{"id":2689,"date":"2024-01-26T12:24:49","date_gmt":"2024-01-26T03:24:49","guid":{"rendered":"https:\/\/1up-life.blog\/?p=2689"},"modified":"2024-01-26T12:25:04","modified_gmt":"2024-01-26T03:25:04","slug":"%e3%83%93%e3%82%b6-v2024-%e5%b9%b4%e7%ac%ac-1-%e5%9b%9b%e5%8d%8a%e6%9c%9f%e6%b1%ba%e7%ae%97%e8%aa%ac%e6%98%8e%e4%bc%9a","status":"publish","type":"post","link":"https:\/\/1up-life.blog\/?p=2689","title":{"rendered":"\u30d3\u30b6 (V)2024 \u5e74\u7b2c 1 \u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a"},"content":{"rendered":"

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2 \u3064\u76ee\u306f\u3001\u7279\u306b\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30d3\u30b8\u30cd\u30b9\u3092\u63a8\u9032\u3059\u308b\u305f\u3081\u306b\u3001\u65b0\u3057\u3044\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3001\u65b0\u3057\u3044\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3001\u65b0\u3057\u3044\u5782\u76f4\u5206\u91ce\u3092\u6a21\u7d22\u3057\u7d9a\u3051\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u3002 3 \u3064\u76ee\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u95a2\u4fc2\u306a\u304f\u3001\u3059\u3079\u3066\u306e\u53d6\u5f15\u306b\u4fa1\u5024\u3092\u4ed8\u52a0\u3059\u308b\u3053\u3068\u3092\u76ee\u6307\u3057\u3066\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5168\u4f53\u306b\u308f\u305f\u308b\u9769\u65b0\u7684\u306a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u5e02\u5834\u306b\u6295\u5165\u3057\u3066\u304d\u307e\u3057\u305f\u3002 \u305d\u3057\u3066 4 \u3064\u76ee\u306f\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u3078\u306e\u30b5\u30fc\u30d3\u30b9\u3068\u3057\u3066\u5f53\u793e\u306e\u30d6\u30e9\u30f3\u30c9\u3092\u62e1\u5927\u3059\u308b\u305f\u3081\u306e\u65b0\u3057\u304f\u9769\u65b0\u7684\u306a\u65b9\u6cd5\u3092\u5e38\u306b\u6a21\u7d22\u3057\u3066\u3044\u307e\u3059\u3002 \u3053\u308c\u3089\u306e\u30c6\u30fc\u30de\u3092\u5ff5\u982d\u306b\u7f6e\u3044\u3066\u3001\u3053\u306e\u56db\u534a\u671f\u306b\u3064\u3044\u3066\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u8aac\u660e\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u6d88\u8cbb\u8005\u306e\u652f\u6255\u3044\u304b\u3089\u59cb\u3081\u307e\u3057\u3087\u3046\u3002 \u8cc7\u683c\u3001\u627f\u8a8d\u3001\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u304c\u7d99\u7d9a\u7684\u306b\u5897\u52a0\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3057\u305f\u3002 \u8a8d\u8a3c\u60c5\u5831\u306f 6% \u5897\u52a0\u3057\u3001\u73fe\u5728\u3067\u306f 55% \u5897\u52a0\u3057\u3066 87 \u5104\u4ee5\u4e0a\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af \u30c8\u30fc\u30af\u30f3\u3092\u4fdd\u6709\u3057\u3066\u3044\u307e\u3059\u3002 \u53d7\u4ed8\u5834\u6240\u306f 17% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u305d\u3057\u3066\u3001\u79c1\u305f\u3061\u304c\u53d7\u3051\u5165\u308c\u3092\u62e1\u5927\u3057\u305f\u6700\u8fd1\u306e 2 \u3064\u306e\u4f8b\u3092\u53d6\u308a\u4e0a\u3052\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002 \u6700\u521d\u306f\u30d6\u30e9\u30b8\u30eb\u3067 CAIXA \u3092\u5229\u7528\u3057\u300110,000 \u3092\u8d85\u3048\u308b\u5b9d\u304f\u3058\u652f\u5e97\u3067\u73fe\u91d1\u4ea4\u63db\u3092\u884c\u3044\u307e\u3057\u305f\u3002 \u73fe\u5728\u3001\u516c\u5171\u6599\u91d1\u3001\u5fb4\u7a0e\u3001\u5b9d\u304f\u3058\u3001\u30dc\u30ec\u30c8\u3068\u547c\u3070\u308c\u308b\u30d0\u30a6\u30c1\u30e3\u30fc\u652f\u6255\u3044\u306e\u652f\u6255\u3044\u306b\u3001Visa \u30af\u30ec\u30b8\u30c3\u30c8 \u30ab\u30fc\u30c9\u3068\u30c7\u30d3\u30c3\u30c8 \u30ab\u30fc\u30c9\u3092\u53d7\u3051\u5165\u308c\u3066\u3044\u307e\u3059\u3002 \u3082\u30461\u3064\u306e\u4f8b\u306f\u3001\u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u5730\u57df\u3067\u3001\u30d0\u30f3\u30b0\u30e9\u30c7\u30b7\u30e5\u6700\u5927\u306e\u30e2\u30d0\u30a4\u30eb\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u4f01\u696d\u3067\u3042\u308bbKash\u3068\u5951\u7d04\u3092\u7de0\u7d50\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u3059\u3067\u306b Visa Direct \u306e\u9867\u5ba2\u3068\u306a\u3063\u3066\u3044\u308b\u540c\u793e\u306f\u3001\u56fd\u5185\u306e 1,500 \u4e07\u4eba\u4ee5\u4e0a\u306e Visa \u30ab\u30fc\u30c9\u6240\u6709\u8005\u304c\u3001\u30a2\u30d7\u30ea\u5185 QR \u30b3\u30fc\u30c9\u3092\u4f7f\u7528\u3057\u3066 550,000 \u3092\u8d85\u3048\u308b bKash \u52a0\u76df\u5e97\u3067\u652f\u6255\u3044\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u307e\u3057\u305f\u3002 \u3053\u308c\u3089\u306e\u4f8b\u306f\u3001\u4e16\u754c\u7684\u306a\u53d7\u3051\u5165\u308c\u5b9f\u7e3e\u3092\u62e1\u5927\u3059\u308b\u305f\u3081\u306e\u30ed\u30fc\u30ab\u30eb\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002 \u30bf\u30c3\u30d7\u30fb\u30c8\u30a5\u30fb\u30da\u30a4\u306f\u6628\u5e74\u304b\u30895\u30dd\u30a4\u30f3\u30c8\u5897\u52a0\u3057\u3001\u7c73\u56fd\u3092\u9664\u304f\u4e16\u754c\u306e\u5bfe\u9762\u53d6\u5f15\u306e77\uff05\u3092\u5360\u3081\u305f\u3002 \u7c73\u56fd\u3067\u306f\u666e\u53ca\u7387\u304c 45% \u306b\u9054\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u7b2c 1 \u56db\u534a\u671f\u306e\u30cf\u30a4\u30e9\u30a4\u30c8\u306e 1 \u3064\u306f\u3001Lowe’s \u304c\u30bf\u30c3\u30d7\u3057\u3066\u652f\u6255\u3044\u306e\u53d7\u3051\u5165\u308c\u3092\u53ef\u80fd\u306b\u3057\u305f\u3053\u3068\u3067\u3059\u3002 \u79c1\u305f\u3061\u306f\u3001\u30bf\u30c3\u30d4\u30f3\u30b0\u304c\u5bfe\u9762\u74b0\u5883\u3067\u6700\u9ad8\u306e\u8cb7\u3044\u624b\u3068\u58f2\u308a\u624b\u306e\u30a8\u30af\u30b9\u30da\u30ea\u30a8\u30f3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3068\u4fe1\u3058\u3066\u304a\u308a\u3001\u305d\u308c\u304c\u7d50\u679c\u306b\u8868\u308c\u308b\u306e\u3092\u76ee\u306e\u5f53\u305f\u308a\u306b\u3057\u307e\u3057\u305f\u3002 \u6700\u8fd1\u306e\u7c73\u56fd\u3067\u306eVisa\u306e\u8abf\u67fb\u3067\u306f\u3001Visa\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u30bf\u30c3\u30d7\u3059\u308b\u4eba\u306f\u30bf\u30c3\u30d7\u3057\u306a\u3044\u4eba\u306b\u6bd4\u3079\u3066\u3001\u5e73\u5747\u3067\u6708\u306b2\u56de\u306e\u53d6\u5f15\u304c\u5897\u3048\u3001\u652f\u51fa\u304c\u670870\u30c9\u30eb\u5897\u52a0\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u5206\u304b\u308a\u307e\u3057\u305f\u3002 \u6b21\u306b\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u6df1\u5316\u304a\u3088\u3073\u62e1\u5927\u3057\u3001\u65b0\u3057\u3044\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u69cb\u7bc9\u3059\u308b\u5f53\u793e\u306e\u80fd\u529b\u3092\u5b9f\u8a3c\u3059\u308b\u3001\u3053\u306e\u56db\u534a\u671f\u306e\u6ce8\u76ee\u3059\u3079\u304d\u6700\u65b0\u60c5\u5831\u3092\u3044\u304f\u3064\u304b\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n

\u30e8\u30fc\u30ed\u30c3\u30d1\u3067\u306f\u3001\u30c8\u30eb\u30b3\u6700\u5927\u306e\u6c11\u9593\u9280\u884c\u3067\u3042\u308b\u30a4\u30b9\u30d0\u30f3\u30af\u3068\u306e\u5951\u7d04\u3092\u66f4\u65b0\u3057\u3001\u305d\u306e\u6d88\u8cbb\u8005\u7528\u304a\u3088\u3073\u5546\u696d\u7528\u30af\u30ec\u30b8\u30c3\u30c8\u304a\u3088\u3073\u30c7\u30d3\u30c3\u30c8\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306b 3,300 \u4e07\u679a\u306e\u30ab\u30fc\u30c9\u3092\u4fdd\u6709\u3057\u3066\u3044\u307e\u3059\u3002 \u305d\u306e\u30ea\u30cb\u30e5\u30fc\u30a2\u30eb\u306e\u4e00\u74b0\u3068\u3057\u3066\u3001\u5f53\u793e\u306e\u30b9\u30dd\u30f3\u30b5\u30fc\u30b7\u30c3\u30d7\u3092\u6d3b\u7528\u3057\u3066\u3001\u30d5\u30e9\u30f3\u30b9\u4ee5\u5916\u306e\u30e8\u30fc\u30ed\u30c3\u30d1\u3067\u521d\u306e\u30aa\u30ea\u30f3\u30d4\u30c3\u30af\u30fb\u30d1\u30e9\u30ea\u30f3\u30d4\u30c3\u30af\u7af6\u6280\u5927\u4f1a\u7528\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u767a\u884c\u3059\u308b\u4e88\u5b9a\u3067\u3059\u3002 \u30dd\u30fc\u30e9\u30f3\u30c9\u3067\u306f\u3001\u30dd\u30fc\u30e9\u30f3\u30c9\u304a\u3088\u3073\u4e2d\u6771\u30e8\u30fc\u30ed\u30c3\u30d1\u306b\u304a\u3051\u308b\u6d88\u8cbb\u8005\u304a\u3088\u3073\u5546\u696d\u53e3\u5ea7\u5411\u3051\u306e\u6700\u5927\u306e\u767a\u884c\u8005\u304a\u3088\u3073\u53d6\u5f97\u8005\u3067\u3042\u308bPKO\u9280\u884c\u30dd\u30eb\u30b9\u30ad\u30fc\u3068\u65b0\u305f\u306a\u767a\u884c\u5951\u7d04\u3092\u7de0\u7d50\u3057\u307e\u3057\u305f\u3002 \u30ae\u30ea\u30b7\u30e3\u3067\u306f\u3001\u540c\u56fd\u6700\u5927\u306e\u9280\u884c\u3067\u3042\u308b\u30d4\u30ec\u30a6\u30b9\u9280\u884c\u3068\u306e\u63d0\u643a\u3092\u62e1\u5927\u3057\u3001\u6d88\u8cbb\u8005\u304a\u3088\u3073\u5546\u696d\u30af\u30ec\u30b8\u30c3\u30c8\u304a\u3088\u3073\u30c7\u30d3\u30c3\u30c8\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306b\u308f\u305f\u308b\u72ec\u5360\u7684\u306a\u6c7a\u6e08\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3068\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n

\u3053\u308c\u3089\u306f\u3059\u3079\u3066\u3001\u524d\u56db\u534a\u671f\u306b\u304a\u8a71\u3057\u3057\u305f\u30e8\u30fc\u30ed\u30c3\u30d1\u5927\u9678\u306b\u304a\u3051\u308b\u9b45\u529b\u7684\u306a\u5730\u4f4d\u3068\u5f37\u529b\u306a\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u306e\u7d20\u6674\u3089\u3057\u3044\u4f8b\u3067\u3059\u3002 \u65e5\u672c\u3067\u306f\u3001\u767e\u8ca8\u5e97\u4e38\u4e95\u3068\u63d0\u643a\u3057\u3001\u56fd\u5185\u3067\u6700\u3082\u6025\u901f\u306b\u6210\u9577\u3057\u3066\u3044\u308b\u767a\u884c\u4f1a\u793e\u306e\u4e00\u3064\u3067\u3042\u308bEPOS\u3068\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u767a\u884c\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u62e1\u5927\u3057\u307e\u3057\u305f\u3002 \u5f7c\u3089\u306f\u3001Visa \u30de\u30cd\u30fc\u30b8\u30c9 \u30b5\u30fc\u30d3\u30b9\u3092\u4f7f\u7528\u3057\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u4e3b\u8981\u306a\u53d6\u308a\u7d44\u307f\u306e\u5b9f\u884c\u3092\u652f\u63f4\u3059\u308b\u305f\u3081\u306b\u3001\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e\u7d44\u7e54\u5185\u306b Visa \u306e\u5f93\u696d\u54e1\u3092\u6d3e\u9063\u3059\u308b\u5f53\u793e\u306e\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc \u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u4e00\u90e8\u3067\u3059\u3002 \u97d3\u56fd\u3067\u306f\u3001\u56fd\u5185\u6700\u5927\u306e\u767a\u884c\u4f1a\u793e\u3067\u3042\u308b\u65b0\u97d3\u30ab\u30fc\u30c9\u3068\u306e\u3001\u6d88\u8cbb\u8005\u5411\u3051\u304a\u3088\u3073\u5546\u696d\u7528\u30af\u30ec\u30b8\u30c3\u30c8\u304a\u3088\u3073\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u63d0\u643a\u3092\u66f4\u65b0\u3057\u3001\u62e1\u5927\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u65b0\u97d3\u306f\u307e\u305f\u3001\u30d3\u30b8\u30cd\u30b9\u3092\u63a8\u9032\u3059\u308b\u305f\u3081\u306e\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u3084\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u306a\u3069\u3001\u30d3\u30b6\u306e\u4e00\u9023\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306e\u6d3b\u7528\u306b\u3082\u53d6\u308a\u7d44\u3093\u3067\u3044\u308b\u3002 \u30e1\u30ad\u30b7\u30b3\u3067\u306f\u3001\u30ea\u30b9\u30af\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u3001\u30c7\u30fc\u30bf\u30c4\u30fc\u30eb\u306a\u3069\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306b\u52a0\u3048\u3001\u6d88\u8cbb\u8005\u304a\u3088\u3073\u5546\u696d\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u304a\u3088\u3073\u30c7\u30d3\u30c3\u30c8\u306b\u95a2\u3059\u308bBBVA\u3068\u306e\u5951\u7d04\u3092\u66f4\u65b0\u3057\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u6700\u5f8c\u306b\u3001\u7c73\u56fd\u3067\u306f\u3001Visa \u306e\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3 \u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0 \u30b5\u30fc\u30d3\u30b9\u3001CardinalCommerce 3-D Secure \u30b5\u30fc\u30d3\u30b9\u3001Verifi Order Insight \u30c7\u30b8\u30bf\u30eb \u30b5\u30fc\u30d3\u30b9\u3001DPS \u30c7\u30d3\u30c3\u30c8\u51e6\u7406\u306a\u3069\u3001\u8907\u6570\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306b\u95a2\u3059\u308b\u30d0\u30f3\u30af \u30aa\u30d6 \u30a2\u30e1\u30ea\u30ab\u3068\u306e\u5951\u7d04\u3092\u5ef6\u9577\u3057\u307e\u3057\u305f\u3002 \u307e\u305f\u3001\u5f53\u793e\u306f\u4e16\u754c\u4e2d\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u306b\u3068\u3063\u3066\u9078\u3070\u308c\u308b\u30d1\u30fc\u30c8\u30ca\u30fc\u3067\u3042\u308a\u7d9a\u3051\u307e\u3059\u3002<\/p>\n

\u307e\u305a\u3001\u7c73\u56fd\u3067\u306f\u3001\u5927\u624b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af Shine \u306e\u30c7\u30d3\u30c3\u30c8\u304a\u3088\u3073\u30af\u30ec\u30b8\u30c3\u30c8 \u30d3\u30eb\u30c0\u30fc\u306e\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u4ed8\u304d\u30ab\u30fc\u30c9 \u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3001\u304a\u3088\u3073 Visa Direct \u3068\u5951\u7d04\u3092\u66f4\u65b0\u3057\u307e\u3057\u305f\u3002 \u30e9\u30c6\u30f3\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u30013,000 \u4e07\u4eba\u4ee5\u4e0a\u306e\u9867\u5ba2\u3092\u62b1\u3048\u308b\u3053\u306e\u5730\u57df\u6700\u5927\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u304a\u3088\u3073\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e 1 \u3064\u3067\u3042\u308b Rappi \u3068\u306e\u30c7\u30d3\u30c3\u30c8\u304a\u3088\u3073\u30af\u30ec\u30b8\u30c3\u30c8\u5951\u7d04\u3092\u66f4\u65b0\u3057\u307e\u3057\u305f\u3002 \u307e\u305f\u3001CyberSource \u3084 Decision Manager \u306a\u3069\u306e\u591a\u6570\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u3082\u5229\u7528\u3057\u307e\u3059\u3002 \u305d\u3057\u3066\u6700\u5f8c\u306b\u3001HSBC \u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af \u30a4\u30cb\u30b7\u30a2\u30c6\u30a3\u30d6\u3067\u3042\u308b Zing \u3068\u306e\u65b0\u305f\u306a\u30b0\u30ed\u30fc\u30d0\u30eb \u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u306b\u8208\u596e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u306f\u82f1\u56fd\u3092\u76ae\u5207\u308a\u306b\u300130 \u4ee5\u4e0a\u306e\u5e02\u5834\u3067\u3053\u306e\u591a\u901a\u8ca8\u63d0\u6848\u3092\u958b\u59cb\u3059\u308b\u3068\u3044\u3046\u91ce\u671b\u3092\u30b5\u30dd\u30fc\u30c8\u3057\u3066\u3044\u307e\u3059\u3002 Tink\u3001Currencycloud\u3001\u6d88\u8cbb\u8005\u5411\u3051\u6c7a\u6e08\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u901a\u3058\u305f Visa \u306e\u6a5f\u80fd\u306f\u3001Zing \u3068 HSBC \u306b\u5f37\u529b\u306a\u9867\u5ba2\u63d0\u6848\u3068\u8fc5\u901f\u306a\u5c55\u958b\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002 \u3053\u308c\u3089\u306e\u30ea\u30cb\u30e5\u30fc\u30a2\u30eb\u3068\u65b0\u305f\u306a\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u901a\u3058\u3066\u3001Visa \u304c\u63d0\u4f9b\u3059\u308b\u3059\u3079\u3066\u306e\u6a5f\u80fd\u306b\u308f\u305f\u3063\u3066\u6df1\u3044\u95a2\u4fc2\u3092\u69cb\u7bc9\u3059\u308b\u3053\u3068\u306b\u5f53\u793e\u304c\u3069\u306e\u3088\u3046\u306b\u6ce8\u529b\u3057\u3066\u3044\u308b\u304b\u304c\u308f\u304b\u308a\u307e\u3059\u3002 \u73fe\u5728\u306f\u65b0\u3057\u3044\u30d5\u30ed\u30fc\u306b\u79fb\u884c\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u5165\u624b\u53ef\u80fd\u306a\u6700\u65b0\u306e\u5e02\u5834\u30c7\u30fc\u30bf\u3092\u4f7f\u7528\u3057\u3066\u3001\u65b0\u3057\u3044\u30d5\u30ed\u30fc\u306e\u6a5f\u4f1a\u306e\u30b5\u30a4\u30b8\u30f3\u30b0\u3092\u66f4\u65b0\u3057\u307e\u3057\u305f\u3002 \u30ed\u30b7\u30a2\u3068\u4e2d\u56fd\u3092\u9664\u304f\u3068\u3001B2B\u3001B2C\u3001P2P\u3001G2C \u5168\u4f53\u3067\u5e74\u9593 200 \u5146\u30c9\u30eb\u306e\u6a5f\u4f1a\u304c\u898b\u8fbc\u307e\u308c\u3066\u304a\u308a\u3001\u78ba\u304b\u306b\u81a8\u5927\u306a\u6570\u3067\u3059\u3002 \u5f53\u793e\u306f\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u3068\u5354\u529b\u3057\u3066\u3001Visa \u306e\u5546\u696d\u304a\u3088\u3073\u8cc7\u91d1\u79fb\u52d5\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3057\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u4e0a\u306e\u3053\u308c\u3089\u306e\u6d41\u308c\u306e\u30c7\u30b8\u30bf\u30eb\u5316\u3092\u652f\u63f4\u3057\u3066\u3044\u307e\u3059\u3002 \u307e\u305a\u306f\u30d3\u30b6\u30c0\u30a4\u30ec\u30af\u30c8\u304b\u3089\u3002<\/p>\n

