{"id":227,"date":"2021-08-30T21:06:59","date_gmt":"2021-08-30T12:06:59","guid":{"rendered":"https:\/\/1up-life.blog\/?p=227"},"modified":"2021-09-25T12:00:20","modified_gmt":"2021-09-25T03:00:20","slug":"%e3%80%90%e5%92%8c%e8%a8%b3%e3%80%91%e3%83%9e%e3%83%ab%e3%82%b1%e3%82%bf%ef%bc%88marqeta-inc-nasdaqmq2021%e5%b9%b4%e7%ac%ac2%e5%9b%9b%e5%8d%8a%e6%9c%9f%e6%b1%ba%e7%ae%97%e8%aa%ac%e6%98%8e","status":"publish","type":"post","link":"https:\/\/1up-life.blog\/?p=227","title":{"rendered":"\u3010\u548c\u8a33\u3011\u30de\u30eb\u30b1\u30bf\uff08Marqeta, Inc. (NASDAQ:MQ)2021\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\uff08\u30ab\u30f3\u30d5\u30a1\u30ec\u30f3\u30b9\u30b3\u30fc\u30eb\uff09"},"content":{"rendered":"<p class=\"hh hh3 main-bdr\"><span class=\"sobig\"><strong>2021\u5e74\u7b2c2\u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a<\/strong><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u30de\u30eb\u30b1\u30bf\uff08Marqeta, Inc. 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style=\"font-weight: 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400;\">\u3053\u306e\u3088\u3046\u306a3\u3064\u306e\u8ffd\u3044\u98a8\u3068\u300111\u5e74\u4ee5\u4e0a\u306b\u308f\u305f\u308b\u7d4c\u9a13\u304b\u3089\u3001\u79c1\u305f\u3061\u306f\u30e2\u30c0\u30f3\u30ab\u30fc\u30c9\u767a\u884c\u306e\u30ea\u30fc\u30c0\u30fc\u3068\u3057\u3066\u306e\u5730\u4f4d\u3092\u3055\u3089\u306b\u62e1\u5927\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u78ba\u4fe1\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u307e\u3067\u9054\u6210\u3057\u3066\u304d\u305f\u4ed5\u4e8b\u3084\u3001\u4eca\u5f8c\u3082\u4e16\u4ee3\u3092\u8d85\u3048\u305f\u30d3\u30b8\u30cd\u30b9\u3092\u76ee\u6307\u3057\u3066\u3044\u304f\u305f\u3081\u306b\u306f\u3001Marqetans\u304c\u4eba\u751f\u3067\u6700\u9ad8\u306e\u4ed5\u4e8b\u304c\u3067\u304d\u308b\u3088\u3046\u306a\u96f0\u56f2\u6c17\u3092\u4f5c\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002\u305d\u306e\u305f\u3081\u306b\u3001\u6700\u8fd1\u3001\u30c0\u30ec\u30f3\u30fb\u30e2\u30a6\u30ea\u30fc\uff08\u6700\u9ad8\u53ce\u76ca\u8cac\u4efb\u8005\uff09\u3068\u30e9\u30f3\u30c7\u30a3\u30fb\u30ab\u30fc\u30f3\uff08\u6700\u9ad8\u6280\u8853\u8cac\u4efb\u8005\uff09\u3068\u3044\u30462\u4eba\u306e\u65b0\u3057\u3044\u30ea\u30fc\u30c0\u30fc\u3092\u7d4c\u55b6\u9663\u306b\u52a0\u3048\u307e\u3057\u305f\u3002\u30c0\u30ec\u30f3\u3068\u30e9\u30f3\u30c7\u30a3\u306f\u3068\u3082\u306b\u3001\u5927\u898f\u6a21\u306a\u30a8\u30f3\u30bf\u30fc\u30d7\u30e9\u30a4\u30ba\u30d3\u30b8\u30cd\u30b9\u306e\u62e1\u5927\u306b\u304a\u3044\u3066\u3001\u591a\u5927\u306a\u5b9f\u52d9\u7d4c\u9a13\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span 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style=\"font-weight: 400;\">\u5168\u4f53\u3068\u3057\u3066\u3001GAAP\u30d9\u30fc\u30b9\u306e\u7d14\u640d\u5931\u306f6,900\u4e07\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u4eba\u6750\u3068\u6280\u8853\u306b\u5bfe\u3059\u308b\u7d99\u7d9a\u7684\u306a\u6295\u8cc7\u306b\u3088\u308b\u3082\u306e\u3067\u3001\u682a\u5f0f\u30d9\u30fc\u30b9\u306e\u5831\u916c5,600\u4e07\u30c9\u30eb\u304c\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u682a\u5f0f\u306e\u58f2\u51fa\u3057\u306b\u3068\u3082\u306a\u3046\u682a\u5f0f\u5831\u916c\u3068\u3057\u3066580\u4e07\u30c9\u30eb\u3092\u8a08\u4e0a\u3057\u307e\u3057\u305f\u304c\u3001\u3053\u308c\u306f\u975e\u7d4c\u5e38\u7684\u306a\u3082\u306e\u3068\u8003\u3048\u3089\u308c\u307e\u3059\u3002\u975eGAAP\u30d9\u30fc\u30b9\u3067\u306f\u3001\u5f53\u56db\u534a\u671f\u306e\u8abf\u6574\u5f8cEBITDA\u306f\u30012020\u5e74\u540c\u671f\u306e300\u4e07\u30c9\u30eb\u306e\u640d\u5931\u306b\u5bfe\u3057\u30011,060\u4e07\u30c9\u30eb\u306e\u640d\u5931\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u3053\u306e\u6210\u9577\u306f\u3001\u5c06\u6765\u306e\u6210\u9577\u3092\u652f\u3048\u308b\u305f\u3081\u306b\u4e8b\u696d\u306b\u518d\u6295\u8cc7\u3059\u308b\u305f\u3081\u306e\u5831\u916c\u95a2\u9023\u8cbb\u7528\u304c\u4e3b\u306a\u8981\u56e0\u3067\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6ce8\u8a18\u3068\u3057\u3066\u3001\u5f53\u793e\u306f\u8abf\u6574\u5f8c\u306eEBITDA\u3092\u5f53\u793e\u306e\u55b6\u696d\u5229\u76ca\u7387\u3092\u793a\u3059\u6709\u7528\u306a\u6307\u6a19\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u5f53\u56db\u534a\u671f\u306e\u73fe\u91d1\u304a\u3088\u3073\u6709\u4fa1\u8a3c\u5238\u306e\u6d41\u52d5\u6027\u306f17\u5104\u30c9\u30eb\u3092\u8d85\u3048\u307e\u3057\u305f\u3002\u3053\u306e\u6d41\u52d5\u6027\u306e\u3046\u3061\u7d0413\u5104\u30c9\u30eb\u306f\u3001\u65b0\u898f\u682a\u5f0f\u516c\u958b\u3067\u8abf\u9054\u3057\u305f\u8cc7\u91d1\u306b\u3088\u308b\u3082\u306e\u3067\u3059\u3002\u30b8\u30a7\u30a4\u30bd\u30f3\u304c\u5192\u982d\u3067\u8ff0\u3079\u305f\u3088\u3046\u306b\u3001\u5f53\u793e\u306f\u5927\u304d\u306a\u30a2\u30c9\u30ec\u30b9\u53ef\u80fd\u306a\u5e02\u5834\u306e\u8868\u9762\u3092\u306a\u305e\u3063\u3066\u3044\u308b\u306b\u904e\u304e\u307e\u305b\u3093\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3057\u305f\u304c\u3063\u3066\u3001\u3053\u306e\u6a5f\u4f1a\u3092\u751f\u304b\u3059\u305f\u3081\u306e\u6700\u5584\u306e\u65b9\u6cd5\u306f\u3001\u88fd\u54c1\u3001\u6280\u8853\u3001\u4eba\u6750\u306b\u6295\u8cc7\u3059\u308b\u3053\u3068\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u6b21\u306f\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u79fb\u308a\u307e\u3059\u3002\u30d7\u30ec\u30b9\u30ea\u30ea\u30fc\u30b9\u306b\u3082\u8a18\u8f09\u3057\u307e\u3057\u305f\u304c\u3001\u73fe\u5728\u306e\u60f3\u5b9a\u306b\u57fa\u3065\u304d\u30012021\u5e74\u5ea6\u7b2c3\u56db\u534a\u671f\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u4ee5\u4e0b\u306e\u901a\u308a\u304a\u77e5\u3089\u305b\u3057\u307e\u3059\u3002\u5f53\u56db\u534a\u671f\u306e\u7d14\u53ce\u76ca\u306f\u30011\u51041,400\u4e07\u30c9\u30eb\u304b\u30891\u51041,900\u4e07\u30c9\u30eb\u306e\u7bc4\u56f2\u3068\u306a\u308b\u898b\u8fbc\u307f\u3067\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u4e2d\u9593\u70b9\u3067\u306f\u3001\u524d\u5e74\u540c\u671f\u6bd4\u306738\uff05\u306e\u6210\u9577\u3068\u306a\u308a\u307e\u3059\u3002\u8abf\u6574\u5f8cEBITDA\u306f\u30011,600\u4e07\u30c9\u30eb\u306e\u30de\u30a4\u30ca\u30b9\u304b\u30891,300\u4e07\u30c9\u30eb\u306e\u30de\u30a4\u30ca\u30b9\u306e\u7bc4\u56f2\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u7b2c2\u56db\u534a\u671f\u306f\u3001\u4e88\u60f3\u3092\u4e0a\u56de\u308b\u597d\u8abf\u306a\u56db\u534a\u671f\u3067\u3057\u305f\u3002\u7b2c3\u56db\u534a\u671f\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3068BNPL\u306e\u5782\u76f4\u8ef8\u306e\u7d99\u7d9a\u7684\u306a\u5f37\u3055\u304c\u53cd\u6620\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u7b2c2\u56db\u534a\u671f\u306e\u7d14\u53ce\u76ca\u306b\u306f\u3001\u5148\u307b\u3069\u8ff0\u3079\u305f\u3088\u3046\u306b\u3001\u7d0d\u7a0e\u30b7\u30fc\u30ba\u30f3\u306e\u9045\u308c\u306b\u3088\u308b\u4e00\u6642\u7684\u306a\u5229\u76ca\u304c\u542b\u307e\u308c\u3066\u3044\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u4e00\u6642\u7684\u306a\u5229\u76ca\u3092\u8003\u616e\u3057\u3066\u7b2c2\u56db\u534a\u671f\u3092\u6b63\u898f\u5316\u3059\u308b\u3068\u30012021\u5e74\u7b2c3\u56db\u534a\u671f\u306e\u7d14\u58f2\u4e0a\u9ad8\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306f\u524d\u56db\u534a\u671f\u6bd4\u3067\u5897\u52a0\u3057\u305f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306e\u7d14\u58f2\u4e0a\u9ad8\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306e\u4e2d\u9593\u5024\u306f\u30012020\u5e74\u7b2c3\u56db\u534a\u671f\u306e\u523a\u6fc0\u304b\u30891\u5e74\u304c\u7d4c\u904e\u3059\u308b\u305f\u3081\u3001\u524d\u5e74\u540c\u671f\u6bd4\u306738\uff05\u306e\u6210\u9577\u3068\u306a\u308a\u307e\u3059\u3002\u5f53\u56db\u534a\u671f\u306e\u7d14\u58f2\u4e0a\u9ad8\u306e\u4e2d\u9593\u5024\u306f\u30012020\u5e74\u7b2c3\u56db\u534a\u671f\u306e\u666f\u6c17\u523a\u6fc0\u7b56\u304b\u30891\u5e74\u304c\u7d4c\u904e\u3059\u308b\u3053\u3068\u304b\u3089\u3001\u524d\u5e74\u540c\u671f\u6bd4\u306738\uff05\u306e\u6210\u9577\u3068\u3057\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3055\u3089\u306b\u3001\u8abf\u6574\u5f8c\u306eEBITDA\u30ac\u30a4\u30c0\u30f3\u30b9\u3067\u306f\u3001\u4e3b\u306b\u88fd\u54c1\u304a\u3088\u3073\u6280\u8853\u30c1\u30fc\u30e0\u306b\u4eba\u6750\u3092\u8ffd\u52a0\u3059\u308b\u305f\u3081\u306e\u4eba\u54e1\u5897\u3092\u8003\u616e\u3057\u3066\u3044\u307e\u3059\u3002\u7b2c4\u56db\u534a\u671f\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306f\u767a\u8868\u3057\u3066\u3044\u307e\u305b\u3093\u304c\u3001\u8ffd\u52a0\u60c5\u5831\u3092\u63d0\u4f9b\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u3053\u308c\u307e\u3067\u306e\u3068\u3053\u308d\u3001\u7b2c4\u56db\u534a\u671f\u306e\u30db\u30ea\u30c7\u30fc\u30b7\u30fc\u30ba\u30f3\u306b\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3084\u300cBuy Now Pay Later\uff08\u4eca\u3059\u3050\u304a\u91d1\u3092\u6255\u3046\uff09\u300d\u306a\u3069\u306e\u5206\u91ce\u3067\u500b\u4eba\u6d88\u8cbb\u306e\u5897\u52a0\u304c\u898b\u3089\u308c\u3001\u7b2c4\u56db\u534a\u671f\u306b\u306f\u30d7\u30e9\u30b9\u306e\u52b9\u679c\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u4f8b\u5e74\u3001\u65c5\u884c\u306b\u3088\u308b\u7d4c\u8cbb\u7ba1\u7406\u90e8\u9580\u306e\u5897\u52a0\u3082\u898b\u3089\u308c\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3057\u304b\u3057\u3001COVID\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306e\u5f71\u97ff\u3067\u5909\u5316\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u8003\u616e\u3057\u3001\u614e\u91cd\u306b\u5bfe\u5fdc\u3057\u3066\u3044\u307e\u3059\u3002\u4ee5\u4e0a\u306e\u3088\u3046\u306b\u3001\u7b2c2\u56db\u534a\u671f\u306f\u5168\u4f53\u7684\u306b\u975e\u5e38\u306b\u597d\u8abf\u3067\u3042\u308a\u3001\u4eca\u5f8c\u306e\u56db\u534a\u671f\u3001\u304a\u5ba2\u69d8\u3001\u305d\u3057\u3066\u6700\u65b0\u306e\u30ab\u30fc\u30c9\u767a\u884c\u306e\u6a5f\u4f1a\u306b\u3064\u3044\u3066\u975e\u5e38\u306b\u697d\u89b3\u7684\u306b\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u3067\u306f\u3001\u8cea\u7591\u5fdc\u7b54\u306e\u305f\u3081\u306b\u96fb\u8a71\u3092\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u306b\u304a\u6e21\u3057\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p class=\"hh hh6 main-c main-bdr\"><span class=\"sobig\"><strong>\u8cea\u7591\u5fdc\u7b54<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002[\u6700\u521d\u306e\u8cea\u554f\u306fJ.P.\u30e2\u30eb\u30ac\u30f3\u306eTien-Tsin Huang\u3055\u3093\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tien-Tsin Huang &#8212; J.P.