9f\u7e3e\u3092\u3001\u5f15\u304d\u7d9a\u304d\u7a4d\u307f\u91cd\u306d\u3066\u3044\u304d\u307e\u3059\u3002\u6700\u8fd1\u3001\u30a4\u30bf\u30ea\u30a2\u521d\u306e\u30e6\u30cb\u30b3\u30fc\u30f3\u4f01\u696d\u3067\u3042\u308bScalapay\u3068\u5951\u7d04\u3092\u7d50\u3073\u307e\u3057\u305f\u3002<\/p>\n<p>\u540c\u793e\u306f\u5357\u30e8\u30fc\u30ed\u30c3\u30d1\u3067\u6709\u6570\u306eBNPL\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3067\u3001\u30b5\u30fc\u30d3\u30b9\u306e\u8fd1\u4ee3\u5316\u3068\u7c21\u7d20\u5316\u306e\u305f\u3081\u306bMarqeta\u306e\u5c02\u9580\u77e5\u8b58\u3092\u6c42\u3081\u3066\u3044\u307e\u3057\u305f\u3002\u4ee5\u524d\u306f\u3001\u52a0\u76df\u5e97\u304cScalapay\u306e\u4f7f\u7528\u65b9\u6cd5\u306b\u3064\u3044\u3066\u30c8\u30ec\u30fc\u30cb\u30f3\u30b0\u3092\u53d7\u3051\u3001\u9867\u5ba2\u304c\u305d\u306e\u5834\u3067\u65b0\u3057\u3044\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u3092\u8a2d\u5b9a\u3057\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u304c\u3001Marqeta\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306b\u3088\u308a\u3001Scalapay\u306f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u62e1\u5927\u3057\u3001\u9867\u5ba2\u304c1\u56de\u9650\u308a\u306e\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\u3092\u4f7f\u7528\u3057\u3066\u652f\u6255\u3046\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u6700\u8fd1\u3001\u5f53\u793e\u306e\u9577\u5e74\u306e\u9867\u5ba2\u306e\u4e00\u3064\u3067\u3042\u308bAffirm\u793e\u3068\u30ab\u30ca\u30c0\u3067\u306e\u62e1\u5f35\u5951\u7d04\u3092\u7de0\u7d50\u3057\u307e\u3057\u305f\u3002\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u306e\u6a5f\u4f1a\u3092\u6700\u5927\u5316\u3059\u308b\u305f\u3081\u306b\u3001\u5f53\u793e\u306f\u3001\u304a\u5ba2\u69d8\u304c\u30e2\u30b8\u30e5\u30fc\u30eb\u5f0f\u3067\u5229\u7528\u3067\u304d\u308b\u4e3b\u8981\u306a\u9280\u884c\u30b5\u30fc\u30d3\u30b9\u3001Marqeta for Banking\u3001\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u6a5f\u80fd\u306e\u5927\u5e45\u306a\u62e1\u5927\u3092\u610f\u5473\u3059\u308b\u9280\u884c\u88fd\u54c1\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u62e1\u5927\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>Marqeta for Banking\u306f\u3001\u5f53\u793e\u306e\u9867\u5ba2\u3084\u898b\u8fbc\u307f\u5ba2\u304c\u9769\u65b0\u7684\u306a\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u6a5f\u80fd\u3068\u30ab\u30fc\u30c9\u63d0\u4f9b\u306e\u5305\u62ec\u7684\u30d1\u30c3\u30b1\u30fc\u30b8\u3092\u63d0\u4f9b\u3057\u3088\u3046\u3068\u3059\u308b\u4e2d\u3067\u3001\u5f53\u793e\u306e\u6700\u65b0\u306e\u30ab\u30fc\u30c9\u767a\u884c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u304b\u3089\u306e\u81ea\u7136\u306a\u9032\u5316\u3068\u8a00\u3048\u307e\u3059\u3002Marqeta for Banking\u306f\u3001Marqeta\u306e\u9280\u884c\u30d1\u30fc\u30c8\u30ca\u30fc\u3092\u901a\u3058\u3066\u3001\u8981\u6c42\u6255\u3044\u9810\u91d1\u53e3\u5ea7\u3001\u30a2\u30fc\u30ea\u30fc\u30da\u30a4\u4ed8\u304d\u53e3\u5ea7\u632f\u66ff\u3001ACH\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30ed\u30fc\u30c9\u3001\u624b\u6570\u6599\u7121\u6599ATM\u3001\u30d3\u30eb\u30da\u30a4\u3001\u5373\u6642\u5165\u91d1\u6a5f\u80fd\u306a\u3069\u306e\u9280\u884c\u53e3\u5ea7\u304a\u3088\u3073\u8cc7\u91d1\u79fb\u52d5\u6a5f\u80fd\u306e\u30b9\u30a4\u30fc\u30c8\u3092\u9867\u5ba2\u306b\u63d0\u4f9b\u3057\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u30b5\u30fc\u30d3\u30b9\u306f\u30e2\u30b8\u30e5\u30fc\u30eb\u5f0f\u3067\u3042\u308b\u305f\u3081\u3001\u304a\u5ba2\u69d8\u306f\u81ea\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u6700\u9069\u306a\u6a5f\u80fd\u3092\u9078\u629e\u3057\u3001\u305d\u308c\u3089\u306e\u30d3\u30eb\u30c7\u30a3\u30f3\u30b0\u30d6\u30ed\u30c3\u30af\u3092\u7c21\u5358\u306b\u81ea\u793e\u306e\u88fd\u54c1\u306b\u7d44\u307f\u8fbc\u3080\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u5f53\u793e\u306e\u9769\u65b0\u7684\u306a\u88fd\u54c1\u306f\u6700\u65b0\u306e\u30ab\u30fc\u30c9\u767a\u884c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u308b\u305f\u3081\u3001\u5927\u898f\u6a21\u306b\u904b\u7528\u3055\u308c\u308b\u5f53\u793e\u306e\u6700\u65b0\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u30e6\u30fc\u30b6\u30fc\u4f53\u9a13\u3092\u5b9f\u73fe\u3057\u307e\u3059\u3002<\/p>\n<p>\u4eca\u5f8c\u3082Marqeta for Banking\u306e\u6a5f\u80fd\u3068\u88fd\u54c1\u3092\u8ffd\u52a0\u3067\u30ea\u30ea\u30fc\u30b9\u3057\u3066\u3044\u304f\u4e88\u5b9a\u3067\u3059\u3002\u5f53\u793e\u306e\u6700\u65b0\u306e\u30ab\u30fc\u30c9\u767a\u884c\u88fd\u54c1\u3067\u306f\u3001\u500b\u3005\u306e\u9867\u5ba2\u3084\u53d6\u5f15\u30ec\u30d9\u30eb\u3067\u306e\u610f\u601d\u6c7a\u5b9a\u3092\u53ef\u80fd\u306b\u3059\u308b\u3053\u3068\u3067\u3001\u304d\u3081\u7d30\u304b\u306a\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u304c\u53ef\u80fd\u3067\u3059\u3002\u3053\u306e\u6a5f\u80fd\u306f\u3001ACH\u6c7a\u6e08\u65e5\u3088\u308a\u6700\u59272\u65e5\u65e9\u304f\u3001\u53e3\u5ea7\u4fdd\u6709\u8005\u306b\u7279\u5b9a\u306e\u652f\u6255\u3044\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002Marqeta\u306e\u30a2\u30fc\u30ea\u30fc\u30da\u30a4\u6a5f\u80fd\u306f\u3001\u3069\u306e\u9810\u91d1\u304c\u3053\u306e\u7279\u5178\u306e\u5bfe\u8c61\u3068\u306a\u308b\u304b\u3092\u53d6\u5f15\u3054\u3068\u306b\u6c7a\u5b9a\u3059\u308b\u3053\u3068\u3067\u3001\u304a\u5ba2\u69d8\u306b\u65b0\u3057\u3044\u30ec\u30d9\u30eb\u306e\u5236\u5fa1\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002<\/p>\n<p>\u30af\u30e9\u30b9\u6700\u9ad8\u306e\u30ab\u30fc\u30c9\u767a\u884c\u3068\u30d0\u30f3\u30ad\u30f3\u30b0\u6a5f\u80fd\u3092\u4e26\u884c\u3057\u3066\u6d3b\u7528\u3067\u304d\u308b\u3053\u3068\u306f\u3001\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u3092\u63d0\u4f9b\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u304a\u5ba2\u69d8\u306b\u3068\u3063\u3066\u9b45\u529b\u7684\u306a\u63d0\u6848\u3067\u3059\u3002\u5f53\u793e\u306e\u6700\u65b0\u306e\u30ab\u30fc\u30c9\u767a\u884c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3068Marqeta 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class=\"hh hh6 main-c main-bdr\"><span class=\"big\"><strong>\u8cea\u7591\u5fdc\u7b54<\/strong><\/span><\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u7686\u69d8\u3001\u3053\u306e\u6642\u9593\u5e2f\u306f\u8cea\u7591\u5fdc\u7b54\u3068\u3055\u305b\u3066\u3044\u305f\u3060\u304d\u307e\u3059\u3002[\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u306e\u6307\u793a\u3011 \u7686\u69d8\u3001\u8cea\u554f\u306f\u53c2\u52a0\u8005\u5168\u54e1\u306b\u5bfe\u3057\u30661\u3064\u306b\u7d5e\u3063\u3066\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u8cea\u554f\u306e\u30dd\u30fc\u30ba\u3092\u3068\u308b\u9593\u3001\u5c11\u3005\u304a\u5f85\u3061\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u6700\u521d\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\u3057\u307e\u3059\u3002<\/p>\n<p>Tien-Tsin Huang &#8212; JPMorgan Chase and Company &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3069\u3046\u3082\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u7d30\u304b\u3044\u3068\u3053\u308d\u307e\u3067\u898b\u3066\u3044\u305f\u3060\u3044\u3066\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002Marqeta for Banking\u306b\u3064\u3044\u3066\u304a\u805e\u304d\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3001\u3088\u308d\u3057\u3044\u3067\u3059\u304b\u3001\u30b8\u30a7\u30a4\u30bd\u30f3\u3002\u5546\u696d\u7684\u5fdc\u7528\u306e\u6e96\u5099\u306f\u3069\u306e\u7a0b\u5ea6\u3067\u304d\u3066\u3044\u308b\u306e\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u4e3b\u306bde novo\u306e\u6a5f\u4f1a\u3092\u8ffd\u6c42\u3059\u308b\u3064\u3082\u308a\u3067\u3059\u304b\uff1f\u305d\u308c\u3068\u3082\u3001\u65e2\u5b58\u306e\u30d7\u30ec\u30fc\u30e4\u30fc\u3068\u5354\u50cd\u3059\u308b\u6a5f\u4f1a\u304c\u3042\u308b\u306e\u3067\u3057\u3087\u3046\u304b\u3002\u3069\u308c\u304f\u3089\u3044\u306e\u30b9\u30d4\u30fc\u30c9\u3067\u7acb\u3061\u4e0a\u3052\u3089\u308c\u308b\u304b\u3001\u3088\u308a\u826f\u3044\u611f\u899a\u3092\u5f97\u305f\u3044\u306e\u3067\u3059\u3002<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>Tien-Tsin\u3055\u3093\u3001\u3054\u8cea\u554f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u305d\u306e\u4e21\u65b9\u3067\u3059\u3002Marqeta for