\u3053\u306e\u56db\u534a\u671f\u306e\u7dcf\u53d6\u5f15\u984d\u306f 20% \u5897\u52a0\u3057\u3066 22 \u5104\u3068\u306a\u308a\u307e\u3057\u305f\u3002 \u307e\u305f\u3001P2P \u56fd\u5883\u3092\u8d8a\u3048\u305f\u53d6\u5f15\u3067\u306f\u3001\u524d\u5e74\u6bd4 65% \u4ee5\u4e0a\u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u4eca\u56db\u534a\u671f\u306e\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e\u30cf\u30a4\u30e9\u30a4\u30c8\u306b\u95a2\u3057\u3066\u8a00\u3048\u3070\u3001\u5f53\u793e\u306f\u65b0\u3057\u3044\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3084\u696d\u7a2e\u306b\u5411\u3051\u305f\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u69cb\u7bc9\u3057\u3066\u304a\u308a\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u53d6\u5f15\u91cf\u3092\u5f15\u304d\u7d9a\u304d\u63a8\u9032\u3057\u3066\u3044\u307e\u3059\u3002 \u307e\u305a\u3001\u65b0\u3057\u3044\u30e6\u30fc\u30b9\u30b1\u30fc\u30b9\u3068\u3057\u3066\u3001\u7c73\u56fd\u3067\u306e\u65e2\u5b58\u306e P2P \u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u306b\u52a0\u3048\u3066\u3001Meta \u3068\u306e Visa Direct \u95a2\u4fc2\u3092\u62e1\u5927\u3057\u3001Meta \u306e\u30a2\u30d7\u30ea\u30d5\u30a1\u30df\u30ea\u30fc\u306e\u30b3\u30f3\u30c6\u30f3\u30c4\u30af\u30ea\u30a8\u30a4\u30bf\u30fc\u304c\u53ce\u76ca\u3092\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u306b\u73fe\u91d1\u5316\u3067\u304d\u308b\u6a5f\u80fd\u3092\u958b\u59cb\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u3053\u306e\u30ea\u30ea\u30fc\u30b9\u306f\u73fe\u5728\u3001\u7c73\u56fd\u3001\u82f1\u56fd\u3001\u30d5\u30e9\u30f3\u30b9\u3001\u30a4\u30bf\u30ea\u30a2\u3067\u5b9f\u65bd\u3055\u308c\u3066\u304a\u308a\u3001\u30af\u30ea\u30a8\u30a4\u30bf\u30fc\u306f\u8fc5\u901f\u304b\u3064\u5b89\u5168\u306b\u652f\u6255\u3044\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 \u7b2c\u4e8c\u306b\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u53d6\u5f15\u91cf\u306b\u95a2\u3057\u3066\u306f\u3001\u7d04 200 \u306e\u56fd\u3068\u5730\u57df\u306b\u3042\u308b 85 \u5104\u306e\u30a8\u30f3\u30c9\u30dd\u30a4\u30f3\u30c8\u306b\u308f\u305f\u308b\u4e16\u754c\u7684\u306a\u8cc7\u91d1\u79fb\u52d5\u3092\u53ef\u80fd\u306b\u3059\u308b\u3068\u3044\u3046\u70b9\u3067\u9032\u6b69\u3092\u7d9a\u3051\u3066\u304d\u307e\u3057\u305f\u3002 \u30a6\u30a7\u30b9\u30bf\u30f3\u30e6\u30cb\u30aa\u30f3\u306f\u305d\u306e\u826f\u3044\u4f8b\u3067\u3059\u3002 \u5f53\u793e\u306f\u30a6\u30a7\u30b9\u30bf\u30f3 \u30e6\u30cb\u30aa\u30f3\u3068\u9577\u671f\u30b0\u30ed\u30fc\u30d0\u30eb \u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u5951\u7d04\u3092\u7de0\u7d50\u3057\u3001\u767a\u884c\u3001Visa Direct\u3001\u304a\u3088\u3073 40 \u304b\u56fd 5 \u5730\u57df\u306b\u308f\u305f\u308b\u305d\u306e\u4ed6\u306e\u30b5\u30fc\u30d3\u30b9\u3092\u30ab\u30d0\u30fc\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3053\u306e\u9577\u671f\u7684\u306a\u5354\u529b\u95a2\u4fc2\u306f\u3001\u88fd\u54c1\u9769\u65b0\u3068\u30c7\u30b8\u30bf\u30eb\u30d5\u30a1\u30fc\u30b9\u30c8\u306e\u9867\u5ba2\u4f53\u9a13\u3092\u3082\u305f\u3089\u3057\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u8cc7\u91d1\u79fb\u52d5\u3092\u5f37\u5316\u3057\u307e\u3059\u3002 \u307e\u305f\u3001Remitly \u3068\u306e\u95a2\u4fc2\u3092\u62e1\u5927\u3057\u300130 \u304b\u56fd\u306e\u9867\u5ba2\u304c\u4e16\u754c 100 \u304b\u56fd\u4ee5\u4e0a\u306e\u5bfe\u8c61\u3068\u306a\u308b\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u3084\u9280\u884c\u53e3\u5ea7\u306b\u56fd\u5883\u3092\u8d8a\u3048\u3066\u9001\u91d1\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u307e\u3057\u305f\u3002 \u30ab\u30ca\u30c0\u3067\u306f\u6700\u8fd1\u3001\u30d5\u30a3\u30ea\u30d4\u30f3\u3001\u4e2d\u56fd\u3001\u30d0\u30f3\u30b0\u30e9\u30c7\u30b7\u30e5\u3092\u542b\u3080\u4e3b\u8981\u306a\u9001\u91d1\u5148\u306e\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u306b\u9001\u91d1\u3067\u304d\u308b\u6a5f\u80fd\u3092\u4f55\u767e\u4e07\u3082\u306e\u9867\u5ba2\u306b\u63d0\u4f9b\u3059\u308b\u305f\u3081\u3001CIBC\u304a\u3088\u3073Simplii\u3068\u306e\u5408\u610f\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002 \u5546\u696d\u9762\u306b\u79fb\u308a\u307e\u3059\u3002<\/p>\n

\u7dcf\u6c7a\u6e08\u984d\u306f\u56fa\u5b9a\u30c9\u30eb\u63db\u7b97\u3067 8% \u5897\u52a0\u3057\u3001\u5f53\u56db\u534a\u671f\u3092\u901a\u3058\u3066\u5f53\u793e\u306f\u5f15\u304d\u7d9a\u304d\u65b0\u3057\u3044\u5206\u91ce\u306b\u6ce8\u529b\u3057\u307e\u3057\u305f\u3002 \u3044\u304f\u3064\u304b\u306e\u5177\u4f53\u7684\u306a\u9818\u57df\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u307f\u307e\u3057\u3087\u3046\u3002 \u307e\u305a\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u65c5\u884c\u5206\u91ce\u306b\u304a\u3044\u3066\u3001\u5f53\u793e\u306f\u6700\u8fd1\u3001\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u3092\u62e0\u70b9\u3068\u3059\u308b B2B \u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u3042\u308b Nium \u3068\u306e\u5951\u7d04\u3092\u62e1\u5927\u3057\u307e\u3057\u305f\u3002 \u540c\u793e\u306e\u30d0\u30fc\u30c1\u30e3\u30eb \u30ab\u30fc\u30c9 B2B \u65c5\u884c\u30d7\u30ed\u30b0\u30e9\u30e0\u306f\u3001\u7c73\u56fd\u3068\u30e8\u30fc\u30ed\u30c3\u30d1\u304b\u3089\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3001\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u3001\u9999\u6e2f\u3001\u65e5\u672c\u306b\u62e1\u5927\u3055\u308c\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001B2B\u65c5\u884c\u5206\u91ce\u3067\u306f\u3001\u65c5\u884c\u4ef2\u4ecb\u696d\u8005\u304c\u30b5\u30d7\u30e9\u30a4\u30e4\u30fc\u3078\u306e\u652f\u6255\u3044\u3092\u3088\u308a\u8fc5\u901f\u306b\u884c\u3046\u305f\u3081\u3001\u4e16\u754c\u6709\u6570\u306e\u6c7a\u6e08\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3067\u3042\u308bWorldline\u3068\u65b0\u3057\u3044\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\u5951\u7d04\u3092\u7de0\u7d50\u3057\u307e\u3057\u305f\u3002 \u8acb\u8ca0\u696d\u8005\u5206\u91ce\u3067\u306f\u3001\u5f53\u793e\u306f\u6700\u8fd1\u3001\u30e6\u30ca\u30a4\u30c6\u30c3\u30c9\u30fb\u30aa\u30fc\u30d0\u30fc\u30b7\u30fc\u30ba\u9280\u884c\u304a\u3088\u3073\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u306e\u8acb\u8ca0\u696d\u8005\u5411\u3051\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3067\u3042\u308b Doxa \u3068\u5951\u7d04\u3092\u7de0\u7d50\u3057\u307e\u3057\u305f\u3002 Visa \u3068\u306e\u63d0\u643a\u306b\u3088\u308a\u3001Doxa \u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3055\u3089\u306b\u5f37\u5316\u3055\u308c\u3001\u7d44\u307f\u8fbc\u307f\u306e\u91d1\u878d\u6a5f\u80fd\u3092\u63d0\u4f9b\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002 \u4e0b\u8acb\u3051\u696d\u8005\u306b\u306f\u3001UOB \u30d0\u30fc\u30c1\u30e3\u30eb \u30ab\u30fc\u30c9\u3092\u901a\u3058\u3066\u30b5\u30fc\u30d3\u30b9\u306e\u6599\u91d1\u3092\u652f\u6255\u3046\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u4e0e\u3048\u3089\u308c\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001UOB \u3068\u306f\u3001\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u653f\u5e9c\u3078\u306e\u652f\u6255\u3044\u30d5\u30ed\u30fc\u306e\u5b9f\u73fe\u3092\u542b\u3081\u3001\u5546\u696d\u501f\u65b9\u3068\u8cb8\u65b9\u306b\u308f\u305f\u308b\u5546\u696d\u95a2\u4fc2\u3092\u66f4\u65b0\u304a\u3088\u3073\u62e1\u5927\u3057\u307e\u3057\u305f\u3002 \u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306e\u8a71\u306b\u79fb\u308a\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002 \u5f53\u793e\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30fb\u30aa\u30d6\u30fb\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u6226\u7565\u306f\u3001\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306b\u304a\u3044\u3066\u3082\u91cd\u8981\u306a\u5f79\u5272\u3092\u679c\u305f\u3057\u3066\u3044\u307e\u3059\u3002 \u5ff5\u306e\u305f\u3081\u306b\u8a00\u3063\u3066\u304a\u304d\u307e\u3059\u304c\u3001\u3053\u308c\u306b\u306f 3 \u3064\u306e\u8981\u7d20\u304c\u3042\u308a\u307e\u3059\u30021 \u3064\u306f\u3001\u3059\u3079\u3066\u306e\u30a8\u30f3\u30c9\u30dd\u30a4\u30f3\u30c8\u3068\u3059\u3079\u3066\u306e\u30d5\u30a9\u30fc\u30e0 \u30d5\u30a1\u30af\u30bf\u30fc\u306b\u8cc7\u91d1\u3092\u79fb\u52d5\u3059\u308b\u3053\u3068\u3067\u3059\u3002 2 \u3064\u76ee\u306f\u3001\u5229\u7528\u53ef\u80fd\u306a\u3059\u3079\u3066\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u4f7f\u7528\u3057\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u306b\u3068\u3063\u3066\u306e\u5358\u4e00\u306e\u63a5\u7d9a\u30dd\u30a4\u30f3\u30c8\u3068\u306a\u308b\u3053\u3068\u3067\u3059\u3002 3 \u3064\u76ee\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u95a2\u4fc2\u306a\u304f\u3001\u3059\u3079\u3066\u306e\u53d6\u5f15\u306b\u5bfe\u3057\u3066\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u3053\u306e\u6226\u7565\u306e\u4e00\u74b0\u3068\u3057\u3066\u3001\u5f53\u793e\u306f\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306e\u958b\u767a\u3068\u62e1\u5927\u3092\u7d9a\u3051\u3066\u304d\u307e\u3057\u305f\u3002 \u6700\u8fd1\u306e 3 \u3064\u306e\u4f8b\u3001RTP \u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3001Pismo\u3001Prosa \u306e\u51e6\u7406\u6a5f\u80fd\u306b\u3064\u3044\u3066\u8aac\u660e\u3057\u307e\u3059\u3002 \u524d\u56db\u534a\u671f\u306b\u79c1\u306f\u3001Visa \u304c FedNow \u306e\u8a8d\u5b9a\u30b5\u30fc\u30d3\u30b9\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3068\u306a\u308a\u3001\u91d1\u878d\u6a5f\u95a2\u304c FedNow \u30b5\u30fc\u30d3\u30b9\u3092\u901a\u3058\u3066\u8cc7\u91d1\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u3063\u305f\u3068\u6307\u6458\u3057\u307e\u3057\u305f\u3002 \u8cc7\u91d1\u3092\u9001\u91d1\u3059\u308b\u6a5f\u80fd\u3082\u6709\u52b9\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n

2 \u756a\u76ee\u306e\u4f8b\u306f\u3001\u5148\u9031\u9589\u9396\u3057\u305f\u3070\u304b\u308a\u306e Pismo \u3067\u3059\u3002 \u4e16\u754c\u4e2d\u306e\u9867\u5ba2\u3001\u7279\u306b\u767a\u884c\u4f1a\u793e\u306e\u9867\u5ba2\u3068\u8a71\u3057\u305f\u3068\u304d\u3001CEO \u306e\u95a2\u5fc3\u304c\u307e\u3059\u307e\u3059\u9ad8\u307e\u3063\u3066\u3044\u308b 2 \u3064\u306e\u512a\u5148\u4e8b\u9805\u304c\u3042\u308a\u307e\u3059\u3002 1 \u3064\u76ee\u306f\u3001\u767a\u884c\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e\u591a\u304f\u304c\u6700\u8fd1\u3001\u30ec\u30ac\u30b7\u30fc \u30a4\u30f3\u30d5\u30e9\u30b9\u30c8\u30e9\u30af\u30c1\u30e3\u304b\u3089\u30af\u30e9\u30a6\u30c9 \u30cd\u30a4\u30c6\u30a3\u30d6 API \u30d9\u30fc\u30b9\u306e\u6280\u8853\u30b9\u30bf\u30c3\u30af\u3078\u306e\u6280\u8853\u30b9\u30bf\u30c3\u30af\u306e\u5909\u63db\u306b\u7740\u624b\u3057\u305f\u304b\u3001\u307e\u305f\u306f\u305d\u306e\u5909\u63db\u306b\u7740\u624b\u3059\u308b\u3053\u3068\u3092\u691c\u8a0e\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002 2 \u3064\u76ee\u306f\u3001\u5f93\u6765\u306e\u767a\u884c\u4f53\u3067\u3042\u308d\u3046\u3068\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3067\u3042\u308d\u3046\u3068\u3001\u591a\u304f\u306e\u9867\u5ba2\u304c\u65b0\u3057\u3044\u5730\u57df\u3084\u56fd\u3001\u7279\u306b\u4e16\u754c\u4e2d\u306e\u767a\u5c55\u9014\u4e0a\u5e02\u5834\u3078\u306e\u767a\u884c\u3092\u6025\u901f\u306b\u62e1\u5927\u3059\u308b\u3053\u3068\u3092\u307e\u3059\u307e\u3059\u6c42\u3081\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u306e\u9867\u5ba2\u306f\u3001\u3053\u308c\u3089\u306e\u512a\u5148\u4e8b\u9805\u306e\u4e21\u65b9\u3092\u652f\u63f4\u3059\u308b\u305f\u3081\u306b Visa \u3092\u671f\u5f85\u3057\u3066\u3044\u307e\u3059\u3002 \u305d\u3057\u3066\u3001Pismo \u3092\u4f7f\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u4e16\u754c\u6700\u9ad8\u306e\u30af\u30e9\u30a6\u30c9\u30cd\u30a4\u30c6\u30a3\u30d6\u306e\u767a\u884c\u8005\u30d7\u30ed\u30bb\u30c3\u30b5\u30fc\u3068\u30b3\u30a2 \u30d0\u30f3\u30ad\u30f3\u30b0 \u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306b\u63d0\u4f9b\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002 Pismo \u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u3001\u30c7\u30d3\u30c3\u30c8\u3001\u5546\u7528\u3092\u30ab\u30d0\u30fc\u3059\u308b\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u30b3\u30a2 \u30d0\u30f3\u30ad\u30f3\u30b0\u3068\u30de\u30eb\u30c1\u5546\u54c1\u767a\u884c\u8005\u51e6\u7406\u3092\u63d0\u4f9b\u3057\u3001Pix \u306a\u3069\u306e\u30ed\u30fc\u30ab\u30eb\u6c7a\u6e08\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3078\u306e\u63a5\u7d9a\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002 \u79c1\u305f\u3061\u306e\u76ee\u6a19\u306f\u3001Pismo \u304c\u4e16\u754c\u4e2d\u306e\u767a\u884c\u30d1\u30fc\u30c8\u30ca\u30fc\u306b\u3068\u3063\u3066\u9078\u3070\u308c\u308b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3068\u306a\u308a\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u306e\u4e16\u754c\u7684\u306a\u62e1\u5927\u3068\u30af\u30e9\u30a6\u30c9\u30cd\u30a4\u30c6\u30a3\u30d6 \u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3078\u306e\u79fb\u884c\u3092\u52a0\u901f\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u305d\u3057\u3066\u3001\u5f53\u793e\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e 3 \u756a\u76ee\u306e\u4f8b\u306f\u3001\u30e1\u30ad\u30b7\u30b3\u306e\u6c7a\u6e08\u51e6\u7406\u4f1a\u793e Prosa \u306e\u904e\u534a\u6570\u306e\u682a\u5f0f\u3092\u53d6\u5f97\u3059\u308b\u3068\u3044\u3046\u5f53\u793e\u306e\u767a\u8868\u3067\u3059\u3002 \u30e1\u30ad\u30b7\u30b3\u5e02\u5834\u306b\u3064\u3044\u3066\u306f\u3044\u304f\u3064\u304b\u3042\u308a\u307e\u3059\u30021 \u3064\u306f\u3001\u73fe\u91d1\u3068\u5c0f\u5207\u624b\u304c\u500b\u4eba\u6d88\u8cbb\u652f\u51fa\u306e 50% \u4ee5\u4e0a\u3092\u5360\u3081\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u3002 2 \u3064\u76ee\u306f\u3001\u73fe\u5728\u3001\u30d3\u30b6\u304c\u56fd\u5185\u3067\u51e6\u7406\u3067\u304d\u308b\u80fd\u529b\u304c\u9650\u3089\u308c\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002 \u79c1\u305f\u3061\u306f\u3001\u5f37\u5316\u3055\u308c\u305f\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30a4\u30f3\u30d5\u30e9\u30b9\u30c8\u30e9\u30af\u30c1\u30e3\u3092\u3082\u305f\u3089\u3057\u3001\u30e1\u30ad\u30b7\u30b3\u306e\u6d88\u8cbb\u8005\u3001\u4e2d\u5c0f\u4f01\u696d\u3001\u5730\u5143\u306e\u767a\u884c\u4f1a\u793e\u3068\u30a2\u30af\u30ef\u30a4\u30a2\u30e9\u30fc\u304c\u652f\u6255\u3044\u3068\u652f\u6255\u3044\u3092\u53d7\u3051\u308b\u305f\u3081\u306e\u65b0\u3057\u3044\u9769\u65b0\u7684\u306a\u65b9\u6cd5\u3092\u958b\u767a\u3059\u308b\u305f\u3081\u306e\u57fa\u790e\u3092\u7bc9\u304f\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u4fe1\u3058\u3066\u3044\u307e\u3059\u3002 \u3053\u308c\u306b\u306f\u3001\u5b89\u5168\u6027\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3001\u4fe1\u983c\u6027\u3092\u5411\u4e0a\u3055\u305b\u3001\u30c8\u30fc\u30af\u30f3\u5316\u3084\u30ea\u30b9\u30af\u5546\u54c1\u306a\u3069\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u3092\u901a\u3058\u3066\u3088\u308a\u826f\u3044\u30a8\u30af\u30b9\u30da\u30ea\u30a8\u30f3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u304c\u542b\u307e\u308c\u307e\u3059\u3002<\/p>\n

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\u3055\u3066\u3001\u30af\u30ea\u30b9\u306e\u8a71\u306b\u79fb\u308a\u307e\u3059\u3002<\/p>\n

Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

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\u30c9\u30eb\u3092\u56fa\u5b9a\u3057\u305f\u5834\u5408\u3001\u4e16\u754c\u306e\u6c7a\u6e08\u984d\u306f\u524d\u5e74\u6bd4 8% \u5897\u52a0\u3057\u3001\u30d7\u30ed\u30bb\u30b9\u53d6\u5f15\u306f\u524d\u5e74\u6bd4 9% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u6b27\u5dde\u5185\u3092\u9664\u304f\u56fd\u5883\u3092\u8d8a\u3048\u305f\u8ca9\u58f2\u91cf\u306e\u4f38\u3073\u306f\u3001\u30c9\u30eb\u63db\u7b97\u3067\u524d\u5e74\u6bd4 16% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u4f1a\u8a08\u5e74\u5ea6\u7b2c 1 \u56db\u534a\u671f\u306e\u7d14\u53ce\u76ca\u306f\u3001\u540d\u76ee\u304a\u3088\u3073\u56fa\u5b9a\u30c9\u30eb\u30d9\u30fc\u30b9\u3067 9% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u3001\u4e3b\u306b\u4e88\u60f3\u3092\u4e0b\u56de\u3063\u305f\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3068\u70ba\u66ff\u62b5\u6297\u306e\u6e1b\u5c11\u306b\u3088\u308a\u3001\u5f53\u793e\u306e\u4e88\u60f3\u306e\u4e0a\u9650\u306b\u9054\u3057\u3066\u3044\u307e\u3057\u305f\u3002 GAAP EPS \u306f 20% \u5897\u52a0\u3057\u3001\u975e GAAP EPS \u306f\u540d\u76ee\u30d9\u30fc\u30b9\u3067 11%\u3001\u6052\u5e38\u30c9\u30eb\u30d9\u30fc\u30b9\u3067 10% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u8a73\u7d30\u306b\u3064\u3044\u3066\u306f\u3001\u307e\u305a\u7c73\u56fd\u304b\u3089\u59cb\u3081\u307e\u3059\u3002\u7c73\u56fd\u306e\u652f\u6255\u984d\u306f\u524d\u5e74\u6bd4\u3067 5% \u5897\u52a0\u3057\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u306f 6%\u3001\u30c7\u30d3\u30c3\u30c8\u306f 5% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u30ab\u30fc\u30c9\u63d0\u793a\u306b\u3088\u308b\u652f\u51fa\u306f 3% \u5897\u52a0\u3057\u3001\u30ab\u30fc\u30c9\u975e\u63d0\u793a\u306b\u3088\u308b\u652f\u51fa\u306f 7% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u3053\u306e\u56db\u534a\u671f\u3092\u901a\u3058\u3066\u7c73\u56fd\u306e\u6708\u9593\u7dcf\u6c7a\u6e08\u91cf\u306e\u5897\u52a0\u7387\u3092\u898b\u308b\u3068\u300110 \u6708\u304c\u6700\u4f4e\u3067 11 \u6708\u304c\u30d4\u30fc\u30af\u3067\u3001\u305d\u306e\u9593\u306b 12 \u6708\u304c\u3042\u308a\u307e\u3057\u305f\u3002 \u307e\u3068\u3081\u308b\u3068\u3001\u7b2c 4 \u56db\u534a\u671f\u304b\u3089\u7b2c 1 \u56db\u534a\u671f\u306b\u304b\u3051\u3066\u7c73\u56fd\u306e\u7dcf\u6c7a\u6e08\u91cf\u306e\u4f38\u3073\u304c\u7d04 80 \u30d9\u30fc\u30b7\u30b9 \u30dd\u30a4\u30f3\u30c8\u6e1b\u5c11\u3057\u305f\u306e\u306f\u3001\u4e3b\u306b\u6628\u5e74\u306b\u6bd4\u3079\u3066\u9031\u672b\u3068\u5e73\u65e5\u306e\u7d44\u307f\u5408\u308f\u305b\u304c\u597d\u307e\u3057\u304f\u306a\u304b\u3063\u305f\u3053\u3068\u3068\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u3044\u304f\u3064\u304b\u306e\u5c0f\u3055\u306a\u9805\u76ee\u306e\u7d44\u307f\u5408\u308f\u305b\u306b\u3088\u308b\u3082\u306e\u3067\u3057\u305f\u3002 10 \u6708\u306f\u8edf\u8abf\u3067\u3001Reg II \u306e\u5f71\u97ff\u3082\u63a7\u3048\u3081\u3002<\/p>\n

\u6d88\u8cbb\u652f\u51fa\u306f\u3001\u4f4e\u652f\u51fa\u304b\u3089\u9ad8\u652f\u51fa\u307e\u3067\u3059\u3079\u3066\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\u306b\u308f\u305f\u3063\u3066\u6bd4\u8f03\u7684\u5b89\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002 \u79c1\u305f\u3061\u306e\u30c7\u30fc\u30bf\u306f\u3001\u6d88\u8cbb\u8005\u30bb\u30b0\u30e1\u30f3\u30c8\u5168\u4f53\u3067\u610f\u5473\u306e\u3042\u308b\u884c\u52d5\u306e\u5909\u5316\u3092\u793a\u3057\u3066\u3044\u307e\u305b\u3093\u3002 11\u67081\u65e5\u304b\u308912\u670831\u65e5\u307e\u3067\u306e\u671f\u9593\u3092\u30db\u30ea\u30c7\u30fc\u652f\u51fa\u306b\u79fb\u884c\u3057\u307e\u3059\u3002 \u7c73\u56fd\u3067\u306f\u3001\u6d88\u8cbb\u8005\u306e\u30db\u30ea\u30c7\u30fc\u652f\u51fa\u306e\u4f38\u3073\u306f\u524d\u5e74\u6bd4\u3067 1 \u6841\u534a\u3070\u3067\u3057\u305f\u3002<\/p>\n

\u6d88\u8cbb\u8005\u306e\u5c0f\u58f2\u652f\u51fa\u306e\u4f38\u3073\u306f\u6628\u5e74\u3068\u540c\u69d8\u3067\u3057\u305f\u3002 \u3057\u304b\u3057\u3001\u611f\u8b1d\u796d\u304b\u3089\u30b5\u30a4\u30d0\u30fc\u30de\u30f3\u30c7\u30fc\u307e\u3067\u306e\u4e3b\u8981\u306a\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u30c7\u30fc\u306b\u304a\u3051\u308b\u5c0f\u58f2\u652f\u51fa\u306e\u4f38\u3073\u306f\u306f\u308b\u304b\u306b\u5f37\u304b\u3063\u305f\u3002 \u5c0f\u58f2\u652f\u51fa\u306b\u5360\u3081\u308b\u96fb\u5b50\u5546\u53d6\u5f15\u306e\u5272\u5408\u306f\u6628\u5e74\u3068\u6bd4\u3079\u3066\u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u56fd\u969b\u5e02\u5834\u306b\u79fb\u884c\u3059\u308b\u3068\u3001\u6c7a\u6e08\u7dcf\u984d\u306e\u4f38\u3073\u306f\u56fa\u5b9a\u30c9\u30eb\u63db\u7b97\u3067 11% \u5897\u52a0\u3057\u3001\u7b2c 4 \u56db\u534a\u671f\u307e\u3067\u5b89\u5b9a\u3057\u3066\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u5f53\u56db\u534a\u671f\u306e\u6c7a\u6e08\u91cf\u306e\u4f38\u3073\u7387\u306f\u307b\u3068\u3093\u3069\u306e\u4e3b\u8981\u5730\u57df\u3067\u5805\u8abf\u3067\u3001\u30e9\u30c6\u30f3\u30a2\u30e1\u30ea\u30ab\u3001CEMEA\u3001\u82f1\u56fd\u3092\u9664\u304f\u30e8\u30fc\u30ed\u30c3\u30d1\u306f\u305d\u308c\u305e\u308c\u6052\u5e38\u30c9\u30eb\u63db\u7b97\u3067\u7d0420\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u6b21\u306b\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u8a71\u3067\u3059\u3002\u3053\u308c\u306b\u3064\u3044\u3066\u306f\u3001\u30e8\u30fc\u30ed\u30c3\u30d1\u5185\u306e\u53d6\u5f15\u3092\u9664\u304d\u3001\u4e00\u5b9a\u306e\u30c9\u30eb\u3067\u8a71\u3057\u307e\u3059\u3002 \u56fd\u5883\u3092\u8d8a\u3048\u305f\u7dcf\u53d6\u6271\u91cf\u306f\u524d\u5e74\u6bd4 16% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u65c5\u884c\u3092\u9664\u304f\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30ab\u30fc\u30c9\u306e\u5b58\u5728\u3057\u306a\u3044\u53d6\u6271\u9ad8\u306e\u4f38\u3073\u306f\u3001\u4eee\u60f3\u901a\u8ca8\u306e\u8cfc\u5165\u3092\u8abf\u6574\u3059\u308b\u3068\u4e88\u60f3\u3088\u308a\u308f\u305a\u304b\u306b\u901f\u304f10\uff05\u53f0\u524d\u534a\u3067\u4f38\u3073\u305f\u3002 \u56fd\u5883\u3092\u8d8a\u3048\u305f\u65c5\u884c\u95a2\u9023\u306e\u652f\u51fa\u306f\u524d\u5e74\u6bd4 19% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 2019 \u5e74\u307e\u3067\u306e\u56fd\u5883\u3092\u8d8a\u3048\u305f\u65c5\u884c\u91cf\u6307\u6570\u306f\u3001\u7b2c 4 \u56db\u534a\u671f\u306e 139% \u304b\u3089\u7b2c 1 \u56db\u534a\u671f\u306e 142% \u306b\u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u30a2\u30b8\u30a2\u3078\u306e\u65c5\u884c\u91cf\u306f\u3001\u540c\u56db\u534a\u671f\u306e2019\u5e74\u30ec\u30d9\u30eb\u306e132%\u3068\u6307\u6570\u5316\u3055\u308c\u3001\u7b2c4\u56db\u534a\u671f\u304b\u30893\u30dd\u30a4\u30f3\u30c8\u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u4e00\u65b9\u3001\u30a2\u30b8\u30a2\u304b\u3089\u306e\u65c5\u884c\u91cf\u306f 4 \u30dd\u30a4\u30f3\u30c8\u5897\u52a0\u3057\u3066 118% \u3068\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n

\u3053\u308c\u306f\u4e3b\u306b\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3068\u65e5\u672c\u304c\u76f8\u5bfe\u7684\u306b\u5f31\u304b\u3063\u305f\u305f\u3081\u3001\u524d\u56db\u534a\u671f\u306e\u62e1\u5927\u3092\u4e0b\u56de\u308a\u307e\u3057\u305f\u3002 \u4e2d\u56fd\u672c\u571f\u3078\u306e\u51fa\u5165\u308a\u306f\u5f15\u304d\u7d9a\u304d\u6539\u5584\u3057\u305f\u304c\u3001\u3044\u305a\u308c\u3082\u4f9d\u7136\u3068\u3057\u30662019\u5e74\u306e\u6c34\u6e96\u3092\u4e0b\u56de\u3063\u305f\u3002 \u7c73\u56fd\u306e\u30a4\u30f3\u30d0\u30a6\u30f3\u30c9\u65c5\u884c\u306f\u30012019 \u5e74\u306e\u7b2c 4 \u56db\u534a\u671f\u306e\u30ec\u30d9\u30eb\u3068\u6bd4\u8f03\u3057\u3066\u5f15\u304d\u7d9a\u304d\u6570\u30dd\u30a4\u30f3\u30c8\u6539\u5584\u3057\u307e\u3057\u305f\u3002 \u307e\u305f\u3001LAC\u3001\u30e8\u30fc\u30ed\u30c3\u30d1\u3001CEMEA \u5185\u5916\u304a\u3088\u3073\u7c73\u56fd\u5916\u306e\u65c5\u884c\u8005\u6570\u306f\u5f15\u304d\u7d9a\u304d\u5065\u5168\u3067\u3042\u308a\u30012019 \u5e74\u306e\u30ec\u30d9\u30eb\u306e 145% \u304b\u3089 170% \u306e\u7bc4\u56f2\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u305d\u308c\u3067\u306f\u3001\u53ce\u76ca\u69cb\u6210\u8981\u7d20\u304b\u3089\u59cb\u3081\u3066\u3001\u7b2c 1 \u56db\u534a\u671f\u306e\u8ca1\u52d9\u7d50\u679c\u3092\u78ba\u8a8d\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002 \u307e\u305a\u3001\u65b0\u3057\u3044\u4fa1\u683c\u8a2d\u5b9a\u306f\u901a\u5e38 4 \u6708\u3068 10 \u6708\u306b\u5b9f\u65bd\u3055\u308c\u308b\u305f\u3081\u3001\u3053\u306e\u56db\u534a\u671f\u3067\u306f\u7d50\u679c\u3068\u3057\u3066\u5404\u53ce\u76ca\u8981\u7d20\u304c\u6069\u6075\u3092\u53d7\u3051\u3001\u6210\u9577\u7387\u306f\u4ee5\u4e0b\u306e\u8ffd\u52a0\u8981\u56e0\u306b\u3088\u3063\u3066\u3055\u3089\u306b\u5f37\u5316\u3055\u308c\u308b\u304b\u76f8\u6bba\u3055\u308c\u307e\u3057\u305f\u3002 \u30b5\u30fc\u30d3\u30b9\u53ce\u76ca\u306f\u3001\u30ab\u30fc\u30c9\u7279\u5178\u306b\u3088\u308b\u8ffd\u52a0\u652f\u63f4\u3082\u3042\u308a\u3001\u7b2c 4 \u56db\u534a\u671f\u306e\u56fa\u5b9a\u30c9\u30eb\u6c7a\u6e08\u984d\u306e 9% \u5897\u52a0\u306b\u5bfe\u3057\u3066\u3001\u524d\u5e74\u540c\u671f\u6bd4 11% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u30c7\u30fc\u30bf\u51e6\u7406\u53ce\u76ca\u306f\u3001\u30d3\u30b8\u30cd\u30b9 \u30df\u30c3\u30af\u30b9\u3068\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306e\u304a\u304b\u3052\u3067\u3001\u30d7\u30ed\u30bb\u30b9 \u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306e\u4f38\u3073\u304c 9% \u3060\u3063\u305f\u306e\u306b\u5bfe\u3057\u300114% \u4f38\u3073\u307e\u3057\u305f\u3002<\/p>\n

\u56fd\u969b\u53d6\u5f15\u53ce\u76ca\u306f\u3001\u6628\u5e74\u304b\u3089\u7d9a\u3044\u3066\u3044\u308b\u901a\u8ca8\u306e\u30dc\u30e9\u30c6\u30a3\u30ea\u30c6\u30a3\u306e\u9ad8\u3055\u306e\u5f71\u97ff\u3092\u53d7\u3051\u3001\u6b27\u5dde\u57df\u5185\u3092\u9664\u304d\u3001\u56fd\u5883\u3092\u8d8a\u3048\u308b\u30c9\u30eb\u306e\u53d6\u5f15\u9ad8\u304c16\uff05\u5897\u52a0\u3057\u305f\u306e\u306b\u5bfe\u3057\u30018\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u305d\u306e\u4ed6\u306e\u53ce\u76ca\u306f\u3001\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u53ce\u76ca\u306e\u5805\u8abf\u306a\u4f38\u3073\u306b\u3088\u308a 18% \u5897\u52a0\u3057\u307e\u3057\u305f\u304c\u3001\u4e3b\u306b FIFA \u95a2\u9023\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u53ce\u76ca\u306b\u3088\u308b 2023 \u5e74\u304b\u3089\u306e 31% \u306e\u6210\u9577\u306e\u5f71\u97ff\u3092\u53d7\u3051\u307e\u3057\u305f\u3002 \u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u306f 20% \u5897\u52a0\u3057\u307e\u3057\u305f\u304c\u3001\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e\u696d\u7e3e\u3068\u53d6\u5f15\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u306b\u3088\u308a\u3001\u6700\u7d42\u7684\u306b\u4e88\u60f3\u3088\u308a\u3082\u4f4e\u304f\u306a\u308a\u307e\u3057\u305f\u3002 \u5f53\u793e\u306e 3 \u3064\u306e\u6210\u9577\u30a8\u30f3\u30b8\u30f3\u5168\u4f53\u3067\u3001\u6d88\u8cbb\u8005\u6c7a\u6e08\u306e\u6210\u9577\u306f\u3001\u6c7a\u6e08\u91cf\u306e\u5897\u52a0\u3068\u30d7\u30ed\u30bb\u30b9\u53d6\u5f15\u306e\u76f8\u5bfe\u7684\u306a\u5b89\u5b9a\u6027\u3001\u304a\u3088\u3073\u56fd\u5883\u3092\u8d8a\u3048\u305f\u6c7a\u6e08\u91cf\u306e\u5927\u5e45\u306a\u5897\u52a0\u306b\u3088\u3063\u3066\u727d\u5f15\u3055\u308c\u307e\u3057\u305f\u3002<\/p>\n

\u4eca\u56db\u534a\u671f\u3001\u65b0\u305f\u306a\u30d5\u30ed\u30fc\u3067\u306f\u3001\u57fa\u790e\u7684\u306a\u8981\u56e0\u306f\u6bd4\u8f03\u7684\u5b89\u5b9a\u3057\u3066\u3044\u307e\u3057\u305f\u3002 \u5546\u696d\u91cf\u306f\u30c9\u30eb\u63db\u7b97\u3067\u524d\u5e74\u6bd4 8% \u5897\u52a0\u3057\u3001Visa Direct \u306e\u53d6\u5f15\u306f 20% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u65b0\u898f\u30d5\u30ed\u30fc\u306e\u5408\u8a08\u53ce\u76ca\u306f\u3001\u3044\u304f\u3064\u304b\u306e\u4e00\u6642\u7684\u306a\u9805\u76ee\u3068\u30d3\u30b8\u30cd\u30b9\u30df\u30c3\u30af\u30b9\u306e\u5f71\u97ff\u306b\u3088\u308a\u3001\u524d\u5e74\u6bd4\u4e00\u5b9a\u30c9\u30eb\u30d9\u30fc\u30b9\u3067 1 \u6841\u53f0\u524d\u534a\u306e\u5897\u52a0\u3067\u3057\u305f\u3002 \u3054\u5b58\u77e5\u306e\u3068\u304a\u308a\u3001\u3069\u306e\u671f\u9593\u306b\u304a\u3044\u3066\u3082\u30d7\u30c3\u30c8\u3068\u30c6\u30a4\u30af\u306f\u3042\u308a\u5f97\u307e\u3059\u304c\u3001\u6700\u3082\u91cd\u8981\u306a\u3053\u3068\u306f\u3001\u30c9\u30e9\u30a4\u30d0\u30fc\u304c\u5b89\u5b9a\u3057\u3066\u3044\u308b\u3053\u3068\u3001\u305d\u3057\u3066 2024 \u5e74\u901a\u5e74\u306e\u65b0\u898f\u30d5\u30ed\u30fc\u53ce\u76ca\u304c\u6d88\u8cbb\u8005\u6c7a\u6e08\u53ce\u76ca\u3092\u4e0a\u56de\u308b\u30da\u30fc\u30b9\u3067\u6210\u9577\u3059\u308b\u3068\u5f15\u304d\u7d9a\u304d\u4e88\u60f3\u3057\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u7b2c 1 \u56db\u534a\u671f\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u53ce\u76ca\u306f\u3001\u767a\u884c\u304a\u3088\u3073\u53d7\u3051\u5165\u308c\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u597d\u8abf\u306b\u3088\u308a\u3001\u56fa\u5b9a\u30c9\u30eb\u30d9\u30fc\u30b9\u3067 20% \u5897\u52a0\u3057\u300121 \u5104\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002 GAAP \u30d9\u30fc\u30b9\u306e\u55b6\u696d\u8cbb\u7528\u306f 6% \u6e1b\u5c11\u3057\u307e\u3057\u305f\u3002 \u7d4c\u8cbb\u306e\u6e1b\u5c11\u306f\u8a34\u8a1f\u5f15\u5f53\u91d1\u306e\u6e1b\u5c11\u306b\u3088\u308b\u3082\u306e\u3067\u3059\u304c\u3001\u4eba\u4ef6\u8cbb\u306e\u5897\u52a0\u306b\u3088\u308a\u82e5\u5e72\u76f8\u6bba\u3055\u308c\u307e\u3057\u305f\u3002 \u975e GAAP \u30d9\u30fc\u30b9\u306e\u55b6\u696d\u8cbb\u7528\u306f\u3001\u4e3b\u306b\u4eba\u4ef6\u8cbb\u306e\u5897\u52a0\u306b\u3088\u308a 7% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u682a\u5f0f\u6295\u8cc7\u306b\u3088\u308b\u7d14\u5229\u76ca 400 \u4e07\u30c9\u30eb\u3092\u9664\u304f\u3068\u3001\u975e GAAP \u30d9\u30fc\u30b9\u306e\u55b6\u696d\u5916\u53ce\u76ca\u306f 8,400 \u4e07\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002 \u5f53\u793e\u306e GAAP \u7a0e\u7387\u306f 19.1%\u3001\u975e GAAP \u7a0e\u7387\u306f 19% \u3067\u3057\u305f\u304c\u3001\u3053\u308c\u306f\u4e88\u60f3\u3092\u4e0a\u56de\u308b\u7a0e\u5236\u4e0a\u306e\u6069\u6075\u3092\u53d7\u3051\u307e\u3057\u305f\u3002 GAAP EPS \u306f 2.39 \u30c9\u30eb\u3067\u3057\u305f\u3002 \u975e GAAP \u30d9\u30fc\u30b9\u306e EPS \u306f 2.41 \u30c9\u30eb\u3067\u3001\u70ba\u66ff\u30ec\u30fc\u30c8\u306b\u3088\u308b\u7d04 0.5 \u30dd\u30a4\u30f3\u30c8\u306e\u5229\u76ca\u3092\u542b\u3081\u3001\u524d\u5e74\u6bd4 11% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u7b2c 1 \u56db\u534a\u671f\u306b\u3001\u5f53\u793e\u306f\u7d04 34 \u5104\u30c9\u30eb\u306e\u682a\u5f0f\u3092\u8cb7\u3044\u623b\u3057\u300110 \u5104\u30c9\u30eb\u3092\u8d85\u3048\u308b\u914d\u5f53\u3092\u682a\u4e3b\u306b\u5206\u914d\u3057\u307e\u3057\u305f\u3002<\/p>\n

