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***** \u8abf\u67fb\u30ec\u30dd\u30fc\u30c8\u306e\u6982\u8981 *****
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\nE\u30b3\u30de\u30fc\u30b9\u30b5\u30a4\u30c8\u3001\u30e2\u30d0\u30a4\u30eb\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\u3001IoT\u30c7\u30d0\u30a4\u30b9\u306a\u3069\u306e\u975e\u91d1\u878d\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u6c7a\u6e08\u3092\u7d71\u5408\u3059\u308b\u3053\u3068\u3067\u3001\u30e6\u30fc\u30b6\u30fc\u30a8\u30af\u30b9\u30da\u30ea\u30a8\u30f3\u30b9\u3092\u5411\u4e0a\u3055\u305b\u3001\u53d6\u5f15\u306e\u30cf\u30fc\u30c9\u30eb\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u305f\u3081\u3001\u7d44\u307f\u8fbc\u307f\u578b\u6c7a\u6e08\u304c\u4e16\u754c\u306e\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\u3092\u652f\u914d\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u3053\u306e\u3088\u3046\u306a\u7d71\u5408\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u7a7a\u9593\u5185\u3067\u306e\u8fc5\u901f\u304b\u3064\u5b89\u5168\u306a\u53d6\u5f15\u5b8c\u4e86\u3092\u53ef\u80fd\u306b\u3059\u308b\u305f\u3081\u3001\u3055\u307e\u3056\u307e\u306a\u696d\u754c\u3067\u9ad8\u307e\u308b\u30c7\u30b8\u30bf\u30eb\u5316\u3068\u3044\u3046\u30c6\u30fc\u30de\u306b\u5408\u81f4\u3057\u3066\u3044\u307e\u3059\u3002\u6d88\u8cbb\u8005\u306f\u3001\u5373\u6642\u304b\u3064\u5b89\u5168\u306b\u6c7a\u6e08\u3092\u5b9f\u884c\u3067\u304d\u308b\u3053\u3068\u3092\u5f37\u304f\u671b\u3093\u3067\u3044\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u30e1\u30ea\u30c3\u30c8\u306f\u3001\u7d44\u307f\u8fbc\u307f\u578b\u6c7a\u6e08\u306b\u3088\u3063\u3066\u63d0\u4f9b\u3055\u308c\u3001\u3042\u3089\u3086\u308b\u898f\u6a21\u306e\u4f01\u696d\u306b\u3068\u3063\u3066\u62e1\u5f35\u6027\u304c\u9ad8\u3044\u3068\u3044\u3046\u5229\u70b9\u3082\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u5206\u6790\u304b\u3089\u3001\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\u3067\u306f\u3001\u7d71\u5408\u6027\u3068\u6a5f\u80fd\u6027\u3092\u91cd\u8996\u3059\u308b\u30d3\u30b8\u30cd\u30b9\u304c\u62e1\u5927\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u7d44\u307f\u8fbc\u307f\u578b\u6c7a\u6e08\u304c\u4e88\u6e2c\u671f\u9593\u4e2d\u6700\u5927\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\u3067\u3042\u308a\u7d9a\u3051\u308b\u3053\u3068\u306f\u660e\u3089\u304b\u3067\u3059\u3002<\/p>\n

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\n\u2013 \u5f79\u8077\u5225 C\u30ec\u30d9\u30eb\uff1a38%\u3001D\u30ec\u30d9\u30eb\uff1a30%\u3001\u305d\u306e\u4ed6\uff1a22%
\n\u2013 \u5730\u57df\u5225 \u5317\u7c7340%\u3001\u6b27\u5dde15%\u3001\u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u5730\u57df35%\u3001\u305d\u306e\u4ed6\u5730\u57df10%<\/p>\n

\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u4e3b\u8981\u30d7\u30ec\u30fc\u30e4\u30fc\u306f\u3001Stripe, Inc.\uff08\u7c73\u56fd\uff09\u3001PayPal Holdings, Inc.\uff08\u7c73\u56fdStripe, Inc. \uff08\u7c73\u56fd\uff09\u3001PayPal Holdings, Inc. \uff08\u7c73\u56fd\uff09\u3001Amazon.com, Inc. \uff08\u7c73\u56fd\uff09\u3001Plaid, Inc. \uff08\u7c73\u56fd\uff09\u3001Klarna Bank AB \uff08\u30b9\u30a6\u30a7\u30fc\u30c7\u30f3\uff09\u3001FIS \uff08\u7c73\u56fd\uff09\u3001Visa Inc. \uff08\u7c73\u56fd\uff09\u3001Cross River Bank \uff08\u7c73\u56fd\uff09\u3001Zeta Services Inc. \uff08\u7c73\u56fd\uff09\u3001Marqeta, Inc. \uff08\u7c73\u56fd\uff09\u3001Wise Payments Limited \uff08\u82f1\u56fd\uff09\u3001Goldman Sachs \uff08\u82f1\u56fd\uff09\u3001JPMorgan Chase & Co. \uff08\u7c73\u56fd\uff09\u3001Alipay+ \uff08\u4e2d\u56fd\uff09\u3001Unit Finance Inc.\uff08\u7c73\u56fd\uff09\u3001Solaris SE\uff08\u30c9\u30a4\u30c4\uff09\u3001Parafin, Inc.\uff08\u7c73\u56fd\uff09\u3001Belvo\uff08\u30e1\u30ad\u30b7\u30b3\uff09\u3001Kasko Ltd.\uff08\u82f1\u56fd\uff09\u3001Tint Technologies Inc.\uff08\u7c73\u56fd\uff09\u3001Mezu, Inc. \uff08\u7c73\u56fd\uff09\u3001Fortis Payment Systems \uff08\u7c73\u56fd\uff09\u3001Additiv AG \uff08\u30b9\u30a4\u30b9\uff09\u3001Galileo Financial Technologies, LLC \uff08\u7c73\u56fd\uff09\u3001Trevipay \uff08\u7c73\u56fd\uff09\u306a\u3069\u3067\u3059\u3002\u3053\u308c\u3089\u306e\u4f01\u696d\u306f\u3001\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u8db3\u8de1\u3092\u62e1\u5927\u3059\u308b\u305f\u3081\u306b\u3001\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3001\u5951\u7d04\u3001\u63d0\u643a\u3001\u65b0\u88fd\u54c1\u306e\u767a\u58f2\u3001\u6a5f\u80fd\u5f37\u5316\u3001\u8cb7\u53ce\u306a\u3069\u3001\u3055\u307e\u3056\u307e\u306a\u6210\u9577\u6226\u7565\u3092\u63a1\u7528\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u8abf\u67fb\u7bc4\u56f2