\u30e2\u30eb\u30ac\u30f3 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3069\u3046\u3082\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3053\u3053\u3067\u306e\u6700\u521d\u306e\u516c\u958b\u96fb\u8a71\u4f1a\u8b70\u3068\u5927\u304d\u306a\u6210\u9577\u306b\u304a\u795d\u3044\u3092\u7533\u3057\u4e0a\u3052\u307e\u3059\u3002\u304a\u805e\u304d\u3057\u305f\u3044\u3053\u3068\u304c\u3042\u308b\u306e\u3067\u3059\u304c\u3001\u5168\u4f53\u7684\u306a\u696d\u7e3e\u306f\u4e88\u60f3\u3092\u697d\u306b\u4e0a\u56de\u3063\u3066\u3044\u307e\u3059\u3002\u305f\u3060\u3001\u5358\u7d14\u306b\u304a\u805e\u304d\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3001\u58f2\u4e0a\u9ad8\u306f\u524d\u56db\u534a\u671f\u6bd4\u3067\u5927\u5e45\u306b\u5897\u52a0\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u58f2\u4e0a\u7dcf\u5229\u76ca\u306f\u524d\u56db\u534a\u671f\u6bd4\u3067\u308f\u305a\u304b\u306b\u6e1b\u5c11\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u306e\u9055\u3044\u3092\u4e00\u8a00\u3067\u8a00\u3046\u3068\u4f55\u3067\u3057\u3087\u3046\u304b\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30c8\u30ea\u30c3\u30d7\u30fb\u30d5\u30a7\u30a4\u30af\u30b9 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tien-Tsin\u3055\u3093\u3001\u3054\u8cea\u554f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u30c8\u30c3\u30d7\u30e9\u30a4\u30f3\u3067\u306f\u30013\u3064\u306e\u8981\u56e0\u306b\u3088\u3063\u3066\u696d\u7e3e\u304c\u5411\u4e0a\u3057\u307e\u3057\u305f\u30021\u3064\u76ee\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u5206\u91ce\u304c\u5f15\u304d\u7d9a\u304d\u597d\u8abf\u3060\u3063\u305f\u3053\u3068\u30022\u3064\u76ee\u306fBNPL\u3067\u3001\u524d\u5e74\u540c\u671f\u6bd4350\uff05\u306e\u6210\u9577\u3092\u9054\u6210\u3057\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">3\u3064\u76ee\u306f\u8cbb\u7528\u7ba1\u7406\u3067\u3001\u524d\u5e74\u6bd4100\uff05\u306e\u6210\u9577\u3092\u9054\u6210\u3057\u307e\u3057\u305f\u3002\u6700\u521d\u306e\u8cea\u554f\u306e\u7b54\u3048\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u304b\uff1f\u6b21\u306b\u58f2\u4e0a\u7dcf\u5229\u76ca\u7387\u306e\u8a71\u3092\u3057\u3066\u3082\u3088\u308d\u3057\u3044\u3067\u3059\u304b\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tien-Tsin Huang &#8212; J.P. Morgan &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u306f\u3044\u3001\u3082\u3061\u308d\u3093\u3067\u3059\u3002\u7d9a\u3044\u3066\u3001\u58f2\u4e0a\u7dcf\u5229\u76ca\u306e\u65b9\u3067\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30c8\u30ea\u30c3\u30d7\u30fb\u30d5\u30a7\u30a4\u30af\u30b9 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u306f\u3044\u3001\u307e\u305a\u7c97\u5229\u76ca\u306e\u89b3\u70b9\u304b\u3089\u7533\u3057\u4e0a\u3052\u307e\u3059\u3068\u3001\u7b2c3\u56db\u534a\u671f\u306e\u5b9f\u7e3e\u306f\u3001\u76ee\u6a19\u3068\u3057\u3066\u3044\u305f40\uff05\u304b\u308945\uff05\u306b\u6cbf\u3063\u305f\u3082\u306e\u306b\u306a\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u7b2c1\u56db\u534a\u671f\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304b\u3089\u306e\u5e74\u9593\u7d99\u7d9a\u7684\u306a\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u652f\u6255\u3044\u306b\u3088\u308a\u3001\u58f2\u4e0a\u7dcf\u5229\u76ca\u7387\u304c2\u30013\u30dd\u30a4\u30f3\u30c8\u4e0a\u6607\u3057\u307e\u3057\u305f\u3002\u7b2c2\u56db\u534a\u671f\u306b\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u6599\u306e\u5897\u52a0\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30fb\u30d5\u30a3\u30fc\u306f\u3001\u52a0\u76df\u5e97\u3001NCC\u30b3\u30fc\u30c9\u3001\u53d6\u5f15\u30bf\u30a4\u30d7\u3001\u30ab\u30fc\u30c9\u30fb\u30ce\u30c3\u30c8\u30fb\u30d7\u30ec\u30bb\u30f3\u30c8\u306a\u3069\u306b\u3088\u3063\u3066\u5927\u304d\u304f\u7570\u306a\u308a\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u5f53\u56db\u534a\u671f\u306f\u3001ATM\u306e\u53f0\u6570\u304c\u5897\u52a0\u3057\u305f\u3053\u3068\u3082\u6307\u6458\u3057\u3066\u304a\u304d\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u3053\u3053\u3067\u306e\u6700\u3082\u91cd\u8981\u306a\u30e1\u30c3\u30bb\u30fc\u30b8\u306f\u3001\u7b2c3\u56db\u534a\u671f\u306e\u696d\u7e3e\u306f\u3001\u5f53\u793e\u306e\u9577\u671f\u76ee\u6a19\u3067\u3042\u308b40\uff05\u304b\u308945\uff05\u306b\u6cbf\u3063\u305f\u3082\u306e\u306b\u306a\u308b\u3068\u78ba\u4fe1\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tien-Tsin Huang &#8212; J.P.\u30e2\u30eb\u30ac\u30f3 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u5148\u307b\u3069\u6307\u6458\u3055\u308c\u305f\u30cb\u30e5\u30a2\u30f3\u30b9\u304b\u3089\u306f\u96e2\u308c\u305f\u306e\u3067\u3059\u306d\u3002\u3044\u3044\u3048\u3001\u3068\u3066\u3082\u660e\u78ba\u3067\u3059\u3002\u3082\u3057\u3088\u308d\u3057\u3051\u308c\u3070\u3001\u30b8\u30a7\u30a4\u30bd\u30f3\u306b\u3082\u3046\u3072\u3068\u3064\u7c21\u5358\u306a\u30d5\u30a9\u30ed\u30fc\u30a2\u30c3\u30d7\u3092\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Buy Now Pay Later\u300d\u306b\u95a2\u3059\u308b\u9a5a\u304f\u3079\u304d\u7d71\u8a08\u3092\u8033\u306b\u3057\u307e\u3057\u305f\u3002\u7d14\u53ce\u76ca\u304c350\uff05\u30a2\u30c3\u30d7\u3057\u305f\u305d\u3046\u3067\u3059\u3002\u79c1\u306f\u305d\u308c\u3092\u6b63\u78ba\u306b\u7406\u89e3\u3059\u308b\u305f\u3081\u306b\u3001\u4f55\u5ea6\u3082\u8aad\u307f\u76f4\u3055\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u30b8\u30a7\u30a4\u30bd\u30f3\u3055\u3093\u306f\u3001\u591a\u304f\u306e\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3092\u76ee\u306b\u3057\u3066\u304d\u305f\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001Buy Now Pay Later\u306b\u3064\u3044\u3066\u306e\u304a\u8003\u3048\u3084\u3001\u3082\u3061\u308d\u3093Square\u3068Afterpay\u306e\u7d44\u307f\u5408\u308f\u305b\u304cMarqeta\u306b\u3068\u3063\u3066\u3069\u306e\u3088\u3046\u306a\u610f\u5473\u3092\u6301\u3064\u306e\u304b\u3001\u3054\u610f\u898b\u3092\u304a\u805e\u304b\u305b\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u8a2d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3054\u6307\u6458\u306e\u901a\u308a\u3001\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u306f\u3053\u306e\u3088\u3046\u306a\u4eba\u6c17\u304c\u898b\u3089\u308c\u307e\u3059\u3002Buy Now Pay Later\u306b\u95a2\u3057\u3066\u306f\u3001\u3053\u306e\u5206\u91ce\u306e\u53ce\u76ca\u306f2020\u5e74\u306e\u6bd4\u8f03\u56db\u534a\u671f\u304b\u3089350\uff05\u5897\u52a0\u3057\u3066\u3044\u307e\u3059\u3002Square\u3068Afterpay\u306f\u3001\u3069\u3061\u3089\u3082\u5275\u696d\u8005\u4e3b\u5c0e\u306e\u4f01\u696d\u3067\u3042\u308a\u3001\u7f8e\u3057\u3044\u9867\u5ba2\u4f53\u9a13\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u3053\u306e2\u793e\u306e\u53d6\u308a\u7d44\u307f\u306f\u3001Buy Now Pay Later\u306e\u4eba\u6c17\u3092\u8a3c\u660e\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u3053\u3068\u306f\u3001Buy Now Pay Later\u304c\u975e\u5e38\u306b\u4eba\u6c17\u306e\u3042\u308b\u6c7a\u6e08\u624b\u6bb5\u3067\u3042\u308a\u3001\u4eca\u5f8c\u3082\u7d99\u7d9a\u3059\u308b\u3068\u8003\u3048\u3066\u3044\u308b\u3053\u3068\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u307e\u305f\u3001\u3054\u5b58\u3058\u3060\u3068\u306f\u601d\u3044\u307e\u3059\u304c\u3001Klarna\u3001Affirm\u3001Sezle\u3082Marqeta\u306e\u9867\u5ba2\u3067\u3059\u3002\u4eca\u56de\u306e\u53d6\u5f15\u306f\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u30d0\u30ea\u30e5\u30fc\u30c1\u30a7\u30fc\u30f3\u306e\u3042\u3089\u3086\u308b\u90e8\u5206\u304c\u7834\u58ca\u3055\u308c\u308b\u3053\u3068\u3092\u7aef\u7684\u306b\u793a\u3057\u3066\u304a\u308a\u3001\u305d\u308c\u304c\u73fe\u4ee3\u306e\u30ab\u30fc\u30c9\u767a\u884c\u306e\u30ea\u30fc\u30c0\u30fc\u3068\u3057\u3066\u306e\u5f53\u793e\u306e\u5f37\u307f\u306b\u306a\u3063\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u30e8\u30fc\u30ed\u30c3\u30d1\u3067\u306f\u3001Klarna\u793e\u304cBuy Now Pay Later\u3092\u958b\u59cb\u3057\u305f\u306e\u3092\u76ee\u306e\u5f53\u305f\u308a\u306b\u3057\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u7c73\u56fd\u3067\u306fAffirm\u304c\u5c0e\u5165\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u307e\u305f\u3001\u7c73\u56fd\u3084\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u30b5\u30dd\u30fc\u30c8\u3057\u3066\u3044\u308bAfterpay\u3082\u6210\u9577\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001Marqeta\u306e\u9867\u5ba2\u3067\u3042\u308bAfterpay\u3068Square\u304c\u4e00\u7dd2\u306b\u306a\u3063\u305f\u3053\u3068\u306f\u975e\u5e38\u306b\u91cd\u8981\u3067\u3059\u3002\u307e\u305f\u3001Buy Now Pay Later\u306e\u5206\u91ce\u3067\u306f\u3001\u4eca\u5f8c\u3082\u6210\u9577\u304c\u7d9a\u304f\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tien-Tsin Huang &#8212; J.P. Morgan &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6b21\u306e\u8cea\u554f\u306f\u3001KeyBanc\u306eJosh Beck\u3055\u3093\u3067\u3059\u3002\u3069\u3046\u305e\u3001\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\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<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u8cea\u554f\u3092\u304a\u53d7\u3051\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u65b0\u305f\u306a\u4e0a\u5834\u4f01\u696d\u3068\u3057\u3066\u306e\u30b9\u30bf\u30fc\u30c8\u3092\u795d\u798f\u3044\u305f\u3057\u307e\u3059\u3002\u79c1\u306f\u3001\u30b0\u30fc\u30b0\u30eb\u306e\u767a\u8868\u3092\u805e\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3057\u305f\u3002\u660e\u3089\u304b\u306b\u3001\u975e\u5e38\u306b\u6ce8\u76ee\u5ea6\u306e\u9ad8\u3044\u52dd\u5229\u3067\u3059\u306d\u3002\u5f7c\u3089\u306f\u672c\u5f53\u306b\u7d20\u6674\u3089\u3057\u3044\u793e\u5185\u30ea\u30bd\u30fc\u30b9\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u306f\u3001\u4ed6\u306b\u3082\u591a\u304f\u306e\u4f01\u696d\u304c\u5165\u672d\u3057\u3066\u3044\u305f\u3068\u601d\u3044\u307e\u3059\u3002\u305d\u306e\u4e2d\u3067\u3001\u5fa1\u793e\u3092\u5dee\u5225\u5316\u3057\u3001\u4e21\u793e\u306b\u3068\u3063\u3066Win-Win\u306e\u95a2\u4fc2\u3092\u7bc9\u304f\u305f\u3081\u306b\u3001\u3069\u306e\u3088\u3046\u306a\u3053\u3068\u304c\u91cd\u8981\u3060\u3068\u304a\u8003\u3048\u306b\u306a\u308a\u307e\u3057\u305f\u3067\u3057\u3087\u3046\u304b\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Jason