12\u6708\u672b\u6642\u70b9\u3067\u3001\u5f53\u793e\u306e\u8cb7\u3044\u623b\u3057\u627f\u8a8d\u984d\u306f264\u5104\u30c9\u30eb\u6b8b\u3063\u3066\u3044\u305f\u3002 \u3055\u3066\u30011\u6708\u304b\u308921\u65e5\u307e\u3067\u306e\u3053\u308c\u307e\u3067\u306e\u69d8\u5b50\u306b\u79fb\u308a\u307e\u3057\u3087\u3046\u3002 \u7c73\u56fd\u306e\u6c7a\u6e08\u984d\u306f\u524d\u5e74\u540c\u671f\u6bd44%\u5897\u3001\u501f\u65b93%\u5897\u3001\u8cb8\u65b94%\u5897\u3067\u300112\u6708\u304b\u3089\u6e1b\u5c11\u3057\u307e\u3057\u305f\u304c\u3001\u3053\u308c\u306f\u4e3b\u306b\u7c73\u56fd\u306e\u4e00\u90e8\u306e\u60aa\u5929\u5019\u306b\u3088\u308a\u3001\u30d7\u30ed\u30bb\u30b9\u53d6\u5f15\u304c\u524d\u5e74\u6bd48%\u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u6b27\u5dde\u5185\u306e\u53d6\u5f15\u3092\u9664\u304f\u3001\u30c9\u30eb\u306e\u56fd\u5883\u3092\u8d8a\u3048\u305f\u53d6\u5f15\u9ad8\u306f\u3001\u524d\u5e74\u540c\u671f\u6bd4\u3067 16% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u30e8\u30fc\u30ed\u30c3\u30d1\u5185\u3092\u9664\u304f\u65c5\u884c\u95a2\u9023\u306e\u56fd\u5883\u3092\u8d8a\u3048\u305f\u65c5\u884c\u91cf\u306f\u524d\u5e74\u6bd416%\u5897\u52a0\u30012019\u5e74\u6bd4\u3067\u306f146%\u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u307e\u305f\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30ab\u30fc\u30c9\u3092\u6301\u305f\u306a\u3044\u65c5\u884c\u8005\u306f 16% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u3055\u3066\u3001\u79c1\u305f\u3061\u306e\u671f\u5f85\u306b\u79fb\u308a\u307e\u3057\u3087\u3046\u3002 \u8abf\u6574\u5f8c\u30d9\u30fc\u30b9\u306f\u3001\u8cb7\u53ce\u306e\u5f71\u97ff\u3092\u9664\u3044\u305f\u4e00\u5b9a\u30c9\u30eb\u306e\u975e GAAP \u7d50\u679c\u3068\u3057\u3066\u5b9a\u7fa9\u3055\u308c\u308b\u3053\u3068\u306b\u6ce8\u610f\u3057\u3066\u304f\u3060\u3055\u3044\u3002 \u8a73\u7d30\u306b\u3064\u3044\u3066\u306f\u3001\u6c7a\u7b97\u30d7\u30ec\u30bc\u30f3\u30c6\u30fc\u30b7\u30e7\u30f3\u3067\u3053\u308c\u3089\u306e\u958b\u793a\u3092\u78ba\u8a8d\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u901a\u5e74\u3067\u306f\u3001\u63a8\u9032\u8981\u56e0\u3001\u8abf\u6574\u5f8c\u306e\u7d14\u53ce\u76ca\u3001\u307e\u305f\u306f EPS \u306e\u4f38\u3073\u306b\u3064\u3044\u3066\u3001\u5f93\u6765\u306e\u898b\u901a\u3057\u306b\u5927\u304d\u306a\u5909\u66f4\u306f\u3042\u308a\u307e\u305b\u3093\u3002 \u79c1\u305f\u3061\u306e\u30c9\u30e9\u30a4\u30d0\u30fc\u306f\u3001\u666f\u6c17\u5f8c\u9000\u3084 Reg II \u306e\u5f71\u97ff\u304c\u3055\u3089\u306b\u5897\u5927\u3059\u308b\u3053\u3068\u3092\u60f3\u5b9a\u3057\u3066\u3044\u306a\u3044\u3053\u3068\u306b\u6ce8\u610f\u3057\u3066\u304f\u3060\u3055\u3044\u3002 \u30d4\u30ba\u30e2\u306f\u3001\u901a\u671f\u306e\u7d14\u53ce\u76ca\u306e\u4f38\u3073\u306b\u5bfe\u3059\u308b\u6069\u6075\u306f\u6700\u5c0f\u9650\u3067\u3001\u975e GAAP \u30d9\u30fc\u30b9\u306e\u55b6\u696d\u8cbb\u7528\u3068 EPS \u306e\u4f38\u3073\u306b\u5bfe\u3057\u3066\u306f\u7d04 0.5 \u30dd\u30a4\u30f3\u30c8\u306e\u9006\u98a8\u304c\u3042\u308b\u3068\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002 \u70ba\u66ff\u306f\u3001\u7d14\u53ce\u76ca\u306e\u4f38\u3073\u306b\u5bfe\u3057\u3066\u7d04 0.5 \u30dd\u30a4\u30f3\u30c8\u306e\u5f71\u97ff\u3092\u53ca\u307c\u3057\u3001\u975e GAAP \u30d9\u30fc\u30b9\u306e\u55b6\u696d\u8cbb\u7528\u306e\u4f38\u3073\u306b\u5bfe\u3057\u3066\u7d04 1 \u30dd\u30a4\u30f3\u30c8\u306e\u6069\u6075\u3092\u3082\u305f\u3089\u3057\u3001\u975e GAAP \u30d9\u30fc\u30b9\u306e EPS \u306e\u4f38\u3073\u306b\u5bfe\u3059\u308b\u5f71\u97ff\u306f\u6700\u5c0f\u9650\u306b\u6291\u3048\u3089\u308c\u308b\u3068\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002<\/p>\n

\u975e GAAP \u30d9\u30fc\u30b9\u306e\u55b6\u696d\u5916\u53ce\u76ca\u306f 3 \u5104 5,000 \u4e07\u30c9\u30eb\u304b\u3089 4 \u5104\u30c9\u30eb\u306b\u306a\u308b\u3068\u4e88\u60f3\u3055\u308c\u3066\u304a\u308a\u3001\u7c73\u56fd\u4ee5\u5916\u306e\u7a0e\u52d9\u554f\u984c\u306e\u89e3\u6c7a\u306b\u3088\u308a\u3001\u305d\u306e\u534a\u5206\u8fd1\u304f\u304c\u7b2c 2 \u56db\u534a\u671f\u306b\u767a\u751f\u3057\u307e\u3059\u3002 \u3053\u308c\u3089\u3092\u7dcf\u5408\u3059\u308b\u3068\u3001\u8abf\u6574\u5f8c\u306e\u7d14\u53ce\u76ca\u306e\u4f38\u3073\u306f\u5909\u308f\u3089\u305a 2 \u6841\u53f0\u524d\u534a\u3001\u8abf\u6574\u5f8c\u306e\u55b6\u696d\u8cbb\u7528\u306e\u4f38\u3073\u306f 2 \u6841\u53f0\u524d\u534a\u306b\u66f4\u65b0\u3055\u308c\u3001\u8abf\u6574\u5f8c\u306e EPS \u306e\u4f38\u3073\u3082\u5909\u308f\u3089\u305a 10 \u6841\u53f0\u524d\u534a\u3067\u3059\u3002 \u7b2c 2 \u56db\u534a\u671f\u306b\u3064\u3044\u3066\u306f\u3001\u901a\u5e74\u3068\u540c\u69d8\u306b\u3001\u30d4\u30ba\u30e2\u306e\u7d14\u53ce\u76ca\u306e\u4f38\u3073\u306b\u5bfe\u3059\u308b\u6069\u6075\u306f\u6700\u5c0f\u9650\u3067\u3042\u308a\u3001\u975e GAAP \u30d9\u30fc\u30b9\u306e\u55b6\u696d\u8cbb\u7528\u3068 EPS \u306e\u4f38\u3073\u306b\u5bfe\u3057\u3066\u306f\u7d04 0.5 \u30dd\u30a4\u30f3\u30c8\u306e\u9006\u98a8\u304c\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002 \u70ba\u66ff\u306b\u3088\u308b\u7d14\u53ce\u76ca\u306e\u4f38\u3073\u3078\u306e\u5f71\u97ff\u306f\u6700\u5c0f\u9650\u306b\u6291\u3048\u3089\u308c\u3001\u975e GAAP \u30d9\u30fc\u30b9\u306e\u55b6\u696d\u8cbb\u7528\u306e\u4f38\u3073\u306b\u5bfe\u3057\u3066\u306f\u7d04 0.5 \u30dd\u30a4\u30f3\u30c8\u306e\u30e1\u30ea\u30c3\u30c8\u304c\u3042\u308a\u3001\u975e GAAP \u30d9\u30fc\u30b9\u306e EPS \u306e\u4f38\u3073\u306b\u5bfe\u3057\u3066\u306f\u6700\u5c0f\u9650\u306e\u30e1\u30ea\u30c3\u30c8\u304c\u898b\u8fbc\u307e\u308c\u307e\u3059\u3002<\/p>\n

\u8abf\u6574\u5f8c\u306e\u7d14\u53ce\u76ca\u306e\u4f38\u3073\u7387\u306f 1 \u6841\u53f0\u534a\u3070\u304b\u3089\u5f8c\u534a\u3001\u8abf\u6574\u5f8c\u306e\u55b6\u696d\u8cbb\u7528\u306e\u4f38\u3073\u7387\u306f 10% \u3092\u8d85\u3048\u308b 2 \u6841\u53f0\u524d\u534a\u306b\u306a\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u3002 \u5148\u307b\u3069\u8ff0\u3079\u305f\u3088\u3046\u306b\u3001\u3044\u304f\u3064\u304b\u306e\u7a0e\u52d9\u554f\u984c\u306e\u89e3\u6c7a\u306b\u3088\u308a\u3001\u55b6\u696d\u5916\u53ce\u76ca\u304c\u7b2c 2 \u56db\u534a\u671f\u306b\u6700\u9ad8\u3068\u306a\u308b\u3053\u3068\u304c\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002 \u305d\u306e\u305f\u3081\u3001\u901a\u671f\u3067\u306f\u636e\u3048\u7f6e\u304d\u3067\u3001\u7b2c2\u56db\u534a\u671f\u306e\u7a0e\u7387\u306f16\uff05\u304b\u308916.5\uff05\u306b\u306a\u308b\u3068\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002 \u3053\u308c\u306b\u3088\u308a\u3001\u7b2c 2 \u56db\u534a\u671f\u306e\u8abf\u6574\u5f8c EPS \u6210\u9577\u7387\u306f 10 \uff05\u53f0\u5f8c\u534a\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u8981\u7d04\u3059\u308b\u3068\u3001\u7b2c 1 \u56db\u534a\u671f\u306f\u9806\u8abf\u306a\u30b9\u30bf\u30fc\u30c8\u3092\u5207\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3057\u305f\u3002 \u57fa\u672c\u7684\u306a\u539f\u52d5\u529b\u306f\u6bd4\u8f03\u7684\u5b89\u5b9a\u3057\u3066\u304a\u308a\u3001\u901a\u671f\u306e\u898b\u901a\u3057\u306b\u5927\u304d\u306a\u5909\u66f4\u306f\u306a\u304f\u3001\u5f53\u793e\u306f\u5f15\u304d\u7d9a\u304d 2024 \u5e74\u306e\u6b8b\u308a\u306e\u6210\u9577\u6226\u7565\u306e\u5b9f\u884c\u306b\u6ce8\u529b\u3057\u3066\u3044\u304d\u307e\u3059\u3002\u3044\u3064\u3082\u306e\u3088\u3046\u306b\u3001\u74b0\u5883\u304c\u5909\u5316\u3057\u3001\u5f53\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u51fa\u6765\u4e8b\u304c\u767a\u751f\u3057\u305f\u5834\u5408\u3001 \u3082\u3061\u308d\u3093\u3001\u652f\u51fa\u8a08\u753b\u306f\u8abf\u6574\u3057\u307e\u3059\u3002 \u79c1\u305f\u3061\u306f\u3001\u77ed\u671f\u7684\u306a\u691c\u8a0e\u3068\u9577\u671f\u7684\u306a\u691c\u8a0e\u306e\u9593\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u8003\u616e\u3057\u7d9a\u3051\u307e\u3059\u3002<\/p>\n

\u305d\u308c\u3067\u306f\u3001\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u3001Q&A \u306b\u884c\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3001\u30af\u30ea\u30b9\u3002\u3053\u308c\u3067\u8cea\u554f\u3092\u53d7\u3051\u4ed8\u3051\u308b\u6e96\u5099\u304c\u6574\u3044\u307e\u3057\u305f\u3002<\/p>\n

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

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

\u3010\u904b\u55b6\u8005\u3078\u306e\u6307\u793a\u3011 \u8cea\u554f\u8005\u5168\u54e1\u306e\u610f\u898b\u3092\u78ba\u5b9f\u306b\u805e\u304f\u305f\u3081\u3001\u8cea\u554f\u306f 1 \u3064\u307e\u3067\u306b\u3057\u3066\u3044\u305f\u3060\u304d\u307e\u3059\u3088\u3046\u304a\u9858\u3044\u3044\u305f\u3057\u307e\u3059\u3002 [\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u3078\u306e\u6307\u793a] \u6700\u521d\u306e\u8cea\u554f\u306f\u3001JP \u30e2\u30eb\u30ac\u30f3\u306e Tien-Tsin Huang \u304b\u3089\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

Tien-Tsin Huang — JP\u30e2\u30eb\u30ac\u30f3\u30fb\u30c1\u30a7\u30fc\u30b9\u30fb\u30a2\u30f3\u30c9\u30fb\u30ab\u30f3\u30d1\u30cb\u30fc — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3084\u3042\u3001\u3069\u3046\u3082\u3042\u308a\u304c\u3068\u3046\u3002 \u3053\u3053\u3067\u8aac\u660e\u3068\u3088\u308a\u5927\u304d\u306a\u8cea\u554f\u304c\u5fc5\u8981\u3067\u3059\u3002 \u660e\u78ba\u306b\u3057\u3066\u304a\u304d\u307e\u3059\u304c\u3001\u65b0\u898f\u30d5\u30ed\u30fc\u306f\u524d\u56db\u534a\u671f\u306e 10 \u6841\u534a\u3070\u304b\u3089 1 \u6841\u524d\u534a\u306b\u4e0a\u6607\u3057\u3066\u3044\u307e\u3059\u3002 \u8a08\u753b\u306b\u5bfe\u3057\u3066\u3069\u306e\u3088\u3046\u306a\u7d50\u679c\u306b\u306a\u3063\u305f\u306e\u3067\u3057\u3087\u3046\u304b? \u4e00\u6642\u7684\u306a\u554f\u984c\u306f\u3042\u308a\u307e\u3057\u305f\u304b? \u4ed6\u306e\u6307\u6a19\u3082\u4e00\u81f4\u3057\u3066\u3044\u308b\u3088\u3046\u306b\u898b\u3048\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\n

\u305d\u308c\u304b\u3089\u79c1\u306e\u8cea\u554f\u306f\u3001\u3053\u3053\u3067\u4e00\u6841\u534a\u3070\u306e\u7c73\u56fd\u306e\u53d6\u5f15\u91cf\u306b\u3064\u3044\u3066\u3067\u3057\u305f\u3002\u3053\u308c\u306f PCE \u306b\u5bfe\u3057\u3066\u304b\u306a\u308a\u53b3\u3057\u3044\u3067\u3059\u3002 \u30ac\u30b9\u3001\u96fb\u5b50\u901a\u4fe1\u3001Reg II \u306a\u3069\u591a\u304f\u306e\u8981\u56e0\u304c\u3042\u308b\u3053\u3068\u306f\u627f\u77e5\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u77ed\u671f\u304b\u3089\u4e2d\u671f\u306e PCE \u6210\u9577\u3068\u306e\u95a2\u9023\u3067\u3001\u3053\u3053\u3067\u306e\u7c73\u56fd\u306e\u8ca9\u58f2\u91cf\u306b\u3064\u3044\u3066\u306e\u898b\u89e3\u3092\u660e\u78ba\u306b\u3057\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b\u3002 \u3042\u308a\u304c\u3068\u3046\u3002<\/p>\n

\u30e9\u30a4\u30a2\u30f3\u30fb\u30de\u30ad\u30ca\u30cb\u30fc — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u30c6\u30a3\u30a8\u30f3\u30c4\u30a3\u30f3\u3001\u30e9\u30a4\u30a2\u30f3\u3067\u3059\u3002 \u3042\u306a\u305f\u306e\u8cea\u554f\u306e 2 \u756a\u76ee\u306e\u90e8\u5206\u304b\u3089\u59cb\u3081\u307e\u305b\u3093\u304b\u3002\u305d\u3046\u3059\u308c\u3070\u3001Chris \u304c\u6700\u521d\u306e\u90e8\u5206\u306b\u7b54\u3048\u3066\u30012 \u756a\u76ee\u306e\u90e8\u5206\u3092\u8ffd\u52a0\u307e\u305f\u306f\u4fee\u6b63\u3067\u304d\u307e\u3059\u3002 \u7c73\u56fd\u306e\u8a71\u306b\u5c11\u3057\u623b\u308a\u307e\u3057\u3087\u3046\u3002\u7c73\u56fd\u306f\u6d88\u8cbb\u8005\u6c7a\u6e08\u306b\u304a\u3044\u3066\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u4f9d\u7136\u3068\u3057\u3066\u91cd\u8981\u306a\u6a5f\u4f1a\u3067\u3059\u3002 \u3064\u307e\u308a\u3001\u307e\u3060\u305f\u304f\u3055\u3093\u306e\u73fe\u91d1\u3001\u305f\u304f\u3055\u3093\u306e\u5c0f\u5207\u624b\u3001\u305f\u304f\u3055\u3093\u306eACH\u304c\u6b8b\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u306f\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3084\u9280\u884c\u3068\u5354\u529b\u3057\u3066\u3001\u3088\u308a\u591a\u304f\u306e\u4eba\u3005\u3092\u30ab\u30fc\u30c9\u306e\u5206\u91ce\u306b\u53d6\u308a\u8fbc\u3080\u305f\u3081\u306b\u7d20\u6674\u3089\u3057\u3044\u53d6\u308a\u7d44\u307f\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002 \u79c1\u305f\u3061\u306f\u3001\u914d\u7ba1\u5de5\u3084\u8acb\u8ca0\u696d\u8005\u3001\u6148\u5584\u56e3\u4f53\u3001\u81ea\u52d5\u8ca9\u58f2\u6a5f\u3001\u99d0\u8eca\u5834\u3001\u30bf\u30c3\u30d7\u30c8\u30a5\u30da\u30a4\u306a\u3069\u306e\u30b5\u30fc\u30d3\u30b9\u7523\u696d\u306e\u53d7\u3051\u5165\u308c\u3092\u62e1\u5927\u3059\u308b\u53d6\u308a\u7d44\u307f\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002 \u3064\u307e\u308a\u3001\u79c1\u305f\u3061\u306f\u5f15\u304d\u7d9a\u304d\u7c73\u56fd\u5e02\u5834\u306b\u975e\u5e38\u306b\u8208\u596e\u3057\u3066\u3044\u307e\u3059\u3002 \u3042\u306a\u305f\u304c\u8a00\u3063\u305f\u3068\u304a\u308a\u3060\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u30af\u30ea\u30b9\u304c\u3082\u3046\u5c11\u3057\u8a73\u7d30\u3092\u8ffd\u52a0\u3067\u304d\u307e\u3059\u304c\u3001\u4eca\u56db\u534a\u671f\u306b\u306f\u3001\u3042\u306a\u305f\u304c\u8a71\u3057\u305f\u3088\u3046\u306b\u3001PCE\u306b\u95a2\u9023\u3057\u3066\u7c73\u56fd\u306e\u6210\u9577\u7387\u306b\u30d3\u30b6\u56fa\u6709\u306e\u8981\u56e0\u304c\u3044\u304f\u3064\u304b\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u3057\u304b\u3057\u3001\u4eca\u5f8c\u306b\u76ee\u3092\u5411\u3051\u308b\u3068\u3001\u305d\u308c\u306f\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u30c1\u30e3\u30f3\u30b9\u3067\u3042\u308a\u7d9a\u3051\u307e\u3059\u3002 \u79c1\u305f\u3061\u306f\u3053\u308c\u304b\u3089\u3082\u697d\u3057\u307f\u306b\u3057\u3066\u3044\u307e\u3059\u3002 \u30af\u30ea\u30b9\u3001Tien-Tsin \u306e\u8cea\u554f\u306e\u6700\u521d\u306e\u90e8\u5206\u3092\u53d6\u308a\u4e0a\u3052\u3066\u30012 \u756a\u76ee\u306e\u8cea\u554f\u306b\u4f55\u304b\u4ed8\u3051\u52a0\u3048\u305f\u3044\u3067\u3059\u304b?<\/p>\n

Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

\u3082\u3061\u308d\u3093\u3002 \u305d\u3046\u3067\u3059\u306d\u3001\u65b0\u3057\u3044\u6d41\u308c\u306e\u4e2d\u3067\u3001\u79c1\u305f\u3061\u306e\u5546\u696d\u30d3\u30b8\u30cd\u30b9\u306e\u6839\u5e95\u306b\u3042\u308b\u30d5\u30a1\u30f3\u30c0\u30e1\u30f3\u30bf\u30eb\u30ba\u306f\u5065\u5168\u306a\u307e\u307e\u3067\u3059\u3002 \u5546\u696d\u6c7a\u6e08\u984d\u306f 8% \u5897\u52a0\u3057\u3001Visa Direct \u53d6\u5f15\u306f 20% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u91cd\u8981\u306a\u3053\u3068\u306f\u3001\u65b0\u3057\u3044\u30d5\u30ed\u30fc\u4e8b\u696d\u304c\u30d3\u30b6\u306e\u6210\u9577\u30a8\u30f3\u30b8\u30f3\u3067\u3042\u308a\u7d9a\u3051\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u5f53\u793e\u306f\u3001\u901a\u5e74\u306e\u53ce\u76ca\u306e\u4f38\u3073\u304c\u6d88\u8cbb\u8005\u306e\u53ce\u76ca\u306e\u4f38\u3073\u3092\u4e0a\u56de\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u3002 \u7b2c 1 \u56db\u534a\u671f\u306b\u95a2\u3059\u308b\u3054\u8cea\u554f\u306b\u7279\u5316\u3057\u305f\u3082\u306e\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u3044\u304f\u3064\u304b\u306e\u8981\u56e0\u306e\u5f71\u97ff\u3092\u53d7\u3051\u307e\u3057\u305f\u3002\u307e\u305a\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u69cb\u6210\u3002\u65c5\u884c\u304c\u6b63\u5e38\u5316\u3057\u7d9a\u3051\u305f\u305f\u3081\u3001\u7b2c 1 \u56db\u534a\u671f\u306e\u56fd\u5883\u3092\u8d8a\u3048\u305f\u8f38\u9001\u91cf\u306e\u4f38\u3073\u304c\u920d\u5316\u3057\u307e\u3057\u305f\u3002 \u7b2c\u4e8c\u306b\u3001\u3053\u306e\u6210\u9577\u306f\u3001\u7279\u5b9a\u306e\u56db\u534a\u671f\u3067\u901a\u5e38\u898b\u3089\u308c\u308b\u3088\u308a\u3082\u305f\u307e\u305f\u307e\u898f\u6a21\u304c\u5927\u304d\u304b\u3063\u305f\u3044\u304f\u3064\u304b\u306e\u4e00\u6642\u7684\u306a\u9805\u76ee\u306b\u3088\u3063\u3066\u3082\u5f71\u97ff\u3092\u53d7\u3051\u307e\u3057\u305f\u3002 \u3057\u304b\u3057\u5168\u4f53\u3068\u3057\u3066\u3001\u79c1\u305f\u3061\u306f\u3053\u306e\u30d3\u30b8\u30cd\u30b9\u3068\u4eca\u5f8c\u306e\u9577\u671f\u7684\u306a\u6210\u9577\u8ecc\u9053\u306b\u3064\u3044\u3066\u7d20\u6674\u3089\u3057\u3044\u3068\u611f\u3058\u3066\u3044\u307e\u3059\u3002<\/p>\n

Tien-Tsin Huang — JP\u30e2\u30eb\u30ac\u30f3\u30fb\u30c1\u30a7\u30fc\u30b9\u30fb\u30a2\u30f3\u30c9\u30fb\u30ab\u30f3\u30d1\u30cb\u30fc — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3044\u3044\u306d\u3002 \u305d\u308c\u306f\u5f79\u306b\u7acb\u3061\u307e\u3059\u3002 \u3042\u306a\u305f\u304c\u305f\u4e21\u65b9\u306b\u611f\u8b1d\u3057\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

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

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

\u6b21\u306e\u8cea\u554f\u306f\u3001RBC Capital Markets \u306e Dan Perlin \u6c0f\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

Dan Perlin — RBC Capital Markets — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306b\u304a\u3051\u308b\u65b0\u3057\u3044\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u306b\u3064\u3044\u3066\u8cea\u554f\u3057\u305f\u304b\u3063\u305f\u3060\u3051\u3067\u3059\u3002 \u30e9\u30a4\u30a2\u30f3\u3001\u512a\u5148\u4e8b\u9805\u306e\u4e00\u74b0\u3068\u3057\u3066\u3001\u3059\u3079\u3066\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3067\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u3092\u5229\u7528\u3057\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u306d\u3002 \u305d\u3057\u3066\u3001\u3053\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u306e\u6210\u9577\u306b\u4f34\u3044\u3001\u304a\u305d\u3089\u304f\u3088\u308a\u5927\u304d\u306a\u5171\u540c\u8cac\u4efb\u304c\u751f\u3058\u308b\u3060\u308d\u3046\u3068\u3044\u3046\u4e8b\u5b9f\u3092\u307b\u306e\u3081\u304b\u3057\u3066\u3044\u305f\u3068\u601d\u3044\u307e\u3059\u304c\u3001ServiceNow \u306f\u660e\u3089\u304b\u306b\u305d\u306e\u7d20\u6674\u3089\u3057\u3044\u4f8b\u3067\u3059\u3002 \u3057\u304b\u3057\u79c1\u306f\u3001\u30d3\u30b6\u304c\u3053\u308c\u3089 2 \u3064\u306e\u63d0\u643a\u306b\u3088\u3063\u3066\u305d\u3046\u3057\u305f\u6a5f\u4f1a\u3092\u5207\u308a\u958b\u304f\u53ef\u80fd\u6027\u306b\u3064\u3044\u3066\u3001\u305d\u3057\u3066\u305d\u308c\u304c\u3042\u308b\u6642\u70b9\u3067\u4f1a\u793e\u306e\u8ca1\u52d9\u72b6\u6cc1\u306b\u3069\u306e\u3088\u3046\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u304b\u306b\u3064\u3044\u3066\u3001\u3069\u306e\u3088\u3046\u306b\u8003\u3048\u308b\u3079\u304d\u304b\u3092\u8abf\u6574\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u3060\u3051\u306a\u306e\u3067\u3059\u3002<\/p>\n

\u30e9\u30a4\u30a2\u30f3\u30fb\u30de\u30ad\u30ca\u30cb\u30fc — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u3046\u3093\u3002 ServiceNow \u3068\u30d1\u30fc\u30c8\u30ca\u30fc\u306b\u95a2\u3059\u308b\u5177\u4f53\u7684\u306a\u8cea\u554f\u306b\u7b54\u3048\u308b\u524d\u306b\u3082\u3046\u4e00\u5ea6\u8a00\u3063\u3066\u304a\u304d\u307e\u3059\u304c\u3001\u79c1\u305f\u3061\u306f\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u6226\u7565\u306b\u304a\u3051\u308b\u9032\u6b69\u306b\u975e\u5e38\u306b\u8208\u596e\u3057\u3066\u3044\u307e\u3059\u3002 \u79c1\u305f\u3061\u306f\u5e02\u5834\u3067\u898b\u3089\u308c\u308b\u52e2\u3044\u306b\u8208\u596e\u3057\u3066\u3044\u307e\u3059\u3002 \u5f53\u793e\u306e\u8ca9\u58f2\u52aa\u529b\u304c\u3001\u767a\u884c\u3001\u53d7\u5165\u308c\u3001\u30ea\u30b9\u30af\u3068\u30a2\u30a4\u30c7\u30f3\u30c6\u30a3\u30c6\u30a3\u3001\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u3001\u30aa\u30fc\u30d7\u30f3 \u30d0\u30f3\u30ad\u30f3\u30b0\u5168\u4f53\u306b\u308f\u305f\u3063\u3066\u5b9f\u969b\u306b\u6210\u529f\u3068\u5b9f\u7e3e\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u78ba\u8a8d\u3067\u304d\u308b\u3053\u3068\u3092\u5927\u5909\u3046\u308c\u3057\u304f\u601d\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

ServiceNow \u306e\u3088\u3046\u306a\u30d1\u30fc\u30c8\u30ca\u30fc\u306b\u95a2\u3057\u3066\u3042\u306a\u305f\u304c\u8a00\u3063\u3066\u3044\u305f\u3068\u304a\u308a\u3067\u3059\u3002 \u79c1\u305f\u3061\u304c\u767a\u898b\u3057\u305f\u306e\u306f\u3001\u4e16\u754c\u4e2d\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u306b\u76f4\u63a5\u8ca9\u58f2\u3059\u308b\u3053\u3068\u306b\u5927\u304d\u306a\u52aa\u529b\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002 \u3057\u304b\u3057\u3001\u79c1\u305f\u3061\u306f\u3001\u3059\u3067\u306b 1 \u3064\u306e\u56fd\u3084\u5730\u57df\u3067\u6570\u5343\u3001\u6570\u4e07\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u3055\u3089\u306b\u591a\u304f\u306e\u9867\u5ba2\u3068\u95a2\u4fc2\u3092\u6301\u3063\u3066\u3044\u308b\u3055\u307e\u3056\u307e\u306a\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u304b\u3089\u591a\u304f\u306e\u9700\u8981\u3082\u5f97\u3066\u3044\u307e\u3059\u3002 \u305d\u3057\u3066\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u5dee\u5225\u5316\u3057\u3001\u30e6\u30fc\u30b6\u30fc\u3084\u9867\u5ba2\u3068\u306e\u95a2\u4fc2\u3092\u6df1\u3081\u308b\u624b\u6bb5\u3068\u3057\u3066\u3001\u5f53\u793e\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u3092\u901a\u3058\u3066\u8ca9\u58f2\u3059\u308b\u3053\u3068\u306b\u975e\u5e38\u306b\u8208\u596e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

ServiceNow \u306e\u4f8b\u3067\u306f\u3001\u5f7c\u3089\u306f\u9280\u884c\u306e\u9867\u5ba2\u3068\u8a71\u3057\u5408\u3063\u3066\u304a\u308a\u3001\u9280\u884c\u306e\u9867\u5ba2\u306f\u79c1\u305f\u3061\u304c\u63d0\u4f9b\u3059\u308b\u7d1b\u4e89\u30b5\u30fc\u30d3\u30b9\u306e\u4e00\u90e8\u3092\u6c42\u3081\u3001\u8208\u5473\u3092\u6301\u3063\u3066\u3044\u307e\u3057\u305f\u3002 \u3057\u305f\u304c\u3063\u3066\u3001\u6e96\u5099\u3057\u305f\u30b3\u30e1\u30f3\u30c8\u3067\u8ff0\u3079\u305f\u3088\u3046\u306b\u3001ServiceNow \u3092\u4ecb\u3057\u305f\u7d1b\u4e89\u30b5\u30fc\u30d3\u30b9\u3092\u6700\u521d\u306b\u5e02\u5834\u306b\u6295\u5165\u3059\u308b\u3064\u3082\u308a\u3067\u3059\u3002 \u79c1\u305f\u3061\u306f\u4ed6\u306e\u88fd\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u306e\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u3092\u6301\u3063\u3066\u304a\u308a\u3001\u5f7c\u3089\u3068\u5354\u529b\u3057\u3066\u53d6\u308a\u7d44\u3093\u3067\u3044\u307e\u3059\u3002 \u305d\u3057\u3066\u3001\u79c1\u305f\u3061\u306f\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u5dee\u5225\u5316\u3057\u3001\u30e6\u30fc\u30b6\u30fc\u306b\u4fa1\u5024\u3092\u4ed8\u52a0\u3059\u308b\u65b9\u6cd5\u3068\u3057\u3066\u3001\u5f53\u793e\u306e\u9001\u91d1\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3068\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9 \u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u306b\u3064\u3044\u3066\u3001\u4e16\u754c\u4e2d\u306e\u4ed6\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3068\u306e\u8b70\u8ad6\u3092\u6df1\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

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

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

\u6b21\u306e\u8cea\u554f\u306f\u3001FT Partners \u306e Craig Maurer \u304b\u3089\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

\u30af\u30ec\u30a4\u30b0\u3001\u305d\u3053\u306b\u3044\u308b\uff1f<\/p>\n

Craig Maurer — Financial Technology Partners — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3046\u3093\u3002 \u3054\u3081\u3093\u306a\u3055\u3044\u3001\u805e\u3053\u3048\u307e\u3059\u304b\uff1f<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

\u78ba\u304b\u306b\u305d\u308c\u306f\u53ef\u80fd\u3067\u3059\u3002<\/p>\n

Craig Maurer — Financial Technology Partners — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u308f\u304b\u308a\u307e\u3057\u305f\u3002 \u7d20\u6674\u3089\u3057\u3044\u3002 Reg II \u306b\u95a2\u3059\u308b\u30b3\u30e1\u30f3\u30c8\u3068\u3001\u304a\u305d\u3089\u304f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304b\u3089\u30dc\u30ea\u30e5\u30fc\u30e0\u304c\u79fb\u52d5\u3057\u3066\u3044\u308b\u69d8\u5b50\u306b\u3064\u3044\u3066\u3082\u3046\u5c11\u3057\u8a73\u3057\u304f\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u306a\u3044\u304b\u3068\u805e\u304d\u305f\u304b\u3063\u305f\u306e\u3067\u3059\u3002 \u6b21\u306b\u3001\u3053\u306e\u56db\u534a\u671f\u306b\u7c73\u56fd\u306e\u30d3\u30b6\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u305f\u4e00\u6642\u7684\u306a\u9805\u76ee\u306b\u3064\u3044\u3066\u3001\u3082\u3046\u5c11\u3057\u8a73\u7d30\u3092\u8ffd\u52a0\u3057\u3066\u3044\u305f\u3060\u3051\u308c\u3070\u5e78\u3044\u3067\u3059\u3002<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3002<\/p>\n

\u30e9\u30a4\u30a2\u30f3\u30fb\u30de\u30ad\u30ca\u30cb\u30fc — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u305d\u308c\u3067\u306f\u3001Reg II \u306e\u30d3\u30b8\u30cd\u30b9\u9762\u306b\u3064\u3044\u3066\u5c11\u3057\u304a\u8a71\u3057\u3055\u305b\u3066\u304f\u3060\u3055\u3044\u3002\u305d\u306e\u5f8c\u3001\u30af\u30ea\u30b9\u3001Reg II \u3068 1 \u56de\u9650\u308a\u306e\u30a2\u30a4\u30c6\u30e0\u306b\u95a2\u3059\u308b\u3053\u308c\u3089\u306e\u5177\u4f53\u7684\u306a\u8cea\u554f\u306e\u4e21\u65b9\u306b\u7b54\u3048\u3066\u304f\u3060\u3055\u3044\u3002 \u73fe\u6642\u70b9\u3067\u306f\u305f\u3060\u89b3\u5bdf\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3060\u3068\u601d\u3044\u307e\u3059\u3002 \u7c73\u56fd\u3067\u306e Reg II \u304b\u3089 6 \u304b\u6708\u304c\u7d4c\u904e\u3057\u3001\u30de\u30fc\u30c1\u30e3\u30f3\u30c8\u5074\u306e\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u3084\u30d1\u30fc\u30c8\u30ca\u30fc\u3068\u5b9f\u969b\u306b\u95a2\u308f\u308b\u6a5f\u4f1a\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u3001\u79c1\u305f\u3061\u306f\u672c\u5f53\u306b\u826f\u3044\u8b70\u8ad6\u3001\u672c\u5f53\u306b\u826f\u3044\u5bfe\u8a71\u3092\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3053\u308c\u306f\u3001\u5f53\u793e\u306e\u88fd\u54c1\u3001\u30b5\u30fc\u30d3\u30b9\u3001\u7279\u306b Visa \u30c7\u30d3\u30c3\u30c8\u53d6\u5f15\u3092\u4ed6\u306e\u4ee3\u66ff\u624b\u6bb5\u3068\u533a\u5225\u3059\u308b\u3055\u307e\u3056\u307e\u306a\u70b9\u3092\u5f37\u8abf\u3059\u308b\u7d20\u6674\u3089\u3057\u3044\u6a5f\u4f1a\u3068\u306a\u308a\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u6b63\u76f4\u306b\u8a00\u3046\u3068\u3001\u3053\u308c\u307e\u3067\u4ee5\u4e0a\u306b\u7d44\u7e54\u5185\u306e\u4e0a\u7d1a\u30ec\u30d9\u30eb\u3067\u88fd\u54c1\u306e\u8a73\u7d30\u306b\u3064\u3044\u3066\u4f1a\u8a71\u3059\u308b\u6a5f\u4f1a\u304c\u5f97\u3089\u308c\u3066\u304a\u308a\u3001\u3053\u308c\u306f\u7d20\u6674\u3089\u3057\u3044\u3053\u3068\u3067\u3059\u3002 \u305d\u3057\u3066\u3053\u308c\u307e\u3067\u306e\u3068\u3053\u308d\u3001\u79c1\u305f\u3061\u306f\u5927\u304d\u306a\u6210\u529f\u3092\u53ce\u3081\u3066\u3044\u307e\u3059\u3002 \u55b6\u696d\u3067\u306e\u4f1a\u8a71\u306f\u524d\u5411\u304d\u3067\u3057\u305f\u3002<\/p>\n

Visa Direct \u306e\u6a5f\u80fd\u3068\u5229\u70b9\u306b\u3064\u3044\u3066\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u3068\u8a71\u3092\u3059\u308b\u4e2d\u3067\u5f97\u3089\u308c\u305f\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u3054\u3068\u306e\u7d50\u679c\u306f\u3001\u3053\u308c\u307e\u3067\u306e\u3068\u3053\u308d\u7d20\u6674\u3089\u3057\u3044\u3082\u306e\u3067\u3042\u308a\u3001\u3053\u308c\u307e\u3067\u306e\u3068\u3053\u308d 6 \u304b\u6708\u304c\u7d4c\u904e\u3057\u305f\u6642\u70b9\u3067\u306e\u7d50\u679c\u306b\u3064\u3044\u3066\u306f\u975e\u5e38\u306b\u6e80\u8db3\u3057\u3066\u3044\u307e\u3059\u3002 \u305d\u308c\u3067\u3001\u30af\u30ea\u30b9\u3001\u7279\u306b 2 \u3064\u306e\u4f5c\u54c1\u3092\u30d2\u30c3\u30c8\u3057\u305f\u3044\u306e\u3067\u3059\u304b\uff1f<\/p>\n

Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

\u306f\u3044\u3001\u305d\u3046\u3057\u307e\u3059\u3002 \u306f\u3044\u3001Reg II \u306b\u95a2\u3057\u3066\u306f\u3001\u6211\u3005\u304c\u793a\u3057\u305f\u3088\u3046\u306b\u3001\u7c73\u56fd\u3067\u306f\u82e5\u5e72\u306e\u5f71\u97ff\u304c\u898b\u3089\u308c\u307e\u3057\u305f\u3002\u7c73\u56fd\u306b\u304a\u3051\u308b\u6c7a\u6e08\u91cf\u306e\u4f38\u3073\u306f\u3001\u7b2c 4 \u56db\u534a\u671f\u304b\u3089\u7b2c 1 \u56db\u534a\u671f\u306b\u304b\u3051\u3066\u7d04 80 \u30d9\u30fc\u30b7\u30b9 \u30dd\u30a4\u30f3\u30c8\u6e1b\u5c11\u3057\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u3001\u305d\u306e\u6e1b\u901f\u306e\u4e3b\u306a\u539f\u56e0\u306f\u3044\u304f\u3064\u304b\u3042\u308a\u307e\u3059\u3002 1 \u3064\u306f\u652f\u51fa\u65e5\u306e\u7d44\u307f\u5408\u308f\u305b\u3067\u3059\u304c\u300110 \u6708\u304c\u7a4f\u3084\u304b\u3060\u3063\u305f\u3053\u3068\u3068\u3001\u79c1\u305f\u3061\u304c\u8a71\u3057\u3066\u3044\u308b Reg II \u306b\u3088\u308b\u3055\u3055\u3084\u304b\u306a\u5f71\u97ff\u306a\u3069\u3001\u3044\u304f\u3064\u304b\u306e\u5c0f\u3055\u306a\u3053\u3068\u3082\u3042\u308a\u307e\u3057\u305f\u3002<\/p>\n