\n\u3053\u306e\u8abf\u67fb\u30ec\u30dd\u30fc\u30c8\u306f\u3001\u3055\u307e\u3056\u307e\u306a\u30bb\u30b0\u30e1\u30f3\u30c8\u306b\u308f\u305f\u308b\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u898f\u6a21\u3092\u30ab\u30d0\u30fc\u3057\u3066\u3044\u307e\u3059\u3002\u30bf\u30a4\u30d7\uff08\u7d44\u307f\u8fbc\u307f\u578b\u6c7a\u6e08\u3001\u7d44\u307f\u8fbc\u307f\u578b\u878d\u8cc7\u3001\u7d44\u307f\u8fbc\u307f\u578b\u4fdd\u967a\u3001\u7d44\u307f\u8fbc\u307f\u578b\u6295\u8cc7\uff0f\u8cc7\u7523\u7ba1\u7406\u3001\u305d\u306e\u4ed6\u306e\u30bf\u30a4\u30d7\uff09\u3001\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\uff08B2B\u3001B2C\uff09\u3001\u7523\u696d\uff08\u5c0f\u58f2\uff06e\u30b3\u30de\u30fc\u30b9\u3001\u533b\u7642\u3001\u6559\u80b2\u3001\u901a\u4fe1\u3001\u904b\u8f38\uff0f\u79fb\u52d5\uff0f\u7269\u6d41\u3001\u65c5\u884c\uff06\u30db\u30b9\u30d4\u30bf\u30ea\u30c6\u30a3\u3001\u305d\u306e\u4ed6\u306e\u7523\u696d\uff09\u3001\u5730\u57df\uff08\u5317\u7c73\u3001\u6b27\u5dde\u3001\u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u5730\u57df\u3001\u4e2d\u6771\uff06\u30a2\u30d5\u30ea\u30ab\u3001\u4e2d\u5357\u7c73\uff09\u306a\u3069\u3001\u3055\u307e\u3056\u307e\u306a\u30bb\u30b0\u30e1\u30f3\u30c8\u306b\u308f\u305f\u308b\u5e02\u5834\u898f\u6a21\u3068\u6210\u9577\u306e\u53ef\u80fd\u6027\u3092\u63a8\u5b9a\u3059\u308b\u3053\u3068\u3092\u76ee\u7684\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u8abf\u67fb\u306b\u306f\u3001\u4e3b\u8981\u5e02\u5834\u30d7\u30ec\u30a4\u30e4\u30fc\u306e\u8a73\u7d30\u306a\u7af6\u5408\u5206\u6790\u3001\u4f1a\u793e\u6982\u8981\u3001\u88fd\u54c1\u304a\u3088\u3073\u4e8b\u696d\u63d0\u4f9b\u3001\u6700\u8fd1\u306e\u958b\u767a\u3001\u5e02\u5834\u6226\u7565\u306b\u95a2\u3059\u308b\u4e3b\u306a\u898b\u89e3\u304c\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30ec\u30dd\u30fc\u30c8\u8cfc\u5165\u306e\u4e3b\u306a\u5229\u70b9
\n\u672c\u30ec\u30dd\u30fc\u30c8\u306f\u3001\u4e16\u754c\u306e\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u53ce\u76ca\u6570\u3068\u30b5\u30d6\u30bb\u30b0\u30e1\u30f3\u30c8\u306b\u95a2\u3059\u308b\u6700\u3082\u8fd1\u3044\u6982\u7b97\u5024\u306b\u95a2\u3059\u308b\u60c5\u5831\u3067\u3001\u5e02\u5834\u30ea\u30fc\u30c0\u30fc\/\u65b0\u898f\u53c2\u5165\u8005\u3092\u652f\u63f4\u3057\u307e\u3059\u3002\u672c\u30ec\u30dd\u30fc\u30c8\u306f\u3001\u5229\u5bb3\u95a2\u4fc2\u8005\u304c\u7af6\u4e89\u72b6\u6cc1\u3092\u7406\u89e3\u3057\u3001\u81ea\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u3092\u3088\u308a\u826f\u304f\u4f4d\u7f6e\u3065\u3051\u3001\u9069\u5207\u306a\u5e02\u5834\u53c2\u5165\u6226\u7565\u3092\u8a08\u753b\u3059\u308b\u305f\u3081\u306e\u3088\u308a\u591a\u304f\u306e\u6d1e\u5bdf\u3092\u5f97\u308b\u306e\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u672c\u30ec\u30dd\u30fc\u30c8\u306f\u3001\u5e02\u5834\u306e\u8108\u52d5\u3092\u7406\u89e3\u3057\u3001\u4e3b\u8981\u306a\u5e02\u5834\u4fc3\u9032\u8981\u56e0\u3001\u963b\u5bb3\u8981\u56e0\u3001\u8ab2\u984c\u3001\u6a5f\u4f1a\u306b\u95a2\u3059\u308b\u60c5\u5831\u3092\u63d0\u4f9b\u3059\u308b\u305f\u3081\u306b\u3001\u5229\u5bb3\u95a2\u4fc2\u8005\u306b\u6d1e\u5bdf\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002<\/p>\n

\u672c\u30ec\u30dd\u30fc\u30c8\u306f\u3001\u4ee5\u4e0b\u306e\u30dd\u30a4\u30f3\u30c8\u306b\u95a2\u3059\u308b\u6d1e\u5bdf\u3092\u63d0\u4f9b\u3057\u307e\u3059\uff1a
\n1. \u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u6210\u9577\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u4e3b\u306a\u4fc3\u9032\u8981\u56e0\uff08\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u30c7\u30b8\u30bf\u30eb\u5316\u3001\u5229\u4fbf\u6027\u306b\u5bfe\u3059\u308b\u6d88\u8cbb\u8005\u306e\u9700\u8981\u3001\u6280\u8853\u306e\u9032\u6b69\uff09\u3001\u963b\u5bb3\u8981\u56e0\uff08\u898f\u5236\u306e\u8907\u96d1\u3055\u3001\u30c7\u30fc\u30bf\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u306b\u95a2\u3059\u308b\u61f8\u5ff5\u3001\u9ad8\u3044\u5c0e\u5165\u30b3\u30b9\u30c8\uff09\u3001\u6a5f\u4f1a\uff08\u91d1\u878d\u5305\u6442\u3001\u9867\u5ba2\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u306e\u5f37\u5316\uff09\u3001\u8ab2\u984c\uff08\u30b5\u30a4\u30d0\u30fc\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30ea\u30b9\u30af\u3001\u76f8\u4e92\u904b\u7528\u6027\u306e\u554f\u984c\u3001\u5e02\u5834\u7af6\u4e89\uff09\u306e\u5206\u6790\u3002
\n2. \u88fd\u54c1\u958b\u767a\uff0f\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\uff1a \u7d44\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306b\u304a\u3051\u308b\u4eca\u5f8c\u306e\u6280\u8853\u3001\u7814\u7a76\u958b\u767a\u6d3b\u52d5\u3001\u65b0\u88fd\u54c1\u30fb\u65b0\u30b5\u30fc\u30d3\u30b9\u306e\u767a\u58f2\u306b\u95a2\u3059\u308b\u8a73\u7d30\u306a\u6d1e\u5bdf\u3002
\n3. \u5e02\u5834\u958b\u767a\uff1a \u6709\u5229\u306a\u5e02\u5834\u306b\u95a2\u3059\u308b\u5305\u62ec\u7684\u306a\u60c5\u5831 \u2013 \u5f53\u30ec\u30dd\u30fc\u30c8\u3067\u306f\u3001\u3055\u307e\u3056\u307e\u306a\u5730\u57df\u306e\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u3092\u5206\u6790\u3057\u3066\u3044\u307e\u3059\u3002
\n4. \u5e02\u5834\u306e\u591a\u69d8\u5316\uff1a \u65b0\u88fd\u54c1\u30fb\u30b5\u30fc\u30d3\u30b9\u3001\u672a\u958b\u62d3\u306e\u5730\u57df\u3001\u6700\u8fd1\u306e\u958b\u767a\u3001\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306b\u304a\u3051\u308b\u6295\u8cc7\u306b\u95a2\u3059\u308b\u60c5\u5831\u3092\u7db2\u7f85\u3002