Banking\u306f\u3001\u672c\u5f53\u306b\u305f\u3060\u5358\u306b\u3001\u73fe\u4ee3\u306e\u30ab\u30fc\u30c9\u767a\u884c\u306e\u81ea\u7136\u306a\u62e1\u5f35\u3092\u8868\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u3042\u308b\u7a0b\u5ea6\u306f\u3001\u3053\u306e\u4f1a\u793e\u306e\u3088\u3046\u306b\u91d1\u878d\u66f2\u7dda\u306b\u306a\u308b\u4f01\u696d\u304c\u3042\u308b\u3068\u4fe1\u3058\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u904e\u53bb\u306b\u4f55\u5ea6\u3082\u8a00\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u5b9f\u306f\u3053\u308c\u304c\u30a8\u30f3\u30d9\u30c7\u30c3\u30c9\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306e\u6b63\u4f53\u306a\u306e\u3067\u3059\u3002\u3053\u308c\u3089\u306e\u4f01\u696d\u306f\u3001\u30ea\u30c6\u30fc\u30eb\u30c6\u30c3\u30af\u4f01\u696d\u306a\u3069\u306e\u5927\u4f01\u696d\u3067\u3001\u30de\u30cd\u30bf\u30a4\u30ba\u306e\u65b9\u6cd5\u3068\u3057\u3066\u30ab\u30fc\u30c9\u767a\u884c\u3068\u7d71\u5408\u3055\u308c\u305f\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u6c42\u3081\u3001\u3055\u3089\u306b\u7c98\u7740\u6027\u3068\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u3092\u63d0\u4f9b\u3059\u308b\u4ed6\u306e\u30b5\u30fc\u30d3\u30b9\u3082\u6c42\u3081\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u88fd\u54c1\u3084\u6a5f\u80fd\u306b\u5bfe\u3057\u3066\u3001\u79c1\u305f\u3061\u306fMarqeta\u6d41\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u3067\u53d6\u308a\u7d44\u3093\u3067\u304a\u308a\u3001\u305d\u308c\u306f\u30e2\u30b8\u30e5\u30fc\u30eb\u65b9\u5f0f\u3067\u3059\u3002\u304a\u5ba2\u69d8\u306f\u3001\u3054\u81ea\u5206\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u5fc5\u8981\u306a\u30d3\u30eb\u30c7\u30a3\u30f3\u30b0\u30d6\u30ed\u30c3\u30af\u3092\u9078\u3093\u3067\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u3053\u308c\u306f\u79c1\u305f\u3061\u306e\u6700\u65b0\u306e\u30ab\u30fc\u30c9\u767a\u884c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u5ef6\u9577\u7dda\u4e0a\u306b\u3042\u308b\u3082\u306e\u3067\u3059\u3002ACH\u3067\u3042\u308cDDA\u3067\u3042\u308c\u3001\u30ab\u30fc\u30c9\u3067\u306e\u652f\u6255\u3044\u3092\u4fc3\u9032\u3059\u308b\u305f\u3081\u306b\u3001\u57fa\u672c\u7684\u306b\u306f\u30ab\u30fc\u30c9\u306b\u8cc7\u91d1\u3092\u4f9b\u7d66\u3057\u3001\u305d\u306e\u30ab\u30fc\u30c9\u304c\u4f7f\u7528\u3055\u308c\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u3092\u767a\u751f\u3055\u305b\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u6700\u65b0\u306e\u30ab\u30fc\u30c9\u767a\u884c\u3092Banking as a Service\u3068\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u3001\u53d6\u5f15\u30ec\u30d9\u30eb\u3067\u306e\u304d\u3081\u7d30\u304b\u306a\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u53e3\u5ea7\u4fdd\u6709\u8005\u304c\u6700\u59272\u65e5\u65e9\u304f\u7d66\u4e0e\u652f\u6255\u3044\u306b\u30a2\u30af\u30bb\u30b9\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u30a2\u30fc\u30ea\u30fc\u30da\u30a4\u306a\u3069\u306e\u7279\u5225\u306a\u6a5f\u80fd\u3082\u8ffd\u52a0\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u3089\u306e\u6a5f\u80fd\u306f\u3059\u3079\u3066\u3001\u53d6\u5f15\u3054\u3068\u306b\u8a2d\u8a08\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3001\u3069\u306e\u9810\u91d1\u304c\u3053\u306e\u7279\u5178\u306e\u5bfe\u8c61\u3068\u306a\u308b\u304b\u306f\u3001\u53d6\u5f15\u3054\u3068\u306b\u6c7a\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u30d7\u30ed\u30b0\u30e9\u30e0\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u30d7\u30ed\u30b0\u30e9\u30e0\u30fb\u30ec\u30d9\u30eb\u3067\u3042\u308b\u3053\u3068\u304c\u591a\u3044\u306e\u3067\u3059\u3002\u3053\u308c\u304b\u3089\u306f\u3001\u5177\u4f53\u7684\u306b\u30e6\u30fc\u30b6\u30fc\u307e\u3067\u8e0f\u307f\u8fbc\u3093\u3067\u3044\u304f\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u304c\u63d0\u4f9b\u3059\u308b\u4e88\u5b9a\u306e\u6a5f\u80fd\u3084\u7279\u5fb4\u306f\u3001\u307e\u3060\u307e\u3060\u305f\u304f\u3055\u3093\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306f\u7d99\u7d9a\u7684\u306b\u958b\u767a\u3092\u9032\u3081\u3066\u3044\u307e\u3059\u306e\u3067\u3001\u3053\u306e\u4ef6\u306b\u95a2\u3057\u3066\u306f\u3001\u3082\u3063\u3068\u591a\u304f\u306e\u3053\u3068\u3092\u805e\u304f\u3053\u3068\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u307e\u305f\u3001BANKING AS A SERVICE \u306e\u6a5f\u80fd\u304c\u9069\u5207\u3068\u5224\u65ad\u3055\u308c\u308c\u3070\u3001\u8cb7\u53ce\u3082\u8996\u91ce\u306b\u5165\u308c\u3066\u3044\u307e\u3059\u3002\u3067\u306f\u3001\u30de\u30a4\u30af\u306b\u4ee3\u308f\u3063\u3066\u3001\u4f55\u304b\u88dc\u8db3\u304c\u3042\u308c\u3070\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>Mike Milotich &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u8ca1\u52d9\u7684\u306a\u89b3\u70b9\u304b\u3089\u8a00\u3046\u3068\u3001\u3053\u308c\u3089\u306e\u6a5f\u80fd\u306f\u3001\u30ab\u30fc\u30c9\u306e\u5229\u7528\u3092\u5897\u3084\u3057\u3001\u304a\u5ba2\u69d8\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u3053\u3068\u3092\u76ee\u7684\u306b\u4f5c\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u79c1\u305f\u3061\u306e\u73fe\u5728\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u5bfe\u3059\u308b\u5927\u304d\u306a\u4ed8\u52a0\u4fa1\u5024\u30d3\u30b8\u30cd\u30b9\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u304a\u5ba2\u69d8\u304c\u8907\u6570\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u5229\u7528\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u79c1\u305f\u3061\u304c\u7dcf\u5408\u7684\u306a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3001\u304a\u5ba2\u69d8\u3068\u306e\u52dd\u7387\u3092\u4e0a\u3052\u308b\u3053\u3068\u304c\u76ee\u6a19\u3067\u3059\u3002<\/p>\n<p>\u3068\u306f\u3044\u3048\u3001\u4eca\u73fe\u5728\u306e\u53ce\u76ca\u304c\u5c11\u984d\u3067\u3042\u3063\u3066\u3082\u3001\u3053\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u63a1\u7528\u3059\u308b\u9867\u5ba2\u304c\u5897\u3048\u308c\u3070\u3001\u6642\u9593\u3068\u3068\u3082\u306b\u53ce\u76ca\u304c\u5897\u52a0\u3057\u3001\u3053\u308c\u3089\u306e\u6a5f\u80fd\u304c\u69cb\u7bc9\u3055\u308c\u308c\u3070\u3001\u9ad8\u3044\u4ed8\u52a0\u4fa1\u5024\u3092\u751f\u3080\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u540c\u3058\u53d6\u5f15\u3001\u540c\u3058\u91cf\u3067\u3042\u308c\u3070\u3001\u9650\u754c\u30b3\u30b9\u30c8\u304c\u975e\u5e38\u306b\u4f4e\u304f\u3066\u3082\u3001\u307b\u3093\u306e\u5c11\u3057\u53ce\u5165\u304c\u5897\u3048\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u6642\u9593\u306e\u7d4c\u904e\u3068\u3068\u3082\u306b\u62e1\u5927\u3057\u3066\u3044\u304f\u306e\u3067\u3001\u8ca1\u52d9\u7684\u306b\u3082\u975e\u5e38\u306b\u6709\u7528\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Tien-Tsin Huang &#8212; JPMorgan Chase and Company &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u3002\u3082\u3057\u3088\u308d\u3057\u3051\u308c\u3070\u3001\u7c21\u5358\u306a\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u3092\u660e\u78ba\u306b\u3055\u305b\u3066\u304f\u3060\u3055\u3044\u3002\u30ab\u30fc\u30c9\u696d\u754c\u3067\u306f\u3001ONE\u306f\u7d20\u6674\u3089\u3057\u3044\u52dd\u5229\u3067\u3057\u305f\u306d\u3002\u305d\u3046\u3059\u308b\u3068\u3001\u8cc7\u91d1\u6d41\u5165\u3084\u4ed6\u306e\u7a2e\u985e\u306e\u73fe\u91d1\u8f38\u9001\u3092\u4fc3\u9032\u3059\u308b\u6a5f\u4f1a\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002ONE\u30ab\u30fc\u30c9\u304c\u3088\u308a\u826f\u3044\u7d50\u679c\u3092\u751f\u3080\u3088\u3046\u306b\u3001\u305d\u308c\u3092\u62e1\u5927\u3059\u308b\u6a5f\u4f1a\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u305d\u308c\u306f\u3001\u3072\u3068\u3064\u306e\u4f8b\u3068\u3057\u3066\u8003\u3048\u3066\u3082\u3044\u3044\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n<p>Jason Gardner &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u3002\u78ba\u304b\u306b\u3001\u305d\u3046\u3044\u3046\u8003\u3048\u65b9\u3082\u3067\u304d\u307e\u3059\u306d\u3002\u79c1\u305f\u3061\u306e\u304a\u5ba2\u3055\u307e\u306f\u3001\u65b0\u898f\u53c2\u5165\u306e\u88fd\u54c1\u3067\u3042\u308c\u3070\u3001\u5f53\u7136\u306a\u304c\u3089\u7acb\u3061\u4e0a\u3052\u304b\u3089\u904b\u7528\u307e\u3067\u3092\u884c\u3044\u307e\u3059\u3002\u3059\u3067\u306b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u7d71\u5408\u3055\u308c\u3066\u3044\u308b\u305f\u3081\u3001\u9867\u5ba2\u57fa\u76e4\u3084\u5fc5\u8981\u306a\u6a5f\u80fd\u3092\u5b66\u3076\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u79c1\u305f\u3061\u306f\u3001Marqeta\u306b\u4e00\u5ea6\u7d71\u5408\u3059\u308c\u3070\u3001\u79c1\u305f\u3061\u304c\u55b6\u696d\u3057\u3066\u3044\u308b\u3059\u3079\u3066\u306e\u5730\u57df\u3067\u767a\u58f2\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u3088\u304f\u8a71\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u5b9f\u969b\u306b\u6a5f\u80fd\u3092\u4f5c\u6210\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u9867\u5ba2\u3084\u30e6\u30fc\u30b6\u30fc\u306e\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u3092\u9ad8\u3081\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u53ce\u76ca\u3092\u4e0a\u3052\u308b\u305f\u3081\u306b\u3082\u3001\u6642\u9593\u3092\u304b\u3051\u3066\u6a5f\u80fd\u3092\u8ffd\u52a0\u3057\u3066\u3044\u304f\u4e88\u5b9a\u3067\u3059\u3002<\/p>\n<p>Tien-Tsin Huang &#8212; JPMorgan Chase and Company &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u7d20\u6674\u3089\u3057\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>\u904b\u55b6\u8005<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u6b21\u306e\u8cea\u554f\u306f\u30a6\u30a9\u30eb\u30d5\u30ea\u30b5\u30fc\u30c1\u306e\u30c0\u30ea\u30f3\u30fb\u30da\u30e9\u30fc\u3055\u3093\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e<\/p>\n<p>Darrin Peller &#8212; Wolfe Research &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3084\u3042\u3001\u307f\u3093\u306a\u3002\u3053\u306e\u3088\u3046\u306a\u7d50\u679c\u3092\u51fa\u305b\u3066\u3088\u304b\u3063\u305f\u3067\u3059\u3002Block\u4ee5\u5916\u306e\u5206\u91ce\u3067\u306f\u3001\u7d4c\u8cbb\u7ba1\u7406\u3084\u30aa\u30f3\u30c7\u30de\u30f3\u30c9\u30fb\u30c7\u30ea\u30d0\u30ea\u30fc\u306e\u3088\u3046\u306a\u5206\u91ce\u3067\u3001\u898f\u6a21\u3084\u30b3\u30f3\u30d7\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u304b\u306a\u308a\u306e\u5f37\u3055\u3092\u7dad\u6301\u3057\u3066\u3044\u308b\u3088\u3046\u306b\u898b\u3048\u307e\u3059\u3002\u305d\u3053\u3067\u3001\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u8aac\u660e\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u307e\u305f\u3001\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u304a\u805e\u304d\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3001\u5fa1\u793e\u306f\u3053\u308c\u307e\u3067\u5782\u76f4\u7d71\u5408\u578b\u306e\u30d3\u30b8\u30cd\u30b9\u3092\u5c55\u958b\u3057\u3001\u696d\u754c\u30d9\u30fc\u30b9\u3067\u5dee\u5225\u5316\u3092\u56f3\u308a\u306a\u304c\u3089\u30d3\u30b8\u30cd\u30b9\u3092\u7372\u5f97\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u3053\u306e\u70b9\u306b\u95a2\u3057\u3066\u3001\u7af6\u4e89\u9762\u3067\u4f55\u304b\u5909\u5316\u304c\u3042\u308a\u307e\u3059\u304b\uff1f<\/p>\n<p>Mike