\u305d\u308c\u3067\u3001\u3044\u304f\u3064\u304b\u306e\u3053\u3068\u3002 10 \u6708\u4ee5\u964d\u3001\u30eb\u30fc\u30c6\u30a3\u30f3\u30b0\u3055\u308c\u308b\u30dc\u30ea\u30e5\u30fc\u30e0\u306b\u610f\u5473\u306e\u3042\u308b\u5909\u66f4\u306f\u5b9f\u969b\u306b\u306f\u898b\u3089\u308c\u306a\u3044\u3053\u3068\u306b\u6ce8\u610f\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002 \u3064\u307e\u308a\u3001\u5168\u4f53\u3068\u3057\u3066\u3001\u5f71\u97ff\u306f\u63a7\u3048\u3081\u3067\u3001\u5b9f\u969b\u306b\u306f\u904e\u53bb\u56db\u534a\u671f\u306b\u308f\u305f\u3063\u3066\u5909\u5316\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5b9f\u969b\u3001\u305d\u308c\u304c\u79c1\u305f\u3061\u304c\u898b\u901a\u3057\u3067\u60f3\u5b9a\u3057\u3066\u3044\u305f\u3082\u306e\u3067\u3042\u308a\u3001\u4eca\u5e74\u306e\u6b8b\u308a\u306e\u671f\u9593\u306b\u3064\u3044\u3066\u3082\u5171\u6709\u3057\u307e\u3057\u305f\u3002 \u3055\u3066\u3001\u4e00\u5ea6\u9650\u308a\u306e\u30a2\u30a4\u30c6\u30e0\u306b\u95a2\u3059\u308b\u3054\u8cea\u554f\u306e 2 \u756a\u76ee\u306e\u90e8\u5206\u3067\u3059\u304c\u3001\u7c73\u56fd\u306e Reg II \u3068\u9045\u3044 10 \u6708\u306b\u3064\u3044\u3066\u5c11\u3057\u304a\u8a71\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u4e00\u6642\u7684\u306a\u30a2\u30a4\u30c6\u30e0\u306b\u3064\u3044\u3066\u8a71\u3057\u305f\u3082\u3046 1 \u3064\u306e\u5834\u6240\u306f\u3001\u65b0\u3057\u3044\u30d5\u30ed\u30fc \u30d3\u30b8\u30cd\u30b9\u3067\u3059\u3002 \u5148\u307b\u3069\u3082\u8ff0\u3079\u305f\u3088\u3046\u306b\u3001\u53ce\u76ca\u306e\u4f38\u3073\u306b\u306f\u3044\u304f\u3064\u304b\u306e\u5f71\u97ff\u304c\u3042\u308a\u307e\u3057\u305f\u3002 1 \u3064\u76ee\u306f\u3001\u65c5\u884c\u306b\u304a\u3051\u308b\u56fd\u5883\u3092\u8d8a\u3048\u305f\u6b63\u5e38\u5316\u306b\u3064\u3044\u3066\u304a\u8a71\u3057\u307e\u3057\u305f\u3002 \u6b21\u306b\u3001\u3053\u308c\u3089\u306e 1 \u56de\u9650\u308a\u306e\u9805\u76ee\u304c\u3042\u308a\u3001\u305d\u306e\u4e00\u4f8b\u3092\u793a\u3057\u307e\u3059\u3002<\/p>\n

\u901a\u5e38\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u904e\u7a0b\u3067\u306f\u3001\u5831\u544a\u3055\u308c\u305f\u6307\u6a19\u306b\u57fa\u3065\u3044\u3066\u3001\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3068\u30ea\u30d9\u30fc\u30c8\u3092\u5b9a\u671f\u7684\u306b\u8abf\u6574\u307e\u305f\u306f\u8abf\u6574\u3057\u3066\u3044\u307e\u3059\u3002 \u305d\u3057\u3066\u7b2c 1 \u56db\u534a\u671f\u3067\u306f\u3001\u3053\u308c\u3089\u306e\u8abf\u6574\u306b\u3088\u308b\u6700\u7d42\u7684\u306a\u5f71\u97ff\u306f\u3001\u901a\u5e38\u306e\u56db\u534a\u671f\u3088\u308a\u3082\u5927\u304d\u304f\u306a\u308a\u307e\u3057\u305f\u3002 \u3057\u304b\u3057\u5168\u4f53\u7684\u306b\u898b\u3066\u3001\u305d\u308c\u306f\u79c1\u305f\u3061\u306b\u61f8\u5ff5\u3092\u4e0e\u3048\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002 \u6839\u5e95\u306b\u3042\u308b\u30d3\u30b8\u30cd\u30b9\u306e\u57fa\u76e4\u306f\u5f15\u304d\u7d9a\u304d\u5065\u5168\u3067\u3059\u3002<\/p>\n

\u3053\u308c\u306f\u3001\u65b0\u898f\u30d5\u30ed\u30fc\u53ce\u76ca\u306e\u901a\u671f\u6210\u9577\u7387\u304c\u5f15\u304d\u7d9a\u304d\u6d88\u8cbb\u8005\u53ce\u76ca\u3092\u4e0a\u56de\u308b\u3068\u3044\u3046\u5f53\u793e\u306e\u4e88\u60f3\u306b\u5909\u308f\u308a\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

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

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

\u6b21\u306e\u8cea\u554f\u306f\u3001KBW \u306e Sanjay Sakhrani \u304b\u3089\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30b5\u30f3\u30b8\u30a7\u30a4\u30fb\u30b5\u30af\u30e9\u30cb — \u30ad\u30fc\u30d5\u3001\u30d6\u30ea\u30e5\u30a4\u30a8\u30c3\u30c8\u3001\u30a6\u30c3\u30ba — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3002 \u3053\u3093\u3070\u3093\u306f\u3002 \u5e74\u521d\u6765\u306e\u53d6\u5f15\u91cf\u306e\u6e1b\u5c11\u3068\u60aa\u5929\u5019\u306b\u3064\u3044\u3066\u306e\u8cea\u554f\u3060\u3068\u601d\u3044\u307e\u3059\u3002 \u305d\u308c\u3092\u8d85\u3048\u308b\u67d4\u3089\u304b\u3055\u304c\u3042\u308b\u304b\u3069\u3046\u304b\u306b\u8208\u5473\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u305d\u3057\u3066\u304a\u305d\u3089\u304f\u3001\u5929\u6c17\u304c\u826f\u304f\u306a\u3063\u305f\u3053\u3068\u3067\u652f\u51fa\u304c\u518d\u3073\u52a0\u901f\u3059\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u304b? \u3042\u308b\u3044\u306f\u3001\u305d\u308c\u306b\u3064\u3044\u3066\u5c11\u3057\u8a71\u3057\u3066\u3082\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002 \u3042\u308a\u304c\u3068\u3046\u3002<\/p>\n

Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

\u3046\u3093\u3002 \u3042\u308a\u304c\u3068\u3046\u3001\u30b5\u30f3\u30b8\u30a7\u30a4\u3002 \u306f\u3044\u30011 \u6708\u306e\u7b2c 1 \u9031\u306b\u6210\u9577\u304c\u920d\u5316\u3057\u305f\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3057\u305f\u3002 \u79c1\u305f\u3061\u304c\u305d\u308c\u3092\u8a73\u3057\u304f\u8abf\u3079\u305f\u3068\u3053\u308d\u3001\u305d\u308c\u306f\u7c73\u56fd\u306e\u591a\u304f\u306e\u5730\u57df\u3092\u8972\u3063\u3066\u3044\u308b\u6975\u5ea6\u306e\u5bd2\u6ce2\u3068\u76f4\u63a5\u76f8\u95a2\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u5206\u304b\u308a\u307e\u3057\u305f\u3002<\/p>\n

\u3044\u304f\u3064\u304b\u306e\u4f8b\u3092\u793a\u3057\u307e\u3059\u3002 \u30ab\u30f3\u30b6\u30b9\u30b7\u30c6\u30a3\u306b\u4f4f\u3080\u4eba\u306a\u3089\u8ab0\u3067\u3082\u3053\u306e\u3053\u3068\u3092\u77e5\u3063\u3066\u3044\u307e\u3059\u3002 12\u6708\u6700\u7d42\u9031\u306b\u306f45\u5ea6\u3060\u3063\u305f\u306e\u304c\u30011\u6708\u6700\u521d\u306e\u6570\u9031\u9593\u306b\u306f\u30de\u30a4\u30ca\u30b910\u5ea6\u306b\u306a\u308a\u307e\u3057\u305f\u3002 \u305d\u306e\u305f\u3081\u3001\u5916\u51fa\u3059\u308b\u4eba\u306f\u8ab0\u3082\u3044\u306a\u304f\u306a\u308a\u3001\u30ab\u30f3\u30b6\u30b9\u30b7\u30c6\u30a3\u306e\u6210\u9577\u7387\u306f\u4e00\u6841\u534a\u3070\u306e\u6210\u9577\u304b\u3089\u4e00\u6841\u534a\u3070\u306e\u6e1b\u5c11\u306b\u8ee2\u3058\u307e\u3057\u305f\u3002<\/p>\n

\u5225\u306e\u4f8b\u3092\u6319\u3052\u308b\u3068\u3001\u30b5\u30f3\u30c7\u30a3\u30a8\u30b4\u3067\u306f\u5e78\u904b\u306b\u3082\u6c17\u6e29 60 \u5ea6\u3067\u30011 \u6708\u307e\u3067\u5b89\u5b9a\u3057\u305f 1 \u6841\u534a\u3070\u306e\u8ca9\u58f2\u91cf\u306e\u5897\u52a0\u304c\u898b\u3089\u308c\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u304a\u305d\u3089\u304f\u3001\u79c1\u305f\u3061\u304c\u898b\u305f\u5909\u52d5\u3092\u5f37\u8abf\u3059\u308b 3 \u756a\u76ee\u306e\u4f8b\u3067\u3059\u3002\u30c0\u30e9\u30b9\u3067\u306f\u30011 \u6708\u306e\u6700\u521d\u306e 2 \u9031\u9593\u306f 60 \u5ea6\u8fd1\u304f\u3067\u3057\u305f\u304c\u30013 \u9031\u76ee\u306b\u306f 20 \u5ea6\u672a\u6e80\u306b\u4e0b\u304c\u308a\u307e\u3057\u305f\u3002\u305d\u3057\u3066\u3001\u79c1\u305f\u3061\u306e\u30ab\u30fc\u30c9\u3067\u3082\u307e\u3063\u305f\u304f\u540c\u3058\u30d1\u30bf\u30fc\u30f3\u304c\u7d9a\u304d\u307e\u3057\u305f\u3002 -\u305d\u306e\u7b2c 3 \u9031\u306e\u73fe\u5728\u306e\u30dc\u30ea\u30e5\u30fc\u30e0\u3002 \u8cea\u554f\u306e 2 \u756a\u76ee\u306e\u90e8\u5206\u3067\u3059\u304c\u3001\u826f\u3044\u30cb\u30e5\u30fc\u30b9\u306f\u3001\u3053\u306e\u7a2e\u306e\u6c17\u8c61\u95a2\u9023\u306e\u30d1\u30bf\u30fc\u30f3\u304c\u4ee5\u524d\u306b\u3082\u898b\u3089\u308c\u305f\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002 \u305d\u308c\u3089\u306f\u77ed\u3044\u30d6\u30ea\u30c3\u30d7\u3067\u3042\u308b\u50be\u5411\u304c\u3042\u308a\u3001\u56db\u534a\u671f\u306e\u7d4c\u904e\u3068\u3068\u3082\u306b\u5e73\u6ed1\u5316\u3055\u308c\u308b\u50be\u5411\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

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

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

\u6b21\u306e\u8cea\u554f\u306f\u3001Autonomous Research \u306e Ken Suchoski \u6c0f\u304b\u3089\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

Ken Suchoski — \u81ea\u5f8b\u8abf\u67fb — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3053\u3093\u306b\u3061\u306f\u3002 \u8cea\u554f\u306b\u3054\u5354\u529b\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002 EPS\u306e\u6210\u9577\u898b\u901a\u3057\u306b\u3064\u3044\u3066\u805e\u304d\u305f\u304b\u3063\u305f\u306e\u3067\u3059\u3002 \u7b2c 2 \u56db\u534a\u671f\u306b\u306f 10 \uff05\u53f0\u5f8c\u534a\u306e EPS \u6210\u9577\u3092\u76ee\u6307\u3057\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u304c\u3001\u3053\u308c\u306f\u682a\u5f0f\u6570\u304c\u524d\u56db\u534a\u671f\u6bd4\u3067 1 \u6841\u534a\u3070\u306e\u6e1b\u5c11\u3092\u610f\u5473\u3057\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

\u3057\u304b\u3057\u3001\u79c1\u306f\u305d\u308c\u304c 10 \uff05\u53f0\u524d\u534a\u306e\u6210\u9577\u306b\u5c0e\u3044\u3066\u3044\u308b\u901a\u5e74\u306e EPS \u6210\u9577\u7387\u306b\u53cd\u6620\u3055\u308c\u306a\u3044\u7406\u7531\u3092\u7406\u89e3\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u3067\u3059\u3002 \u3067\u3059\u304b\u3089\u3001\u3042\u306a\u305f\u304c\u305d\u308c\u3092\u8abf\u6574\u3059\u308b\u306e\u3092\u624b\u4f1d\u3063\u3066\u304f\u308c\u308c\u3070\u3001\u305d\u308c\u306f\u7d20\u6674\u3089\u3057\u3044\u3053\u3068\u3067\u3059\u3002 \u304a\u305d\u3089\u304f\u3001\u79c1\u305f\u3061\u304c\u8003\u616e\u3057\u3066\u3044\u306a\u3044\u7a0e\u91d1\u3084\u7279\u5b9a\u306e\u55b6\u696d\u5229\u76ca\u306e\u5f71\u97ff\u304c\u4e0b\u534a\u671f\u306b\u767a\u751f\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n

Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

\u3046\u3093\u3002 \u3053\u308c\u306fQ2\u306b\u7279\u6709\u306e\u3082\u306e\u3067\u3059\u3002 \u96fb\u8a71\u306e\u969b\u306b\u304a\u8a71\u3057\u3057\u305f\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u7c73\u56fd\u5916\u3067\u89e3\u6c7a\u3055\u308c\u305f\u3044\u304f\u3064\u304b\u306e\u7a0e\u52d9\u554f\u984c\u306b\u3088\u308a\u3001\u7b2c 2 \u56db\u534a\u671f\u306e\u7a0e\u7387\u306f 16% \u53f0\u306b\u5f15\u304d\u4e0b\u3052\u3089\u308c\u307e\u3057\u305f\u3002 \u3053\u308c\u3068\u540c\u3058\u3053\u3068\u304c NOI \u30e9\u30a4\u30f3\u306b\u5f71\u97ff\u3092\u53ca\u307c\u3057\u3001\u7279\u306b\u7b2c 2 \u56db\u534a\u671f\u306e EPS \u306e 10 \uff05\u53f0\u5f8c\u534a\u306e\u6210\u9577\u7387\u306b\u3082\u8ca2\u732e\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u901a\u5e74\u3067\u306f\u7a0e\u7387\u306f\u5909\u308f\u308a\u307e\u305b\u3093\u3002 EPS\u6210\u9577\u306b\u95a2\u3059\u308b\u3053\u308c\u307e\u3067\u306e\u898b\u901a\u3057\u3092\u5909\u66f4\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

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

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

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30d0\u30fc\u30f3\u30b9\u30bf\u30a4\u30f3\u6c0f\u3068\u30cf\u30fc\u30b7\u30bf\u30fb\u30e9\u30ef\u30c3\u30c8\u6c0f\u304b\u3089\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30cf\u30eb\u30b7\u30bf\u30fb\u30e9\u30ef\u30c3\u30c8 — \u30a2\u30e9\u30a4\u30a2\u30f3\u30b9\u30fb\u30d0\u30fc\u30f3\u30b9\u30bf\u30a4\u30f3 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u30b5\u30fc\u30d3\u30b9\u306e\u30d5\u30a9\u30ed\u30fc\u3092\u3057\u3066\u3044\u304d\u305f\u3044\u3002 \u3053\u308c\u3089\u304c\u8cb4\u793e\u306e\u53ce\u76ca\u6210\u9577\u306b\u3068\u3063\u3066\u307e\u3059\u307e\u3059\u91cd\u8981\u6027\u3092\u5897\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u8003\u3048\u308b\u3068\u3001\u8cb4\u793e\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u3001DPS\u3001\u30b5\u30a4\u30d0\u30fc\u30bd\u30fc\u30b9\u3001\u30ea\u30b9\u30af\u306a\u3069\u306e\u69cb\u6210\u306b\u95a2\u3059\u308b\u6d1e\u5bdf\u3068\u5b9a\u91cf\u5316\u3092\u6559\u3048\u3066\u3044\u305f\u3060\u3051\u307e\u3059\u304b? \u307e\u305f\u3001\u30a2\u30bf\u30c3\u30c1\u7387\u3001\u51e6\u7406\u306e\u666e\u53ca\u7387\u3001\u5730\u7406\u7684\u62e1\u5927\u306a\u3069\u306e\u6210\u9577\u8981\u56e0\u306b\u3064\u3044\u3066\u3082\u8a73\u3057\u304f\u8aac\u660e\u3059\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002 \u30ab\u30fc\u30c9\u306e\u30dc\u30ea\u30e5\u30fc\u30e0\u5168\u4f53\u306e\u30b5\u30fc\u30d3\u30b9\u3088\u308a\u3082\u307b\u307c 2 \u500d\u306e\u901f\u3055\u3067\u6210\u9577\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u3053\u3053\u3067\u306f\u660e\u78ba\u306a\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u63d0\u4f9b\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002 \u3042\u308a\u304c\u3068\u3046\u3002<\/p>\n

\u30e9\u30a4\u30a2\u30f3\u30fb\u30de\u30ad\u30ca\u30cb\u30fc — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u306f\u3044\u3001\u3042\u308a\u304c\u3068\u3046\u3002 \u5148\u307b\u3069\u3082\u8a00\u3044\u307e\u3057\u305f\u304c\u3001\u3053\u306e\u6226\u7565\u306f\u3059\u3079\u3066\u306e\u30b7\u30ea\u30f3\u30c0\u30fc\u3067\u5b9f\u969b\u306b\u70b9\u706b\u3055\u308c\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002 \u79c1\u305f\u3061\u306e\u5b9f\u884c\u306f\u3059\u3079\u3066\u306e\u30b7\u30ea\u30f3\u30c0\u30fc\u3067\u70b9\u706b\u3055\u308c\u3066\u3044\u307e\u3059\u3002 \u9867\u5ba2\u306e\u9700\u8981\u306f\u4f9d\u7136\u3068\u3057\u3066\u5f37\u3044\u3002<\/p>\n

\u304a\u3063\u3057\u3083\u308b\u3068\u304a\u308a\u3001TAM\u306f\u5927\u304d\u3044\u3067\u3059\u3002 \u6628\u5e74\u3001\u5f53\u793e\u306f\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u4e8b\u696d\u3067\u7d04 70 \u5104\u30c9\u30eb\u306e\u53ce\u76ca\u3092\u4e0a\u3052\u307e\u3057\u305f\u3002 \u3053\u306e\u56db\u534a\u671f\u306e\u58f2\u4e0a\u9ad8\u306f 20 \u5104\u30c9\u30eb\u5f37\u3001\u6052\u5e38\u30c9\u30eb\u30d9\u30fc\u30b9\u3067 20% \u5897\u52a0\u3057\u305f\u3068\u8ff0\u3079\u305f\u3068\u601d\u3044\u307e\u3059\u3002 \u7d20\u6674\u3089\u3057\u3044\u7d50\u679c\u3067\u3059\u306d\u3002<\/p>\n

\u3054\u8cea\u554f\u306e\u5185\u5bb9\u3092\u5c11\u3057\u8a73\u3057\u304f\u8aac\u660e\u3059\u308b\u3068\u3001\u5f53\u793e\u306f\u3053\u308c\u3089\u306e\u4e8b\u696d\u3092\u30bb\u30b0\u30e1\u30f3\u30c8\u3054\u3068\u306b\u904b\u55b6\u3057\u3066\u3044\u307e\u3059\u3002 \u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u63d0\u4f9b\u306b\u304a\u3044\u3066\u3001\u5f53\u793e\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u88fd\u54c1\u306f\u4e16\u754c\u4e2d\u3067\u5927\u304d\u306a\u6210\u529f\u3092\u53ce\u3081\u3066\u3044\u307e\u3059\u3002 DPS \u306f\u5f15\u304d\u7d9a\u304d\u7c73\u56fd\u306e\u9867\u5ba2\u306b\u5927\u304d\u306a\u6210\u529f\u3092\u53ce\u3081\u3066\u3044\u307e\u3059\u3002\u79c1\u304c\u7528\u610f\u3057\u305f\u6328\u62f6\u306e\u4e2d\u3067\u3001\u30d0\u30f3\u30af\u30fb\u30aa\u30d6\u30fb\u30a2\u30e1\u30ea\u30ab\u3068\u5951\u7d04\u3092\u66f4\u65b0\u3057\u305f\u3068\u8ff0\u3079\u307e\u3057\u305f\u3002 \u3054\u60f3\u50cf\u306e\u3068\u304a\u308a\u3001\u3053\u308c\u306f DPS \u306e\u6700\u5927\u306e\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e 1 \u3064\u3067\u3042\u308a\u3001\u7d20\u6674\u3089\u3057\u3044\u30d1\u30fc\u30c8\u30ca\u30fc\u3067\u3042\u308a\u3001\u524d\u8ff0\u3057\u305f\u4ed6\u306e\u591a\u304f\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u3067\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n