\n5. \u7af6\u4e89\u529b\u306e\u8a55\u4fa1\uff1a Stripe, Inc. \uff08\u7c73\u56fd\uff09\u3001PayPal Holdings, Inc. \uff08\u7c73\u56fd\uff09\u3001Amazon.com, Inc. \uff08\u7c73\u56fd\uff09\u3001Plaid, Inc. \uff08\u7c73\u56fd\uff09\u3001Klarna Bank AB \uff08\u30b9\u30a6\u30a7\u30fc\u30c7\u30f3\uff09\u3001FIS \uff08\u7c73\u56fd\uff09\u3001Visa Inc. \uff08\u7c73\u56fd\uff09\u3001Cross River Bank \uff08\u7c73\u56fd\uff09\u3001Zeta Services Inc. \uff08\u7c73\u56fd\uff09\u3001Marqeta, Inc. \uff08\u7c73\u56fd\uff09\u3001Wise Payments Limited \uff08\u82f1\u56fd\uff09\u3001Goldman Sachs \uff08\u82f1\u56fd\uff09\u3001JPMorgan Chase & Co. \uff08\u7c73\u56fd\uff09\u3001Alipay+ \uff08\u4e2d\u56fd\uff09\u3001Unit Finance Inc.\uff08\u7c73\u56fd\uff09\u3001Solaris SE\uff08\u30c9\u30a4\u30c4\uff09\u3001Parafin, Inc.\uff08\u7c73\u56fd\uff09\u3001Belvo\uff08\u30e1\u30ad\u30b7\u30b3\uff09\u3001Kasko Ltd.\uff08\u82f1\u56fd\uff09\u3001Tint Technologies Inc.\uff08\u7c73\u56fd\uff09\u3001Mezu, Inc. \uff08\u7c73\u56fd\uff09\u3001Fortis Payment Systems \uff08\u7c73\u56fd\uff09\u3001Additiv AG \uff08\u30b9\u30a4\u30b9\uff09\u3001Galileo Financial Technologies, LLC \uff08\u7c73\u56fd\uff09\u3001Trevipay \uff08\u7c73\u56fd\uff09\u3002
\n…<\/p>\n

***** \u8abf\u67fb\u30ec\u30dd\u30fc\u30c8\u306e\u76ee\u6b21(\u4e00\u90e8\u629c\u7c8b) *****
\n1 \u306f\u3058\u3081\u306b
\n1.1 \u8abf\u67fb\u76ee\u7684 25
\n1.2 \u5e02\u5834\u306e\u5b9a\u7fa9 25
\n1.3 \u8abf\u67fb\u7bc4\u56f2 26
\n1.3.1 \u5e02\u5834\u30bb\u30b0\u30e1\u30f3\u30c6\u30fc\u30b7\u30e7\u30f3 26
\n1.3.2 \u5bfe\u8c61\u5730\u57df 26
\n1.3.3 \u5305\u542b\u3068\u9664\u5916 27
\n1.3.4 \u5bfe\u8c61\u5e74\u6570 27
\n1.4 \u5bfe\u8c61\u901a\u8ca8 28
\n1.5 \u5229\u5bb3\u95a2\u4fc2\u8005 28
\n1.6 \u666f\u6c17\u5f8c\u9000\u306e\u5f71\u97ff 28
\n2 \u8abf\u67fb\u65b9\u6cd5 29
\n2.1 \u8abf\u67fb\u30c7\u30fc\u30bf 29
\n2.1.1 \u4e8c\u6b21\u30c7\u30fc\u30bf 30
\n2.1.1.1 \u4e8c\u6b21\u8cc7\u6599\u304b\u3089\u306e\u4e3b\u8981\u30c7\u30fc\u30bf 30
\n2.1.2 \u4e00\u6b21\u30c7\u30fc\u30bf 30
\n2.1.2.1 \u4e00\u6b21\u30a4\u30f3\u30bf\u30d3\u30e5\u30fc\u306e\u5185\u8a33 31
\n2.1.2.2 \u4e3b\u8981\u4e00\u6b21\u30a4\u30f3\u30bf\u30d3\u30e5\u30fc\u53c2\u52a0\u8005 31
\n2.1.2.3 \u696d\u754c\u5c02\u9580\u5bb6\u306b\u3088\u308b\u4e3b\u306a\u6d1e\u5bdf 31
\n2.2 \u5e02\u5834\u5206\u985e\u3068\u30c7\u30fc\u30bf\u306e\u4e09\u89d2\u6e2c\u91cf 32
\n2.3 \u5e02\u5834\u898f\u6a21\u306e\u63a8\u5b9a\u65b9\u6cd5 33
\n2.3.1 \u30c8\u30c3\u30d7\u30c0\u30a6\u30f3\u30a2\u30d7\u30ed\u30fc\u30c1 33
\n2.3.1.1 \u4f9b\u7d66\u30b5\u30a4\u30c9\u5206\u6790 33
\n2.3.2 \u30dc\u30c8\u30e0\u30a2\u30c3\u30d7\u30a2\u30d7\u30ed\u30fc\u30c1 34
\n2.3.3 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\u306e\u63a8\u5b9a\uff1a\u9700\u8981\u30b5\u30a4\u30c9\u5206\u6790 34
\n2.4 \u8abf\u67fb\u306e\u524d\u63d0 35
\n2.5 \u5236\u9650\u4e8b\u9805 36
\n2.6 \u30ea\u30b9\u30af\u8a55\u4fa1 36
\n2.7 \u666f\u6c17\u5f8c\u9000\u304c\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\u306b\u4e0e\u3048\u308b\u5f71\u97ff 37
\n3 \u30a8\u30b0\u30bc\u30af\u30c6\u30a3\u30d6\u30b5\u30de\u30ea\u30fc 38
\n4 \u30d7\u30ec\u30df\u30a2\u30e0\u30a4\u30f3\u30b5\u30a4\u30c8 40
\n4.1 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\u306b\u304a\u3051\u308b\u4e3b\u8981\u30d7\u30ec\u30fc\u30e4\u30fc\u306b\u3068\u3063\u3066\u306e\u9b45\u529b\u7684\u306a\u6a5f\u4f1a 40
\n4.2 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\uff1a\u4e0a\u4f4d\u6210\u9577\u30bb\u30b0\u30e1\u30f3\u30c8 40
\n4.3 \u7d44\u8fbc\u307f\u91d1\u878d\u5e02\u5834\uff1a\u7523\u696d\u5225 41
\n4.4 \u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\uff1a\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u5225 41
\n4.5 \u7d44\u8fbc\u307f\u91d1\u878d\u5e02\u5834\uff1a\u30bf\u30a4\u30d7\u5225 42
\n4.6 \u5317\u7c73\uff1a\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\uff1a\u30bf\u30a4\u30d7\u30fb\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u5225 42
\n5 \u5e02\u5834\u6982\u8981\u3068\u696d\u754c\u52d5\u5411 43
\n5.1 \u306f\u3058\u3081\u306b 43
\n5.2 \u5e02\u5834\u30c0\u30a4\u30ca\u30df\u30af\u30b9
\n5.2.1 \u63a8\u9032\u8981\u56e0 44
\n5.2.1.1 \u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u30c7\u30b8\u30bf\u30eb\u5316 44
\n5.2.1.2 \u5229\u4fbf\u6027\u306b\u5bfe\u3059\u308b\u6d88\u8cbb\u8005\u306e\u8981\u6c42 44
\n5.2.1.3 \u6280\u8853\u306e\u9032\u6b69 44
\n5.2.2 \u963b\u5bb3\u8981\u56e0 44
\n5.2.2.1 \u898f\u5236\u306e\u8907\u96d1\u3055 44
\n5.2.2.2 \u30c7\u30fc\u30bf\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u306b\u95a2\u3059\u308b\u61f8\u5ff5 44
\n5.2.2.3 \u9ad8\u3044\u5c0e\u5165\u30b3\u30b9\u30c8 45
\n5.2.3 \u6a5f\u4f1a 45
\n5.2.3.1 \u91d1\u878d\u5305\u6442 45
\n5.2.3.2 \u9867\u5ba2\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u306e\u5f37\u5316 45
\n5.2.4 \u8ab2\u984c 45
\n5.2.4.1 \u30b5\u30a4\u30d0\u30fc\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30ea\u30b9\u30af 45
\n5.2.4.2 \u76f8\u4e92\u904b\u7528\u6027\u306e\u554f\u984c 45
\n5.2.4.3 \u5e02\u5834\u7af6\u4e89 45
\n5.3 \u696d\u754c\u52d5\u5411 46
\n5.3.1 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u306e\u6b74\u53f2 46
\n5.3.2 \u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u5206\u6790 47
\n5.3.3 \u30b1\u30fc\u30b9\u30b9\u30bf\u30c7\u30a3\u5206\u6790 49
\n5.3.3.1 \u30d6\u30c3\u30af\u30b7\u30fc\u306f\u8fc5\u901f\u306a\u652f\u6255\u3044\u3068\u30aa\u30e0\u30cb\u30c1\u30e3\u30cd\u30eb\u6c7a\u6e08\u306e\u305f\u3081\u306bStripe\u306b\u5207\u308a\u66ff\u3048 49
\n5.3.3.2 Plaid\u306b\u3088\u308a\u3001Zip\u306f\u4e0d\u53ef\u6b20\u306a\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u696d\u52d9\u3092\u81ea\u52d5\u5316\u3057\u3001\u6570\u767e\u4e07\u4eba\u306e\u9867\u5ba2\u306e\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u4f53\u9a13\u3092\u4fdd\u8b77 49