Gardner\uff08\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc\uff09\uff1a\u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3001\u30b8\u30e7\u30b7\u30e5\u3002\u307e\u305a\u3001\u73fe\u4ee3\u306e\u30ab\u30fc\u30c9\u767a\u884c\u306b\u304a\u3044\u3066\u306f\u3001\u5e02\u5834\u3067\u6700\u9ad8\u306e\u30c4\u30fc\u30eb\u3092\u4f7f\u7528\u3059\u308b\u3068\u3044\u3046\u5f7c\u3089\u306e\u4fe1\u5ff5\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3001\u305d\u3057\u3066\u7d4c\u9a13\u304c\u6700\u3082\u91cd\u8981\u3067\u3059\u3002\u304a\u3063\u3057\u3083\u308b\u3068\u304a\u308a\u3001Google\u306f\u4e16\u754c\u4e2d\u306e\u30ab\u30fc\u30c9\u767a\u884c\u3084\u51e6\u7406\u3092\u884c\u3046\u3059\u3079\u3066\u306e\u4eba\u3005\u3068\u5bfe\u8a71\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001Marqeta\u3068\u5f53\u793e\u306e\u6280\u8853\u3001\u305d\u3057\u3066\u5f53\u793e\u306e\u65b9\u5411\u6027\u3092\u4fe1\u3058\u308b\u3053\u3068\u306f\u3001\u5f7c\u3089\u306b\u3068\u3063\u3066\u30d1\u30e9\u30c0\u30a4\u30e0\u3067\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u79c1\u305f\u3061\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u4e16\u754c\u3067\u6700\u3082\u9769\u65b0\u7684\u306a\u4f01\u696d\u304c\u3001\u30b2\u30fc\u30e0\u3092\u5909\u3048\u308b\u3088\u3046\u306a\u88fd\u54c1\u3092\u5927\u898f\u6a21\u306b\u5b9f\u884c\u3059\u308b\u306e\u3092\u652f\u63f4\u3067\u304d\u308b\u3088\u3046\u306b\u8a2d\u8a08\u3055\u308c\u3066\u304a\u308a\u3001Google\u306f\u305d\u306e\u305f\u3081\u306bMarqeta\u3092\u9078\u3073\u307e\u3057\u305f\u3002Google\u3068\u4e00\u7dd2\u306b\u69cb\u7bc9\u3057\u305f\u88fd\u54c1\u306f\u3001\u65b0\u3057\u3044\u30d0\u30fc\u30c1\u30e3\u30eb\u306aGoogle Pay\u30d0\u30e9\u30f3\u30b9\u30ab\u30fc\u30c9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u30e6\u30fc\u30b6\u30fc\u306f\u3001\u30e2\u30d0\u30a4\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u3067\u3042\u308bGoogle Pay\u30a6\u30a9\u30ec\u30c3\u30c8\u306b\u30c8\u30fc\u30af\u30f3\u5316\u3055\u308c\u305f\u4eee\u60f3\u30ab\u30fc\u30c9\u3092\u4f7f\u3063\u3066\u3001Google Pay\u306e\u6b8b\u9ad8\u3092\u7c21\u5358\u306b\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u305d\u306e\u30ab\u30fc\u30c9\u3092\u5229\u7528\u3067\u304d\u308b\u52a0\u76df\u5e97\u306f\u3001\u73fe\u5728\u3001\u7279\u306b\u7c73\u56fd\u5185\u3067\u306f\u305f\u304f\u3055\u3093\u3042\u308a\u307e\u3059\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u308c\u307e\u3067\u306eGoogle Pay\u6b8b\u9ad8\u306e\u30e6\u30fc\u30b6\u30fc\u306f\u3001\u8cc7\u91d1\u306e\u4f7f\u3044\u9053\u304c\u975e\u5e38\u306b\u9650\u3089\u308c\u3066\u3044\u307e\u3057\u305f\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u30e6\u30fc\u30b6\u30fc\u306e\u7686\u69d8\u306b\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u5168\u4f53\u3092\u958b\u653e\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u79c1\u305f\u3061\u304c\u3053\u306e\u88fd\u54c1\u3092\u4fe1\u3058\u308b\u7406\u7531\u306f\u3001\u975e\u63a5\u89e6\u578b\u6c7a\u6e08\u3068\u30e2\u30d0\u30a4\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u306e\u5229\u7528\u3067\u3059\u3002COVID-19\u306e\u505c\u6b62\u671f\u9593\u4e2d\u306b\u6025\u5897\u3057\u3001\u6d88\u8cbb\u8005\u306f\u73fe\u91d1\u3084\u7269\u7406\u7684\u306a\u30ab\u30fc\u30c9\u304b\u3089\u30e2\u30d0\u30a4\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u3078\u3068\u5927\u304d\u304f\u79fb\u884c\u3057\u307e\u3057\u305f\u3002\u4f8b\u3048\u3070\u3001\u79c1\u306e\u6bcd\u306f\u3044\u3064\u3082Google Pay\u3092\u4f7f\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u305d\u306e\u597d\u4f8b\u3067\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u5f7c\u5973\u306f\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u53d7\u3051\u5165\u308c\u308b\u4e0a\u3067\u306e\u6a21\u7bc4\u7684\u5b58\u5728\u3067\u3059\u3002Marqeta\u306f\u3001\u4f01\u696d\u304c\u30c8\u30fc\u30af\u30f3\u5316\u3055\u308c\u305f\u30ab\u30fc\u30c9\u3092\u30e2\u30d0\u30a4\u30eb\u30fb\u30a6\u30a9\u30ec\u30c3\u30c8\u306b\u5373\u5ea7\u306b\u63d0\u4f9b\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u305f\u6700\u521d\u306e\u4f01\u696d\u306e\u3072\u3068\u3064\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u3001J.P.\u30e2\u30eb\u30ac\u30f3\u3084Square\u306a\u3069\u306e\u4f01\u696d\u3068\u5354\u529b\u3057\u3066\u3001\u3059\u3067\u306b\u5927\u898f\u6a21\u306a\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u4eca\u56de\u3001Google\u3068\u5354\u529b\u3057\u3066\u3053\u306e\u88fd\u54c1\u3092\u5e02\u5834\u306b\u6295\u5165\u3067\u304d\u308b\u3053\u3068\u3092\u5927\u5909\u5149\u6804\u306b\u601d\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Josh Beck &#8212; KeyBanc Capital Markets &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u304a\u3081\u3067\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u30c8\u30ea\u30c3\u30d7\u3055\u3093\u304b\u3089\u306f\u3001\u5f53\u56db\u534a\u671f\u306b\u7279\u306b\u597d\u8abf\u3060\u3063\u305f\u696d\u7a2e\u306b\u3064\u3044\u3066\u3001\u975e\u5e38\u306b\u53c2\u8003\u306b\u306a\u308b\u304a\u8a71\u3092\u4f3a\u3044\u307e\u3057\u305f\u3002\u30aa\u30f3\u30c7\u30de\u30f3\u30c9\u30fb\u30c7\u30ea\u30d0\u30ea\u30fc\u306b\u95a2\u3059\u308b\u30b3\u30e1\u30f3\u30c8\u3082\u3042\u308a\u307e\u3057\u305f\u306d\u3002\u7b2c3\u56db\u534a\u671f\u306b\u4e0b\u534a\u671f\u306e\u898b\u901a\u3057\u3092\u7acb\u3066\u308b\u306b\u3042\u305f\u308a\u3001\u9ad8\u3044\u30ec\u30d9\u30eb\u3067\u306e\u6ce8\u610f\u70b9\u304c\u3042\u308c\u3070\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u7570\u306a\u308b\u696d\u7a2e\u3084\u305d\u306e\u6d41\u308c\u306b\u95a2\u3057\u3066\u3001\u6ce8\u610f\u3059\u3079\u304d\u70b9\u304c\u3042\u308c\u3070\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30c8\u30ea\u30c3\u30d7\u30fb\u30d5\u30a7\u30a4\u30af\u30b9 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3082\u3061\u308d\u3093\u3067\u3059\u3002\u5f53\u793e\u306e\u7b2c3\u56db\u534a\u671f\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3068BNPL\u306e\u5404\u5206\u91ce\u304c\u5f15\u304d\u7d9a\u304d\u597d\u8abf\u3067\u3042\u308b\u3053\u3068\u3092\u53cd\u6620\u3057\u3066\u3044\u307e\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306e\u7d14\u58f2\u4e0a\u9ad8\u306f\u3001\u524d\u5e74\u540c\u671f\u6bd438\uff05\u5897\u306e\u4e2d\u9593\u5024\u3092\u898b\u8fbc\u3093\u3067\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u7b2c4\u56db\u534a\u671f\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u767a\u8868\u3057\u306a\u3044\u3068\u8ff0\u3079\u307e\u3057\u305f\u304c\u3001\u88dc\u8db3\u8aac\u660e\u3092\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6b74\u53f2\u7684\u306b\u898b\u3066\u3082\u3001\u7b2c4\u56db\u534a\u671f\u306f\u500b\u4eba\u6d88\u8cbb\u306e\u5897\u52a0\u306b\u3088\u308a\u3001\u30db\u30ea\u30c7\u30fc\u30b7\u30fc\u30ba\u30f3\u306b\u5411\u3051\u3066\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3084BNPL\u306e\u5206\u91ce\u3067\u30d7\u30e9\u30b9\u306e\u52b9\u679c\u304c\u51fa\u3066\u3044\u307e\u3059\u3002\u3042\u306a\u305f\u306f\u3001\u30aa\u30f3\u30c7\u30de\u30f3\u30c9\u914d\u4fe1\u306b\u3064\u3044\u3066\u975e\u5e38\u306b\u5177\u4f53\u7684\u306a\u8cea\u554f\u3092\u3055\u308c\u307e\u3057\u305f\u3002\u30aa\u30f3\u30c7\u30de\u30f3\u30c9\u30fb\u30c7\u30ea\u30d0\u30ea\u30fc\u306b\u306f\u82e5\u5e72\u306e\u5f31\u3055\u304c\u898b\u3089\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u3053\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u5f15\u304d\u7d9a\u304d\u9ad8\u3044\u6c34\u6e96\u306b\u3042\u308b\u3053\u3068\u3082\u5f37\u8abf\u3057\u3066\u304a\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u308c\u306f\u3001\u5f7c\u3089\u304c\u6211\u3005\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u901a\u3058\u3066\u63d0\u4f9b\u3057\u3066\u3044\u308b\u30b5\u30fc\u30d3\u30b9\u306e\u8a3c\u3067\u3042\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Josh Beck &#8212; KeyBanc Capital Markets &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u304a\u3081\u3067\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6b21\u306e\u8cea\u554f\u306f\u3001\u30d0\u30fc\u30af\u30ec\u30a4\u30ba\u306e\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb\u3055\u3093\u3067\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb &#8212; \u30d0\u30fc\u30af\u30ec\u30a4\u30ba\u6295\u8cc7\u9280\u884c &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u4eca\u6669\u306f\u3001\u79c1\u306e\u8cea\u554f\u306b\u304a\u7b54\u3048\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306e\u696d\u7e3e\u898b\u901a\u3057\u306b\u306f\u3001\u666f\u6c17\u523a\u6fc0\u7b56\u306e\u6253\u3061\u6d88\u3057\u3001\u7a0e\u91d1\u306e\u652f\u6255\u3044\u6642\u671f\u306a\u3069\u3001\u591a\u304f\u306e\u8981\u7d20\u304c\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u52d5\u304d\u306b\u3064\u3044\u3066\u3001\u3082\u3046\u4e00\u5ea6\u78ba\u8a8d\u3057\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f\u307e\u305f\u3001\u7b2c3\u56db\u534a\u671f\u306b\u5411\u3051\u3066\u306e\u898b\u901a\u3057\u306b\u3064\u3044\u3066\u3082\u30b3\u30e1\u30f3\u30c8\u3092\u304a\u9858\u3044\u3057\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u901a\u5e38\u306e\u5e74\u306b\u6bd4\u3079\u3066\u3001\u3053\u308c\u307e\u3067\u306e\u30d3\u30b8\u30cd\u30b9\u3068\u540c\u3058\u3088\u3046\u306a\u53ce\u76ca\u306e\u898b\u901a\u3057\u304c\u7acb\u3063\u3066\u3044\u308b\u3068\u611f\u3058\u3066\u3044\u307e\u3059\u304b\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30c8\u30ea\u30c3\u30d7\u30fb\u30d5\u30a7\u30a4\u30af\u30b9 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3001\u30e9\u30e0\u30b8\u30fc\u3002\u8907\u6570\u306e\u8cea\u554f\u304c\u3042\u308a\u307e\u3059\u306d\u3002\u305d\u3053\u3067\u3001\u3044\u308d\u3044\u308d\u306a\u89d2\u5ea6\u304b\u3089\u8003\u3048\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305a\u3001\u30bf\u30c3\u30af\u30b9\u30b7\u30fc\u30ba\u30f3\u306e\u7533\u544a\u671f\u9650\u304c4\u670815\u65e5\u304b\u30895\u670817\u65e5\u3078\u3068\u7b2c2\u56db\u534a\u671f\u306b\u305a\u308c\u8fbc\u3093\u3060\u3053\u3068\u304c\u529f\u3092\u594f\u3057\u305f\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u306e\u7533\u544a\u9045\u5ef6\u306e\u5f71\u97ff\u306b\u3088\u308a\u3001\u652f\u51fa\u304c\u7b2c2\u56db\u534a\u671f\u306b\u591a\u304f\u30b7\u30d5\u30c8\u3057\u305f\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u52b9\u679c\u3092\u9664\u3044\u3066\u7b2c2\u56db\u534a\u671f\u3092\u6a19\u6e96\u5316\u3059\u308b\u3068\u3001\u7d14\u58f2\u4e0a\u9ad8\u306e\u6210\u9577\u7387\u306f60\uff05\u53f0\u5f8c\u534a\u304b\u308960\uff05\u53f0\u534a\u3070\u306b\u306a\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3092\u5f53\u793e\u306e\u30df\u30c3\u30c9\u30dd\u30a4\u30f3\u30c8\u30ac\u30a4\u30c9\u3067\u3042\u308b1\u51041,650\u4e07\u30c9\u30eb\u3068\u6bd4\u8f03\u3059\u308b\u3068\u3001\u30d7\u30ed\u30d5\u30a9\u30fc\u30de\u30d9\u30fc\u30b9\u3067\u306f\u524d\u56db\u534a\u671f\u6bd4\u3067\u5897\u52a0\u3057\u3066\u3044\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u7b2c3\u56db\u534a\u671f\u306e\u898b\u901a\u3057\u306b\u3064\u3044\u3066\u5c11\u3057\u304a\u8a71\u304c\u3042\u308a\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">2020\u5e74\u7b2c3\u56db\u534a\u671f\u304b\u3089\u306e\u666f\u6c17\u523a\u6fc0\u7b56\u306e\u652f\u6255\u3044\u304c\u9045\u308c\u3066\u3044\u308b\u3053\u3068\u306f\u3001\u8ab0\u3082\u304c\u6c17\u306b\u3057\u3066\u3044\u308b\u3053\u3068\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f\u3001\u524d\u5e74\u540c\u671f\u6bd4\u306738\uff05\u306e\u6210\u9577\u3068\u3044\u3046\u4e2d\u9593\u5024\u306e\u30ac\u30a4\u30c9\u3092\u975e\u5e38\u306b\u3088\u304f\u611f\u3058\u3066\u3044\u307e\u3059\u3002\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3068BNPL\u4e8b\u696d\u306e\u5f37\u307f\u306b\u652f\u3048\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ramsey