\u30a2\u30af\u30bb\u30d7\u30bf\u30f3\u30b9 \u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3 \u30d3\u30b8\u30cd\u30b9\u306b\u304a\u3044\u3066\u3001CyberSource \u306f\u30aa\u30e0\u30cb\u30c1\u30e3\u30cd\u30eb \u30b5\u30fc\u30d3\u30b9\u3068\u30c8\u30fc\u30af\u30f3\u7ba1\u7406\u30b5\u30fc\u30d3\u30b9\u306a\u3069\u306e\u4ed8\u52a0\u4fa1\u5024\u30b5\u30fc\u30d3\u30b9\u306e\u4e21\u65b9\u3067\u4e16\u754c\u4e2d\u3067\u5927\u304d\u306a\u6210\u529f\u3092\u53ce\u3081\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002 ServiceNow \u306b\u95a2\u3059\u308b\u524d\u8ff0\u306e\u5185\u5bb9\u3092\u8d85\u3048\u305f\u5f53\u793e\u306e\u7d1b\u4e89\u30d3\u30b8\u30cd\u30b9\u306f\u5927\u304d\u306a\u6210\u529f\u3092\u53ce\u3081\u3066\u3044\u307e\u3059\u3002 Verifi \u306f\u3001\u7279\u306b\u7c73\u56fd\u5916\u3078\u306e\u62e1\u5927\u306b\u4f34\u3044\u3001\u3042\u3089\u3086\u308b\u5206\u91ce\u3067\u6d3b\u8e8d\u3057\u3066\u3044\u307e\u3059\u3002\u5f53\u793e\u306e\u30ea\u30b9\u30af\u304a\u3088\u3073\u30a2\u30a4\u30c7\u30f3\u30c6\u30a3\u30c6\u30a3 \u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3 \u30d3\u30b8\u30cd\u30b9\u306f\u3001\u9ad8\u5ea6\u306a\u8a8d\u8a3c\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3001Visa \u30ea\u30b9\u30af \u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u3001Visa Secure\u3001\u3055\u307e\u3056\u307e\u306a\u88fd\u54c1\u3059\u3079\u3066\u306b\u304a\u3044\u3066\u3001\u975e\u5e38\u306b\u56de\u5fa9\u529b\u304c\u3042\u308a\u3001\u9ad8\u3044\u6210\u9577\u3092\u9042\u3052\u3066\u3044\u308b\u3053\u3068\u304c\u5b9f\u969b\u306b\u8a3c\u660e\u3055\u308c\u3066\u3044\u307e\u3059\u3002 \u79c1\u305f\u3061\u304c\u5e02\u5834\u306b\u9001\u308a\u51fa\u3057\u3066\u304d\u305f\u3082\u306e\u3002 \u305d\u3057\u3066\u3001\u5f53\u793e\u306e\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u30b5\u30fc\u30d3\u30b9\u306f\u5f15\u304d\u7d9a\u304d\u597d\u8abf\u3092\u7dad\u6301\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u6e96\u5099\u3057\u305f\u6328\u62f6\u306e\u4e2d\u3067\u3001\u3044\u304f\u3064\u304b\u306e\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e\u52dd\u5229\u306b\u3064\u3044\u3066\u89e6\u308c\u307e\u3057\u305f\u304c\u3001\u3053\u308c\u306f\u3001Visa \u5f93\u696d\u54e1\u306e\u30c1\u30fc\u30e0\u3092\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306b\u7d44\u307f\u8fbc\u307f\u3001\u30af\u30e9\u30a4\u30a2\u30f3\u30c8 \u30d1\u30fc\u30c8\u30ca\u30fc\u3068\u65e5\u3005\u80a9\u3092\u4e26\u3079\u3066\u53d6\u308a\u7d44\u3093\u3067\u3044\u308b\u30de\u30cd\u30fc\u30b8\u30c9 \u30b5\u30fc\u30d3\u30b9 \u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u306e\u6210\u529f\u3067\u3059\u3002 \u6bce\u9031\u3001\u6bce\u6708\u3001\u6bce\u6708\u7d99\u7d9a\u3057\u3066\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u63a8\u9032\u3092\u652f\u63f4\u3057\u307e\u3059\u3002 \u3064\u307e\u308a\u3001\u305d\u308c\u304c\u53ce\u76ca\u306e\u5897\u52a0\u3092\u4fc3\u9032\u3057\u307e\u3059\u3002 \u305d\u308c\u306b\u3088\u308a\u53ce\u76ca\u304c\u591a\u69d8\u5316\u3057\u307e\u3059\u3002 \u3057\u304b\u3057\u3001\u305d\u308c\u3088\u308a\u3082\u91cd\u8981\u306a\u3053\u3068\u306f\u3001\u79c1\u305f\u3061\u304c\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u3068\u4e00\u4f53\u3068\u306a\u308a\u3001\u5f7c\u3089\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u6210\u9577\u3092\u652f\u63f4\u3059\u308b\u3053\u3068\u3067\u3001\u79c1\u305f\u3061\u306e\u4e2d\u6838\u4e8b\u696d\u3092\u3088\u308a\u5b89\u5b9a\u3057\u305f\u3082\u306e\u306b\u3059\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u306f\u3044\u3001\u305d\u308c\u306f\u5b9f\u884c\u3067\u3042\u308a\u3001\u88fd\u54c1\u30d1\u30a4\u30d7\u30e9\u30a4\u30f3\u3067\u3042\u308a\u3001\u7d0d\u54c1\u3067\u3042\u308a\u3001\u305d\u306e\u7d50\u679c\u306b\u3064\u3044\u3066\u306f\u975e\u5e38\u306b\u6e80\u8db3\u3057\u3066\u3044\u307e\u3059\u3002 \u3054\u8cea\u554f\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

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

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

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30c9\u30a4\u30c4\u9280\u884c\u306e\u30d6\u30e9\u30a4\u30a2\u30f3\u30fb\u30ad\u30fc\u30f3\u6c0f\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30d6\u30e9\u30a4\u30a2\u30f3\u30fb\u30ad\u30fc\u30f3 — \u30c9\u30a4\u30c4\u9280\u884c — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

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Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

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\u6b21\u306e\u8cea\u554f\u306f\u3001Truist Securities \u306e Andrew Jeffrey \u6c0f\u304b\u3089\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

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\u30b8\u30a7\u30fc\u30e0\u30ba\u30fb\u30d5\u30a9\u30fc\u30bb\u30c3\u30c8 — \u30e2\u30eb\u30ac\u30f3\u30fb\u30b9\u30bf\u30f3\u30ec\u30fc — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3002 \u56fd\u5883\u3092\u8d8a\u3048\u305f\u65c5\u884c\u91cf\u306e\u5897\u52a0\u306b\u3064\u3044\u3066\u89e6\u308c\u305f\u3044\u3068\u601d\u3044\u307e\u3057\u305f\u3002 1\u6708\u306b\u306f\u7d0425\uff05\u304b\u3089\u304a\u305d\u3089\u304f16\uff5e17\uff05\u306b\u6e1b\u901f\u3057\u305f\u3088\u3046\u3060\u3002 \u305d\u3057\u3066\u300124 \u5e74\u5ea6\u306e\u524d\u63d0\u3092\u6982\u8aac\u3057\u3066\u3044\u305f\u3068\u304d\u300120% \u524d\u534a\u306b\u306a\u308b\u3060\u308d\u3046\u3068\u8003\u3048\u3066\u3044\u307e\u3057\u305f\u304c\u30012019 \u5e74\u3068\u6bd4\u8f03\u3057\u3066 4 \uff5e 5 \u30d1\u30fc\u30bb\u30f3\u30c8\u30dd\u30a4\u30f3\u30c8\u306e\u6539\u5584\u304c\u898b\u3089\u308c\u307e\u3059\u3002<\/p>\n

\u305d\u308c\u3092\u4eca\u5f8c\u306e\u524d\u63d0\u3068\u3057\u3066\u3069\u3046\u8003\u3048\u3066\u3044\u3051\u3070\u3044\u3044\u306e\u304b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002 \u3042\u306e20\u4ee3\u524d\u534a\u306b\u623b\u308b\u3068\u601d\u3044\u307e\u3059\u304b\uff1f \u305d\u308c\u3068\u3082\u30011 \u6708\u306b\u898b\u305f\u72b6\u6cc1\u306b\u8fd1\u3044\u307b\u3046\u304c\u7406\u306b\u304b\u306a\u3063\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u304b? \u3053\u308c\u306f\u3001\u5c11\u306a\u304f\u3068\u3082\u3042\u308b\u7a0b\u5ea6\u306e\u898b\u901a\u3057\u304c\u5fc5\u8981\u306a\u9818\u57df\u3067\u3042\u308b\u3053\u3068\u306f\u627f\u77e5\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u305d\u306e\u30b3\u30f3\u30dd\u30fc\u30cd\u30f3\u30c8\u306b\u3064\u3044\u3066\u3069\u3053\u3092\u8003\u3048\u308b\u3079\u304d\u304b\u3092\u628a\u63e1\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

\u306f\u3044\u3002 \u7d20\u6674\u3089\u3057\u3044\u3002 \u3042\u308a\u304c\u3068\u3046\u3001\u30b8\u30a7\u30fc\u30e0\u30b9\u3002 \u7b2c 1 \u56db\u534a\u671f\u306f\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30d3\u30b8\u30cd\u30b9\u306e\u5e74\u3092\u958b\u59cb\u3059\u308b\u306b\u3042\u305f\u308a\u3001\u975e\u5e38\u306b\u826f\u3044\u56db\u534a\u671f\u3068\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n

\u304a\u3063\u3057\u3083\u308b\u3068\u304a\u308a\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u53d6\u5f15\u9ad8\u306f 16% \u5897\u52a0\u3057\u307e\u3057\u305f\u3002 \u79c1\u305f\u3061\u306f\u305d\u308c\u3092\u3068\u3066\u3082\u5b09\u3057\u304f\u601d\u3063\u3066\u3044\u307e\u3059\u3002 \u3053\u308c\u3089\u3092\u30af\u30ea\u30c3\u30af\u3059\u308b\u3068\u3001e-com \u306f 10 \uff05\u53f0\u524d\u534a\u3067\u6210\u9577\u3057\u3001\u65c5\u884c\u306f 19% \u6210\u9577\u3057\u3001\u6307\u6570\u306f 139% \u304b\u3089 142% \u306b\u4e0a\u6607\u3057\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u3001\u79c1\u305f\u3061\u304c 20 \uff05\u53f0\u524d\u534a\u306b\u63d0\u4f9b\u3057\u305f\u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u95a2\u3057\u3066\u3001\u3042\u306a\u305f\u304c\u8a00\u3063\u305f\u3053\u3068\u3092 1 \u3064\u3060\u3051\u660e\u78ba\u306b\u3057\u3066\u304a\u304d\u307e\u3059\u3002\u305d\u308c\u306f\u3001\u305d\u306e\u3046\u3061\u306e 19% \u304b\u307b\u307c 20% \u3068\u306a\u3063\u305f\u65c5\u884c\u90e8\u5206\u306b\u95a2\u9023\u3057\u305f\u3082\u306e\u3067\u3057\u305f\u3002 \u79c1\u305f\u3061\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u306e\u5730\u57df\u5225\u306e\u69cb\u6210\u3092\u7406\u89e3\u3059\u308b\u3068\u304d\u3001\u5c11\u3057\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308b\u90e8\u5206\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u5730\u57df\u3054\u3068\u306b\u898b\u308b\u3053\u3068\u304c\u5f79\u7acb\u3064\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n

LAC\u3001CEMEA\u3001\u30e8\u30fc\u30ed\u30c3\u30d1\u3001\u7c73\u56fd\u306e\u30a2\u30a6\u30c8\u30d0\u30a6\u30f3\u30c9\u3067\u306f\u30012019 \u5e74\u306e\u30ec\u30d9\u30eb\u3068\u6bd4\u8f03\u3057\u3066 145% \uff5e 170% \u306e\u597d\u6210\u7e3e\u3092\u53ce\u3081\u307e\u3057\u305f\u3002 \u7b2c\u4e8c\u306b\u3001\u7c73\u56fd\u306e\u30a4\u30f3\u30d0\u30a6\u30f3\u30c9\u306f\u3001\u7b2c 4 \u56db\u534a\u671f\u307e\u3067 2019 \u5e74\u306b\u9045\u308c\u3092\u3068\u3063\u3066\u3044\u305f\u304c\u3001\u7b2c 1 \u56db\u534a\u671f\u3082\u5f15\u304d\u7d9a\u304d\u6539\u5584\u3057\u3001\u5f53\u793e\u306e\u4e88\u60f3\u3068\u4e00\u81f4\u3057\u305f\u3002 AP \u3067\u306f\u3001AP \u5185\u5916\u3067\u306e\u62e1\u5927\u304c\u7d99\u7d9a\u7684\u306b\u898b\u3089\u308c\u307e\u3057\u305f\u304c\u3001\u7b2c 4 \u56db\u534a\u671f\u3088\u308a\u3082\u82e5\u5e72\u6e1b\u901f\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3068\u65e5\u672c\u306b\u7279\u6709\u306e\u3082\u306e\u3067\u3057\u305f\u3002 \u305d\u3057\u3066\u3001\u305d\u308c\u306f\u304a\u305d\u3089\u304f\u8a00\u53ca\u3059\u308b\u4fa1\u5024\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u3001\u5fc5\u305a\u3057\u3082\u5927\u304d\u306a\u6570\u5b57\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u4e2d\u6771\u3067\u306e\u6226\u4e89\u306f\u56fd\u5883\u3092\u8d8a\u3048\u305f\u6570\u5b57\u306b\u3082\u3042\u308b\u7a0b\u5ea6\u306e\u5f71\u97ff\u3092\u4e0e\u3048\u307e\u3057\u305f\u3002 \u3057\u304b\u3057\u3001\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u79c1\u305f\u3061\u306f\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30d3\u30b8\u30cd\u30b9\u5168\u4f53\u306b\u3064\u3044\u3066\u975e\u5e38\u306b\u6e80\u8db3\u3057\u3066\u3044\u307e\u3059\u3002 \u7b2c 1 \u56db\u534a\u671f\u306e\u7d50\u679c\u306f 16% \u6210\u9577\u3068\u597d\u8abf\u3067\u3057\u305f\u3002 \u65c5\u884c\u3068 e-com \u306e\u4e21\u65b9\u304c\u5065\u5168\u306b\u6210\u9577\u3057\u307e\u3059\u3002<\/p>\n

\u305d\u3057\u3066\u3001\u4eca\u5e74\u306e\u6b8b\u308a\u306e\u898b\u901a\u3057\u306b\u3064\u3044\u3066\u306f\u826f\u3044\u611f\u89e6\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

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

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

\u6b21\u306e\u8cea\u554f\u306f\u3001\u30b7\u30c6\u30a3\u306e\u30a2\u30b7\u30e5\u30a6\u30a3\u30f3\u30fb\u30b7\u30eb\u30d0\u30a4\u30ab\u30fc\u6c0f\u304b\u3089\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30a2\u30b7\u30e5\u30a6\u30a3\u30f3\u30fb\u30b7\u30eb\u30d0\u30a4\u30ab\u30fc\u30eb — \u30b7\u30c6\u30a3 — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u3084\u3042\u3001\u30e9\u30a4\u30a2\u30f3\u3002 \u79c1\u306f\u3001\u7b2c 1 \u56db\u534a\u671f\u306e\u7d50\u679c (\u4e00\u6841\u53f0\u5f8c\u534a) \u3092\u8e0f\u307e\u3048\u3066\u300124 \u5e74\u5ea6\u4e0b\u534a\u671f\u306e\u4e88\u60f3\u307e\u305f\u306f\u6697\u9ed9\u306e\u4e88\u60f3\u3092\u6398\u308a\u4e0b\u3052\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002 \u7b2c 2 \u56db\u534a\u671f\u306e\u6210\u9577\u7387\u306f 1 \u6841\u534a\u3070\u304b\u3089\u5f8c\u534a\u306b\u306a\u308b\u3068\u4e88\u60f3\u3055\u308c\u3066\u304a\u308a\u3001\u52a0\u901f\u304c\u793a\u5506\u3055\u308c\u3066\u3044\u307e\u3059\u3002 \u305d\u3057\u3066\u554f\u984c\u306f\u3001\u4f55\u304c\u305d\u308c\u3092\u52d5\u304b\u3059\u306e\u304b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002 \u3042\u308a\u304c\u3068\u3046\u3002<\/p>\n

Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

\u3046\u3093\u3002 \u3042\u308a\u304c\u3068\u3046\u3002 \u305d\u308c\u3092 2 \u3064\u306e\u8cea\u554f\u306b\u5206\u3051\u3066\u8aac\u660e\u3057\u307e\u3059\u30021 \u3064\u306f\u53ce\u76ca\u30ac\u30a4\u30c9\u306b\u3064\u3044\u3066\u3069\u3046\u601d\u3046\u304b\u3068\u304a\u3063\u3057\u3083\u3044\u307e\u3057\u305f\u304c\u30012 \u756a\u76ee\u306e\u8cea\u554f\u306f\u30c9\u30e9\u30a4\u30d0\u30fc\u306b\u95a2\u3059\u308b\u3053\u3068\u3092\u793a\u5506\u3057\u3066\u3044\u308b\u3068\u601d\u3044\u307e\u3059\u3002 \u5f7c\u3089\u306f\u5c11\u3057\u9055\u3046\u306e\u3067\u3001\u305d\u308c\u3089\u306b\u3064\u3044\u3066\u8a71\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n

\u305d\u3057\u3066\u304a\u305d\u3089\u304f\u3001\u6700\u521d\u306b\u30c9\u30e9\u30a4\u30d0\u30fc\u306b\u95a2\u3059\u308b 2 \u756a\u76ee\u306e\u90e8\u5206\u304b\u3089\u59cb\u3081\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002 \u4f1a\u8a08\u5e74\u5ea6\u304c\u59cb\u307e\u3063\u3066 4 \u5206\u306e 1 \u304c\u7d42\u308f\u308a\u307e\u3057\u305f\u3002 \u5805\u5b9f\u306a\u56db\u534a\u671f\u3067\u3042\u308a\u3001\u7b2c 4 \u56db\u534a\u671f\u304b\u3089\u306e\u50be\u5411\u306f\u5b89\u5b9a\u3057\u3066\u3044\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u91cd\u8981\u306a\u306e\u306f\u3001\u6d88\u8cbb\u8005\u304c\u56de\u5fa9\u529b\u3092\u7dad\u6301\u3057\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u4eca\u5e74\u306e\u6b8b\u308a\u306e\u671f\u9593\u306b\u76ee\u3092\u5411\u3051\u308b\u3068\u3001\u30c9\u30e9\u30a4\u30d0\u30fc\u306f 2 \u3064\u306e\u7406\u7531\u304b\u3089\u3001\u4eca\u5e74\u4e0b\u534a\u671f\u3082\u82e5\u5e72\u306e\u5897\u52a0\u3092\u7d9a\u3051\u308b\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u30021 \u3064\u306f\u3001\u7279\u306b\u30012018 \u5e74\u306f\u30c1\u30b1\u30c3\u30c8\u6570\u304c\u6e1b\u5c11\u3059\u308b\u305f\u3081\u3001\u5e73\u5747\u30c1\u30b1\u30c3\u30c8\u6570\u306f\u6539\u5584\u3059\u308b\u306f\u305a\u3067\u3059\u3002 \u7c73\u56fd\u3067\u306f\u6628\u5e74\u4e0b\u534a\u671f\u304c\u7d42\u308f\u308a\u3001\u4e00\u90e8\u306e\u56fd\u969b\u5730\u57df\u3067\u306f\u30a4\u30f3\u30d5\u30ec\u304c\u7d9a\u3044\u3066\u3044\u308b\u3053\u3068\u304c\u898b\u3089\u308c\u307e\u3059\u3002 \u7b2c\u4e8c\u306b\u3001\u5f53\u793e\u306f\u30b0\u30ed\u30fc\u30d0\u30eb\u5e02\u5834\u3067\u306e\u6210\u9577\u30a4\u30cb\u30b7\u30a2\u30c1\u30d6\u3092\u5b9f\u884c\u3057\u7d9a\u3051\u3066\u3044\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u4ee5\u524d\u306b\u9032\u6357\u72b6\u6cc1\u3092\u5171\u6709\u3057\u305f LAC \u3067\u898b\u3089\u308c\u305f\u51e6\u7406\u306e\u52dd\u5229\u306a\u3069\u3067\u3059\u3002 \u3064\u307e\u308a\u3001\u305d\u308c\u304c\u6839\u672c\u7684\u306a\u8981\u56e0\u306e\u3088\u3046\u306a\u3082\u306e\u3067\u3059\u3002 \u305d\u3057\u3066\u3001\u6700\u521d\u306e\u8cea\u554f\u306f\u5b9f\u969b\u306b\u306f\u53ce\u5165\u306b\u95a2\u3059\u308b\u3082\u306e\u3067\u3057\u305f\u3002 \u4eca\u5e74\u306f\u5805\u5b9f\u306a\u30b9\u30bf\u30fc\u30c8\u3092\u5207\u308a\u3001\u7b2c 1 \u56db\u534a\u671f\u306f\u975e\u5e38\u306b\u826f\u597d\u3067\u3001\u7b2c 4 \u56db\u534a\u671f\u306e\u50be\u5411\u3082\u5b89\u5b9a\u3057\u3066\u3044\u307e\u3057\u305f\u3002<\/p>\n

\u672c\u65e5\u3001\u5f53\u793e\u306f\u56fa\u5b9a\u30c9\u30eb\u30d9\u30fc\u30b9\u306e\u7d14\u53ce\u76ca\u306b\u95a2\u3059\u308b\u901a\u5e74\u306e\u30ac\u30a4\u30c9\u3092\u518d\u78ba\u8a8d\u3057\u307e\u3057\u305f\u3002\u3053\u308c\u306b\u306f\u3001\u5148\u307b\u3069\u304a\u8a71\u3057\u3057\u305f Reg II \u306e\u308f\u305a\u304b\u306a\u5f71\u97ff\u3082\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002 \u3057\u305f\u304c\u3063\u3066\u3001\u7b2c 1 \u56db\u534a\u671f\u306b\u95a2\u3057\u3066\u306f\u826f\u3044\u611f\u89e6\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002 \u4eca\u5e74\u306e\u6b8b\u308a\u306e\u898b\u901a\u3057\u306b\u3064\u3044\u3066\u306f\u6e80\u8db3\u3057\u3066\u304a\u308a\u3001\u5f15\u304d\u7d9a\u304d\u5b9f\u884c\u306b\u6ce8\u529b\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