Milotich &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u3002\u3042\u308a\u304c\u3068\u3046\u3001Darrin\u3002\u3044\u3044\u3048\u3001\u4f55\u3082\u5909\u5316\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3064\u307e\u308a\u3001\u72b6\u6cc1\u306f\u975e\u5e38\u306b\u5b89\u5b9a\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\n<p>\u30aa\u30f3\u30c7\u30de\u30f3\u30c9\u30c7\u30ea\u30d0\u30ea\u30fc\u306e\u3088\u3046\u306a\u3082\u306e\u304b\u3089\u59cb\u3081\u307e\u3059\u3002\u3053\u308c\u306f\u6700\u3082\u6210\u719f\u3057\u305f\u5206\u91ce\u3067\u3059\u3002\u524d\u56db\u534a\u671f\u3068\u540c\u69d8\u3001\u975e\u5e38\u306b\u5b89\u5b9a\u3057\u305f\u6210\u9577\u3092\u9042\u3052\u3066\u3044\u307e\u3059\u3002\u5148\u307b\u3069\u3082\u7533\u3057\u4e0a\u3052\u307e\u3057\u305f\u304c\u3001\u3053\u306e\u6210\u9577\u3092\u5f8c\u62bc\u3057\u3057\u3066\u3044\u308b\u306e\u306f\u3001\u304a\u5ba2\u69d8\u304c\u65b0\u3057\u3044\u5206\u91ce\u306b\u9032\u51fa\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u7279\u306b\u30c9\u30e9\u30c3\u30b0\u30b9\u30c8\u30a2\u3084\u30b3\u30f3\u30d3\u30cb\u30a8\u30f3\u30b9\u30b9\u30c8\u30a2\u3001\u5c0f\u58f2\u5e97\u306a\u3069\u3067\u306e\u53d7\u3051\u5165\u308c\u304c\u9032\u3093\u3067\u304a\u308a\u3001\u3053\u308c\u304c\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u306e\u5411\u4e0a\u306b\u5927\u304d\u304f\u5bc4\u4e0e\u3057\u3066\u3044\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u53ce\u76ca\u306e\u89b3\u70b9\u304b\u3089\u306f\u3001\u30d3\u30b8\u30cd\u30b9\u30df\u30c3\u30af\u30b9\u304c\u826f\u597d\u3067\u3001\u9867\u5ba2\u53ce\u76ca\u30b7\u30a7\u30a2\u306b\u5bfe\u3059\u308b\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u304c\u6539\u5584\u3055\u308c\u305f\u305f\u3081\u3001\u696d\u7e3e\u304c\u5411\u4e0a\u3057\u307e\u3057\u305f\u3002\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u3055\u307e\u3056\u307e\u306a\u8981\u56e0\u306b\u3064\u3044\u3066\u8003\u3048\u3066\u307f\u308b\u3068\u3001\u4eca\u671f\u306e\u652f\u51fa\u30df\u30c3\u30af\u30b9\u306f\u3001\u8ca9\u58f2\u53f0\u6570\u306e\u4f38\u3073\u306b\u5bfe\u3057\u3066\u53ce\u76ca\u3092\u5897\u52a0\u3055\u305b\u308b\u3082\u306e\u3067\u3042\u3063\u305f\u3068\u8a00\u3048\u307e\u3059\u3002\u7d4c\u8cbb\u7ba1\u7406\u306e\u9762\u3067\u306f\u3001\u3053\u306e\u5206\u91ce\u306e\u30d3\u30b8\u30cd\u30b9\u304c\u4fe1\u3058\u3089\u308c\u306a\u3044\u307b\u3069\u6025\u901f\u306b\u6210\u9577\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u73fe\u5728\u3001TPV\u306e10\uff05\u53f0\u534a\u3070\u3092\u5360\u3081\u3066\u3044\u307e\u3059\u3002\u5148\u307b\u3069\u7533\u3057\u4e0a\u3052\u305f\u3088\u3046\u306b\u3001\u6628\u5e74\u306e2\u500d\u306e\u30b7\u30a7\u30a2\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002TPV\u304c1\u5104\u30c9\u30eb\u3092\u8d85\u3048\u308b\u9867\u5ba2\u306f6\u793e\u3042\u308a\u307e\u3059\u3002\u4f01\u696d\u304c\u3088\u308a\u52b9\u7387\u7684\u306b\u306a\u308a\u3001\u5f93\u696d\u54e1\u304c\u3088\u308a\u4f7f\u3044\u3084\u3059\u304f\u67d4\u8edf\u306a\u4f53\u9a13\u3092\u3059\u308b\u3053\u3068\u3092\u671b\u3093\u3067\u3044\u308b\u305f\u3081\u3001\u3053\u306e\u5206\u91ce\u306f\u975e\u5e38\u306b\u6025\u901f\u306b\u6210\u9577\u3057\u3066\u304a\u308a\u3001\u305d\u308c\u304c\u5f53\u793e\u306e\u6210\u529f\u3092\u5f8c\u62bc\u3057\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Darrin Peller &#8212; Wolfe Research &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u306a\u308b\u307b\u3069\u3002\u5909\u5316\u306e\u5146\u3057\u306f\u306a\u3044\u3088\u3046\u3067\u3059\u306d\u3002<\/p>\n<p>Mike Milotich &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u3044\u3044\u3048\u3002<\/p>\n<p>Darrin Peller &#8212; Wolfe Research &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u305d\u308c\u306f\u3088\u304b\u3063\u305f\u3067\u3059\u306d\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n<p>Mike Milotich &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u5b9f\u969b\u3001\u5148\u307b\u3069\u7533\u3057\u4e0a\u3052\u305f\u3088\u3046\u306b\u3001\u30c0\u30ea\u30f3\u3001\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u30c9\u30eb\u30d9\u30fc\u30b9\u306e\u7d4c\u8cbb\u7ba1\u7406\u306e\u4f38\u3073\u3001\u30c9\u30eb\u30d9\u30fc\u30b9\u306eTPV\u306e\u4f38\u3073\u306f\u3001\u5b9f\u306f\u7b2c2\u56db\u534a\u671f\u3088\u308a\u3082\u3055\u3089\u306b\u5927\u304d\u304f\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u524d\u5e74\u540c\u671f\u6bd4\u3067\u652f\u51fa\u304c\u52a0\u901f\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u3059\u304c\u3001\u524d\u5e74\u540c\u671f\u6bd4\u3082\u975e\u5e38\u306b\u901f\u3044\u30b9\u30d4\u30fc\u30c9\u3067\u4f38\u3073\u3066\u3044\u308b\u305f\u3081\u3067\u3059\u3002\u6210\u9577\u7387\u306f\u4e0b\u304c\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u3067\u3082\u6628\u5e74\u6bd4\u3067\u306f\u307b\u307c3\u500d\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Darrin Peller &#8212; Wolfe Research &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u3002\u672c\u5f53\u306b\u7d20\u6674\u3089\u3057\u3044\u3067\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3001Mike\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\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\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>Timothy Chiodo &#8212; Credit Suisse &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\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\u3002\u5148\u307b\u3069\u3082\u5c11\u3057\u89e6\u308c\u3089\u308c\u307e\u3057\u305f\u304c\u3001\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u304a\u805e\u304d\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3001\u3082\u3057\u53ef\u80fd\u3067\u3042\u308c\u3070\u7bc4\u56f2\u3092\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002\u7d76\u5bfe\u7684\u306a\u6570\u5b57\u3092\u51fa\u3059\u306e\u306f\u96e3\u3057\u3044\u3068\u306f\u601d\u3044\u307e\u3059\u304c\u3002<\/p>\n<p>\u307e\u3060\u521d\u671f\u6bb5\u968e\u3067\u3059\u3057\u3001\u3055\u307e\u3056\u307e\u306a\u88fd\u54c1\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u3057\u304b\u3057\u3001\u4e00\u822c\u7684\u306b\u8a00\u3048\u3070\u3001Marqeta for Banking\u306e\u65b9\u304c\u58f2\u4e0a\u7dcf\u5229\u76ca\u7387\u304c\u9ad8\u305d\u3046\u3067\u3059\u306d\u3002\u58f2\u4e0a\u9ad8\u306b\u5bfe\u3059\u308b\u58f2\u4e0a\u7dcf\u5229\u76ca\u306e\u5272\u5408\u3067\u8a00\u3048\u3070\u3001\u3088\u308a\u9ad8\u3044\u58f2\u4e0a\u7dcf\u5229\u76ca\u7387\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u73fe\u5728\u306e\u4f1a\u793e\u5168\u4f53\u306e\u7c97\u5229\u76ca\u7387\u3068\u6bd4\u8f03\u3057\u3066\u3001\u3069\u306e\u7a0b\u5ea6\u9ad8\u304f\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u306e\u304b\u3001\u65b9\u5411\u6027\u3092\u793a\u3059\u6570\u5b57\u3092\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u307e\u305f\u3001\u73fe\u5728\u306e\u30b3\u30a2\u30d3\u30b8\u30cd\u30b9\uff08\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u3068\u306e\u7d50\u3073\u3064\u304d\u304c\u5f37\u3044\uff09\u3068\u6bd4\u8f03\u3057\u3066\u3001\u58f2\u4e0a\u9ad8\u306b\u5360\u3081\u308b\u5272\u5408\u304c\u3069\u306e\u7a0b\u5ea6\u306b\u306a\u308b\u306e\u304b\u3001\u305d\u306e\u65b9\u5411\u6027\u306b\u3064\u3044\u3066\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u30de\u30a4\u30af\u30fb\u30df\u30ed\u30c6\u30a3\u30c3\u30c1 &#8212; 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Chiodo &#8212; Credit Suisse &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u7d20\u6674\u3089\u3057\u3044\u3002\u305d\u308c\u304b\u3089\u3001Marqeta for Banking\u306b\u3064\u3044\u3066\u3082\u7c21\u5358\u306b\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u3092\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u3053\u306e\u30b5\u30fc\u30d3\u30b9\u306e\u6700\u3082\u8fd1\u3044\u7af6\u5408\u76f8\u624b\u306f\u3001Galileo\u304c\u63d0\u4f9b\u3057\u3066\u3044\u308b\u30b5\u30fc\u30d3\u30b9\u306e\u30e9\u30a4\u30f3\u4e0a\u306b\u3042\u308b\u3068\u8a00\u3063\u3066\u3082\u3088\u3044\u3067\u3057\u3087\u3046\u3002Fiserv\u3084FIS\u304c\u63d0\u4f9b\u3057\u3066\u3044\u308b\u30b5\u30fc\u30d3\u30b9\u306b\u8fd1\u3044\u306e\u3067\u3057\u3087\u3046\u304b\u3002\u305d\u308c\u3068\u3082\u3001\u3053\u306e\u30b5\u30fc\u30d3\u30b9\u304c\u3069\u306e\u3088\u3046\u306a\u3082\u306e\u304b\u3001\u307e\u305f\u3001\u4ed6\u306e\u7af6\u5408\u4ed6\u793e\u306b\u3064\u3044\u3066\u8003\u3048\u308b\u306e\u306b\u3075\u3055\u308f\u3057\u3044\u304b\u3069\u3046\u304b\u3001\u6587\u8108\u3092\u8aac\u660e\u3067\u304d\u308b\u3088\u3046\u306a\u4ed6\u306e\u30b5\u30fc\u30d3\u30b9\u306b\u3064\u3044\u3066\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>Jason Gardner &#8212; 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Chiodo &#8212; Credit Suisse &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u3001\u30de\u30a4\u30af\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u304a\u4e8c\u4eba\u3068\u3082\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u6b21\u306e\u8cea\u554f\u306f\u30d0\u30fc\u30af\u30ec\u30a4\u30ba\u306e\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\uff1d\u30a2\u30c3\u30b5\u30eb\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\uff1d\u30a2\u30c3\u30b5\u30eb &#8212; \u30d0\u30fc\u30af\u30ec\u30a4\u30ba &#8212; 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Banking\u306b\u3064\u3044\u3066\u3082\u3046\u4e00\u5ea6\u3001\u8ca9\u58f2\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u306e\u72b6\u6cc1\u3092\u304a\u805e\u304d\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3001\u3044\u304b\u304c\u3067\u3057\u3087\u3046\u304b\u3002\u3055\u3089\u306b\u5177\u4f53\u7684\u306b\u306f\u3001\u30af\u30ed\u30b9\u30bb\u30eb\u306e\u6a5f\u4f1a\u306b\u3064\u3044\u3066\u3001\u307e\u305f\u3001\u3053\u306e\u88fd\u54c1\u306e\u8d77\u6e90\u304c\u3001\u65e2\u5b58\u306e\u9867\u5ba2\u30d9\u30fc\u30b9\u306b\u898b\u3089\u308c\u308b\u9700\u8981\u3092\u6e80\u305f\u3059\u3082\u306e\u3067\u3042\u3063\u305f\u306e\u304b\u3001\u305d\u308c\u3068\u3082\u5916\u90e8\u5e02\u5834\u3067\u6e80\u305f\u3055\u308c\u3066\u3044\u306a\u3044\u30cb\u30fc\u30ba\u304c\u3042\u308b\u3068\u601d\u308f\u308c\u308b\u88fd\u54c1\u7fa4\u306e\u3088\u3046\u306a\u3082\u306e\u3060\u3063\u305f\u306e\u304b\u3001\u30b3\u30e1\u30f3\u30c8\u3044\u305f\u3060\u3051\u307e\u3059\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc 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Bank\u3068\u8a71\u3057\u305f\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306f\u4ed6\u306e\u591a\u304f\u306e\u90e8\u5206\u306b\u3082\u624b\u3092\u4f38\u3070\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u3068\u3044\u3046\u306e\u3082\u3001\u591a\u304f\u306e\u4f01\u696d\u304c\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u4f01\u696d\u306b\u306a\u308b\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u305d\u306e\u3088\u3046\u306a\u4f01\u696d\u306e\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306f\u3001\u57fa\u672c\u7684\u306b\u79c1\u305f\u3061\u304cMarqeta for Banking\u3068\u547c\u3076\u3082\u306e\u306e\u305f\u3081\u306e\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u3067\u3042\u308b\u3068\u8003\u3048\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\n<p>\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u5f53\u793e\u306e\u6226\u7565\u306f\u5e38\u306b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u4e2d\u5fc3\u3067\u3042\u308a\u3001\u305d\u306e\u30e2\u30b8\u30e5\u30fc\u30eb\u6027\u306b\u3088\u3063\u3066\u3001\u304a\u5ba2\u69d8\u304c\u68da\u304b\u3089\u53d6\u308a\u51fa\u3057\u3066\u7d20\u65e9\u304f\u7d71\u5408\u3057\u3001\u660e\u3089\u304b\u306b\u304a\u5ba2\u69d8\u306b\u3068\u3063\u3066\u3088\u308a\u826f\u3044\u4f53\u9a13\u3092\u751f\u307f\u51fa\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u3001\u69d8\u3005\u306a\u7279\u5fb4\u3084\u6a5f\u80fd\u3092\u8ffd\u52a0\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u3053\u306e\u3053\u3068\u3092\u4fe1\u3058\u3001\u9577\u3044\u9593\u3001\u3053\u306e\u5206\u91ce\u306b\u643a\u308f\u3063\u3066\u304d\u307e\u3057\u305f\u3002\u30ab\u30fc\u30c9\u3067\u8ab0\u304b\u306e\u30b3\u30a2\u30d3\u30b8\u30cd\u30b9\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u306b\u3057\u3066\u3082\u3001\u30ab\u30fc\u30c9\u3067\u8ab0\u304b\u306e\u30b3\u30a2\u30d3\u30b8\u30cd\u30b9\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u306b\u3057\u3066\u3082\u3001\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u306f\u79c1\u305f\u3061\u304c\u4ee5\u524d\u304b\u3089\u53d6\u308a\u7d44\u3093\u3067\u304d\u305f\u5206\u91ce\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u4eca\u56de\u3082\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u8cc7\u91d1\u79fb\u52d5\u306b\u95a2\u3059\u308b\u6a5f\u80fd\u3068\u7279\u5fb4\u3092\u62e1\u5145\u3057\u3001\u4e16\u754c\u4e2d\u3067\u8cc7\u91d1\u3092\u79fb\u52d5\u3055\u305b\u308b\u591a\u304f\u306e\u6a5f\u4f1a\u3092\u78ba\u5b9f\u306b\u3068\u3089\u3048\u3001\u7279\u306b\u3001\u304a\u5ba2\u69d8\u304c\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u304b\u3089\u53ce\u76ca\u3092\u5f97\u308b\u30ab\u30fc\u30c9\u306b\u8cc7\u91d1\u3092\u79fb\u52d5\u3055\u305b\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u305d\u3057\u3066\u3001\u3053\u306e1\u5e74\u9593\u306f\u3001\u5f7c\u3089\u306e\u6210\u529f\u304c\u79c1\u305f\u3061\u306e\u6210\u529f\u306b\u3064\u306a\u304c\u308b\u3068\u8a71\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u3067\u3059\u304b\u3089\u3001\u79c1\u305f\u3061\u306f\u3001\u79c1\u305f\u3061\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u7c98\u7740\u6027\u3068\u5f7c\u3089\u306e\u6210\u529f\u306e\u305f\u3081\u306e\u80fd\u529b\u306b\u95a2\u3059\u308b\u512a\u308c\u305f\u6226\u7565\u3092\u3069\u306e\u3088\u3046\u306b\u69cb\u7bc9\u3059\u308b\u304b\u306b\u3064\u3044\u3066\u3001\u305f\u3060\u305f\u3060\u8208\u596e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Mike Milotich &#8212; 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El-Assal &#8212; \u30d0\u30fc\u30af\u30ec\u30a4\u30ba &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\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<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\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\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>James Faucette &#8212; Morgan Stanley &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u7af6\u5408\u4ed6\u793e\u306b\u95a2\u3059\u308b\u8cea\u554f\u306b\u3064\u3044\u3066\u3001\u5c11\u3057\u88dc\u8db3\u3055\u305b\u3066\u304f\u3060\u3055\u3044\u3002\u3057\u304b\u3057\u660e\u3089\u304b\u306b\u3001\u5fa1\u793e\u306f\u6700\u5927\u306e\u9867\u5ba2\u3092\u62b1\u3048\u3066\u304a\u308a\u3001\u53ef\u80fd\u306a\u9650\u308a\u66f4\u65b0\u3057\u305f\u3044\u3068\u304a\u8003\u3048\u3067\u3057\u3087\u3046\u3002\u305d\u306e\u9867\u5ba2\u3084\u4ed6\u306e\u9867\u5ba2\u3001\u6f5c\u5728\u7684\u306a\u9867\u5ba2\u3092\u6f5c\u5728\u7684\u306a\u7af6\u4e89\u76f8\u624b\u3068\u898b\u306a\u3057\u3066\u3001\u4f55\u304b\u72b6\u6cc1\u304c\u5909\u308f\u3063\u3066\u304d\u3066\u3044\u308b\u306e\u304b\u3001\u3042\u308b\u3044\u306f\u81ea\u793e\u958b\u767a\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306b\u5bfe\u3057\u3066\u4f55\u3092\u3059\u3079\u304d\u306a\u306e\u304b\u306b\u3064\u3044\u3066\u3001\u6700\u65b0\u60c5\u5831\u3092\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u3002\u3067\u306f\u3001\u307e\u305a\u30d6\u30ed\u30c3\u30af\u304b\u3089\u3002\u4ee5\u524d\u3082\u304a\u8a71\u3057\u3057\u305f\u3088\u3046\u306b\u3001\u73fe\u6642\u70b9\u3067\u306f\u307e\u3060\u5951\u7d04\u671f\u9593\u304c18\u30ab\u6708\u6b8b\u3063\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u3067\u304d\u308b\u3060\u3051\u65e9\u304f\u3001\u4f55\u304b\u60c5\u5831\u3092\u5171\u6709\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u30d6\u30ed\u30c3\u30af\u304c\u4f55\u304b\u65b0\u3057\u3044\u3082\u306e\u3092\u4f5c\u308d\u3046\u3068\u6c7a\u3081\u305f\u3089\u3001\u79c1\u305f\u3061\u3068\u4e00\u7dd2\u306b\u305d\u308c\u3092\u4f5c\u308b\u306e\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u660e\u3089\u304b\u306b\u305d\u308c\u3092\u697d\u3057\u3093\u3067\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001Block\u306e\u3088\u3046\u306a\u9867\u5ba2\u304c\u5229\u76ca\u3092\u5f97\u3089\u308c\u308b\u3088\u3046\u306b\u3001\u6280\u8853\u9762\u3067\u3082\u88fd\u54c1\u9762\u3067\u3082\u3001\u79c1\u305f\u3061\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u9a5a\u304f\u307b\u3069\u591a\u304f\u306e\u6295\u8cc7\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u305d\u308c\u306b\u3064\u3044\u3066\u4f55\u304b\u3042\u308c\u3070\u3001\u305c\u3072\u304a\u4f1d\u3048\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u305d\u308c\u304b\u3089\u3001\u7af6\u5408\u306e\u4ef6\u3067\u3059\u304c\u3001\u79c1\u305f\u3061\u306e\u6226\u7565\u306f\u975e\u5e38\u306b\u3046\u307e\u304f\u3044\u3063\u3066\u3044\u307e\u3059\u3002\u904e\u53bb\u306b\u306f\u3001\u30b3\u30de\u30fc\u30b9\u306e\u7834\u58ca\u8005\u304b\u3089\u59cb\u3081\u3066\u3001\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af\u3001\u30cf\u30a4\u30c6\u30af\u5927\u624b\u3001\u305d\u3057\u3066\u5927\u624b\u91d1\u878d\u6a5f\u95a2\u306b\u9032\u51fa\u3059\u308b\u3068\u3044\u3063\u305f\u8a71\u3092\u3057\u307e\u3057\u305f\u3002\u7af6\u5408\u4ed6\u793e\u306b\u306f\u3055\u307e\u3056\u307e\u306a\u30bf\u30a4\u30d7\u304c\u3042\u308a\u307e\u3059\u3002\u4e16\u754c\u306eTSYS\u306e\u3088\u3046\u306b\u5927\u624b\u91d1\u878d\u6a5f\u95a2\u3068\u53d6\u5f15\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u3053\u30532\uff5e3\u5e74\u306e\u9593\u306b\u53f0\u982d\u3057\u3066\u304d\u305f\u65b0\u8208\u4f01\u696d\u306a\u3069\u3001\u727d\u5f15\u5f79\u3068\u306a\u308a\u3064\u3064\u3042\u308b\u4e2d\u5c0f\u4f01\u696d\u3082\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306e\u6226\u7565\u306f\u975e\u5e38\u306b\u3046\u307e\u304f\u3044\u3063\u3066\u3044\u308b\u3068\u611f\u3058\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u305d\u306e\u6226\u7565\u3092\u5b9f\u884c\u3057\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002ONE\u306e\u3088\u3046\u306a\u5927\u304d\u306a\u6848\u4ef6\u3060\u3051\u3067\u306a\u304f\u3001\u5e02\u5834\u304b\u3089\u306e\u4fe1\u983c\u3092\u5f97\u3066\u3044\u308b\u6848\u4ef6\u3082\u7372\u5f97\u30fb\u62e1\u5927\u3057\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u3084Marqeta