\n5.3.3.3 Shopify\u304cStripe\u3068\u5171\u306bShopify Balance\u3092\u69cb\u7bc9\u3057\u3001\u5c0f\u898f\u6a21\u4e8b\u696d\u8005\u306e\u8cc7\u91d1\u7ba1\u7406\u3092\u5bb9\u6613\u306b 50
\n5.3.3.4 Adorama\u3068PayPal\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306f\u7d75\u306b\u63cf\u3044\u305f\u3088\u3046\u306a\u6210\u529f\u306e\u8096\u50cf 50
\n5.3.4 \u30d0\u30ea\u30e5\u30fc\u30c1\u30a7\u30fc\u30f3\u5206\u6790 51
\n5.3.5 \u898f\u5236\u306e\u72b6\u6cc1 52
\n5.3.5.1 \u898f\u5236\u6a5f\u95a2\u3001\u653f\u5e9c\u6a5f\u95a2\u3001\u305d\u306e\u4ed6\u306e\u7d44\u7e54 52
\n5.3.5.1.1 \u91d1\u878d\u5b89\u5b9a\u7406\u4e8b\u4f1a\uff08FSB\uff09 52
\n5.3.5.1.2 \u6d88\u8cbb\u8005\u91d1\u878d\u4fdd\u8b77\u5c40\uff08CFPB\uff09 52
\n5.3.5.2 \u5317\u7c73 54
\n5.3.5.2.1 \u7c73\u56fd 54
\n5.3.5.2.2 \u30ab\u30ca\u30c0 54
\n5.3.5.3 \u6b27\u5dde 54<\/p>\n

5.3.5.4 \u30a2\u30b8\u30a2\u592a\u5e73\u6d0b 54
\n5.3.5.4.1 \u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2 54
\n5.3.5.4.2 \u30b7\u30f3\u30ac\u30dd\u30fc\u30eb 54
\n5.3.5.4.3 \u9999\u6e2f 54
\n5.3.5.5 \u4e2d\u6771\u30fb\u30a2\u30d5\u30ea\u30ab 55
\n5.3.5.5.1 \u30a2\u30e9\u30d6\u9996\u9577\u56fd\u9023\u90a6 55
\n5.3.5.5.2 \u5357\u30a2\u30d5\u30ea\u30ab 55
\n5.3.5.6 \u4e2d\u5357\u7c73 55
\n5.3.5.6.1 \u30d6\u30e9\u30b8\u30eb 55
\n5.3.6 \u4fa1\u683c\u5206\u6790 55
\n5.3.6.1 \u30bf\u30a4\u30d7\u5225\u306e\u6307\u6a19\u7684\u4fa1\u683c\u5206\u6790 55
\n5.3.6.2 \u5e73\u5747\u4fa1\u683c\u5206\u6790\uff08\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u5225\uff09 56
\n5.3.7 \u6280\u8853\u5206\u6790 57
\n5.3.7.1 \u4e3b\u8981\u6280\u8853 57
\n5.3.7.1.1 \u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\u30fb\u30d7\u30ed\u30b0\u30e9\u30df\u30f3\u30b0\u30fb\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30fc\u30b9\uff08API\uff09 57
\n5.3.7.1.2 \u30af\u30e9\u30a6\u30c9\u30b3\u30f3\u30d4\u30e5\u30fc\u30c6\u30a3\u30f3\u30b0 57
\n5.3.7.1.3 \u4eba\u5de5\u77e5\u80fd\uff08AI\uff09\u3068\u6a5f\u68b0\u5b66\u7fd2\uff08ML\uff09 57
\n5.3.7.2 \u88dc\u5b8c\u6280\u8853 57
\n5.3.7.2.1 \u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0 58
\n5.3.7.2.2 \u30d0\u30a4\u30aa\u30e1\u30c8\u30ea\u30af\u30b9 58
\n5.3.7.2.3 \u30d6\u30ed\u30c3\u30af\u30c1\u30a7\u30fc\u30f3 58
\n5.3.7.3 \u96a3\u63a5\u6280\u8853 58
\n5.3.7.3.1 \u30e2\u30ce\u306e\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\uff08IoT\uff09 58
\n5.3.7.3.2 \u30d3\u30c3\u30b0\u30c7\u30fc\u30bf\u5206\u6790 58
\n5.3.7.3.3 \u898f\u5236\u6280\u8853\uff08RegTech\uff09 59
\n5.3.8 \u7279\u8a31\u5206\u6790 59
\n5.3.8.1 \u4e3b\u8981\u7279\u8a31\u4e00\u89a7 60
\n5.3.9 \u30dd\u30fc\u30bf\u30fc\u306e\u30d5\u30a1\u30a4\u30d6\u30d5\u30a9\u30fc\u30b9\u5206\u6790 62
\n5.3.9.1 \u65b0\u898f\u53c2\u5165\u306e\u8105\u5a01 63
\n5.3.9.2 \u4ee3\u66ff\u54c1\u306e\u8105\u5a01 63
\n5.3.9.3 \u30b5\u30d7\u30e9\u30a4\u30e4\u30fc\u306e\u4ea4\u6e09\u529b 63
\n5.3.9.4 \u8cb7\u3044\u624b\u306e\u4ea4\u6e09\u529b 63
\n5.3.9.5 \u7af6\u5408\u306e\u6fc0\u3057\u3055 64
\n5.3.10 \u9867\u5ba2\u306e\u30d3\u30b8\u30cd\u30b9\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u30c8\u30ec\u30f3\u30c9\uff0f\u6df7\u4e71 64
\n5.3.11 \u4e3b\u8981\u30b9\u30c6\u30fc\u30af\u30db\u30eb\u30c0\u30fc\u3068\u8cfc\u8cb7\u57fa\u6e96 64
\n5.3.11.1 \u8cfc\u5165\u30d7\u30ed\u30bb\u30b9\u306b\u304a\u3051\u308b\u4e3b\u8981\u30b9\u30c6\u30fc\u30af\u30db\u30eb\u30c0\u30fc 64
\n5.3.11.2 \u8cfc\u5165\u57fa\u6e96 65
\n5.3.12 \u4e3b\u8981\u30ab\u30f3\u30d5\u30a1\u30ec\u30f3\u30b9\u3068\u30a4\u30d9\u30f3\u30c8 66
\n5.3.13 \u7d44\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u6280\u8853\u30ed\u30fc\u30c9\u30de\u30c3\u30d7 67
\n5.3.13.1 \u77ed\u671f\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\uff082023\uff5e2025\u5e74\uff09 67
\n5.3.13.2 \u4e2d\u671f\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\uff082026\uff5e2028\u5e74\uff09 67
\n5.3.13.3 \u9577\u671f\u30ed\u30fc\u30c9\u30de\u30c3\u30d7\uff082029\uff5e2030\u5e74\uff09 67
\n5.3.14 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\u306b\u304a\u3051\u308b\u30d9\u30b9\u30c8\u30d7\u30e9\u30af\u30c6\u30a3\u30b9 68
\n5.3.14.1 \u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u7d71\u5408 68
\n5.3.14.2 \u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u3068\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u512a\u5148 68
\n5.3.14.3 \u500b\u5225\u5316\u3055\u308c\u305f\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u63d0\u4f9b 68
\n5.3.14.4 \u30e6\u30fc\u30b6\u30fc\u4e2d\u5fc3\u8a2d\u8a08\u306e\u91cd\u8996 68
\n5.3.14.5 \u30c7\u30fc\u30bf\u5206\u6790\u3068\u6d1e\u5bdf\u306e\u6d3b\u7528 68
\n5.3.15 \u73fe\u5728\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u3068\u65b0\u305f\u306a\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb 69
\n5.3.15.1 \u30b5\u30d6\u30b9\u30af\u30ea\u30d7\u30b7\u30e7\u30f3\u578b\u30e2\u30c7\u30eb 69
\n5.3.15.2 \u6709\u6599\u30e2\u30c7\u30eb 69
\n5.3.15.3 \u30d5\u30ea\u30fc\u30df\u30a2\u30e0\u30e2\u30c7\u30eb 69
\n5.3.15.4 \u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u30d9\u30fc\u30b9\u306e\u30e2\u30c7\u30eb 69
\n5.3.15.5 \u5e83\u544a\u30d9\u30fc\u30b9\u306e\u30e2\u30c7\u30eb 69
\n5.3.16 \u7d44\u307f\u8fbc\u307f\u578b\u6c7a\u6e08\u306e3\u3064\u306e\u30e2\u30c7\u30eb 69
\n5.3.16.1 \u7d39\u4ecb\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7 69