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

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

\u6b21\u306e\u8cea\u554f\u306f\u3001UBS \u306e Timothy Chiodo \u6c0f\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30c6\u30a3\u30e2\u30b7\u30fc\u30fb\u30c1\u30aa\u30c9 — UBS — \u30a2\u30ca\u30ea\u30b9\u30c8<\/p>\n

\u8cea\u554f\u3092\u53d7\u3051\u3066\u3044\u305f\u3060\u304d\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002 Pismo\u306b\u3064\u3044\u3066\u3082\u3046\u5c11\u3057\u6398\u308a\u4e0b\u3052\u3066\u307f\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002 \u3053\u306e\u30a6\u30a7\u30d6\u30b5\u30a4\u30c8\u3067\u306f\u3001\u5927\u624b\u9280\u884c\u3001\u30de\u30fc\u30b1\u30c3\u30c8\u30d7\u30ec\u30a4\u30b9\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306b\u3064\u3044\u3066\u8aac\u660e\u3057\u3066\u3044\u307e\u3059\u3002 \u5148\u307b\u3069\u3001\u30ec\u30ac\u30b7\u30fc \u30b7\u30b9\u30c6\u30e0\u304b\u3089\u3088\u308a\u6700\u65b0\u306e\u30b3\u30a2\u3078\u306e\u79fb\u884c\u306b\u3064\u3044\u3066\u8a00\u53ca\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u9280\u884c\u306e\u898f\u6a21\u306b\u95a2\u3059\u308b\u91ce\u5fc3\u3068\u53ef\u80fd\u6027\u306b\u3064\u3044\u3066\u5c11\u3057\u304a\u8a71\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002 \u307e\u305f\u3001\u3053\u308c\u3089\u306e\u30b3\u30a2\u306e\u5909\u63db\u306f\u3001\u65b0\u88fd\u54c1\u3084\u30b5\u30a4\u30c9\u30ab\u30fc \u30b3\u30a2\u306e\u3088\u3046\u306a\u3082\u306e\u3067\u3057\u3087\u3046\u304b? \u305d\u308c\u3068\u3082\u3001\u7c73\u56fd\u306e\u4e2d\u6838\u7684\u306a\u767a\u884c\u9867\u5ba2\u3067\u3042\u308b\u4e2d\u5805\u9280\u884c\u304c\u3001\u5c06\u6765\u7684\u306b\u5f93\u6765\u306e\u30b3\u30a2\u3092 Pismo \u304c\u63d0\u4f9b\u3059\u308b\u3082\u306e\u306b\u79fb\u884c\u3059\u308b\u53ef\u80fd\u6027\u306b\u3064\u3044\u3066\u8a71\u3057\u3066\u3044\u308b\u306e\u3067\u3057\u3087\u3046\u304b?<\/p>\n

\u30e9\u30a4\u30a2\u30f3\u30fb\u30de\u30ad\u30ca\u30cb\u30fc — \u6700\u9ad8\u7d4c\u55b6\u8cac\u4efb\u8005<\/p>\n

\u305d\u308c\u3067\u306f\u3001\u4e00\u6b69\u4e0b\u304c\u3063\u3066\u3001\u3069\u306e\u3088\u3046\u306b\u3057\u3066 Pismo \u3092\u898b\u3064\u3051\u305f\u306e\u304b\u306b\u3064\u3044\u3066\u5c11\u3057\u8a71\u3057\u3066\u304b\u3089\u3001\u30c6\u30a3\u30e2\u30b7\u30fc\u3001\u3042\u306a\u305f\u306e\u8cea\u554f\u306b\u76f4\u63a5\u7b54\u3048\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002 \u79c1\u306f\u6e96\u5099\u3057\u305f\u767a\u8a00\u306e\u4e2d\u3067\u3001\u7c73\u56fd\u3092\u306f\u3058\u3081\u3068\u3059\u308b\u4e16\u754c\u4e2d\u306e\u9280\u884c\u3001\u4e2d\u5805\u9280\u884c\u3001\u5927\u624b\u9280\u884c\u306e CEO \u304b\u3089\u805e\u3044\u3066\u304d\u305f\u3053\u308c\u3089\u306e\u7269\u8a9e\u3068\u512a\u5148\u4e8b\u9805\u306b\u3064\u3044\u3066\u89e6\u308c\u307e\u3057\u305f\u3002 \u5f93\u6765\u306e\u6280\u8853\u30b9\u30bf\u30c3\u30af\u304b\u3089\u30af\u30e9\u30a6\u30c9\u3078\u306e\u79fb\u884c\u3092\u8a66\u307f\u3066\u3044\u307e\u3059\u3002 2 \u3064\u76ee\u306f\u3001\u7279\u306b\u652f\u63f4\u3057\u3066\u304f\u308c\u308b\u767a\u884c\u8005\u30d7\u30ed\u30bb\u30c3\u30b5\u30fc\u306e\u9078\u629e\u80a2\u304c\u5341\u5206\u306b\u306a\u3044\u65b0\u8208\u5e02\u5834\u3067\u306e\u62e1\u5927\u3092\u671b\u3093\u3067\u3044\u308b\u3053\u3068\u3067\u3059\u3002 \u305d\u306e\u305f\u3081\u3001\u79c1\u305f\u3061\u306f\u305d\u306e\u8a71\u3092\u4f55\u5ea6\u3082\u4f55\u5ea6\u3082\u805e\u304d\u3001\u898b\u3064\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u6700\u9ad8\u306e\u30af\u30e9\u30a6\u30c9\u30d9\u30fc\u30b9\u306e\u30d7\u30ed\u30bb\u30c3\u30b5\u30fc\u3068\u30b3\u30a2\u30d0\u30f3\u30af\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u4e16\u754c\u4e2d\u3067\u63a2\u3057\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u305d\u308c\u304c\u79c1\u305f\u3061\u3092\u30d4\u30ba\u30e2\u306b\u5c0e\u304d\u307e\u3057\u305f\u3002<\/p>\n

\u3057\u305f\u304c\u3063\u3066\u3001Pismo \u306f\u30d6\u30e9\u30b8\u30eb\u306b\u62e0\u70b9\u3092\u7f6e\u3044\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u30b0\u30ed\u30fc\u30d0\u30eb\u3067\u3059\u3002 \u73fe\u5728\u306e\u5f7c\u3089\u306e\u9867\u5ba2\u306b\u306f\u3001\u4e16\u754c\u6700\u5927\u898f\u6a21\u3067\u6700\u3082\u6d17\u7df4\u3055\u308c\u305f\u9280\u884c\u3060\u3051\u3067\u306a\u304f\u3001\u4e2d\u898f\u6a21\u306e\u9280\u884c\u3084\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3082\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002 \u305d\u306e\u305f\u3081\u3001\u73fe\u5728\u3067\u306f\u3059\u3067\u306b\u3055\u307e\u3056\u307e\u306a\u30bf\u30a4\u30d7\u306e\u9867\u5ba2\u304c\u6df7\u5728\u3057\u3066\u3044\u307e\u3059\u3002 \u305d\u3057\u3066\u3001\u79c1\u305f\u3061\u306e\u91ce\u5fc3\u3001\u79c1\u305f\u3061\u306e\u91ce\u5fc3\u306f\u3001\u79c1\u304c\u6e96\u5099\u3057\u305f\u6328\u62f6\u3067\u8ff0\u3079\u305f\u3082\u306e\u3067\u3042\u308a\u3001\u3053\u308c\u304c\u4e16\u754c\u4e2d\u306e\u9280\u884c\u304b\u3089\u9078\u3070\u308c\u308b\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306b\u306a\u308b\u3053\u3068\u3092\u671b\u3093\u3067\u3044\u307e\u3059\u3002<\/p>\n

\u7c73\u56fd\u306e\u4e2d\u5805\u9280\u884c\u306e\u30b3\u30a2\u30d0\u30f3\u30ad\u30f3\u30b0\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u3064\u3044\u3066\u5177\u4f53\u7684\u306b\u8cea\u554f\u3055\u308c\u307e\u3057\u305f\u304c\u3001\u7c21\u5358\u306b\u8a00\u3046\u3068\u300c\u7d76\u5bfe\u300d\u3067\u3059\u3002 \u5927\u624b\u9280\u884c\u3068\u305d\u306e\u767a\u884c\u4f1a\u793e\u306e\u51e6\u7406\u80fd\u529b\u306b\u3064\u3044\u3066\u8003\u3048\u308b\u3068\u3001\u4eca\u65e5\u7c73\u56fd\u3067\u884c\u308f\u308c\u3066\u3044\u308b\u30c7\u30d3\u30c3\u30c8\u3060\u3051\u3067\u306a\u304f\u3001\u30c7\u30d3\u30c3\u30c8\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u3001\u30d7\u30ea\u30da\u30a4\u30c9\u3001\u5546\u696d\u306a\u3069\u3001\u7c73\u56fd\u3060\u3051\u3067\u306a\u304f\u4e16\u754c\u4e2d\u3067\u306e\u51e6\u7406\u80fd\u529b\u306b\u3064\u3044\u3066\u8003\u3048\u308b\u3068\u3001Pismo \u306f\u7d76\u5bfe\u306b\u6b21\u306e\u3088\u3046\u306a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3067\u3042\u308b\u3068\u8003\u3048\u3089\u308c\u307e\u3059\u3002 \u79c1\u305f\u3061\u306e\u767a\u884c\u8005\u306f\u4e16\u754c\u4e2d\u3067\u4f7f\u7528\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002 \u306f\u3044\u3001\u305d\u308c\u306f\u30b0\u30ed\u30fc\u30d0\u30eb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u3059\u3002 \u79c1\u305f\u3061\u306f\u4e16\u754c\u7684\u306a\u91ce\u5fc3\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u79c1\u305f\u3061\u304c\u6301\u3064\u95a2\u4fc2\u3001\u7c73\u56fd\u304a\u3088\u3073\u4e16\u754c\u4e2d\u306e\u5927\u5c0f\u3092\u554f\u308f\u305a\u9280\u884c\u3068\u306e\u7279\u6a29\u7684\u306a\u95a2\u4fc2\u3092\u8003\u3048\u308b\u3068\u3001\u79c1\u305f\u3061\u306f\u5f7c\u3089\u306b\u88fd\u54c1\u3092\u914d\u5e03\u3067\u304d\u308b\u3053\u3068\u306b\u6e80\u8db3\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

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

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

\u6700\u5f8c\u306e\u8cea\u554f\u306f\u3001\u30d0\u30f3\u30af\u30fb\u30aa\u30d6\u30fb\u30a2\u30e1\u30ea\u30ab\u306e\u30b8\u30a7\u30a4\u30bd\u30f3\u30fb\u30af\u30d5\u30a1\u30fc\u30d0\u30fc\u30b0\u6c0f\u304b\u3089\u3067\u3059\u3002 \u56de\u7dda\u304c\u958b\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n

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

\u3042\u308a\u304c\u3068\u3046\u3002 \u4eca\u5e74\u306e\u51e6\u7406\u91cf\u3068\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u306e\u5897\u52a0\u304c 2 \u6841\u53f0\u524d\u534a\u3068\u3044\u3046\u6c34\u6e96\u306b\u307e\u3060\u6e80\u8db3\u3057\u3066\u3044\u308b\u304b\u3069\u3046\u304b\u3092\u805e\u304d\u305f\u304b\u3063\u305f\u3060\u3051\u3067\u3059\u3002 \u3069\u3061\u3089\u3082 1 \u6841\u53f0\u5f8c\u534a\u3067\u59cb\u307e\u308a\u30011 \u6708\u306b\u306f\u5c11\u3057\u305a\u3064\u4f4e\u4e0b\u3057\u3066\u3044\u3063\u305f\u3053\u3068\u306f\u77e5\u3063\u3066\u3044\u307e\u3059\u3002 \u307e\u305f\u300124 \u5e74\u5ea6\u306e\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6 \u30ac\u30a4\u30c0\u30f3\u30b9\u306b\u95a2\u3057\u3066\u8003\u3048\u306b\u5909\u5316\u306f\u3042\u308a\u307e\u3059\u304b? \u79c1\u305f\u3061\u306f 2023 \u4f1a\u8a08\u5e74\u5ea6\u3088\u308a\u3082\u82e5\u5e72\u30c9\u30eb\u306e\u4f38\u3073\u304c\u5c11\u306a\u3044\u3053\u3068\u3092\u671f\u5f85\u3057\u3066\u3044\u305f\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u7b2c 1 \u56db\u534a\u671f\u306f\u4e88\u60f3\u3088\u308a\u3082\u82e5\u5e72\u826f\u3044\u7d50\u679c\u3092\u51fa\u3057\u307e\u3057\u305f\u3002<\/p>\n

\u3042\u308a\u304c\u3068\u3046\u3002<\/p>\n

Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

\u3046\u3093\u3002 \u3042\u308a\u304c\u3068\u3046\u3001\u30b8\u30a7\u30a4\u30bd\u30f3\u3002 \u30c9\u30e9\u30a4\u30d0\u30fc\u306b\u95a2\u3059\u308b\u3044\u304f\u3064\u304b\u306e\u8cea\u554f\u306b\u306f\u7b54\u3048\u305f\u3068\u601d\u3044\u307e\u3059\u304c\u3001\u6982\u8981\u30ec\u30d9\u30eb\u3067\u7c21\u5358\u306b\u307e\u3068\u3081\u3066\u304a\u304d\u307e\u3059\u3002 \u79c1\u305f\u3061\u306f\u30c9\u30e9\u30a4\u30d0\u30fc\u306b\u95a2\u3059\u308b\u901a\u5e74\u306e\u898b\u901a\u3057\u3092\u518d\u78ba\u8a8d\u3057\u3066\u304a\u308a\u3001\u4e0b\u534a\u671f\u306f\u7c73\u56fd\u306e\u5e73\u5747\u822a\u7a7a\u5238\u30b5\u30a4\u30ba\u3068\u7279\u5b9a\u306e\u56fd\u969b\u5730\u57df\u306e\u30a4\u30f3\u30d5\u30ec\u306e\u6069\u6075\u3092\u53d7\u3051\u3001\u4e16\u754c\u5e02\u5834\u3067\u306e\u6570\u591a\u304f\u306e\u6210\u9577\u30a4\u30cb\u30b7\u30a2\u30c6\u30a3\u30d6\u306e\u5b9f\u884c\u3092\u7d99\u7d9a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

LAC \u3067\u306e\u52dd\u5229\u306e\u51e6\u7406\u306f\u3001\u5148\u307b\u3069\u4f7f\u7528\u3057\u305f\u4f8b\u3067\u3059\u3002 \u30c9\u30e9\u30a4\u30d0\u30fc\u306b\u95a2\u3059\u308b\u30ac\u30a4\u30c9\u306e\u518d\u78ba\u8a8d\u306b\u3064\u3044\u3066\u306e\u6700\u521d\u306e\u8cea\u554f\u306f\u305d\u306e\u3068\u304a\u308a\u3067\u3059\u3002 \u305d\u308c\u304b\u3089\u3001\u7533\u3057\u8a33\u3042\u308a\u307e\u305b\u3093\u304c\u30012 \u756a\u76ee\u306e\u8cea\u554f\u3092\u3082\u3046\u4e00\u5ea6\u7e70\u308a\u8fd4\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n

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

\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u30ac\u30a4\u30c9\u306b\u8f09\u3063\u3066\u308b\u3060\u3051\u3002<\/p>\n

Chris Suh — \u6700\u9ad8\u8ca1\u52d9\u8cac\u4efb\u8005<\/p>\n

\u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u3001\u306f\u3044\u3002 \u30a4\u30f3\u30bb\u30f3\u30c6\u30a3\u30d6\u306b\u95a2\u3057\u3066\u3082\u3001\u901a\u5e74\u306e\u898b\u901a\u3057\u306b\u5909\u66f4\u306f\u3042\u308a\u307e\u305b\u3093\u3002 \u3054\u5b58\u77e5\u306e\u3068\u304a\u308a\u3001\u5f53\u793e\u306f\u7d14\u53ce\u76ca\u306e\u6210\u9577\u306b\u5408\u308f\u305b\u3066\u30d3\u30b8\u30cd\u30b9\u3092\u7ba1\u7406\u3057\u3066\u3044\u307e\u3059\u3002 \u305d\u3053\u306b\u79c1\u305f\u3061\u306f\u7126\u70b9\u3092\u5f53\u3066\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u305d\u308c\u306b\u95a2\u3057\u3066\u901a\u671f\u304a\u3088\u3073\u7b2c2\u56db\u534a\u671f\u306e\u30ac\u30a4\u30c0\u30f3\u30b9\u3092\u66f4\u65b0\u3057\u307e\u3057\u305f\u3002 \u305d\u3057\u3066\u3001\u5148\u307b\u3069\u3082\u8a00\u3063\u305f\u3088\u3046\u306b\u3001\u79c1\u305f\u3061\u306f\u5b9f\u884c\u306b\u6ce8\u529b\u3057\u7d9a\u3051\u307e\u3059\u3002<\/p>\n

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

\u3042\u308a\u304c\u3068\u3046\u3001\u30af\u30ea\u30b9\u3002<\/p>\n

\u30b8\u30a7\u30cb\u30d5\u30a1\u30fc\u30fb\u30b3\u30e2 — \u4e0a\u7d1a\u526f\u793e\u9577\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u62c5\u5f53\u8cac\u4efb\u8005<\/p>\n

\u7d20\u6674\u3089\u3057\u3044\u3002 \u305d\u308c\u3067\u306f\u3001\u672c\u65e5\u306f\u3054\u53c2\u52a0\u3044\u305f\u3060\u304d\u307e\u3057\u3066\u8aa0\u306b\u3042\u308a\u304c\u3068\u3046\u3054\u3056\u3044\u307e\u3059\u3002 \u3055\u3089\u306b\u3054\u8cea\u554f\u304c\u3054\u3056\u3044\u307e\u3057\u305f\u3089\u3001\u304a\u6c17\u8efd\u306b\u5f53\u793e\u306e\u6295\u8cc7\u5bb6\u5411\u3051\u5e83\u5831\u30c1\u30fc\u30e0\u307e\u3067\u304a\u96fb\u8a71\u307e\u305f\u306f\u96fb\u5b50\u30e1\u30fc\u30eb\u3067\u304a\u554f\u3044\u5408\u308f\u305b\u304f\u3060\u3055\u3044\u3002 \u6539\u3081\u3066\u611f\u8b1d\u3057\u307e\u3059\u3002\u7d20\u6674\u3089\u3057\u3044\u4e00\u65e5\u3092\u304a\u904e\u3054\u3057\u304f\u3060\u3055\u3044\u3002<\/p>\n

 <\/p>\n

\u4ee5\u4e0a\u3067\u3059\u3002\u4ed6\u306e\u7ffb\u8a33\u5e0c\u671b\u3084\u3054\u611f\u60f3\u3092\u3044\u305f\u3060\u3051\u308b\u3068\u5b09\u3057\u3044\u3067\u3059\u3002<\/p>\n

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

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

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

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

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

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

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

\u30d3\u30b6 (V)2024 \u5e74\u7b2c 1 \u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002 \u826f\u3044\u6c7a\u7b97\u3067\u3059\u304c\u682a\u4fa1\u306f\u3042\u307e\u308a\u4e0a\u304c\u3089\u306a\u304b\u3063\u305f\u3067\u3059\u304c\u58f2\u4e0a\u30fbEPS\u5171\u306b\u4e0a\u6607\u3057\u3066\u304a\u308a\u3053\u30531\u5e74\u306f\u682a\u4fa1\u3082\u5805\u8abf\u3067\u3059\u306d\u3002 \u5185\u5bb9\u3092\u898b\u308b\u3068\u666f\u6c17\u306f\u60aa\u304f\u306a\u3044\u611f\u3058\u306a\u306e\u3067\u307e\u3060\u307e\u3060\u30a2\u30e1\u30ea … <\/p>\n","protected":false},"author":1,"featured_media":2692,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[72],"tags":[517,247,248,105,83],"class_list":["post-2689","post","type-post","status-publish","format-standard","has-post-thumbnail","category-72","tag-v","tag-visa","tag-248","tag-105","tag-83"],"yoast_head":"\n\u30d3\u30b6 (V)2024 \u5e74\u7b2c 1 \u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a – \u682a\u5f0f\u6295\u8cc7\u30921up\u3059\u308b\u30d6\u30ed\u30b0<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/1up-life.blog\/?p=2689\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u30d3\u30b6 (V)2024 \u5e74\u7b2c 1 \u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a – \u682a\u5f0f\u6295\u8cc7\u30921up\u3059\u308b\u30d6\u30ed\u30b0\" \/>\n<meta property=\"og:description\" content=\"\u30d3\u30b6 (V)2024 \u5e74\u7b2c 1 \u56db\u534a\u671f\u6c7a\u7b97\u8aac\u660e\u4f1a\u306e\u65e5\u672c\u8a9e\u8a33\u3067\u3059\u3002 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property=\"og:image:height\" content=\"225\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"\u3059\u3051\u307d\u3093\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u57f7\u7b46\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u3059\u3051\u307d\u3093\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u63a8\u5b9a\u8aad\u307f\u53d6\u308a\u6642\u9593\" \/>\n\t<meta name=\"twitter:data2\" content=\"69\u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/1up-life.blog\\\/?p=2689#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/1up-life.blog\\\/?p=2689\"},\"author\":{\"name\":\"\u3059\u3051\u307d\u3093\",\"@id\":\"https:\\\/\\\/1up-life.blog\\\/#\\\/schema\\\/person\\\/1706c8f6d05b86f64e59045d776dc7b9\"},\"headline\":\"\u30d3\u30b6 (V)2024 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