for Banking\u306a\u3069\u3001\u5f53\u793e\u306e\u9867\u5ba2\u306f\u6280\u8853\u3092\u5f97\u308b\u305f\u3081\u306b\u4ed6\u306e\u30d9\u30f3\u30c0\u30fc\u306b\u884c\u304d\u305f\u304c\u3089\u306a\u3044\u3053\u3068\u304c\u5206\u304b\u3063\u3066\u3044\u307e\u3059\u3002DDA\u30a2\u30ab\u30a6\u30f3\u30c8\u3084ACH\u6a5f\u80fd\u306a\u3069\u3001\u79c1\u305f\u3061\u304c\u6301\u3063\u3066\u3044\u308b\u4ed6\u306e\u8981\u7d20\u3092\u4f7f\u3044\u305f\u3044\u306e\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u5f53\u7136\u306a\u304c\u3089\u3001\u79c1\u305f\u3061\u306f\u304a\u5ba2\u69d8\u3092\u66f4\u65b0\u3057\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u65b0\u898f\u9867\u5ba2\u306e\u7372\u5f97\u3082\u7d9a\u3051\u3066\u304a\u308a\u3001\u4eca\u5f8c\u3082\u3053\u306e\u6226\u7565\u3092\u7d9a\u3051\u3066\u3044\u304f\u3064\u3082\u308a\u3067\u3059\u3002<\/p>\n<p>James Faucette &#8212; Morgan Stanley &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u6b21\u306e\u8cea\u554f\u306f\u30b7\u30c6\u30a3\u306eAshwin Shirvaikar\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>Ashwin Shirvaikar &#8212; Citi &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u826f\u3044\u56db\u534a\u671f\u3067\u304a\u3081\u3067\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u72b6\u6cc1\u4e0b\u3067\u3001\u3069\u306e\u3088\u3046\u306a\u8981\u56e0\u304c\u3042\u308b\u306e\u304b\u3001\u307e\u305f\u3001\u3069\u306e\u3088\u3046\u306a\u9806\u4f4d\u306b\u3042\u308b\u306e\u304b\u3001\u304a\u805e\u304b\u305b\u3044\u305f\u3060\u3051\u307e\u3059\u304b\u3002<\/p>\n<p>Mike Milotich &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u7533\u3057\u8a33\u3042\u308a\u307e\u305b\u3093\u304c\u3001Ashwin\u3055\u3093\u3001\u79c1\u305f\u3061\u306e\u898b\u901a\u3057\u306b\u3064\u3044\u3066\u3001\u30b5\u30a4\u30ba\u3084\u9806\u4f4d\u3092\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f<\/p>\n<p>Ashwin Shirvaikar &#8212; Citi &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3042\u3042\u3001\u898b\u901a\u3057\u306e\u5909\u66f4\u306b\u81f3\u3063\u305f\u8981\u56e0\u3067\u3059\u306d\u3002<\/p>\n<p>\u30de\u30a4\u30af\u30fb\u30df\u30ed\u30c6\u30a3\u30c3\u30c1 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u3042\u3042\u3001\u305d\u3046\u3067\u3059\u304b\u3002\u3082\u3061\u308d\u3093\u3001\u305d\u3046\u3067\u3059\u3002\u305d\u3046\u3067\u3059\u306d\u3001\u3044\u304f\u3064\u304b\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>1\u3064\u306f\u3001\u524d\u56db\u534a\u671f\u306b\u3001\u65b0\u3057\u3044\u9867\u5ba2\u3067\u3001\u7279\u306b\u6697\u53f7\u306e\u9818\u57df\u3067\u8d77\u3053\u3063\u3066\u3044\u308b\u3053\u3068\u306b\u3064\u3044\u3066\u306f\u30012022\u5e74\u306e\u521d\u3081\u306b\u4e88\u5b9a\u3057\u3066\u3044\u305f\u307b\u3069\u306b\u306f\u7a4d\u6975\u7684\u306b\u6295\u8cc7\u3057\u306a\u3044\u304b\u3082\u3057\u308c\u306a\u3044\u3068\u8ff0\u3079\u305f\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u3057\u3066\u305d\u308c\u306f\u3001\u307b\u307c\u73fe\u5b9f\u306e\u3082\u306e\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u304c\u63a8\u6e2c\u3057\u305f\u306e\u306f\u3001\u3059\u3067\u306b\u898f\u6a21\u3092\u62e1\u5927\u3057\u3066\u3044\u308b\u5927\u624b\u4f01\u696d\u304c\u3001\u904e\u53bb12\uff5e18\u30ab\u6708\u3067\u6163\u308c\u3066\u3057\u307e\u3063\u305f\u307b\u3069\u5e02\u5834\u306b\u7af6\u4e89\u304c\u306a\u3044\u3053\u3068\u3092\u5229\u7528\u3057\u3066\u3001\u53c2\u5165\u3057\u3066\u304f\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u305d\u306e\u591a\u304f\u306f\u5358\u306a\u308b\u696d\u7e3e\u3067\u3001\u5f53\u793e\u306e\u6700\u5927\u624b\u306e\u9867\u5ba2\u3067\u3042\u308b\u30d6\u30ed\u30c3\u30af\u306f\u3082\u3061\u308d\u3093\u3001\u4fe1\u3058\u3089\u308c\u306a\u3044\u307b\u3069\u597d\u8abf\u3067\u3057\u305f\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u4e00\u822c\u7684\u306b\u8a00\u3063\u3066\u3001\u3053\u308c\u306f\u79c1\u305f\u3061\u304c\u898b\u3066\u3044\u308b\u3053\u3068\u306a\u306e\u3067\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306e\u696d\u7e3e\u3092\u3001\u7b2c4\u56db\u534a\u671f\u306b\u305d\u306e\u307e\u307e\u53cd\u6620\u3055\u305b\u3066\u3044\u307e\u3059\u3002\u6210\u9577\u3068\u3044\u3046\u89b3\u70b9\u3067\u552f\u4e00\u7570\u306a\u308b\u306e\u306f\u3001\u6628\u5e74\u3068\u6bd4\u3079\u3001\u30db\u30ea\u30c7\u30fc\u30b7\u30fc\u30ba\u30f3\u304c\u975e\u5e38\u306b\u597d\u8abf\u3060\u3063\u305f\u3053\u3068\u3067\u3059\u3002\u7d4c\u6e08\u5168\u4f53\u306e\u5c0f\u58f2\u652f\u51fa\u3084\u7279\u306bBNPL\u306e\u4f38\u3073\u3092\u898b\u308b\u3068\u3001\u3053\u306e\u3088\u3046\u306a\u6210\u9577\u306f\u3082\u3046\u4e8c\u5ea6\u3068\u7e70\u308a\u8fd4\u305b\u306a\u3044\u3068\u601d\u308f\u308c\u307e\u3059\u3002<\/p>\n<p>\u6210\u9577\u7387\u306f\u4f4e\u4e0b\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u6628\u5e74\u306e\u3088\u3046\u306a\u30db\u30ea\u30c7\u30fc\u30b7\u30fc\u30ba\u30f3\u309210\u5e74\u306b\u4e00\u5ea6\u3067\u3082\u7d4c\u9a13\u3057\u305f\u304b\u3089\u3068\u3044\u3063\u3066\u3001\u5fc5\u305a\u3057\u3082\u671f\u5f85\u3055\u308c\u308b\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u4ee3\u8868\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>Ashwin Shirvaikar &#8212; \u30b7\u30c6\u30a3 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u3064\u307e\u308a\u3001\u57fa\u672c\u7684\u306b\u306f3Q\u306b\u5f79\u7acb\u3063\u305f\u8981\u56e0\u30924Q\u306b\u6301\u3061\u8fbc\u3093\u3067\u3044\u308b\u3060\u3051\u3067\u3001\u672c\u5f53\u306b\u305d\u306e\u3088\u3046\u306a\u611f\u3058\u306a\u306e\u3067\u3059\u306d\u3002\u305d\u3046\u3067\u3059\u306d\u3002<\/p>\n<p>\u30de\u30a4\u30af\u30fb\u30df\u30ed\u30c6\u30a3\u30c3\u30c1 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u305d\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<p>Ashwin Shirvaikar &#8212; Citi &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u30022\u3064\u76ee\u306e\u8cea\u554f\u306f\u3001\u3082\u3057\u666f\u6c17\u304c\u60aa\u304f\u306a\u3063\u305f\u5834\u5408\u3001\u30d1\u30ef\u30fc\u30c9\u30fb\u30d0\u30a4\u3068\u30de\u30cd\u30fc\u30b8\u30c9\u30fb\u30d0\u30a4\u3067\u5927\u304d\u304f\u7570\u306a\u308b\u30c8\u30ec\u30f3\u30c9\u304c\u4e88\u60f3\u3055\u308c\u307e\u3059\u304b\uff1f\u9867\u5ba2\u304c\u3053\u308c\u3089\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u3069\u306e\u3088\u3046\u306b\u898b\u308b\u304b\u306b\u3064\u3044\u3066\u3001\u30de\u30af\u30ed\u7684\u306a\u9078\u597d\u306e\u8981\u7d20\u306f\u3042\u308b\u306e\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc\uff08Jason Gardner\uff09\uff1a\u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u79c1\u305f\u3061\u306f\u3001\u6d88\u8cbb\u8005\u5411\u3051\u3068\u5546\u696d\u5411\u3051\u306e\u4e21\u65b9\u3067\u3001\u5e45\u5e83\u3044\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u3092\u30b5\u30dd\u30fc\u30c8\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u307e\u3067\u304a\u8a71\u3057\u3057\u3066\u304d\u305f\u3088\u3046\u306b\u3001\u5f53\u793e\u306e\u7d14\u58f2\u4e0a\u9ad8\u306f\u88c1\u91cf\u7684\u306a\u652f\u51fa\u306b\u904e\u5ea6\u306b\u4f9d\u5b58\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u304a\u3051\u308b\u8ca9\u58f2\u91cf\u306e\u304a\u3088\u305d6\u5206\u306e1\u306f\u3001\u5927\u578b\u5bb6\u96fb\u3084\u65c5\u884c\u7528\u30db\u30fc\u30e0\u30bb\u30f3\u30bf\u30fc\u306a\u3069\u306e\u88c1\u91cf\u5ea6\u306e\u9ad8\u3044\u5546\u54c1\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u98df\u6599\u54c1\u3084\u30ac\u30bd\u30ea\u30f3\u3001\u305d\u306e\u4ed6\u306e\u5fc5\u9700\u54c1\u306b\u306f\u304a\u91d1\u3092\u4f7f\u3046\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3067\u3059\u304b\u3089\u3001\u5f53\u793e\u306e\u53d6\u6271\u9ad8\u306e\u4f38\u3073\u306f\u3001\u304a\u5ba2\u69d8\u304c\u4ed6\u306e\u6c7a\u6e08\u624b\u6bb5\u3092\u4f7f\u308f\u306a\u304f\u306a\u3063\u305f\u3053\u3068\u304c\u5927\u304d\u306a\u8981\u56e0\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u3001\u4eba\u3005\u306e\u652f\u6255\u3044\u65b9\u6cd5\u306e\u5909\u5316\u306f\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306b\u3088\u3063\u3066\u52a0\u901f\u3055\u308c\u307e\u3057\u305f\u3002\u4e0d\u6cc1\u306e\u53ef\u80fd\u6027\u304c\u3042\u308b\u305f\u3081\u3001\u3042\u308b\u3044\u306f\u4eca\u304c\u4e0d\u6cc1\u3060\u3068\u8a00\u3046\u4eba\u3082\u3044\u308b\u305f\u3081\u3001\u6e1b\u901f\u3059\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u7d4c\u8cbb\u7ba1\u7406\u3084\u30b3\u30fc\u30dd\u30ec\u30fc\u30c8\u30ab\u30fc\u30c9\u3001\u30cd\u30aa\u30d0\u30f3\u30af\u3084\u6d88\u8cbb\u8005\u91d1\u878d\u3001\u4eca\u8cb7\u3063\u3066\u5f8c\u3067\u6255\u3046\u3001\u4ed6\u306e\u5f62\u614b\u306e\u30ea\u30dc\u30eb\u30d3\u30f3\u30b0\u30af\u30ec\u30b8\u30c3\u30c8\u306a\u3069\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3067\u3059\u304b\u3089\u3001\u4f55\u304c\u8d77\u3053\u308b\u304b\u308f\u304b\u308a\u307e\u305b\u3093\u304c\u3001\u79c1\u305f\u3061\u306f\u3069\u3061\u3089\u304b\u306b\u904e\u5ea6\u306b\u4f9d\u5b58\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u306a\u3044\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30de\u30a4\u30af\u30fb\u30df\u30ed\u30c6\u30a3\u30c3\u30c1 