\n5.3.16.2 \u30da\u30a4\u30e1\u30f3\u30c8\u30fb\u30d5\u30a1\u30b7\u30ea\u30c6\u30fc\u30b7\u30e7\u30f3 70
\n5.3.16.3 \u30da\u30a4\u30e1\u30f3\u30c8\u30fb\u30d5\u30a1\u30b7\u30ea\u30c6\u30fc\u30b7\u30e7\u30f3\u30fb\u30a2\u30ba\u30fb\u30a2\u30fb\u30b5\u30fc\u30d3\u30b9 70
\n5.3.17 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\uff1a\u30c4\u30fc\u30eb\u3001\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u3001\u30c6\u30af\u30cb\u30c3\u30af 70
\n5.3.18 \u6295\u8cc7\u3068\u8cc7\u91d1\u8abf\u9054\u306e\u30b7\u30ca\u30ea\u30aa 70
\n6 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\uff1a\u30bf\u30a4\u30d7\u5225 71
\n6.1 \u306f\u3058\u3081\u306b 72
\n6.1.1 \u30bf\u30a4\u30d7\u5225 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\u306e\u4fc3\u9032\u8981\u56e0
\n6.2 \u7d44\u8fbc\u307f\u6c7a\u6e08 74
\n6.2.1 \u975e\u91d1\u878d\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3078\u306e\u6c7a\u6e08\u51e6\u7406\u306e\u5408\u7406\u5316\u7d71\u5408\u306b\u3088\u308b\u30e6\u30fc\u30b6\u30fc\u4f53\u9a13\u306e\u5411\u4e0a\u3068\u53d6\u5f15\u52b9\u7387\u306e\u5411\u4e0a 74
\n6.3 \u7d44\u8fbc\u578b\u878d\u8cc7 75
\n6.3.1 \u30af\u30ec\u30b8\u30c3\u30c8\u3084\u30ed\u30fc\u30f3\u30b5\u30fc\u30d3\u30b9\u3092\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u5185\u306b\u76f4\u63a5\u7d71\u5408\u3059\u308b\u3053\u3068\u3067\u3001\u8cc7\u91d1\u8abf\u9054\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u7c21\u7d20\u5316\u3057\u3001\u6d88\u8cbb\u8005\u306e\u652f\u51fa\u3084\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3\u3092\u9ad8\u3081\u308b 75
\n6.4 \u4fdd\u967a\u306e\u7d44\u307f\u8fbc\u307f 76
\n6.4.1 \u53d6\u5f15\u306b\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u7d71\u5408\u3055\u308c\u305f\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u88dc\u511f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3001\u9867\u5ba2\u6e80\u8db3\u5ea6\u3068\u53d6\u5f15\u4fa1\u5024\u3092\u5411\u4e0a 76
\n6.5 \u6295\u8cc7\uff0f\u8cc7\u7523\u7ba1\u7406\u306e\u7d44\u307f\u8fbc\u307f 77
\n6.5.1 \u5305\u62ec\u7684\u306a\u91d1\u878d\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u305f\u3081\u306b\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d7\u30e9\u30c3\u30c8 \u30d5\u30a9\u30fc\u30e0\u5185\u306b\u91d1\u878d\u30a2\u30c9\u30d0\u30a4\u30b6\u30ea\u30fc\u3084\u6295\u8cc7\u30b5\u30fc\u30d3\u30b9\u3092\u7d71\u5408\u3059\u308b\u3053\u3068\u3067\u3001 \u30e6\u30fc\u30b6\u30fc\u306e\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u3068\u6e80\u8db3\u5ea6\u3092\u5411\u4e0a 77
\n6.6 \u305d\u306e\u4ed6\u306e\u30bf\u30a4\u30d7 78<\/p>\n

7 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\u3001\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u5225 79
\n7.1 \u306f\u3058\u3081\u306b 80
\n7.1.1 \u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\uff1a\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u4fc3\u9032\u8981\u56e0 80
\n7.2 B2B 81
\n7.2.1 \u4e8b\u696d\u904b\u55b6\u306e\u52b9\u7387\u6027\u3068\u62e1\u5f35\u6027\u3092\u9ad8\u3081\u3001\u53d6\u5f15\u7ba1\u7406\u3068\u8ca1\u52d9\u6d1e\u5bdf\u306e\u9769\u65b0\u3092\u63a8\u9032\u3002 81
\n7.3 B2C 82
\n7.3.1 \u6d88\u8cbb\u8005\u5411\u3051\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u304a\u3051\u308b\u5229\u4fbf\u6027\u3068\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3\u306e\u5411\u4e0a\u3001 \u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u6c7a\u6e08\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306b\u3088\u308b\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u4f53\u9a13\u306e\u5411\u4e0a\u3002 82
\n8 \u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u3001\u7523\u696d\u5225 84
\n8.1 \u306f\u3058\u3081\u306b
\n8.1.1 \u7523\u696d\u5225 \u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u4fc3\u9032\u8981\u56e0 86
\n8.2 \u5c0f\u58f2\u696d\u3068\u96fb\u5b50\u5546\u53d6\u5f15 87
\n8.2.1 \u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u6c7a\u6e08\u3068\u30af\u30ec\u30b8\u30c3\u30c8\u30b5\u30fc\u30d3\u30b9\u306b\u3088\u308b\u8ca9\u58f2\u3068\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u4f53\u9a13\u306e\u5411\u4e0a 87
\n8.2.2 \u30e6\u30fc\u30b9\u30b1\u30fc\u30b9 88
\n8.2.2.1 \u4e2d\u5c0f\u4f01\u696d\u5411\u3051\u878d\u8cc7\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u7d44\u307f\u8fbc\u307f\u3092\u53ef\u80fd\u306b\u3059\u308b\u96fb\u5b50\u5546\u53d6\u5f15\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0 88
\n8.3 \u30d8\u30eb\u30b9\u30b1\u30a2 88
\n8.3.1 \u533b\u7642\u8cbb\u8acb\u6c42\u306e\u7c21\u7d20\u5316\u3068\u5206\u5272\u6255\u3044\u30d7\u30e9\u30f3\u3068\u5c02\u9580\u7684\u306a\u878d\u8cc7\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306b\u3088\u308b\u624b\u9803\u306a\u4fa1\u683c\u306e\u6539\u5584 88
\n8.3.2 \u30e6\u30fc\u30b9\u30b1\u30fc\u30b9 89
\n8.3.2.1 \u30a4\u30f3\u30c9\u56fd\u9244\u304c\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u822a\u7a7a\u5238\u3092\u4e88\u7d04\u3059\u308b\u969b\u306b\u30aa\u30d7\u30b7\u30e7\u30f3\u3068\u3057\u3066\u63d0\u4f9b\u3059\u308b\u65c5\u884c\u4fdd\u967a 89
\n8.4 \u6559\u80b2 89
\n8.4.1 \u4e16\u754c\u306e\u6388\u696d\u6599\u652f\u6255\u3044\u3068\u5b66\u751f\u30ed\u30fc\u30f3\u306e\u5408\u7406\u5316\u3001\u6559\u80b2\u6a5f\u95a2\u3068\u5b66\u751f\u306e\u8ca1\u52d9\u7ba1\u7406\u306e\u6539\u5584 89
\n8.4.2 \u30e6\u30fc\u30b9\u30b1\u30fc\u30b9 90