El-Assal &#8212; Barclays Investment Bank &#8212; Analyst<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u308f\u304b\u308a\u307e\u3057\u305f\u30021\u3064\u3060\u3051\u88dc\u8db3\u3057\u307e\u3059\u3002\u6700\u8fd1\u3001\u30c0\u30fc\u30d3\u30f3\u4fee\u6b63\u6761\u9805\u306b\u304a\u3051\u308b\u5c0f\u898f\u6a21\u9280\u884c\u306e\u9664\u5916\u63aa\u7f6e\u306e\u8010\u4e45\u6027\u3084\u3001Marqeta\u306e\u3088\u3046\u306a\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u304c\u5c0f\u898f\u6a21\u9280\u884c\u3092\u7d4c\u7531\u3057\u3066\u767a\u884c\u3057\u3001\u898f\u5236\u3055\u308c\u3066\u3044\u306a\u3044\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u3092\u7372\u5f97\u3067\u304d\u308b\u304b\u3069\u3046\u304b\u306b\u3064\u3044\u3066\u3001\u591a\u304f\u306e\u8b70\u8ad6\u304c\u306a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u4eca\u5f8c\u3001\u4f55\u304b\u5909\u5316\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u304b\uff1f\u3088\u308a\u91cd\u8981\u306a\u306e\u306f\u3001\u3082\u3057\u5909\u5316\u304c\u3042\u308b\u3068\u3057\u305f\u3089\u3001\u305d\u306e\u5909\u5316\u3092\u3069\u306e\u3088\u3046\u306b\u4e57\u308a\u8d8a\u3048\u308b\u304b\u3068\u3044\u3046\u3053\u3068\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Jason Gardner\uff08\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc\uff09\uff1a\u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3048\u3048\u3001\u591a\u5206\u3001\u79c1\u304c\u660e\u78ba\u306b\u3057\u307e\u3059&#8230;\u3048\u3048\u3001\u79c1\u304c\u3053\u3053\u306b\u98db\u3073\u8fbc\u3093\u3067\u3082\u3044\u3044\u3067\u3059\u3088\u3001\u30c8\u30ea\u30c3\u30d7\u3055\u3093\u3002\u30c0\u30fc\u30d3\u30f3\u4fee\u6b63\u6761\u9805\u306b\u95a2\u3057\u3066\u306f\u3001\u8fd1\u3044\u3046\u3061\u306b\u4f55\u304b\u5909\u5316\u304c\u3042\u308b\u3068\u306f\u8003\u3048\u3066\u3044\u307e\u305b\u3093\u3002\u6211\u3005\u306f\u305d\u308c\u3092\u6ce8\u8996\u3057\u3066\u3044\u308b\u3002\u30c0\u30fc\u30d3\u30f3\u4fee\u6b63\u6761\u9805\u306f\u3001\u5c0f\u898f\u6a21\u306a\u30b3\u30df\u30e5\u30cb\u30c6\u30a3\u9280\u884c\u3092\u4fdd\u8b77\u3057\u3001\u6d88\u8cbb\u8005\u3092\u4fdd\u8b77\u3059\u308b\u305f\u3081\u306b\u5c0e\u5165\u3055\u308c\u305f\u3082\u306e\u3067\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u306e\u3088\u3046\u306a\u5909\u66f4\u306f\u3001\u696d\u754c\u306b\u3068\u3063\u3066\u975e\u5e38\u306b\u5927\u304d\u306a\u610f\u5473\u3092\u6301\u3061\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u79c1\u305f\u3061\u306f\u3053\u306e\u554f\u984c\u306b\u76ee\u3092\u5149\u3089\u305b\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001Reg 2\u306e\u3088\u3046\u306a\u591a\u304f\u306e\u898f\u5236\u3084\u3001\u696d\u754c\u3067\u8d77\u3053\u3063\u3066\u3044\u308b\u305d\u306e\u4ed6\u306e\u3053\u3068\u306b\u76ee\u3092\u5149\u3089\u305b\u3066\u3044\u307e\u3059\u3002\u3068\u306f\u3044\u3048\u3001\u5f53\u793e\u306f\u7c73\u56fd\u5916\u3067\u5065\u5168\u304b\u3064\u6210\u9577\u3057\u3066\u3044\u308b\u30d3\u30b8\u30cd\u30b9\u3092\u5c55\u958b\u3057\u3066\u304a\u308a\u3001\u305d\u308c\u306f\u7d14\u7c8b\u306b\u30a4\u30f3\u30bf\u30fc\u30c1\u30a7\u30f3\u30b8\u306b\u4f9d\u5b58\u3057\u305f\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u307e\u305f\u3001\u5f53\u793e\u306f\u5225\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u306e\u69cb\u7bc9\u306b\u3082\u6210\u529f\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u30e8\u30fc\u30ed\u30c3\u30d1\u3067\u3082\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u3082\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u3082\u540c\u3058\u3067\u3059\u3002\u3053\u308c\u306f\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u3082\u306e\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u6570\u5e74\u5f8c\u306b\u30c0\u30fc\u30d3\u30f3\u306e\u72b6\u6cc1\u304c\u5909\u308f\u308a\u59cb\u3081\u305f\u3068\u3057\u3066\u3082\u3001\u6210\u9577\u3092\u7dad\u6301\u3067\u304d\u308b\u3088\u3046\u306b\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u3092\u3069\u306e\u3088\u3046\u306b\u5909\u66f4\u3059\u308b\u304b\u306b\u3064\u3044\u3066\u306f\u3001\u975e\u5e38\u306b\u614e\u91cd\u306b\u691c\u8a0e\u3059\u308b\u3064\u3082\u308a\u3067\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30e9\u30e0\u30bc\u30a4\u30fb\u30a8\u30eb\u30fb\u30a2\u30c3\u30b5\u30eb &#8212; \u30d0\u30fc\u30af\u30ec\u30a4\u30ba\u6295\u8cc7\u9280\u884c &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u529b\u5f37\u3044\u30b3\u30e1\u30f3\u30c8\u3067\u3059\u306d\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6b21\u306e\u8cea\u554f\u306f\u3001\u30a6\u30a9\u30eb\u30d5\u30fb\u30ea\u30b5\u30fc\u30c1\u306e\u30c0\u30ea\u30f3\u30fb\u30da\u30e9\u30fc\u3055\u3093\u3067\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Darrin Peller &#8212; Wolfe Research, LLC &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u7b2c1\u56db\u534a\u671f\u306f\u53ce\u76ca\u9762\u3067\u597d\u8abf\u3060\u3063\u305f\u3068\u306e\u3053\u3068\u3067\u3059\u304c\u3001\u6210\u9577\u7387\u306b\u3064\u3044\u3066\u304a\u805e\u304b\u305b\u304f\u3060\u3055\u3044\u3002\u304a\u8a71\u306e\u6210\u9577\u7387\u3092\u898b\u308b\u3068\u300110-Q\u3067\u306fSquare\u306e\u6210\u9577\u7387\u304c70\uff05\u53f0\u524d\u534a\u3060\u3063\u305f\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u4eca\u56de\u306f\u3069\u3046\u3067\u3057\u3087\u3046\u304b\u3002\u5168\u4f53\u7684\u306a\u53ce\u76ca\u306e\u4f38\u3073\u306f\u3001\u660e\u3089\u304b\u306b\u5927\u53e3\u9867\u5ba2\u3092\u4e0a\u56de\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u3001\u3042\u306a\u305f\u304c\u304a\u3063\u3057\u3083\u3063\u305f\u3088\u3046\u306b\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u591a\u69d8\u5316\u304c\u4ed6\u306e\u7a2e\u985e\u306e\u30b5\u30fc\u30d3\u30b9\u306b\u62e1\u5927\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002Buy Now Pay Later\u306f\u3001\u30cd\u30aa\u30d0\u30f3\u30af\u3001\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af\u306e\u3072\u3068\u3064\u3067\u3042\u308b\u3053\u3068\u306f\u660e\u3089\u304b\u3067\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3082\u3046\u4e00\u5ea6\u3001Buy Now Pay Later\u306e\u5dee\u5225\u5316\u306b\u3064\u3044\u3066\u5c11\u3057\u89e6\u308c\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1fMarqeta\u306f\u30aa\u30f3\u30c7\u30de\u30f3\u30c9\u914d\u4fe1\u306a\u3069\u3067\u3088\u304f\u77e5\u3089\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u300cBuy Now Pay Later\u300d\u3067\u3069\u306e\u3088\u3046\u306b\u6210\u529f\u3057\u3066\u3044\u308b\u306e\u304b\u3092\u6559\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u53c2\u52a0\u3057\u3066\u3044\u308bAffirm\u3001Klarna\u3001Afterpay\u3001Sezle\u306a\u3069\u306e\u4f01\u696d\u306f\u3001\u4f53\u9a13\u3092\u91cd\u8996\u3057\u3066\u304a\u308a\u30011\u3064\u306e\u88fd\u54c1\u3092\u4f5c\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u6211\u3005\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u4e0a\u3067\u8907\u6570\u306e\u88fd\u54c1\u3092\u4f5c\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u304c\u7b2c\u4e00\u306e\u30dd\u30a4\u30f3\u30c8\u3060\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u30022\u3064\u76ee\u306f\u3001\u8907\u6570\u306e\u5730\u57df\u3067\u306e\u4e8b\u696d\u5c55\u958b\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u7570\u306a\u308b\u898f\u5236\u74b0\u5883\u3060\u3051\u3067\u306a\u304f\u3001\u7570\u306a\u308b\u6280\u8853\u74b0\u5883\u3084\u904b\u7528\u74b0\u5883\u306e\u4e2d\u3067\u3069\u306e\u3088\u3046\u306b\u6d3b\u52d5\u3059\u308b\u304b\u3092\u77e5\u3063\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u308c\u306f\u975e\u5e38\u306b\u8907\u96d1\u3067\u3042\u308a\u3001\u7d4c\u9a13\u304c\u9375\u3068\u306a\u308a\u307e\u3059\u3002\u79c1\u305f\u3061\u306b\u306f11\u5e74\u4ee5\u4e0a\u306e\u7d4c\u9a13\u304c\u3042\u308a\u307e\u3059\u3002\u30ed\u30fc\u30c9\u30b7\u30e7\u30fc\u3067\u306f\u3001\u5f53\u521d\u306e\u8a08\u753b\u901a\u308a\u3001\u3053\u306e\u3088\u3046\u306a\u8a71\u3092\u3057\u307e\u3057\u305f\u3002\u5546\u53d6\u5f15\u306e\u7834\u58ca\u8005\u3068\u3044\u3048\u3070\u3001Buy Now Pay Later\uff08BNPL\uff09\u304c\u3059\u3050\u306b\u601d\u3044\u6d6e\u304b\u3073\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u79c1\u305f\u3061\u306e\u76ee\u6a19\u306f\u3001\u5e38\u306b\u5782\u76f4\u8ef8\u3092\u652f\u914d\u3059\u308b\u3053\u3068\u3067\u3057\u305f\u3002\u53c2\u5165\u3057\u3066\u52dd\u8005\u3092\u5897\u3084\u3057\u3001\u7d4c\u9a13\u3092\u7a4d\u3093\u3067\u3001\u3053\u308c\u3089\u306e\u30d3\u30b8\u30cd\u30b9\u3092\u5927\u898f\u6a21\u306b\u904b\u55b6\u3057\u3066\u3044\u304f\u306e\u3067\u3059\u3002\u3060\u304b\u3089\u3053\u305d\u3001\u79c1\u305f\u3061\u306f\u9a5a\u7570\u7684\u306a\u6210\u9577\u3092\u9042\u3052\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u524d\u5e74\u6bd4350\uff05\u306e\u6210\u9577\u306f\u9a5a\u7570\u7684\u3067\u3042\u308a\u3001\u3053\u306e\u5206\u91ce\u3067\u306e\u3055\u3089\u306a\u308b\u6210\u9577\u3092\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3057\u304b\u3057\u3001\u5f7c\u3089\u306f\u5358\u306bMarqeta\u3092\u9078\u3093\u3060\u306e\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u30b9\u30de\u30fc\u30c8\u306a\u53d6\u5f15\u3092\u3057\u307e\u3059\u3002\u79c1\u305f\u3061\u306e\u9867\u5ba2\u306f\u30b9\u30de\u30fc\u30c8\u306a\u53d6\u5f15\u3092\u884c\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u304a\u5ba2\u69d8\u3092\u3064\u306a\u304e\u3001\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u30ea\u30fc\u30c9\u3057\u3001\u79c1\u305f\u3061\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u95a2\u9023\u3057\u305f\u7d50\u679c\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u306b\u6ce8\u529b\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Darrin Peller &#8212; Wolfe Research, LLC &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u5206\u304b\u308a\u307e\u3057\u305f\u3002\u305d\u306e\u72b6\u614b\u304c\u7d9a\u304f\u3088\u3046\u306b\u601d\u3048\u307e\u3059\u3002\u3055\u3089\u306b\u8ffd\u52a0\u306e\u8cea\u554f\u3068\u3057\u3066\u3001\u3053\u308c\u307e\u3067\u306e\u4e8b\u696d\u62e1\u5927\u306b\u3064\u3044\u3066\u304a\u805e\u304d\u3057\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u306a\u305f\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4e8b\u696d\u306b\u7740\u624b\u3057\u305f\u306e\u306f\u3001\u3053\u30532\u30013\u56db\u534a\u671f\u306e\u3053\u3068\u3060\u3063\u305f\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u9280\u884c\u3068\u306e\u63d0\u643a\u3082\u9032\u3093\u3067\u3044\u308b\u3088\u3046\u3067\u3059\u306d\u3002\u4e3b\u306b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u5206\u91ce\u3067\u306e\u30d3\u30b8\u30cd\u30b9\u30c1\u30e3\u30f3\u30b9\u3068\u3001\u305d\u306e\u9032\u6357\u72b6\u6cc1\u306b\u3064\u3044\u3066\u304a\u805e\u304b\u305b\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Jason Gardner\uff08\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc\uff09\uff1a\u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u306e\u4ef6\u306b\u3064\u3044\u3066\u306f\u516c\u306b\u8a71\u3057\u307e\u3057\u305f\u3002Deserve\u793e\u3068\u306e\u63d0\u643a\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u3059\u3067\u306b\u30c6\u30b9\u30c8\u3067\u3053\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u4f7f\u7528\u3057\u3066\u3044\u308b\u9867\u5ba2\u304c\u3044\u307e\u3059\u304c\u3001\u3053\u308c\u3092\u5927\u5e45\u306b\u62e1\u5927\u3057\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u7c73\u56fd\u3067\u306f\u3001\u6d88\u8cbb\u8005\u306e50\uff05\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u5229\u7528\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u5229\u7528\u3057\u3066\u3044\u307e\u3059\u3002\u7c73\u56fd\u4ee5\u5916\u3067\u3082\u3001\u30e8\u30fc\u30ed\u30c3\u30d1\u3084\u4e16\u754c\u6700\u5927\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u5e02\u5834\u306e\u3072\u3068\u3064\u3067\u3042\u308b\u30a2\u30b8\u30a2\u3067\u306f\u3001\u4eca\u5f8c\u6570\u5e74\u306e\u3046\u3061\u306b\u30af\u30ec\u30b8\u30c3\u30c8\u5e02\u5834\u304c\u62e1\u5927\u3057\u3066\u3044\u304f\u3053\u3068\u304c\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002\u6d88\u8cbb\u8005\u304c\u3088\u308a\u591a\u304f\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u3092\u6c42\u3081\u3066\u3044\u308b\u3053\u3068\u3082\u77e5\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u3053\u3067\u79c1\u305f\u3061\u306f\u3001\u3053\u308c\u307e\u3067\u3068\u306f\u307e\u3063\u305f\u304f\u7570\u306a\u308b\u65b9\u6cd5\u3067\u4e8b\u696d\u3092\u7acb\u3061\u4e0a\u3052\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6d88\u8cbb\u8005\u3084\u4f01\u696d\u306b\u3068\u3063\u3066\u3001\u3088\u308a\u826f\u3044\u4f53\u9a13\u3092\u3057\u3066\u3082\u3089\u3044\u305f\u3044\u3068\u601d\u3044\u307e\u3057\u305f\u3002\u79c1\u305f\u3061\u306f\u3001\u696d\u754c\u5168\u4f53\u3092\u7834\u58ca\u3057\u305f\u308a\u3001\u5927\u898f\u6a21\u306a\u554f\u984c\u3092\u89e3\u6c7a\u3057\u305f\u308a\u3059\u308b\u3088\u3046\u306a\u30ab\u30fc\u30c9\u3092\u4f5c\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u9280\u884c\u304c\u63d0\u4f9b\u3059\u308b\u4ed6\u306e\u30ab\u30fc\u30c9\u3068\u540c\u3058\u3088\u3046\u306a\u30ab\u30fc\u30c9\u3067\u306f\u3001\u305d\u308c\u304c\u3067\u304d\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u305d\u3053\u3067\u79c1\u305f\u3061\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u306b\u3064\u3044\u3066\u3082\u540c\u3058\u3088\u3046\u306b\u8003\u3048\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u672a\u6765\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u3069\u306e\u3088\u3046\u306a\u3082\u306e\u304b\uff1f\u305d\u3057\u3066\u3001\u305d\u308c\u3092\u3069\u306e\u3088\u3046\u306b\u69cb\u7bc9\u3057\u3066\u3044\u304f\u304b\u3002\u305d\u3053\u3067\u3001Marqeta\u3067\u306f\u304b\u306a\u308a\u5927\u898f\u6a21\u306a\u30c1\u30fc\u30e0\u3092\u7de8\u6210\u3057\u3001\u3053\u306e\u88fd\u54c1\u306b\u6ce8\u529b\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u88fd\u54c1\u306f\u3001\u4eca\u5f8c\u6570\u56db\u534a\u671f\u306e\u3046\u3061\u306b\u62e1\u5927\u3059\u308b\u3068\u601d\u3044\u307e\u3059\u3002\u3053\u306e\u70b9\u306b\u3064\u3044\u3066\u306f\u307e\u305f\u767a\u8868\u3057\u307e\u3059\u304c\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u306b\u3064\u3044\u3066\u306f\u975e\u5e38\u306b\u697d\u3057\u307f\u3067\u3059\u3002\u307e\u305f\u3001\u30ab\u30fc\u30c9\u306e\u767a\u884c\u3084\u51e6\u7406\u3060\u3051\u3067\u306a\u304f\u3001\u30ab\u30fc\u30c9\u88fd\u54c1\u3084\u3001\u591a\u304f\u306e\u30c4\u30fc\u30eb\u3084\u30d7\u30ed\u30b0\u30e9\u30e0\u7ba1\u7406\u306b\u95a2\u9023\u3057\u305f\u51e6\u7406\u306a\u3069\u3001\u4ed6\u306b\u3082\u69d8\u3005\u306a\u5206\u91ce\u304c\u3042\u308a\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u306e\u3088\u3046\u306b\u3001\u4eca\u5f8c\u3082\u8a71\u984c\u306f\u5c3d\u304d\u307e\u305b\u3093\u3057\u3001\u672a\u57f7\u7b46\u306e\u7ae0\u3082\u305f\u304f\u3055\u3093\u3042\u308a\u307e\u3059\u304c\u3001\u307e\u3060\u307e\u3060\u7d9a\u304d\u307e\u3059\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Darrin Peller &#8212; Wolfe Research, LLC &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u3053\u308c\u304b\u3089\u3082\u697d\u3057\u307f\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b7\u30c6\u30a3\u306eAshwin Shirvaikar\u3055\u3093\u3067\u3059\u3002\u7d9a\u3051\u3066\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30a2\u30b7\u30e5\u30a6\u30a3\u30f3\u30fb\u30b7\u30e3\u30fc\u30f4\u30a7\u30a4\u30ab\u30fc &#8212; \u30b7\u30c6\u30a3 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u3093\u306b\u3061\u306f\u3001\u7686\u3055\u3093\u3002\u304a\u3081\u3067\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u4e0a\u5834\u4f01\u696d\u3068\u3057\u3066\u826f\u3044\u30b9\u30bf\u30fc\u30c8\u304c\u5207\u308c\u305f\u3088\u3046\u3067\u3059\u306d\u3002\u30b9\u30af\u30a8\u30a2\u306b\u3064\u3044\u3066\u304a\u805e\u304d\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30b9\u30af\u30a8\u30a2\u306e\u305f\u3081\u306b\u65b0\u305f\u306a\u4ed5\u4e8b\u3092\u3059\u308b\u3068\u3057\u305f\u3089\u3001\u305d\u308c\u306f\u5fc5\u305a\u3057\u3082\u65e2\u5b58\u306e\u5951\u7d04\u306e\u3069\u308c\u304b\u306b\u8a72\u5f53\u3059\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u307e\u305f\u3001\u3082\u3057\u4f55\u3089\u304b\u306e\u5229\u76ca\u304c\u3042\u308b\u3068\u3059\u308c\u3070\u3001\u30b9\u30af\u30a6\u30a7\u30a2\u306e\u8996\u70b9\u3067\u306f\u3001\u3059\u3067\u306b\u9ad8\u3044\u57fa\u6e96\u5024\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3067\u5229\u76ca\u3092\u5f97\u3066\u3044\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304b\uff1f\u307e\u305f\u3001\u9867\u5ba2\u306e\u6a5f\u5bc6\u3092\u7406\u89e3\u3057\u3066\u3044\u308b\u306e\u3067\u3001\u8cea\u554f\u306e2\u756a\u76ee\u306e\u90e8\u5206\u306f\u4e00\u822c\u7684\u306a\u56de\u7b54\u3067\u69cb\u3044\u307e\u305b\u3093\u3002\u3067\u304d\u308c\u3070\u3001\u6982\u5ff5\u7684\u306b\u7406\u89e3\u3057\u305f\u3044\u306e\u3067\u3059\u304c\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Jason Gardner\uff08\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc\uff09\uff1a\u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u305d\u3046\u3067\u3059\u306d\u3001Square\u306b\u306f\u3044\u304f\u3064\u304b\u306e\u88fd\u54c1\u304c\u3042\u308a\u307e\u3059\u3002Square\u306f\u73fe\u4ee3\u306e\u30ab\u30fc\u30c9\u767a\u884c\u306e\u8f1d\u304b\u3057\u3044\u6a21\u7bc4\u3067\u3042\u308b\u3068\u8a71\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u5f7c\u3089\u306f\u3001\u9867\u5ba2\u306e\u305f\u3081\u306b\u3069\u306e\u3088\u3046\u306b\u3057\u3066\u7f8e\u3057\u3044\u7d50\u679c\u3092\u751f\u307f\u51fa\u3059\u304b\u3068\u3044\u3046\u3053\u3068\u3092\u3001\u81ea\u5206\u305f\u3061\u306eDNA\u306e\u4e2d\u3067\u672c\u5f53\u306b\u7406\u89e3\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30ad\u30e3\u30c3\u30b7\u30e5\u30ab\u30fc\u30c9\u306b\u59cb\u307e\u308a\u30012\u3064\u76ee\u306f\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u5074\u306eSquare\u30ab\u30fc\u30c9\u3067\u3059\u3002\u307e\u305f\u3001Square\u9280\u884c\u306e\u30b5\u30fc\u30d3\u30b9\u306f\u3001\u3088\u308a\u5145\u5b9f\u3057\u305f\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u79c1\u305f\u3061\u306f\u8907\u6570\u306e\u90e8\u5206\u3092\u5f37\u5316\u3057\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306fSquare\u30c1\u30a7\u30c3\u30af\u3092\u5f37\u5316\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Square\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u53e3\u5ea7\u3084\u30eb\u30fc\u30c6\u30a3\u30f3\u30b0\u756a\u53f7\u3001FDIC\u4fdd\u967a\u306b\u3064\u3044\u3066\u3082\u8aac\u660e\u3057\u307e\u3057\u305f\u3002\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u4f01\u696d\u306f\u6211\u3005\u306eAPI\u3092\u4f7f\u3063\u3066\u91d1\u878d\u554f\u984c\u3092\u5927\u898f\u6a21\u306b\u89e3\u6c7a\u3057\u3066\u3044\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u79c1\u305f\u3061\u306f\u305d\u308c\u3092\u6b53\u8fce\u3057\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u304a\u5ba2\u69d8\u304c\u79c1\u305f\u3061\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u4e0a\u3067\u3088\u308a\u591a\u304f\u306e\u88fd\u54c1\u3092\u69cb\u7bc9\u3059\u308b\u3053\u3068\u3092\u6b53\u8fce\u3057\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u308c\u306f\u3001\u79c1\u305f\u3061\u304c\u304a\u5ba2\u69d8\u3068\u3064\u306a\u304c\u308a\u3001\u5e02\u5834\u306b\u53c2\u5165\u3059\u308b\u65b9\u6cd5\u306e\u4e00\u90e8\u3068\u306a\u308b\u3001\u7d20\u6674\u3089\u3057\u3044\u6c34\u5e73\u65b9\u5411\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u751f\u307f\u51fa\u3057\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u304a\u5ba2\u69d8\u306b\u306f\u6210\u9577\u3092\u7d9a\u3051\u3066\u3044\u305f\u3060\u304d\u305f\u3044\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u5f7c\u3089\u306e\u6210\u529f\u306b\u5fdc\u3058\u3066\u30dc\u30ea\u30e5\u30fc\u30e0\u30be\u30fc\u30f3\u3092\u8a2d\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002\u78ba\u304b\u306b\u3001Square\u306e\u6210\u529f\u306f\u6211\u3005\u306e\u6210\u529f\u3067\u3042\u308a\u3001\u5f7c\u3089\u306b\u306f\u3053\u308c\u304b\u3089\u3082\u7d9a\u3051\u3066\u3082\u3089\u3044\u305f\u3044\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ashwin Shirvaikar &#8212; Citi &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002\u5206\u304b\u308a\u307e\u3057\u305f\u3002\u305d\u308c\u304b\u3089\u3001\u7533\u3057\u8a33\u306a\u3044\u306e\u3067\u3059\u304c\u3001\u7b2c3\u56db\u534a\u671f\u3001\u7b2c4\u56db\u534a\u671f\u306e\u30b3\u30e1\u30f3\u30c8\u3067\u306f\u3001\u6b21\u306e2\u30013\u56db\u534a\u671f\u306e\u3053\u3068\u3092\u8003\u3048\u305f\u3068\u304d\u306e\u3001\u3044\u308f\u3070\u300c\u843d\u3061\u8fbc\u307f\u300d\u306b\u3064\u3044\u3066\u3001\u3042\u307e\u308a\u660e\u78ba\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u4e3b\u306b\u6ce8\u610f\u304c\u5fc5\u8981\u306a\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u3064\u307e\u308a\u3001\u7a0e\u91d1\u306e\u554f\u984c\u306f\u308f\u304b\u308a\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u307e\u305f\u3001\u73fe\u5728\u306e\u696d\u7e3e\u3092\u898b\u308b\u3068\u3001\u30c7\u30eb\u30bf\u822a\u7a7a\u306a\u3069\u306e\u5f71\u97ff\u304c\u51fa\u3066\u3044\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u79c1\u305f\u3061\u304c\u5171\u6709\u3057\u3066\u304d\u305f\u3059\u3079\u3066\u306e\u3053\u3068\u306f\u3001\u79c1\u304c\u59cb\u3081\u3066\u30c8\u30ea\u30c3\u30d7\u3001\u305d\u3057\u3066\u3042\u306a\u305f\u306b\u5f15\u304d\u7d99\u304c\u308c\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u79c1\u305f\u3061\u304c\u8a71\u3057\u305f\u3053\u3068\u306f\u3059\u3079\u3066\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u53cd\u6620\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u307e\u3060\u8868\u9762\u3092\u306a\u305e\u3063\u3066\u3044\u308b\u3060\u3051\u3060\u3068\u601d\u3063\u3066\u3044\u307e\u3059\u3002\u5f53\u793e\u306e\u51e6\u7406\u91cf\u306f600\u5104\u30c9\u30eb\u3067\u3001\u30ab\u30fc\u30c9\u306e\u51e6\u7406\u91cf\u306f\u7c73\u56fd\u3060\u3051\u30676\u5146\u30c9\u30eb\u3042\u308a\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u7c73\u56fd\u3060\u3051\u3067\u30826\u5146\u30c9\u30eb\u306e\u30ab\u30fc\u30c9\u53d6\u6271\u9ad8\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u308c\u3067\u306f\u3001\u307e\u305a\u6700\u521d\u306b\u3001\u30c8\u30ea\u30c3\u30d7\u306b\u8cea\u554f\u3092\u304a\u9858\u3044\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30c8\u30ea\u30c3\u30d7\u30fb\u30d5\u30a7\u30a4\u30af\u30b9 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30a2\u30b7\u30e5\u30a6\u30a3\u30f3\uff1a\u7b2c3\u56db\u534a\u671f\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306f\u3001\u3084\u306f\u308a\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3068BNPL\u5206\u91ce\u306e\u597d\u8abf\u3055\u3092\u53cd\u6620\u3057\u3066\u3044\u307e\u3059\u3002ODD\u306b\u82e5\u5e72\u306e\u5f31\u3055\u304c\u898b\u3089\u308c\u308b\u3053\u3068\u3092\u8868\u660e\u3057\u307e\u3057\u305f\u304c\u3001\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u306f\u5f15\u304d\u7d9a\u304d\u975e\u5e38\u306b\u9ad8\u3044\u30ec\u30d9\u30eb\u306b\u3042\u308a\u307e\u3059\u3002\u7d14\u53ce\u76ca\u306e\u524d\u5e74\u540c\u671f\u6bd438\uff05\u306e\u6210\u9577\u306f\u3001\u5f53\u793e\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u306e\u4e2d\u9593\u70b9\u3067\u3059\u3002\u305d\u3057\u3066\u30012020\u5e74\u306b\u5411\u3051\u3066\u7b2c3\u56db\u534a\u671f\u306e\u666f\u6c17\u523a\u6fc0\u7b56\u3092\u8b1b\u3058\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3067\u3059\u304b\u3089\u3001\u79c1\u305f\u3061\u306f\u5f15\u304d\u7d9a\u304d\u614e\u91cd\u306b\u884c\u52d5\u3057\u307e\u3059\u3002\u307e\u305f\u3001\u65b0\u898f\u516c\u958b\u4f01\u696d\u3068\u3057\u3066\u614e\u91cd\u306b\u884c\u52d5\u3057\u3066\u3044\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ashwin Shirvaikar &#8212; Citi &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u4e86\u89e3\u3057\u307e\u3057\u305f\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6b21\u306e\u8cea\u554f\u306f\u3001\u30a6\u30a3\u30ea\u30a2\u30e0\u30fb\u30d6\u30ec\u30a2\u306e\u30dc\u30d6\u30fb\u30ca\u30dd\u30ea\u3055\u3093\u3067\u3059\u3002\u3069\u3046\u305e\u3001\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\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<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3053\u3093\u306b\u3061\u306f\u3002\u7b2c1\u56db\u534a\u671f\u306e\u96fb\u8a71\u4f1a\u8b70\u3067IPO\u304c\u6210\u529f\u3057\u3001\u597d\u8abf\u306a\u6570\u5b57\u304c\u51fa\u305f\u3053\u3068\u306b\u304a\u795d\u3044\u306e\u8a00\u8449\u3092\u8ff0\u3079\u3055\u305b\u3066\u304f\u3060\u3055\u3044\u3002\u30b8\u30a7\u30a4\u30bd\u30f3\u3001\u3042\u306a\u305f\u304c\u6307\u6458\u3057\u305f\u3088\u3046\u306b\u3001\u7c73\u56fd\u3060\u3051\u3067\u306a\u304f\u56fd\u969b\u7684\u306b\u3082\u5927\u304d\u306a\u30c1\u30e3\u30f3\u30b9\u304c\u3042\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u73fe\u5728\u3001\u3042\u308b\u3044\u306f\u6628\u5e74\u306f\u3001\u5fa1\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u3054\u304f\u4e00\u90e8\u30012\uff05\u7a0b\u5ea6\u3060\u3063\u305f\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u6d77\u5916\u306b\u3082\u5927\u304d\u306a\u30c1\u30e3\u30f3\u30b9\u304c\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u6d77\u5916\u306b\u3082\u591a\u304f\u306e\u304a\u5ba2\u69d8\u304c\u3044\u3089\u3063\u3057\u3083\u3044\u307e\u3059\u3002\u6d77\u5916\u306e\u304a\u5ba2\u69d8\u306e\u6210\u9577\u306b\u3064\u3044\u3066\u3001\u6210\u9577\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u5927\u304d\u306a\u90e8\u5206\u3092\u5360\u3081\u308b\u3088\u3046\u306b\u306a\u308b\u305f\u3081\u306b\u306f\u4f55\u304c\u5fc5\u8981\u306a\u306e\u304b\u3092\u8003\u3048\u3066\u307f\u307e\u3057\u305f\u3002APAC\u307e\u305f\u306fEMEA\u3067AWS\u306e\u30b7\u30cb\u30a2\u30a8\u30b0\u30bc\u30af\u30c6\u30a3\u30d6\u3092\u63a1\u7528\u3057\u305f\u3070\u304b\u308a\u3067\u3059\u3088\u306d\u3002\u305d\u308c\u3082\u6226\u7565\u306e\u3072\u3068\u3064\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u306d\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Darren\u3092\u63a1\u7528\u3057\u305f\u6226\u7565\u306e\u4e00\u90e8\u306f\u3001\u5f7c\u306e10\u5e74\u4ee5\u4e0a\u306b\u308f\u305f\u308bAWS\u3067\u306e\u7d4c\u9a13\u3067\u3042\u308a\u3001\u305d\u308c\u3092EMEA\u5168\u4f53\u3067\u5f37\u529b\u306a\u30d3\u30b8\u30cd\u30b9\u306b\u767a\u5c55\u3055\u305b\u308b\u3053\u3068\u3001\u7279\u306b\u56fd\u969b\u7684\u306a\u6d3b\u52d5\u306f\u975e\u5e38\u306b\u91cd\u8981\u3067\u3059\u3002\u307e\u305a\u306f\u3053\u306e\u70b9\u304b\u3089\u304a\u8a71\u3057\u3057\u307e\u3059\u3002\u73fe\u4ee3\u306e\u30ab\u30fc\u30c9\u767a\u884c\u306f\u3001\u78ba\u304b\u306b\u753a\u3001\u90fd\u5e02\u3001\u56fd\u3001\u5927\u9678\u306b\u81f3\u308b\u307e\u3067\u4e16\u754c\u7684\u306a\u73fe\u8c61\u3067\u3042\u308a\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u3042\u308c\u30aa\u30d5\u30e9\u30a4\u30f3\u3067\u3042\u308c\u3001\u304a\u5ba2\u69d8\u304c\u6c7a\u6e08\u30ab\u30fc\u30c9\u3092\u53d7\u3051\u5165\u308c\u308b\u80fd\u529b\u306f\u4e16\u754c\u4e2d\u3067\u6210\u9577\u3057\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u305d\u3057\u3066\u3001\u305d\u308c\u306b\u306f\u5168\u304f\u5909\u5316\u304c\u306a\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u3069\u3053\u308d\u304b\u3001\u73fe\u91d1\u304c\u5927\u5e45\u306b\u6e1b\u3063\u3066\u3044\u308b\u306e\u3067\u3059\u304b\u3089\u3001\u30ab\u30fc\u30c9\u6c7a\u6e08\u306f\u5897\u3048\u3066\u3044\u304f\u3067\u3057\u3087\u3046\u3002\u3053\u308c\u306f\u56fd\u969b\u7684\u306a\u3082\u306e\u3067\u3042\u308a\u3001\u7279\u306bMarqeta\u306b\u3068\u3063\u3066\u306f\u5c06\u6765\u7684\u306b\u5927\u304d\u306a\u30c1\u30e3\u30f3\u30b9\u3067\u3059\u3002\u5f53\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u306f\u9577\u3044\u9593\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u3082\u306e\u3067\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u57fa\u672c\u7684\u306b\u306f\u3001\u4e16\u754c\u4e2d\u306e\u3042\u3089\u3086\u308b\u56fd\u3067\u53d6\u5f15\u3092\u884c\u3063\u3066\u304d\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u5148\u307b\u3069\u8ff0\u3079\u305f\u3088\u3046\u306b\u3001\u73fe\u91d1\u304b\u3089\u30ab\u30fc\u30c9\u3078\u306e\u79fb\u884c\u3001\u305d\u3057\u3066\u30ab\u30fc\u30c9\u304b\u3089\u30e2\u30d0\u30a4\u30eb\u3078\u306e\u79fb\u884c\u306f\u3001\u307e\u3055\u306b\u4e16\u754c\u7684\u306a\u73fe\u8c61\u3067\u3059\u3002\u3067\u3059\u304b\u3089\u3001\u5f53\u793e\u306e\u9577\u671f\u7684\u306a\u6226\u7565\u306b\u5408\u81f4\u3057\u3001\u65e2\u5b58\u306e\u304a\u5ba2\u69d8\u3068\u305d\u306e\u62e1\u5f35\u8a08\u753b\u3092\u30b5\u30dd\u30fc\u30c8\u3057\u3001\u73fe\u5730\u3067\u5f37\u529b\u306a\u30d3\u30b8\u30cd\u30b9\u3092\u69cb\u7bc9\u3059\u308b\u305f\u3081\u306e\u6761\u4ef6\u304c\u6574\u3044\u3001\u3053\u308c\u3089\u306e\u6210\u679c\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306b\u5f37\u529b\u306a\u4eba\u6750\u3092\u63a1\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u5834\u5408\u306b\u306f\u3001\u65b0\u898f\u5e02\u5834\u3078\u306e\u53c2\u5165\u3092\u884c\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u305d\u3057\u3066\u3001\u5f53\u793e\u306e\u56fd\u969b\u7684\u306a\u8a08\u753b\u306f\u3001\u90e8\u5206\u7684\u306b\u306f\u304a\u5ba2\u69d8\u306b\u3088\u3063\u3066\u63a8\u9032\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306eDoorDash\u3001\u30ab\u30ca\u30c0\u306eInstacart\u3001\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306eKlarna\u3001\u30a2\u30e1\u30ea\u30ab\u3001\u30ab\u30ca\u30c0\u3001\u30e8\u30fc\u30ed\u30c3\u30d1\u306eAfterpay\u3001\u305d\u3057\u3066EU\u306eUber\u3067\u3059\u3002\u30ed\u30fc\u30c9\u30b7\u30e7\u30fc\u3067\u306f\u3001\u7c73\u56fd\u5916\u304b\u3089\u306e\u53ce\u76ca\u306f\u308f\u305a\u304b2\uff05\u3060\u3068\u304a\u8a71\u3057\u3057\u307e\u3057\u305f\u304c\u3001\u4e16\u754c\u306b\u306f30\u5146\u30c9\u30eb\u306e\u30ab\u30fc\u30c9\u767a\u884c\u6a5f\u4f1a\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u73fe\u5728\u306e\u767a\u884c\u679a\u6570\u306e\u591a\u304f\u306f\u3001\u30ec\u30ac\u30b7\u30fc\u306a\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u304b\u3089\u6700\u65b0\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u79fb\u884c\u3057\u3066\u3044\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u305d\u306e\u305f\u3081\u3001\u6d77\u5916\u5e02\u5834\u3067\u306e\u6210\u9577\u306f\u975e\u5e38\u306b\u5927\u304d\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u8cea\u554f\u306e\u4e00\u90e8\u306b\u300c\u4f55\u304c\u5fc5\u8981\u304b\u300d\u3068\u3044\u3046\u3082\u306e\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u3069\u306e\u56fd\u3082\u9055\u3044\u307e\u3059\u3002\u304a\u91d1\u306e\u52d5\u304d\u65b9\u3082\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3082\u3001\u30eb\u30fc\u30eb\u3082\u3001\u56fd\u3054\u3068\u306b\u9055\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u6d88\u8cbb\u8005\u306e\u30c7\u30fc\u30bf\u3001PII\uff08\u500b\u4eba\u3092\u7279\u5b9a\u3067\u304d\u308b\u60c5\u5831\uff09\u306e\u7ba1\u7406\u65b9\u6cd5\u3082\u7570\u306a\u308a\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3060\u304b\u3089\u3053\u305d\u3001\u79c1\u305f\u3061\u306f\u3042\u308b\u56fd\u306b\u9032\u51fa\u3059\u308b\u969b\u306b\u306f\u3001\u975e\u5e38\u306b\u614e\u91cd\u306b\u884c\u52d5\u3057\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u5f53\u7136\u306e\u3053\u3068\u3067\u3059\u304c\u3001\u79c1\u305f\u3061\u306f\u4e21\u65b9\u306e\u56fd\u3067\u30d3\u30b8\u30cd\u30b9\u3092\u5c55\u958b\u3057\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u5f53\u7136\u306e\u3053\u3068\u306a\u304c\u3089\u3001\u305d\u306e\u56fd\u3067\u7d20\u6674\u3089\u3057\u3044\u30d3\u30b8\u30cd\u30b9\u3092\u69cb\u7bc9\u3057\u3001\u4e16\u754c\u3092\u79fb\u52d5\u3059\u308b\u304a\u5ba2\u69d8\u3092\u30b5\u30dd\u30fc\u30c8\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30dc\u30d6\u30fb\u30ca\u30dd\u30ea &#8212; 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400;\">\u4ed6\u306b\u3082\u591a\u304f\u306e\u30cd\u30aa\u30d0\u30f3\u30af\u304c\u3042\u308a\u3001\u305d\u306e\u3046\u3061\u306e\u3044\u304f\u3064\u304b\u306f\u8cb4\u793e\u304c\u4fdd\u6709\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u591a\u304f\u306f\u73fe\u5728\u4fdd\u6709\u3057\u3066\u3044\u307e\u305b\u3093\u3057\u3001\u4f55\u3068\u3044\u3046\u304b\u3001\u305d\u306e\u5206\u91ce\u3067\u306f\u65b0\u3057\u3044\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u4f01\u696d\u304c\u305f\u304f\u3055\u3093\u3042\u308a\u307e\u3059\u3002\u5927\u898f\u6a21\u306a\u9280\u884c\u306e\u9818\u57df\u3068\u3001\u30b9\u30af\u30a8\u30a2\u4ee5\u5916\u306e\u30cd\u30aa\u30d0\u30f3\u30af\u306e\u53ef\u80fd\u6027\u306b\u3064\u3044\u3066\u8003\u3048\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001Square\u3068\u306e\u5951\u7d04\u3067\u3001\u4ed6\u306e\u30cd\u30aa\u30d0\u30f3\u30af\u3084\u4ed6\u306e\u9280\u884c\u3068\u306e\u9023\u643a\u3092\u7981\u6b62\u3059\u308b\u3088\u3046\u306a\u3053\u3068\u306f\u3042\u308a\u307e\u3059\u304b\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u5951\u7d04\u4e0a\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u62e1\u5927\u3092\u59a8\u3052\u308b\u3082\u306e\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u3046\u3067\u3059\u306d\u3002\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u306e\u5206\u91ce\u306f\u3001Marqeta\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u5206\u91ce\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u3053\u306e\u5206\u91ce\u306b\u975e\u5e38\u306b\u6ce8\u529b\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30c7\u30b8\u30bf\u30eb\u30fb\u30d0\u30f3\u30ad\u30f3\u30b0\u3084\u30cd\u30aa\u30d0\u30f3\u30ad\u30f3\u30b0\u306a\u3069\u3001\u3069\u306e\u3088\u3046\u306a\u30ec\u30c3\u30c6\u30eb\u3092\u8cbc\u3063\u3066\u3082\u3001\u5927\u304d\u306a\u7834\u58ca\u529b\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002\u30b8\u30a7\u30a4\u30df\u30fc\u30fb\u30c0\u30a4\u30e2\u30f3\u3082\u3001\u30cd\u30aa\u30d0\u30f3\u30af\u3084\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af\u304c\u3082\u305f\u3089\u3059\u7834\u58ca\u306b\u3064\u3044\u3066\u8a9e\u3063\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001Square\u3084Cash App\u3001\u5f53\u793e\u304c\u69cb\u7bc9\u3057\u305f\u30ab\u30fc\u30c9\u3001\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u4e0a\u306b\u69cb\u7bc9\u3055\u308c\u305f\u305d\u306e\u4ed6\u306e\u88fd\u54c1\u306a\u3069\u306e\u4f01\u696d\u306e\u6210\u9577\u3082\u898b\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306f\u30d3\u30b8\u30cd\u30b9\u3068\u3057\u3066\u975e\u5e38\u306b\u76ee\u7684\u610f\u8b58\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u5546\u53d6\u5f15\u306e\u7834\u58ca\u8005\u304c\u73fe\u308c\u59cb\u3081\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af\u306b\u79fb\u884c\u3057\u5927\u898f\u6a21\u306a\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30fb\u30b8\u30e3\u30a4\u30a2\u30f3\u30c8\u304c\u73fe\u308c\u307e\u3057\u305f\u3002J.P.\u30e2\u30eb\u30ac\u30f3\u30fb\u30c1\u30a7\u30fc\u30b9\u3001\u5e02\u5834\u3067\u306f\u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9\u304c\u305d\u3046\u3067\u3059\u306d\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30e2\u30eb\u30ac\u30f3\u30fb\u30c1\u30a7\u30fc\u30b9\u3001\u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9\u304c\u5e02\u5834\u306b\u53c2\u5165\u3057\u305f\u3053\u3068\u3067\u3001\u79c1\u305f\u3061\u306fLFI\uff08\u5927\u898f\u6a21\u91d1\u878d\u6a5f\u95a2\uff09\u306b\u53c2\u5165\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u3089\u306e\u5927\u898f\u6a21\u306a\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u73fe\u5728\u306e\u53d6\u5f15\u91cf\u306e\u5927\u534a\u3092\u5360\u3081\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u8fd1\u4ee3\u5316\u3092\u76ee\u6307\u3057\u3066\u3044\u307e\u3059\u3002\u30aa\u30f3\u30d7\u30ec\u30df\u30b9\u304b\u3089\u30af\u30e9\u30a6\u30c9\u3078\u3001\u3042\u308b\u3044\u306f\u30aa\u30f3\u30d7\u30ec\u30df\u30b9\u3067\u7ba1\u7406\u3057\u3066\u3044\u305f\u30cf\u30fc\u30c9\u30a6\u30a7\u30a2\u3092\u30af\u30e9\u30a6\u30c9\u306b\u79fb\u884c\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u308c\u306f\u3001\u5f53\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u4e2d\u6838\u3092\u306a\u3059\u3082\u306e\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u305d\u308c\u304c\u79c1\u305f\u3061\u306e\u672a\u6765\u306b\u5bfe\u3059\u308b\u8003\u3048\u65b9\u306a\u306e\u3067\u3059\u3002\u3059\u3079\u3066\u304c\u30af\u30e9\u30a6\u30c9\u306b\u79fb\u884c\u3057\u3064\u3064\u3042\u308b\u3053\u3068\u306f\u627f\u77e5\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u5927\u624b\u91d1\u878d\u6a5f\u95a2\u304c\u65b0\u3057\u3044\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u69cb\u7bc9\u3057\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u308b\u3053\u3068\u3082\u77e5\u3063\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30af\u30e9\u30a6\u30c9\u306f\u3001\u7dcf\u6240\u6709\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3067\u304d\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u69cb\u7bc9\u3068\u53cd\u5fa9\u3092\u3088\u308a\u8fc5\u901f\u306b\u884c\u3044\u3001\u65b0\u88fd\u54c1\u3092\u3053\u308c\u307e\u3067\u3088\u308a\u3082\u306f\u308b\u304b\u306b\u65e9\u304f\u5e02\u5834\u306b\u6295\u5165\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u5546\u53d6\u5f15\u306e\u7834\u58ca\u8005\u3001\u30c7\u30b8\u30bf\u30eb\u30d0\u30f3\u30af\u3001\u5927\u624b\u30cf\u30a4\u30c6\u30af\u4f01\u696d\u3001\u305d\u3057\u3066\u591a\u304f\u306e\u5927\u624b\u30cf\u30a4\u30c6\u30af\u4f01\u696d\u304c\u4f55\u3089\u304b\u306e\u5f62\u3067\u91d1\u878d\u6a5f\u95a2\u306b\u306a\u308b\u3053\u3068\u3092\u671b\u3093\u3067\u3044\u308b\u3068\u8003\u3048\u3066\u3044\u307e\u3059\u3002\u305d\u3057\u3066\u3001\u5927\u624b\u91d1\u878d\u6a5f\u95a2\u3084\u65e2\u5b58\u306e\u91d1\u878d\u6a5f\u95a2\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u3001\u65e2\u5b58\u306e\u30d3\u30b8\u30cd\u30b9\u3092\u6210\u9577\u3055\u305b\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u3053\u308c\u3089\u306e\u7279\u5b9a\u306e\u72b6\u6cc1\u4e0b\u3067\u3088\u308a\u591a\u304f\u306e\u30d3\u30b8\u30cd\u30b9\u3092\u7372\u5f97\u3059\u308b\u65b9\u6cd5\u306b\u3064\u3044\u3066\u3001\u975e\u5e38\u306b\u660e\u78ba\u3067\u7dfb\u5bc6\u306a\u6226\u7565\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\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<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3068\u3066\u3082\u53c2\u8003\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">[\u6b21\u306e\u8cea\u554f\u306f\u3001\u30af\u30ec\u30a4\u30b0\u30fb\u30e0\u30fc\u30a2\u3055\u3093\uff08\u533f\u540d\uff09\u304b\u3089\u3067\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u767a\u8a00\u8005\u4e0d\u660e<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u79c1\u306e\u8cea\u554f\u3092\u805e\u3044\u3066\u304f\u3060\u3055\u3063\u3066\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u7c21\u6f54\u306b\u304a\u7b54\u3048\u3057\u307e\u3059\u3068\u3001\u3061\u3087\u3063\u3068\u3057\u305f\u8cea\u554f\u3067\u3059\u3002Square\u793e\u306b\u3088\u308bAfterpay\u793e\u306e\u8cb7\u53ce\u306b\u3088\u3063\u3066\u3001Square\u793e\u3068\u306e\u5951\u7d04\u306b\u91cd\u5927\u306a\u4e0d\u5229\u76ca\u5909\u66f4\u6761\u9805\u304c\u767a\u751f\u3057\u3001\u518d\u4ea4\u6e09\u306e\u30b9\u30b1\u30b8\u30e5\u30fc\u30eb\u304c\u3088\u308a\u7a4d\u6975\u7684\u306b\u306a\u308b\u53ef\u80fd\u6027\u306f\u3042\u308a\u307e\u3059\u304b\uff1f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Jason Gardner &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3001\u30af\u30ec\u30a4\u30b0\u3002Square\u3068Afterpay\u306e\u4e21\u793e\u306f\u3001\u305d\u308c\u305e\u308c\u306e\u30d3\u30b8\u30cd\u30b9\u3092\u63a8\u9032\u3059\u308b\u305f\u3081\u306b\u3001\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u8907\u6570\u306e\u90e8\u5206\u3092\u5229\u7528\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u6c17\u4ed8\u3044\u305f\u306e\u3067\u3059\u304c\u3001Afterpay\u306f\u3001\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u5229\u7528\u3057\u3066\u3044\u308b\u304a\u5ba2\u69d8\u306e\u4e2d\u3067\u3001\u53d6\u5f15\u91cf\u304c\u30c8\u30c3\u30d75\u306b\u5165\u3063\u3066\u3044\u307e\u305b\u3093\u3002\u3057\u305f\u304c\u3063\u3066\u3001\u3053\u306e\u7d44\u307f\u5408\u308f\u305b\u306b\u3088\u3063\u3066\u96c6\u4e2d\u30ea\u30b9\u30af\u304c\u5927\u304d\u304f\u5909\u5316\u3057\u3001\u518d\u4ea4\u6e09\u306a\u3069\u306e\u304d\u3063\u304b\u3051\u306b\u306a\u308b\u3068\u306f\u8003\u3048\u3066\u3044\u307e\u305b\u3093\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u307e\u305f\u3001\u4e21\u793e\u306fMarqeta\u793e\u30682024\u5e74\u307e\u3067\u306e\u9577\u671f\u5951\u7d04\u3092\u7d50\u3093\u3067\u3044\u308b\u3053\u3068\u3082\u4ed8\u3051\u52a0\u3048\u3066\u304a\u304d\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u767a\u8a00\u8005\u4e0d\u660e<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u3068\u3066\u3082\u53c2\u8003\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6b21\u306e\u8cea\u554f\u306f\u3001\u307f\u305a\u307b\u306e\u30c0\u30f3\u30fb\u30c9\u30ec\u30f4\u3055\u3093\u3067\u3059\u3002\u3069\u3046\u305e\u304a\u9032\u307f\u304f\u3060\u3055\u3044\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Dan Dolev &#8212; \u307f\u305a\u307b\u8a3c\u5238 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u79c1\u306e\u8cea\u554f\u306b\u7b54\u3048\u3066\u304f\u3060\u3055\u3063\u3066\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u5229\u56de\u308a\u304c\u524d\u56db\u534a\u671f\u6bd4\u3067\u7d041\u30dd\u30a4\u30f3\u30c8\u6539\u5584\u3057\u305f\u306e\u306f\u826f\u304b\u3063\u305f\u3068\u601d\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u91cd\u8981\u306a\u8ad6\u70b9\u306f\u3001\u30b9\u30af\u30a8\u30a2\u306e\u5229\u56de\u308a\u3068\u975e\u30b9\u30af\u30a8\u30a2\u306e\u5229\u56de\u308a\u304c\u3069\u3046\u306a\u3063\u3066\u3044\u308b\u304b\u3068\u3044\u3046\u3053\u3068\u3067\u3057\u305f\u3002\u660e\u3089\u304b\u306b\u30012020\u5e74\u306b\u306f\u5927\u5e45\u306b\u4f4e\u4e0b\u3057\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u4f55\u304c\u8d77\u3053\u3063\u3066\u3044\u308b\u306e\u304b\u3001\u3082\u3046\u5c11\u3057\u7406\u89e3\u3059\u308b\u306e\u306b\u5f79\u7acb\u3064\u3068\u601d\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u4f55\u304c\u8d77\u3053\u3063\u3066\u3044\u308b\u306e\u304b\u3092\u3082\u3046\u5c11\u3057\u6b63\u78ba\u306b\u8aac\u660e\u3057\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\uff1f\u3054\u5354\u529b\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u3069\u3046\u3082\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30c8\u30ea\u30c3\u30d7\u30fb\u30d5\u30a7\u30a4\u30af\u30b9 &#8212; \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u306e\u8cea\u554f\u306b\u306f\u559c\u3093\u3067\u304a\u7b54\u3048\u3057\u307e\u3059\u3002\u30b9\u30af\u30a8\u30a2\u4ee5\u5916\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306b\u3064\u3044\u3066\u3001\u3044\u304f\u3064\u304b\u8aa4\u3063\u305f\u60c5\u5831\u304c\u3042\u3063\u305f\u3088\u3046\u306a\u306e\u3067\u3001\u305d\u308c\u3092\u660e\u78ba\u306b\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u7b2c\u4e00\u306b\u3001\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306f\u975e\u5e38\u306b\u591a\u69d8\u3067\u3059\u3002\u30aa\u30f3\u30c7\u30de\u30f3\u30c9\u30fb\u30c7\u30ea\u30d0\u30ea\u30fc\u3001Buy Now Pay Later\u3001\u7d4c\u8cbb\u7ba1\u7406\u3001E\u30b3\u30de\u30fc\u30b9\u30fb\u30a4\u30cd\u30fc\u30d6\u30eb\u30e1\u30f3\u30c8\u306a\u3069\u304c\u3042\u308a\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u7b2c\u4e8c\u306b\u3001\u3053\u308c\u3089\u306e\u5206\u91ce\u306e\u58f2\u4e0a\u9ad8\u306f\u56db\u534a\u671f\u3054\u3068\u306b\u5909\u52d5\u3057\u307e\u3059\u3002\u5f53\u793e\u306f\u4f7f\u7528\u30d9\u30fc\u30b9\u306e\u30d3\u30b8\u30cd\u30b9\u3067\u3059\u30023\u3064\u76ee\u306f\u3001\u304a\u5ba2\u69d8\u306b\u63d0\u4f9b\u3059\u308b\u30b5\u30fc\u30d3\u30b9\u306e\u5185\u5bb9\u304c\u7570\u306a\u308b\u3053\u3068\u3067\u3059\u3002\u307e\u305f\u3001\u6d88\u8cbb\u8005\u5411\u3051\u3068\u696d\u52d9\u7528\u3067\u306f\u3001\u58f2\u4e0a\u539f\u4fa1\u306e\u69cb\u9020\u304c\u7570\u306a\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30b9\u30af\u30a8\u30a2\u4ee5\u5916\u306e\u4e00\u90e8\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u306f\u3001TPV\u304c\u6025\u6fc0\u306b\u5897\u52a0\u3057\u307e\u3057\u305f\u3002Q\u3067\u306f\u3001\u30c8\u30c3\u30d75\u4ee5\u5916\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u304c265\uff05\u6210\u9577\u3057\u305f\u3053\u3068\u3092\u5f37\u8abf\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u7d20\u6674\u3089\u3057\u3044\u3053\u3068\u3067\u3042\u308a\u3001\u5f53\u793e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u8a3c\u660e\u3059\u308b\u3082\u306e\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u7d76\u5bfe\u306b\u58f2\u4e0a\u7dcf\u5229\u76ca\u306e\u30c9\u30eb\u6210\u9577\u3092\u76ee\u6307\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u7406\u7531\u306f\uff1f\u305d\u308c\u306f\u3001\u5897\u52a0\u3057\u305f\u53d6\u5f15\u91cf\u3092\u51e6\u7406\u3059\u308b\u305f\u3081\u306e\u9650\u754c\u30b3\u30b9\u30c8\u304c\u6700\u5c0f\u9650\u3067\u3042\u308b\u304b\u3089\u3067\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u308c\u3067\u3001\u3053\u308c\u3089\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306b\u3064\u3044\u3066\u5c11\u3057\u306f\u7406\u89e3\u3067\u304d\u305f\u3067\u3057\u3087\u3046\u304b\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Dan Dolev &#8212; \u307f\u305a\u307b\u8a3c\u5238 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3048\u3048\u3001\u305d\u3046\u3067\u3059\u306d\u3002\u3064\u307e\u308a\u3001\u79c1\u306f\u5b9f\u969b\u306b\u5177\u4f53\u7684\u306a\u30c7\u30fc\u30bf\u3092\u6c42\u3081\u3066\u3044\u305f\u306e\u3067\u3059\u304c\u3001\u3042\u306a\u305f\u304c\u4f55\u3092\u8a00\u3044\u305f\u3044\u306e\u304b\u306f\u7406\u89e3\u3067\u304d\u307e\u3057\u305f\u3002\u611f\u8b1d\u3057\u3066\u3044\u307e\u3059\u3002\u3069\u3046\u3082\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30aa\u30da\u30ec\u30fc\u30bf\u30fc<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u6b21\u306e\u8cea\u554f\u306f\u3001\u30c8\u30a5\u30eb\u30fc\u30b9\u30c8\u306e\u30a2\u30f3\u30c9\u30ea\u30e5\u30fc\u30fb\u30b8\u30a7\u30d5\u30ea\u30fc\u3055\u3093\u3067\u3059\u3002\u3069\u3046\u305e\u3088\u308d\u3057\u304f\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30a2\u30f3\u30c9\u30ea\u30e5\u30fc\u30fb\u30b8\u30a7\u30d5\u30ea\u30fc &#8212; \u30c8\u30ed\u30a4\u30b9\u30c8\u8a3c\u5238 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30b8\u30a7\u30a4\u30bd\u30f3\u3055\u3093\u3001\u30c8\u30ea\u30c3\u30d7\u3055\u3093\u3001\u3054\u8cea\u554f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u30de\u30eb\u30b1\u30bf\u304c\u5f37\u8abf\u3057\u3066\u3044\u308b\u3053\u3068\u306e\u3072\u3068\u3064\u306b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u63a5\u7d9a\u6027\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u308c\u306f\u4ed6\u793e\u3068\u306e\u5dee\u5225\u5316\u3092\u56f3\u308b\u4e0a\u3067\u91cd\u8981\u306a\u30dd\u30a4\u30f3\u30c8\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u7279\u306b\u30c7\u30a3\u30b9\u30ab\u30d0\u30fc\u306b\u3064\u3044\u3066\u306f\u3001BNPL\u3084\u3053\u306e\u5206\u91ce\u3067\u884c\u308f\u308c\u3066\u3044\u308b\u6700\u8fd1\u306e\u53d6\u5f15\u306b\u95a2\u9023\u3057\u3066\u3001\u5c11\u3057\u304a\u8a71\u3092\u805e\u304b\u305b\u3066\u304f\u3060\u3055\u3044\u3002\u307e\u305f\u3001\u4ed6\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u8ffd\u52a0\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u304b\uff1f\u307e\u305f\u3001\u5168\u822c\u7684\u306b\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u6210\u9577\u76ee\u6a19\u3092\u9054\u6210\u3059\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u63a5\u7d9a\u6027\u306f\u5341\u5206\u306b\u3042\u308b\u3068\u304a\u8003\u3048\u3067\u3059\u304b\uff1f<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\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<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u3048\u3048\u3001\u3067\u306f\u79c1\u304b\u3089\u3002\u3064\u307e\u308a\u3001Visa\u3068MasterCard\u306f\u5168\u4e16\u754c\u3092\u7db2\u7f85\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u52a0\u76df\u5e97\u306e\u7686\u69d8\u306f\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u3082\u30aa\u30d5\u30e9\u30a4\u30f3\u3067\u3082\u3001Visa\u3068MasterCard\u306e\u30ab\u30fc\u30c9\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305d\u3046\u306f\u8a00\u3063\u3066\u3082\u3001\u5b9f\u306f\u4f55\u5e74\u3082\u524d\u304b\u3089Discover\u3068\u63d0\u643a\u3057\u3066\u3044\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Discover\u306f\u5f53\u793e\u306e\u6700\u521d\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3067\u3057\u305f\u3002\u6700\u521d\u306b\u7acb\u3061\u4e0a\u3052\u305f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3067\u3059\u3002Marqeta\u30ab\u30fc\u30c9\u3060\u3051\u3067\u306a\u304f\u3001Facebook\u30ab\u30fc\u30c9\u306a\u3069\u306e\u6700\u521d\u306e\u304a\u5ba2\u69d8\u3082\u30012012\u5e74\u306bDiscover\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u5229\u7528\u3057\u3066\u69cb\u7bc9\u3057\u307e\u3057\u305f\u3002\u4e16\u754c\u4e2d\u3092\u30ab\u30d0\u30fc\u3057\u3066\u3044\u308b\u304b\u3069\u3046\u304b\u3068\u3044\u3046\u3054\u8cea\u554f\u3067\u3059\u304c\u3001\u30ab\u30d0\u30fc\u3057\u3066\u3044\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3057\u304b\u3057\u3001\u3059\u3079\u3066\u306e\u56fd\u3067\u696d\u52d9\u3092\u884c\u3046\u6a29\u9650\u306f\u3042\u308a\u307e\u305b\u3093\u3002Visa\u3068MasterCard\u306e\u4e21\u65b9\u3067\u30b5\u30dd\u30fc\u30c8\u3092\u53d7\u3051\u308b\u305f\u3081\u306b\u306f\u591a\u304f\u306e\u4f5c\u696d\u304c\u5fc5\u8981\u3067\u3059\u304c\u3001\u7279\u5b9a\u306e\u56fd\u3067\u6d3b\u52d5\u3059\u308b\u305f\u3081\u306e\u9280\u884c\u306b\u3064\u3044\u3066\u306f\u3001\u305d\u306e\u8a08\u753b\u304c\u3042\u308a\u307e\u3059\u3002\u73fe\u5728\u3001\u79c1\u305f\u3061\u306f36\u30ab\u56fd\u3067\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u304a\u308a\u3001\u6210\u9577\u3092\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u30c7\u30a3\u30b9\u30ab\u30d0\u30fc\u306b\u95a2\u3057\u3066\u306f\u3001\u9577\u671f\u7684\u306a\u95a2\u4fc2\u3092\u7bc9\u3044\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u5f53\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u3092\u6210\u9577\u3055\u305b\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u4e16\u754c\u3092\u7db2\u7f85\u3059\u308b\u305f\u3081\u306b\u306f\u5fc5\u8981\u3042\u308a\u307e\u305b\u3093\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30a2\u30f3\u30c9\u30ea\u30e5\u30fc\u30fb\u30b8\u30a7\u30d5\u30ea\u30fc &#8212; \u30c8\u30ed\u30a4\u30b9\u30c8\u8a3c\u5238 &#8212; \u30a2\u30ca\u30ea\u30b9\u30c8<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u904b\u55b6\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u305d\u308c\u3067\u306f\u3001\u6700\u5f8c\u306b\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc\u3055\u3093\u306b\u3054\u6328\u62f6\u3092\u304a\u9858\u3044\u3057\u307e\u3059\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30ac\u30fc\u30c9\u30ca\u30fc &#8212; \u5275\u696d\u8005\u517c\u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u3053\u306e\u96fb\u8a71\u4f1a\u8b70\u306b\u53c2\u52a0\u3057\u3066\u304f\u3060\u3055\u3063\u305f\u7686\u3055\u3093\u3001\u305d\u3057\u3066Marqeta\u306b\u95a2\u5fc3\u3092\u6301\u3063\u3066\u304f\u3060\u3055\u3063\u305f\u7686\u3055\u3093\u3001\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002\u6b8b\u308a\u306e\u590f\u3092\u697d\u3057\u304f\u904e\u3054\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u307e\u305f\u3001\u30c8\u30ea\u30c3\u30d7\u3068\u79c1\u306f\u3001\u6b21\u306e\u56db\u534a\u671f\u306b\u7686\u3055\u3093\u3068\u304a\u8a71\u3067\u304d\u308b\u3053\u3068\u3092\u697d\u3057\u307f\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3057\u305f\u3002<\/span><\/p>\n<p><b>Operator<\/b><\/p>\n<p><span style=\"font-weight: 400;\">[Operator signoff]<\/span><\/p>\n<p><b>Duration: 60 minutes<\/b><\/p>\n<h2 id=\"i-0\"><b>Call participants:<\/b><\/h2>\n<p><b>Stacey Finerman<\/b><span style=\"font-weight: 400;\"> &#8212; <\/span><i><span style=\"font-weight: 400;\">Vice President of Investor Relations<\/span><\/i><\/p>\n<p><b>Jason Gardner<\/b><span style=\"font-weight: 400;\"> &#8212; <\/span><i><span style=\"font-weight: 400;\">Founder and Chief Executive Officer<\/span><\/i><\/p>\n<p><b>Tripp Faix<\/b><span style=\"font-weight: 400;\"> &#8212; <\/span><i><span style=\"font-weight: 400;\">Chief Financial Officer<\/span><\/i><\/p>\n<p><b>Tien-Tsin Huang<\/b><span style=\"font-weight: 400;\"> &#8212; <\/span><i><span style=\"font-weight: 400;\">J.P. 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