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u5177\u4f53\u7684\u306b\u306f\u3001Powered by\u3068Managed by\u306e\u9055\u3044\u306b\u3064\u3044\u3066\u3067\u3059\u304c\u3001\u79c1\u305f\u3061\u306f\u3001\u304a\u5ba2\u69d8\u304c\u4fa1\u5024\u3092\u8a8d\u3081\u308bManaged by\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3068\u3044\u3046\u4fe1\u3058\u3089\u308c\u306a\u3044\u3088\u3046\u306a\u30bf\u30fc\u30f3\u30ad\u30fc\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u8ffd\u52a0\u3057\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u305d\u308c\u3092\u5927\u898f\u6a21\u306b\u3084\u3063\u3066\u3044\u308b\u306e\u3067\u3001\u591a\u304f\u306e\u304a\u5ba2\u69d8\u304c\u305d\u308c\u3092\u898b\u3066\u3001\u300cMarqeta\u304c\u63d0\u4f9b\u3059\u308b\u30b5\u30fc\u30d3\u30b9\u30ec\u30d9\u30eb\u3067\u3053\u308c\u3089\u306e\u80fd\u529b\u3092\u5f97\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u6295\u8cc7\u984d\u306f\u3001\u5b9f\u306f\u3044\u3044\u5024\u6bb5\u306a\u306e\u3067\u306f\u306a\u3044\u304b\u300d\u3068\u304a\u3063\u3057\u3083\u308b\u306e\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u306e\u6295\u8cc7\u3092\u3057\u305f\u65b9\u304c\u9ad8\u304f\u3064\u304f\u306e\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u7d4c\u6e08\u304c\u5909\u5316\u3057\u3066\u3044\u308b\u304b\u3089\u3068\u3044\u3063\u3066\u3001\u304a\u5ba2\u69d8\u304cPowered by\u69cb\u9020\u3092\u8003\u3048\u308b\u3088\u3046\u306b\u306a\u308b\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002\u306a\u305c\u306a\u3089\u3001Powered by\u69cb\u9020\u3092\u5c0e\u5165\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u304a\u5ba2\u69d8\u304c\u5927\u898f\u6a21\u306a\u6295\u8cc7\u3068\u30ce\u30a6\u30cf\u30a6\u3092\u5fc5\u8981\u3068\u3059\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\n<p>Ashwin Shirvaikar &#8212; Citi &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u6b21\u306e\u8cea\u554f\u306fUBS\u306eRayna Kumar\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>\u30ec\u30a4\u30ca\u30fb\u30af\u30de\u30fc\u30eb &#8212; UBS &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3053\u3093\u306b\u3061\u306f\u3002\u304a\u96fb\u8a71\u3067\u3044\u308d\u3044\u308d\u3068\u6559\u3048\u3066\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u30d6\u30ed\u30c3\u30af\u3068\u306e\u5951\u7d04\u306b\u95a2\u3059\u308b\u6700\u65b0\u60c5\u5831\u3092\u3044\u3064\u805e\u304f\u3053\u3068\u304c\u3067\u304d\u308b\u304b\u3001\u304a\u8003\u3048\u3092\u805e\u304b\u305b\u3066\u304f\u3060\u3055\u3044\u3002\u307e\u305f\u3001\u73fe\u6642\u70b9\u3067\u306e\u8a71\u3057\u5408\u3044\u306e\u9032\u6357\u72b6\u6cc1\u306b\u3064\u3044\u3066\u304a\u805e\u304b\u305b\u304f\u3060\u3055\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u30ec\u30a4\u30ca\u3055\u3093\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u6bce\u65e5Block\u3068\u8a71\u3092\u3057\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30a2\u30d7\u30ea\u3084\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u5074\u306eSquare Card\u306a\u3069\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u5168\u4f53\u306b\u308f\u305f\u3063\u3066\u591a\u304f\u306e\u88fd\u54c1\u3092\u4f9b\u7d66\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5f7c\u3089\u306f\u3001\u30ab\u30fc\u30c9\u767a\u884c\u3084\u51e6\u7406\u3060\u3051\u3067\u306a\u304f\u3001\u7d44\u307f\u8fbc\u307f\u9280\u884c\u3084Marqeta for Banking\u306b\u3082\u3001\u79c1\u305f\u3061\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u591a\u304f\u63a1\u7528\u3057\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u5148\u307b\u3069\u7533\u3057\u4e0a\u3052\u305f\u3088\u3046\u306b\u3001\u66f4\u65b0\u304b\u3089\u7d041\u5e74\u534a\u5f8c\u3067\u3059\u30022024\u5e744\u6708\u9803\u304c\u5951\u7d04\u7d42\u4e86\u306e\u6642\u671f\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u307e\u305f\u3001\u66f4\u65b0\u306b\u95a2\u3059\u308b\u8b70\u8ad6\u306b\u3064\u3044\u3066\u30b3\u30e1\u30f3\u30c8\u3059\u308b\u3064\u3082\u308a\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u305d\u3057\u3066\u3001\u66f4\u65b0\u304c\u3042\u308a\u6b21\u7b2c\u3001\u7d76\u5bfe\u306b\u8a71\u3092\u3059\u308b\u3064\u3082\u308a\u3067\u3059\u3002<\/p>\n<p>\u30de\u30a4\u30af\u30fb\u30df\u30ed\u30c6\u30a3\u30c3\u30c1 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u79c1\u305f\u3061\u306f\u3042\u306a\u305f\u306b\u591a\u304f\u306e\u3053\u3068\u3092\u7d04\u675f\u3057\u307e\u3059\u3002\u7d04\u675f\u3057\u307e\u3059\u3002<\/p>\n<p>Jason Gardner &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u305d\u3046\u3067\u3059\u3002\u7d04\u675f\u3057\u307e\u3059\u3002<\/p>\n<p>\u30ec\u30a4\u30ca\u30fb\u30af\u30de\u30fc\u30eb &#8212; UBS &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u8a73\u7d30\u306a\u60c5\u5831\u3092\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>\u904b\u55b6\u8005<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u6b21\u306e\u8cea\u554f\u306fKeyBanc\u306eJosh Beck\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>\u30b8\u30e7\u30b7\u30e5\u30fb\u30d9\u30c3\u30af &#8212; \u30ad\u30fc\u30d0\u30f3\u30af\u30fb\u30ad\u30e3\u30d4\u30bf\u30eb\u30fb\u30de\u30fc\u30b1\u30c3\u30c4 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u8cea\u554f\u3092\u304a\u53d7\u3051\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u6765\u5e74\u306b\u5411\u3051\u3066\u3001\u73fe\u6642\u70b9\u3067\u3069\u306e\u7a0b\u5ea6\u306e\u898b\u901a\u3057\u3092\u304a\u6301\u3061\u306a\u306e\u304b\u3001\u304a\u4f3a\u3044\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u3069\u306e\u5e74\u306b\u304a\u3044\u3066\u3082\u3001\u5fa1\u793e\u306e\u6210\u9577\u306e\u591a\u304f\u306f\u65e2\u5b58\u9867\u5ba2\u306b\u3088\u308b\u3082\u306e\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u3044\u304f\u3064\u304b\u306e\u696d\u7a2e\u3067\u306f\u3001\u6210\u9577\u7387\u306b\u30c0\u30a4\u30e4\u30eb\u3092\u5408\u308f\u305b\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u306d\u3002<\/p>\n<p>\u307e\u305f\u3001\u9867\u5ba2\u30ec\u30d9\u30eb\u3067\u306e\u62e1\u5f35\u8a08\u753b\u3082\u3088\u304f\u628a\u63e1\u3057\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u306d\u3002\u4eca\u5f8c\u306e\u898b\u901a\u3057\u3092\u3069\u306e\u3088\u3046\u306b\u304a\u8003\u3048\u3067\u3059\u304b\uff1f\u307e\u305f\u3001\u30de\u30af\u30ed\u74b0\u5883\u306f\u8ab0\u306b\u3068\u3063\u3066\u3082\u4e0d\u900f\u660e\u306a\u3082\u306e\u3067\u3059\u3002\u307e\u305f\u3001\u7b2c4\u56db\u534a\u671f\u306e\u30aa\u30da\u30ec\u30c3\u30af\u30b9\u306e\u6c34\u6e96\u306b\u3064\u3044\u3066\u3001\u5c06\u6765\u306e\u6295\u8cc7\u8a08\u753b\u306b\u5411\u3051\u3066\u3069\u306e\u3088\u3046\u306b\u8003\u3048\u3066\u3044\u3051\u3070\u3088\u3044\u306e\u304b\u3001\u975e\u5e38\u306b\u53c2\u8003\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>Mike Milotich &#8212; 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Beck &#8212; KeyBanc Capital Markets &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u975e\u5e38\u306b\u6709\u76ca\u306a\u60c5\u5831\u3067\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3001\u30de\u30a4\u30af\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9\u306eMike Ng\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>Michael Ng &#8212; Goldman Sachs &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3053\u3093\u306b\u3061\u306f\u3002\u8cea\u554f\u3092\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u30022\u3064\u3060\u3051\u3042\u308a\u307e\u3059\u30021\u3064\u76ee\u306f\u3001\u4e0a\u4f4d5\u793e\u300110\u793e\u300120\u793e\u306e\u3069\u306e\u9867\u5ba2\u30b0\u30eb\u30fc\u30d7\u3067\u3082\u3001\u7b2c4\u56db\u534a\u671f\u306eTPV\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306b\u3064\u3044\u3066\u5c11\u3057\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u308c\u3070\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u6b21\u306b\u3001\u7b2c4\u56db\u534a\u671f\u306eTPV\u306e\u898b\u901a\u3057\u306b\u3064\u3044\u3066\u3067\u3059\u304c\u3001\u696d\u754c\u306e\u696d\u7a2e\u306b\u95a2\u9023\u3057\u3066\u4f55\u304b\u304a\u8a71\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f\u52a0\u901f\u3059\u308b\u3082\u306e\u3001\u6e1b\u901f\u3059\u308b\u3082\u306e\u306f\u4f55\u3067\u3057\u3087\u3046\u304b\uff1f\u307e\u305f\u3001\u7279\u7b46\u3059\u3079\u304d\u53b3\u3057\u3044\u30b3\u30f3\u30d7\u3084\u6ce8\u610f\u3059\u3079\u304d\u70b9\u304c\u3042\u308c\u3070\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>Mike Milotich &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u306f\u3044\u3002\u696d\u7e3e\u306b\u95a2\u3057\u3066\u306f\u3001\u4e0a\u4f4d5\u793e\u306e\u9867\u5ba2\u306f\u3001\u4e0a\u4f4d5\u793e\u4ee5\u5916\u306e\u9867\u5ba2\u306f\u3001\u904e\u53bb\u6570\u56db\u534a\u671f\u307b\u3069\u5927\u304d\u306a\u5dee\u306f\u306a\u3044\u3082\u306e\u306e\u3001\u4f9d\u7136\u3068\u3057\u3066\u30d7\u30ec\u30df\u30a2\u30e0\u3067\u6210\u9577\u3057\u3066\u3044\u308b\u3068\u8a00\u3048\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u5148\u307b\u3069\u7533\u3057\u4e0a\u3052\u305f\u3088\u3046\u306b\u3001\u4e00\u90e8\u306e\u5c0f\u898f\u6a21\u306a\u304a\u5ba2\u3055\u307e\u306f\u6295\u8cc7\u984d\u304c\u5c11\u306a\u304f\u3001\u4e00\u90e8\u306e\u5927\u898f\u6a21\u306a\u304a\u5ba2\u3055\u307e\u306f\u305d\u308c\u3092\u5229\u7528\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u305d\u306e\u305f\u3081\u3001\u3053\u306e\u5dee\u306f\u5c11\u3057\u7e2e\u307e\u308a\u307e\u3057\u305f\u304c\u3001\u4e0a\u4f4d5\u793e\u4ee5\u5916\u306e\u304a\u5ba2\u3055\u307e\u306e\u65b9\u304c\u307e\u3060\u6210\u9577\u304c\u901f\u3044\u306e\u3067\u3059\u3002\u3082\u3046\u3072\u3068\u3064\u306e\u898b\u65b9\u306f\u3001\u65b0\u898f\u306e\u304a\u5ba2\u3055\u307e\u3068\u305d\u306e\u7acb\u3061\u4e0a\u304c\u308a\u5177\u5408\u3067\u3059\u30022019\u5e74\u4ee5\u964d\u306b\u5951\u7d04\u3057\u305f\u304a\u5ba2\u69d8\u3092\u898b\u308b\u3068\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u7acb\u3061\u4e0a\u3052\u3066\u304b\u3089\u307e\u3060\u6570\u5e74\u3057\u304b\u7d4c\u3063\u3066\u3044\u307e\u305b\u3093\u304c\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u9577\u304f\u5229\u7528\u3057\u3066\u3044\u308b\u304a\u5ba2\u69d8\u306b\u6bd4\u3079\u3066\u7d044\u500d\u306e\u30b9\u30d4\u30fc\u30c9\u3067\u6210\u9577\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3082\u3001\u305d\u306e\u6210\u9577\u7387\u306f100\uff05\u3092\u306f\u308b\u304b\u306b\u8d85\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3064\u307e\u308a\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u306f\u307e\u3060\u591a\u304f\u306e\u65b0\u3057\u3044\u304a\u5ba2\u69d8\u304c\u3044\u3066\u3001\u975e\u5e38\u306b\u901f\u3044\u30b9\u30d4\u30fc\u30c9\u3067\u6210\u9577\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u304c\u5f53\u793e\u306e\u6210\u9577\u3092\u652f\u3048\u3066\u3044\u308b\u306e\u306f\u660e\u3089\u304b\u3067\u3059\u3002\u96fb\u8a71\u4f1a\u8b70\u3067\u3082\u7533\u3057\u4e0a\u3052\u307e\u3057\u305f\u304c\u3001\u57fa\u76e4\u304c\u3069\u3093\u3069\u3093\u5927\u304d\u304f\u306a\u3063\u3066\u3044\u308b\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001TPV\u306e\u6210\u9577\u3092\u7dad\u6301\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u3066\u3044\u307e\u3059\u3002\u7b2c4\u56db\u534a\u671f\u306e\u5782\u76f4\u8ef8\u3067\u898b\u308b\u3068\u30012\u3064\u306e\u5206\u91ce\u3001\u3042\u308b\u3044\u306f3\u3064\u306e\u5206\u91ce\u3067\u5927\u5e45\u306a\u8d64\u5b57\u304c\u767a\u751f\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u305d\u306e\u3046\u3061\u306e1\u3064\u306f\u3001\u30aa\u30f3\u30c7\u30de\u30f3\u30c9\u30fb\u30c7\u30ea\u30d0\u30ea\u30fc\u3067\u3059\u3002\u3053\u308c\u306f\u5f53\u793e\u306b\u3068\u3063\u3066\u3088\u308a\u6210\u719f\u3057\u305f\u30d3\u30b8\u30cd\u30b9\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u6210\u9577\u7387\u306b\u5927\u304d\u306a\u5dee\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001BNPL\u306f\u78ba\u304b\u306b\u975e\u5e38\u306b\u53b3\u3057\u3044\u7af6\u4e89\u76f8\u624b\u3067\u3059\u3002<\/p>\n<p>\u6628\u5e74\u3082\u7533\u3057\u4e0a\u3052\u307e\u3057\u305f\u304c\u3001\u7b2c4\u56db\u534a\u671f\u306eBNPL\u306e\u6570\u91cf\u306f\u30012021\u5e74\u306e\u4e0a\u534a\u671f\u5168\u4f53\u306e\u6570\u91cf\u3088\u308a\u3082\u5927\u304d\u304b\u3063\u305f\u306e\u3067\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001BNPL\u306f\u975e\u5e38\u306b\u53b3\u3057\u3044\u30b3\u30f3\u30da\u30c6\u30a3\u30b7\u30e7\u30f3\u3067\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u975e\u5e38\u306b\u53b3\u3057\u3044\u30b3\u30f3\u30d7\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3082\u30461\u3064\u306f\u3001\u30db\u30ea\u30c7\u30fc\u30b7\u30fc\u30ba\u30f3\u304c\u597d\u8abf\u3060\u3063\u305f\u305f\u3081\u3001\u65e5\u5e38\u7684\u306a\u6d88\u8cbb\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u304a\u5ba2\u69d8\u306e\u6210\u9577\u3082\u5927\u304d\u304f\u52a0\u901f\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u305d\u306e\u305f\u3081\u3001\u6628\u5e74\u306e\u30db\u30ea\u30c7\u30fc\u30b7\u30fc\u30ba\u30f3\u307b\u3069\u306e\u52e2\u3044\u306f\u306a\u3044\u3060\u308d\u3046\u3068\u3044\u3046\u306e\u304c\u3001\u79c1\u305f\u3061\u306e\u898b\u89e3\u3067\u3059\u3002\u6d88\u8cbb\u8005\u4fe1\u983c\u611f\u3084\u6d88\u8cbb\u8005\u5fc3\u7406\u3092\u8003\u616e\u3059\u308b\u3068\u3001\u3053\u308c\u3082\u307e\u305f\u53b3\u3057\u3044\u7d50\u679c\u3068\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u6700\u5f8c\u306b\u3001\u7d4c\u8cbb\u7ba1\u7406\u306b\u3064\u3044\u3066\u3067\u3059\u304c\u3001\u3053\u308c\u306f2021\u5e74\u306b\u5f53\u793e\u306b\u3068\u3063\u3066\u6bd4\u8f03\u7684\u65b0\u3057\u3044\u5206\u91ce\u3067\u3057\u305f\u3002\u305d\u306e\u6210\u9577\u3076\u308a\u306f\u3059\u3055\u307e\u3058\u304f\u3001\u6587\u5b57\u901a\u308a\u6570\u767e\u30dd\u30a4\u30f3\u30c8\u3082\u4f38\u3073\u3066\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>\u305d\u306e\u305f\u3081\u3001\u305d\u306e\u6210\u9577\u3082\u4e0b\u304c\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u5148\u307b\u3069\u7533\u3057\u4e0a\u3052\u305f\u3088\u3046\u306b\u3001\u7b2c3\u56db\u534a\u671f\u3067\u3082\u307e\u3060\u6210\u9577\u3057\u3066\u3044\u307e\u3059\u3002\u524d\u5e74\u540c\u671f\u6bd4\u30673\u500d\u306e\u6210\u9577\u3092\u9042\u3052\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u975e\u5e38\u306b\u5065\u5168\u306a\u6210\u9577\u304c\u7d9a\u3044\u3066\u3044\u307e\u3059\u304c\u3001\u4ee5\u524d\u306e\u56db\u534a\u671f\u306e\u3088\u3046\u306b4\u500d\u30015\u500d\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>Michael Ng &#8212; Goldman Sachs &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u7d20\u6674\u3089\u3057\u3044\u3002\u8a73\u7d30\u306a\u60c5\u5831\u3092\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u3068\u3066\u3082\u52a9\u304b\u308a\u307e\u3059\u3002<\/p>\n<p>Mike Milotich &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u6b21\u306e\u8cea\u554f\u306fSMBC\u65e5\u8208\u8a3c\u5238\u306e\u30a2\u30f3\u30c9\u30ea\u30e5\u30fc\u30fb\u30d0\u30a6\u30c1\u3055\u3093\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/p>\n<p>\u30a2\u30f3\u30c9\u30ea\u30e5\u30fc\u30fb\u30d0\u30a6\u30c1 &#8212; SMBC\u65e5\u8208\u8a3c\u5238 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u304a\u6642\u9593\u3092\u3044\u305f\u3060\u304d\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u5f53\u56db\u534a\u671f\u306e\u8abf\u6574\u5f8cEBITDA\u30de\u30fc\u30b8\u30f3\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306b\u3064\u3044\u3066\u89e6\u308c\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u30de\u30a4\u30af\u3001\u3042\u306a\u305f\u306f\u30bf\u30fc\u30b2\u30c3\u30c8\u3068\u3059\u308b\u96c7\u7528\u3068\u3055\u307e\u3056\u307e\u306a\u52b9\u7387\u5316\u306b\u3064\u3044\u3066\u8a00\u53ca\u3057\u307e\u3057\u305f\u3002\u30b7\u30ea\u30b3\u30f3\u30d0\u30ec\u30fc\u3067\u76ee\u306b\u3057\u305f\u3044\u304f\u3064\u304b\u306e\u898b\u51fa\u3057\u306f\u3001\u304a\u305d\u3089\u304f6\uff5e9\u30ab\u6708\u524d\u3088\u308a\u3082\u4eca\u65e5\u306e\u65b9\u304c\u6709\u5229\u306a\u96c7\u7528\u74b0\u5883\u3092\u63d0\u793a\u3057\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u305d\u308c\u3092\u3069\u306e\u3088\u3046\u306b\u53cd\u6620\u3055\u305b\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u30de\u30a4\u30af\u30fb\u30df\u30ed\u30c6\u30a3\u30c3\u30c1 &#8212; 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Bauch &#8212; SMBC\u65e5\u8208\u8a3c\u5238 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3064\u307e\u308a\u3001\u6700\u4f4e\u3067\u3082\u3001\u8fd1\u3044\u5c06\u6765\u304b\u3089\u4e2d\u671f\u7684\u306b\u5831\u916c\u304c\u5897\u52a0\u3059\u308b\u3053\u3068\u3092\u671f\u5f85\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002<\/p>\n<p>Mike Milotich &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u3002\u3055\u3089\u306b\u3001\u3053\u308c\u306f\u975e\u5e38\u306b\u6709\u76ca\u306a\u3053\u3068\u3067\u3059\u304c\u3001\u5f93\u696d\u54e1\u306e\u6e1b\u5c11\u3082\u671f\u5f85\u3067\u304d\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u591a\u304f\u306e\u4eba\u304c\u96c7\u7528\u3092\u671b\u3093\u3067\u3044\u307e\u3059\u3002\u3053\u3053\u6570\u5e74\u306e\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u5927\u304d\u306a\u90e8\u5206\u3092\u62c5\u3063\u3066\u304d\u305f\u3001\u975e\u5e38\u306b\u512a\u79c0\u306a\u4eba\u6750\u304c\u305f\u304f\u3055\u3093\u3044\u307e\u3059\u3002<\/p>\n<p>\u3067\u3059\u304b\u3089\u3001\u305d\u306e\u30ce\u30a6\u30cf\u30a6\u3084\u7d4c\u9a13\u3092\u6b32\u3057\u304c\u3063\u3066\u3044\u308b\u7af6\u5408\u4ed6\u793e\u306f\u305f\u304f\u3055\u3093\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u79c1\u305f\u3061\u304c\u671f\u5f85\u3059\u308b\u5927\u304d\u306a\u30e1\u30ea\u30c3\u30c8\u3067\u3059\u3002\u91cd\u8981\u306a\u4eba\u6750\u3092\u3088\u308a\u3088\u304f\u7dad\u6301\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308c\u3070\u30012023\u5e74\u306b\u306f\u5fc5\u305a\u5f79\u306b\u7acb\u3061\u307e\u3059\u3002<\/p>\n<p>\u30a2\u30f3\u30c9\u30ea\u30e5\u30fc\u30fb\u30d0\u30a6\u30c1 &#8212; SMBC\u65e5\u8208\u8a3c\u5238 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u305d\u308c\u306f\u7d20\u6674\u3089\u3057\u3044\u3053\u3068\u3067\u3001\u3055\u3089\u306a\u308b\u8272\u4ed8\u3051\u306b\u611f\u8b1d\u3057\u307e\u3059\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\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\u3002<\/p>\n<p>\u30dc\u30d6\u30fb\u30ca\u30dd\u30ea &#8212; \u30a6\u30a3\u30ea\u30a2\u30e0\u30fb\u30d6\u30ec\u30a2\u30fb\u30a2\u30f3\u30c9\u30fb\u30ab\u30f3\u30d1\u30cb\u30fc &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u7d20\u6674\u3089\u3057\u3044 \u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059 \u3053\u3093\u306b\u3061\u306f\u3001\u30b8\u30a7\u30a4\u30bd\u30f3\u3001\u30de\u30a4\u30af\u3001\u30c1\u30fc\u30e0 \u3044\u3044\u6570\u5b57\u3067\u3059\u306d\u3002<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u3001\u6b63\u793e\u54e1\u306eCEO\u63a2\u3057\u306b\u3064\u3044\u3066\u3001\u6700\u65b0\u60c5\u5831\u3092\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002\u4eca\u306e\u3068\u3053\u308d\u3001\u304b\u306a\u308a\u7a4d\u6975\u7684\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u308b\u3088\u3046\u306b\u898b\u3048\u307e\u3059\u304c\u3001\u3044\u304b\u304c\u3067\u3057\u3087\u3046\u304b\uff1f\u305d\u308c\u304b\u3089\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u3064\u3044\u3066\u3069\u3046\u304a\u8003\u3048\u3067\u3059\u304b\uff1f\u3053\u306e\u5206\u91ce\u3067\u306e\u8cb7\u53ce\u306f\u3042\u308a\u305d\u3046\u3067\u3059\u304b\uff1f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>Jason Gardner &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u305d\u3046\u3067\u3059\u306d\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u79c1\u306f\u65e5\u3005\u306e\u696d\u52d9\u306b\u975e\u5e38\u306b\u5f93\u4e8b\u3057\u3066\u3044\u307e\u3059\u3002\u79c1\u306f\u3053\u306e\u4f1a\u793e\u3092\u611b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>12\u5e74\u4ee5\u4e0a\u7d4c\u55b6\u3057\u3066\u3044\u307e\u3059\u3002CEO\u63a2\u3057\u306b\u95a2\u3057\u3066\u306f\u3001\u3053\u306e\u6570\u30ab\u6708\u9593\u3001\u3055\u307e\u3056\u307e\u306a\u5019\u88dc\u8005\u306b\u4f1a\u3063\u3066\u304d\u307e\u3057\u305f\u3002\u79c1\u306f\u53d6\u7de0\u5f79\u4f1a\u3084\u7d4c\u55b6\u9663\u3068\u7dca\u5bc6\u306b\u9023\u643a\u3057\u3066\u3001\u3055\u307e\u3056\u307e\u306a\u7d4c\u6b74\u3092\u6301\u3064\u5019\u88dc\u8005\u3068\u5e45\u5e83\u304f\u4f1a\u3063\u3066\u304d\u307e\u3057\u305f\u3002\u305d\u3057\u3066\u79c1\u306f\u3001\u3053\u306e\u4f1a\u793e\u30921\u304b\u3089\u7121\u9650\u3078\u3068\u5c0e\u304f\u6b21\u671fCEO\u3068\u306a\u308b\u4eba\u7269\u3092\u3001\u4eca\u4e00\u5ea6\u63a2\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u79c1\u306f\u4f1a\u793e\u3092\u30bc\u30ed\u304b\u3089\u30a4\u30c1\u306b\u5c0e\u3044\u3066\u304d\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f\u6700\u9ad8\u306e\u4eba\u6750\u3092\u96c7\u3044\u305f\u3044\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3057\u3001\u3044\u3064\u304b\u306f\u305d\u3046\u3059\u308b\u3064\u3082\u308a\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u4eba\u6750\u63a2\u3057\u306b\u3064\u3044\u3066\u306f\u3001\u305d\u308c\u304c\u6c7a\u307e\u308c\u3070\u304a\u4f1d\u3048\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u306b\u3064\u3044\u3066\u3002<\/p>\n<p>\u3067\u3059\u304b\u3089\u3001\u7d76\u5bfe\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u306e\u5206\u91ce\u3067\u3044\u308d\u3044\u308d\u306a\u4f1a\u793e\u3092\u898b\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u9593\u9055\u3044\u306a\u304fMarqeta\u306e\u672a\u6765\u3060\u3068\u8003\u3048\u3066\u304a\u308a\u3001\u79c1\u305f\u3061\u306f\u304b\u306a\u308a\u5927\u898f\u6a21\u306a\u6295\u8cc7\u3092\u884c\u3063\u3066\u304d\u307e\u3057\u305f\u3002\u79c1\u305f\u3061\u306f\u7d044\u5e74\u524d\u306b\u30af\u30ec\u30b8\u30c3\u30c8\u5206\u91ce\u3078\u306e\u53c2\u5165\u3092\u958b\u59cb\u3057\u307e\u3057\u305f\u3002\u73fe\u5728\u3067\u306f\u3001Greenlight\u306e\u3088\u3046\u306b\u7a3c\u50cd\u3057\u3001\u5229\u7528\u3057\u3066\u3044\u308b\u304a\u5ba2\u69d8\u3092\u898b\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u79c1\u305f\u3061\u306f\u3001\u3053\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3068\u5f7c\u3089\u306e\u6210\u529f\u306e\u53ef\u80fd\u6027\u306b\u8208\u596e\u3057\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u3053\u306e\u3088\u3046\u306a\u72b6\u6cc1\u3092\u307e\u3059\u307e\u3059\u76ee\u306e\u5f53\u305f\u308a\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e4\u30015\u5e74\u306e\u9593\u306b\u3001\u672c\u5f53\u306b\u305f\u304f\u3055\u3093\u306e\u4f01\u696d\u304c\u7acb\u3061\u4e0a\u304c\u308a\u307e\u3057\u305f\u3002\u79c1\u305f\u3061\u306f\u3001\u6700\u9ad8\u306e\u4eba\u6750\u3001\u6700\u9ad8\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3001\u79c1\u305f\u3061\u306e\u4fa1\u5024\u89b3\u3068\u306e\u9069\u5408\u6027\u3001\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\u3084\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u69cb\u7bc9\u65b9\u6cd5\u3001\u305d\u3057\u3066\u305d\u308c\u304c\u79c1\u305f\u3061\u306e\u4fa1\u5024\u89b3\u3084\u4eba\u6750\u306e\u8cea\u3068\u3046\u307e\u304f\u9069\u5408\u3059\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3059\u308b\u305f\u3081\u306b\u3001\u3055\u307e\u3056\u307e\u306a\u30d3\u30b8\u30cd\u30b9\u3092\u898b\u3066\u304d\u307e\u3057\u305f\u3002<\/p>\n<p>\u73fe\u5728\u3001\u5e02\u5834\u306b\u306f\u3055\u307e\u3056\u307e\u306a\u9078\u629e\u80a2\u304c\u3042\u308a\u3001\u691c\u8a0e\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u3053\u306e\u5148\u6210\u529f\u3059\u308b\u9053\u7b4b\u304c\u898b\u3064\u304b\u308c\u3070\u3001\u3059\u3050\u306b\u767a\u8868\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>Bob Napoli &#8212; William Blair and Company &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3001\u30b8\u30a7\u30a4\u30bd\u30f3\u3002<\/p>\n<p>\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u7686\u69d8\u3001\u8cea\u7591\u5fdc\u7b54\u306f\u3053\u3053\u307e\u3067\u3068\u3055\u305b\u3066\u3044\u305f\u3060\u304d\u307e\u3059\u3002\u305d\u308c\u3067\u306f\u3001\u5275\u696d\u8005\u517cCEO\u306e\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc\u304b\u3089\u7de0\u3081\u306e\u30b3\u30e1\u30f3\u30c8\u3092\u3044\u305f\u3060\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n<p>\u3055\u3066\u3001\u7686\u3055\u3093\u3001Marqeta\u306e2022\u5e74\u7b2c3\u56db\u534a\u671f\u306e\u6c7a\u7b97\u8aac\u660e\u4f1a\u306b\u3054\u53c2\u52a0\u3044\u305f\u3060\u304d\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u7d20\u6674\u3089\u3057\u3044\u5e74\u306e\u6b8b\u308a\u3092\u304a\u904e\u3054\u3057\u304f\u3060\u3055\u3044\u30022023\u5e74\u306b\u7686\u3055\u3093\u3068\u304a\u8a71\u3067\u304d\u308b\u3053\u3068\u3092\u697d\u3057\u307f\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u304a\u5143\u6c17\u3067\u3002<\/p>\n<p>\u30de\u30a4\u30af\u30fb\u30df\u30ed\u30c6\u30a3\u30c3\u30c1 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n<p>\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\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<p>\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<p>\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<p>\u2193\u2193\uff1c\u5fdc\u63f4\u30af\u30ea\u30c3\u30af\u304a\u9858\u3044\u3057\u307e\u3059\uff1e<\/p>\n<p><a href=\"https:\/\/stock.blogmura.com\/ranking\/in?p_cid=11122923\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/b.blogmura.com\/stock\/88_31.gif\" alt=\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751 \u682a\u30d6\u30ed\u30b0\u3078\" width=\"88\" height=\"31\" border=\"0\"><\/a><br \/>\n<a href=\"https:\/\/stock.blogmura.com\/ranking\/in?p_cid=11122923\" target=\"_blank\" rel=\"noopener\">\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n<p><a href=\"https:\/\/stock.blogmura.com\/stockinfo\/ranking\/in?p_cid=11122923\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/b.blogmura.com\/stock\/stockinfo\/88_31.gif\" alt=\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751 \u682a\u30d6\u30ed\u30b0 \u682a\u5f0f\u6295\u8cc7\u60c5\u5831\u3078\" width=\"88\" height=\"31\" border=\"0\"><\/a><br \/>\n<a href=\"https:\/\/stock.blogmura.com\/stockinfo\/ranking\/in?p_cid=11122923\" target=\"_blank\" rel=\"noopener\">\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n<p><a href=\"https:\/\/stock.blogmura.com\/americastock\/ranking\/in?p_cid=11122923\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/b.blogmura.com\/stock\/americastock\/88_31.gif\" alt=\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751 \u682a\u30d6\u30ed\u30b0 \u7c73\u56fd\u682a\u3078\" width=\"88\" height=\"31\" border=\"0\"><\/a><br \/>\n<a href=\"https:\/\/stock.blogmura.com\/americastock\/ranking\/in?p_cid=11122923\" target=\"_blank\" rel=\"noopener\">\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n<p><a href=\"https:\/\/stock.blogmura.com\/tenbagger\/ranking\/in?p_cid=11122923\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/b.blogmura.com\/stock\/tenbagger\/88_31.gif\" alt=\"\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751 \u682a\u30d6\u30ed\u30b0 \u30c6\u30f3\u30d0\u30ac\u30fc\u3078\" width=\"88\" height=\"31\" border=\"0\"><\/a><br \/>\n<a href=\"https:\/\/stock.blogmura.com\/tenbagger\/ranking\/in?p_cid=11122923\" target=\"_blank\" rel=\"noopener\">\u306b\u307b\u3093\u30d6\u30ed\u30b0\u6751<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30de\u30eb\u30b1\u30bf(MQ)2022\u5e74\u7b2c3\u56db\u534a\u671f\u6c7a\u7b97\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002 EPS\u304c\u3088\u304f\u306a\u3044\u3067\u3059\u306d\u3002IPO\u6642\u306f\u6ce8\u76ee\u3055\u308c\u3066\u307e\u3057\u305f\u3051\u3069\u4eca\u3067\u306f\u682a\u4fa1\u306f\u898b\u308b\u5f71\u3082\u306a\u3044\u3050\u3089\u3044\u843d\u3061\u3066\u3057\u307e\u3063\u3066\u307e\u3059\u3002\u3082\u3046\u5c11\u3057\u826f\u3044\u6c7a\u7b97\u3092\u671f\u5f85\u3057\u305f\u3044\u3067\u3059\u306d\u3002 \u58f2\u308a\u4e0a\u3052\u6210\u9577\u3082\u7269\u8db3\u308a &#8230; 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