\n8.4.2.1 EdTech\u4f01\u696d\u306b\u3088\u308b\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u6559\u80b2\u91d1\u878d\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3 90
\n8.5 \u30c6\u30ec\u30b3\u30e0 90
\n8.5.1 \u30e2\u30d0\u30a4\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u3068\u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u306e\u62e1\u5927\u3001\u901a\u4fe1\u4e8b\u696d\u8005\u3068\u306e\u63d0\u643a\u306b\u3088\u308b\u91d1\u878d\u5305\u6442\u306e\u4fc3\u9032 90
\n8.6 \u4ea4\u901a\u3001\u30e2\u30d3\u30ea\u30c6\u30a3\u3001\u7269\u6d41 91
\n8.6.1 \u30e9\u30a4\u30c9\u30b7\u30a7\u30a2\u30ea\u30f3\u30b0\u3068\u7269\u6d41\u306b\u304a\u3051\u308b\u6c7a\u6e08\u306e\u6700\u9069\u5316\u3001
\n\u696d\u52d9\u52b9\u7387\u306e\u5411\u4e0a 91
\n8.6.2 \u30e6\u30fc\u30b9\u30b1\u30fc\u30b9 92
\n8.6.2.1 \u30e9\u30a4\u30c9\u30d8\u30a4\u30ea\u30f3\u30b0\u30a2\u30d7\u30ea\u306b\u304a\u3051\u308b\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u6c7a\u6e08\u3068\u30de\u30a4\u30af\u30ed\u30a4\u30f3\u30b7\u30e5\u30e9\u30f3\u30b9\u306e\u7d71\u5408 92
\n8.7 \u30c8\u30e9\u30d9\u30eb\uff06\u30db\u30b9\u30d4\u30bf\u30ea\u30c6\u30a3 92
\n8.7.1 \u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u6c7a\u6e08\u30aa\u30d7\u30b7\u30e7\u30f3\u306e\u63d0\u4f9b\u3068\u4e88\u7d04\u4f53\u9a13\u306e\u5411\u4e0a 92<\/p>\n

8.8 \u305d\u306e\u4ed6\u306e\u7523\u696d 93
\n8.8.1 \u30e6\u30fc\u30b9\u30b1\u30fc\u30b9 94
\n8.8.1.1 \u4e0d\u52d5\u7523\u30a2\u30b0\u30ea\u30b2\u30fc\u30bf\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u304a\u3051\u308b\u7d71\u5408\u6c7a\u6e08\u3068\u4f4f\u5b85\u30ed\u30fc\u30f3\u30b5\u30fc\u30d3\u30b9 94
\n8.8.1.2 \u8fb2\u5bb6\u5411\u3051\u306b\u7d71\u5408\u91d1\u878d\u3092\u63d0\u4f9b\u3059\u308b\u30a2\u30b0\u30ea\u30c6\u30c3\u30af\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0 94
\n9 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u5e02\u5834\u3001\u5730\u57df\u5225 95
\n9.1 \u306f\u3058\u3081\u306b 96
\n9.2 \u5317\u7c73 97
\n9.2.1 \u5317\u7c73\uff1a\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u4fc3\u9032\u8981\u56e0 97
\n9.2.2 \u5317\u7c73\uff1a\u666f\u6c17\u5f8c\u9000\u306e\u5f71\u97ff 97
\n9.2.3 \u7c73\u56fd 101
\n9.2.3.1 \u6d88\u8cbb\u8005\u306e\u65e5\u5e38\u4f53\u9a13\u306b\u91d1\u878d\u6a5f\u80fd\u3092\u7d44\u307f\u8fbc\u3080\u3053\u3068\u3067\u3001\u7c73\u56fd\u306e\u4f1d\u7d71\u7684\u306a\u30d0\u30f3\u30ad\u30f3\u30b0\u30fb\u30b5\u30fc\u30d3\u30b9\u3092\u6839\u672c\u7684\u306b \u518d\u5f62\u6210\u3059\u308b\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0 101
\n9.2.4 \u30ab\u30ca\u30c0 103
\n9.2.4.1 \u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306b\u7cbe\u901a\u3057\u305f\u6d88\u8cbb\u8005\u306e\u9593\u3067\u3001\u53d6\u5f15\u3092\u7c21\u7d20\u5316\u3057\u8ca1\u52d9\u7ba1\u7406\u3092\u5f37\u5316\u3059 \u308b\u7d71\u5408\u3055\u308c\u305f\u91d1\u878d\u4f53\u9a13\u306b\u5bfe\u3059\u308b\u55dc\u597d\u304c\u9ad8\u307e\u3063\u3066\u3044\u308b\u3053\u3068\u3092\u53cd\u6620\u3057\u305f\u3001\u30ab\u30ca\u30c0\u306b\u304a\u3051\u308b\u7d44\u8fbc \u578b\u91d1\u878d\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u666e\u53ca 103
\n9.3 \u6b27\u5dde 103
\n9.3.1 \u6b27\u5dde\uff1a\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u727d\u5f15\u5f79 104
\n9.3.2 \u6b27\u5dde\uff1a\u666f\u6c17\u5f8c\u9000\u306e\u5f71\u97ff \u666f\u6c17\u5f8c\u9000\u306e\u5f71\u97ff 104
\n9.3.3 \u82f1\u56fd 107
\n9.3.3.1 \u4f1d\u7d71\u7684\u306a\u30d0\u30f3\u30ad\u30f3\u30b0\u30b5\u30fc\u30d3\u30b9\u3060\u3051\u3067\u306a\u304f\u3001\u9ad8\u5ea6\u306a\u6a5f\u80fd\u3092\u5099\u3048\u305f\u30e2\u30d0\u30a4\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u30a2\u30d7\u30ea\u304c\u63d0\u4f9b\u3059\u308b\u5229\u4fbf\u6027\u3068\u30a2\u30af\u30bb\u30b7\u30d3\u30ea\u30c6\u30a3\u304c\u6d88\u8cbb\u8005\u306b\u652f\u6301 107
\n9.3.4 \u30c9\u30a4\u30c4 109
\n9.3.4.1 \u5229\u4fbf\u6027\u3068\u52b9\u7387\u6027\u3092\u6c42\u3081\u308b\u6d88\u8cbb\u8005\u306e\u55dc\u597d\u306e\u9032\u5316\u306b\u5bfe\u5fdc\u3057\u3001\u30ea\u30c6\u30fc\u30eb\u3084\u30c7\u30b8\u30bf \u30eb\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u30d0\u30f3\u30ad\u30f3\u30b0\u30fb\u30b5\u30fc\u30d3\u30b9\u3092\u7d71\u5408\u3059\u308b\u305f\u3081\u306b\u4f1d\u7d71\u7684\u306a\u91d1\u878d\u6a5f\u95a2\u3068\u63d0\u643a\u3059\u308b\u30d5\u30a3\u30f3\u30c6\u30c3 \u30af\u65b0\u8208\u4f01\u696d 109
\n9.3.5 \u30d5\u30e9\u30f3\u30b9 109
\n9.3.5.1 \u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u9769\u65b0\u306b\u6709\u5229\u306a\u74b0\u5883\u6574\u5099\u3067\u91cd\u8981\u306a\u5f79\u5272\u3092\u679c\u305f\u3059\u30d5\u30e9\u30f3\u30b9\u306e\u898f\u5236\u5f53\u5c40 109
\n9.3.6 \u30a4\u30bf\u30ea\u30a2 110
\n9.3.6.1 \u30a4\u30bf\u30ea\u30a2\u306e\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306b\u304a\u3051\u308b\u4e3b\u8981\u30b9\u30c6\u30fc\u30af\u30db\u30eb\u30c0\u30fc\u306f\u3001\u91d1\u878d\u30bd\u30ea\u30e5\u30fc\u30b7 \u30e7\u30f3\u3092\u9769\u65b0\u3059\u308b\u305f\u3081\u306b\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u3092\u6d3b\u7528\u3059\u308b\u4fca\u654f\u306a\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3068\u3068\u3082\u306b\u3001\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc \u30b7\u30e7\u30f3\u3078\u306e\u9069\u5fdc\u3092\u5305\u542b\u3057\u3066\u3044\u308b 110
\n9.3.7 \u30b9\u30da\u30a4\u30f3 112
\n9.3.7.1 \u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u5c0e\u5165\u304c\u6025\u5897\u3057\u3066\u3044\u308b\u30b9\u30da\u30a4\u30f3\u306f\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u975e\u91d1\u878d\u30c7\u30b8\u30bf \u30eb\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u7d71\u5408\u3057\u3088\u3046\u3068\u3044\u3046\u5e83\u7bc4\u306a\u30c8\u30ec\u30f3\u30c9\u3092\u793a\u5506 112
\n9.3.8 \u305d\u306e\u4ed6\u306e\u6b27\u5dde 112<\/p>\n

9.4 \u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u5730\u57df 113
\n9.4.1 \u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u5730\u57df\uff1a\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u4fc3\u9032\u8981\u56e0 113
\n9.4.2 \u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u5730\u57df\uff1a\u666f\u6c17\u5f8c\u9000\u306e\u5f71\u97ff 113 \u666f\u6c17\u5f8c\u9000\u306e\u5f71\u97ff 113
\n9.4.3 \u4e2d\u56fd 117
\n9.4.3.1 \u6d88\u8cbb\u8005\u306e\u30c7\u30b8\u30bf\u30eb\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3078\u306e\u4f9d\u5b58\u5ea6\u304c\u4e0a\u6607\u3001
\n\u65e5\u5e38\u306e\u8cb7\u3044\u7269\u304b\u3089\u9ad8\u5ea6\u306a\u8cc7\u91d1\u8a08\u753b\u307e\u3067 117
\n9.4.4 \u65e5\u672c 119
\n9.4.4.1 Plaid\u3001Stripe\u3001Wallester\u304c\u65e5\u672c\u306e\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u5c06\u6765\u3092\u5f62\u4f5c\u308b\u4e0a\u3067\u6975\u3081\u3066\u91cd\u8981 119
\n9.4.5 \u30a4\u30f3\u30c9 119
\n9.4.5.1 \u30a4\u30f3\u30c9\u306e\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306b\u3088\u308b\u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u306f\u3001\u53d6\u5f15\u91cf\u304c\u524d\u5e74\u6bd4183\uff05\u3068\u9855\u8457\u306b\u6025\u5897 119
\n9.4.6 \u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u30fb\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9 121
\n9.4.6.1 \u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u3067\u306f\u7d44\u307f\u8fbc\u307f\u578b\u91d1\u878d\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u5c0e\u5165\u304c\u9855\u8457\u306b\u5897\u52a0\u3057\u3001\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u306e\u53d6\u5f15\u4ef6\u6570\u306f\u524d\u5e74\u6bd430\uff05\u5897 121
\n9.4.7 \u305d\u306e\u4ed6\u306e\u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u5730\u57df 122
\n9.5 \u4e2d\u6771\u30fb\u30a2\u30d5\u30ea\u30ab 122
\n9.5.1 \u4e2d\u6771\u30fb\u30a2\u30d5\u30ea\u30ab\uff1a\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u4fc3\u9032\u8981\u56e0 122
\n9.5.2 \u4e2d\u6771\u30fb\u30a2\u30d5\u30ea\u30ab\uff1a\u666f\u6c17\u5f8c\u9000\u306e\u5f71\u97ff 122
\n9.5.3 GCC\u8af8\u56fd 125
\n9.5.3.1 GCC\u306e\u6226\u7565\u7684\u7acb\u5730\u3068\u30b0\u30ed\u30fc\u30d0\u30eb\u30d3\u30b8\u30cd\u30b9\u306e\u30cf\u30d6\u3068\u3057\u3066\u306e\u5f79\u5272\u306b\u3088\u308a\u3001\u7d4c\u6e08\u306e\u591a\u69d8\u5316\u3092\u4fc3\u9032\u3057\u3001\u91d1\u878d\u5305\u6442\u3092\u5f37\u5316\u3059\u308b\u7d44\u8fbc\u307f\u578b\u91d1\u878d\u306e\u53ef\u80fd\u6027\u304c\u5897\u5e45 125
\n9.5.3.2 UAE 128
\n9.5.3.2.1 \u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u6c7a\u6e08\u4f53\u9a13\u3068\u9867\u5ba2\u6e80\u8db3\u5ea6\u5411\u4e0a\u3092\u53ef\u80fd\u306b\u3059\u308be\u30b3\u30de\u30fc\u30b9\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3068\u91d1\u878d\u6a5f\u95a2\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7 128
\n9.5.3.3 \u97d3\u56fd 128
\n9.5.3.3.1 KSA\u306b\u304a\u3051\u308b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3068\u4f1d\u7d71\u7684\u4f01\u696d\u3068\u306e\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u306e\u6025\u5897\u304c\u5e02\u5834\u6210\u9577\u3092\u4fc3\u9032 128
\n9.5.3.4 \u305d\u306e\u4ed6\u306eGCC\u8af8\u56fd 131
\n9.5.4 \u5357\u30a2\u30d5\u30ea\u30ab 131
\n9.5.4.1 \u56fd\u6c11\u306e\u5927\u90e8\u5206\u304c\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u3092\u901a\u3058\u3066\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306b\u30a2\u30af\u30bb\u30b9\u3059\u308b\u30e2\u30d0\u30a4\u30eb\u4e2d\u5fc3\u306e\u7d4c\u6e08\u304c\u5357\u30a2\u30d5\u30ea\u30ab\u306e\u5e02\u5834\u6210\u9577\u3092\u727d\u5f15 131
\n9.5.5 \u305d\u306e\u4ed6\u306e\u4e2d\u6771\u30fb\u30a2\u30d5\u30ea\u30ab\u5730\u57df 131
\n9.6 \u30e9\u30c6\u30f3\u30a2\u30e1\u30ea\u30ab 132
\n9.6.1 \u4e2d\u5357\u7c73\uff1a\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u5e02\u5834\u306e\u4fc3\u9032\u8981\u56e0 132
\n9.6.2 \u30e9\u30c6\u30f3\u30a2\u30e1\u30ea\u30ab\uff1a\u666f\u6c17\u5f8c\u9000\u306e\u5f71\u97ff 132
\n9.6.3 \u30d6\u30e9\u30b8\u30eb 135
\n9.6.3.1 \u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u306e\u9ad8\u3044\u666e\u53ca\u7387\u3084\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u63a5\u7d9a\u306e\u5897\u52a0\u306a\u3069\u3001\u30d6\u30e9\u30b8\u30eb\u306e\u5f37\u56fa\u306a\u30c7\u30b8\u30bf \u30eb\u30a4\u30f3\u30d5\u30e9\u304c\u5e02\u5834\u6210\u9577\u3092\u727d\u5f15 135<\/p>\n

9.6.4 \u30e1\u30ad\u30b7\u30b3 137
\n9.6.4.1 \u5354\u696d\u3092\u4fc3\u9032\u3059\u308b\u30e1\u30ad\u30b7\u30b3\u306e\u652f\u63f4\u7684\u306a\u898f\u5236\u74b0\u5883\u3068\u6210\u9577\u3059\u308b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30fb\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u304c\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u4fc3\u9032\u3057\u3001\u6d88\u8cbb\u8005\u304c\u5229\u7528\u3067\u304d\u308b\u91d1\u878d\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u7bc4\u56f2\u3092\u62e1\u5927 137
\n9.6.5 \u305d\u306e\u4ed6\u306e\u30e9\u30c6\u30f3\u30a2\u30e1\u30ea\u30ab\u5730\u57df 137
\n10 \u7af6\u4e89\u74b0\u5883 138
\n10.1 \u306f\u3058\u3081\u306b 138
\n10.2 \u4e3b\u8981\u30d7\u30ec\u30fc\u30e4\u30fc\u306e\u6226\u7565\uff0f\u52dd\u5229\u3078\u306e\u6a29\u5229 138
\n10.3 \u53ce\u76ca\u5206\u6790 140
\n10.4 \u5e02\u5834\u30b7\u30a7\u30a2\u5206\u6790 141
\n10.4.1 \u5e02\u5834\u30e9\u30f3\u30ad\u30f3\u30b0\u5206\u6790 142
\n10.5 \u4f01\u696d\u8a55\u4fa1\u30de\u30c8\u30ea\u30c3\u30af\u30b9\uff1a\u4e3b\u8981\u30d7\u30ec\u30a4\u30e4\u30fc\uff082023\u5e74\uff09 142
\n10.5.1 \u30b9\u30bf\u30fc\u4f01\u696d 142
\n10.5.2 \u65b0\u8208\u30ea\u30fc\u30c0\u30fc 142
\n10.5.3 \u6d78\u900f\u578b\u30d7\u30ec\u30fc\u30e4\u30fc 142
\n10.5.4 \u53c2\u52a0\u4f01\u696d 142
\n10.5.5 \u4f01\u696d\u30d5\u30c3\u30c8\u30d7\u30ea\u30f3\u30c8\uff1a\u4e3b\u8981\u30d7\u30ec\u30a4\u30e4\u30fc\u30012023\u5e74 144
\n10.6 \u4f01\u696d\u8a55\u4fa1\u30de\u30c8\u30ea\u30af\u30b9\uff1a\u65b0\u8208\u4f01\u696d\uff0fSM\uff082023\u5e74\uff09 149
\n10.6.1 \u9032\u6b69\u7684\u4f01\u696d 149
\n10.6.2 \u5bfe\u5fdc\u529b\u306e\u3042\u308b\u4f01\u696d 149
\n10.6.3 \u30c0\u30a4\u30ca\u30df\u30c3\u30af\u306a\u4f01\u696d 149
\n10.6.4 \u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u30fb\u30d6\u30ed\u30c3\u30af 149
\n10.6.5 \u7af6\u4e89\u30d9\u30f3\u30c1\u30de\u30fc\u30ad\u30f3\u30b0 151
\n10.7 \u7af6\u4e89\u30b7\u30ca\u30ea\u30aa\u3068\u30c8\u30ec\u30f3\u30c9 153
\n10.7.1 \u88fd\u54c1\u4e0a\u5e02 153
\n10.7.2 \u53d6\u5f15 154
\n10.8 \u30d6\u30e9\u30f3\u30c9\u30fb\u88fd\u54c1\u6bd4\u8f03\u5206\u6790 155
\n10.9 \u4e3b\u8981\u30a8\u30f3\u30d9\u30c7\u30c3\u30c9\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u30fb\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u4f01\u696d\u8a55\u4fa1\u3068\u8ca1\u52d9\u6307\u6a19 156
\n11 \u4f01\u696d\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb 157
\n11.1 \u4e3b\u8981\u30d7\u30ec\u30fc\u30e4\u30fc 157
\n11.1.1 \u30b9\u30c8\u30e9\u30a4\u30d7(\u682a) 157
\n11.1.1.1 \u4e8b\u696d\u6982\u8981 157
\n11.1.1.2 \u63d0\u4f9b\u3059\u308b\u88fd\u54c1\uff0f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\uff0f\u30b5\u30fc\u30d3\u30b9 157
\n11.1.1.3 \u6700\u8fd1\u306e\u52d5\u5411 159
\n11.1.1.4 MnM\u306e\u898b\u89e3 160
\n11.1.1.4.1 \u52dd\u5229\u3078\u306e\u6a29\u5229 160
\n11.1.1.4.2 \u6226\u7565\u7684\u306a\u9078\u629e 160
\n11.1.1.4.3 \u5f31\u70b9\u3068\u7af6\u4e89\u4e0a\u306e\u8105\u5a01 160<\/p>\n

11.1.2 \u30da\u30a4\u30d1\u30eb\u30db\u30fc\u30eb\u30c7\u30a3\u30f3\u30b0\u30b9 161
\n11.1.2.1 \u4e8b\u696d\u6982\u8981 161
\n11.1.2.2 \u63d0\u4f9b\u3059\u308b\u88fd\u54c1\uff0f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\uff0f\u30b5\u30fc\u30d3\u30b9 163
\n11.1.2.3 \u6700\u8fd1\u306e\u52d5\u5411 164
\n11.1.2.4 MnM\u306e\u898b\u89e3 165
\n11.1.2.4.1 \u52dd\u5229\u3078\u306e\u6a29\u5229 165
\n11.1.2.4.2 \u6226\u7565\u7684\u9078\u629e 165
\n11.1.2.4.3 \u5f31\u70b9\u3068\u7af6\u4e89\u4e0a\u306e\u8105\u5a01 165
\n11.1.3 \u30a2\u30de\u30be\u30f3\u30fb\u30c9\u30c3\u30c8\u30fb\u30b3\u30e0\uff08\u682a 166
\n11.1.3.1 \u4e8b\u696d\u6982\u8981 166
\n11.1.3.2 \u63d0\u4f9b\u3059\u308b\u88fd\u54c1\uff0f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\uff0f\u30b5\u30fc\u30d3\u30b9 168
\n11.1.3.3 \u6700\u8fd1\u306e\u52d5\u5411 169
\n11.1.3.4 MnM\u30d3\u30e5\u30fc 170
\n11.1.3.4.1 \u52dd\u5229\u3078\u306e\u6a29\u5229 170
\n11.1.3.4.2 \u6226\u7565\u7684\u9078\u629e 170
\n11.1.3.4.3 \u5f31\u70b9\u3068\u7af6\u4e89\u4e0a\u306e\u8105\u5a01 170
\n11.1.4 FIS 171
\n11.1.4.1 \u4e8b\u696d\u6982\u8981 171
\n11.1.4.2 \u63d0\u4f9b\u3059\u308b\u88fd\u54c1\uff0f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\uff0f\u30b5\u30fc\u30d3\u30b9 172
\n11.1.4.3 \u6700\u8fd1\u306e\u52d5\u5411 174
\n11.1.4.4 MnM\u30d3\u30e5\u30fc 175
\n11.1.4.4.1 \u52dd\u5229\u3078\u306e\u6a29\u5229 175
\n11.1.4.4.2 \u6226\u7565\u7684\u9078\u629e 175
\n11.1.4.4.3 \u5f31\u70b9\u3068\u7af6\u4e89\u4e0a\u306e\u8105\u5a01 175
\n11.1.5 \u30d3\u30b6\u30fb\u30a4\u30f3\u30af 176
\n11.1.5.1 \u4e8b\u696d\u6982\u8981 176
\n11.1.5.2 \u63d0\u4f9b\u3059\u308b\u88fd\u54c1\/\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\/\u30b5\u30fc\u30d3\u30b9 178
\n179 11.1.5.3 \u6700\u8fd1\u306e\u52d5\u5411 179
\n11.1.5.4 MnM\u30d3\u30e5\u30fc 180
\n11.1.5.4.1 \u52dd\u5229\u3078\u306e\u6a29\u5229 180
\n11.1.5.4.2 \u6226\u7565\u7684\u9078\u629e 180
\n11.1.5.4.3 \u5f31\u70b9\u3068\u7af6\u4e89\u4e0a\u306e\u8105\u5a01 180
\n11.1.6 \u30d7\u30ec\u30a4\u30c9\u30fb\u30a4\u30f3\u30af 181
\n11.1.6.1 \u4e8b\u696d\u6982\u8981 181
\n11.1.6.2 \u63d0\u4f9b\u3059\u308b\u88fd\u54c1\uff0f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\uff0f\u30b5\u30fc\u30d3\u30b9 181
\n11.1.6.3 \u6700\u8fd1\u306e\u52d5\u5411 182
\n11.1.7 \u30af\u30e9\u30e9\u30d0\u30f3\u30afAB 184
\n11.1.7.1 \u4e8b\u696d\u6982\u8981 184
\n11.1.7.2 \u63d0\u4f9b\u3059\u308b\u5546\u54c1\uff0f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\uff0f\u30b5\u30fc\u30d3\u30b9 184
\n11.1.7.3 \u6700\u8fd1\u306e\u52d5\u304d 185<\/p>\n

11.1.8 \u30af\u30ed\u30b9\u30ea\u30d0\u30fc\u9280\u884c 187
\n11.1.8.1 \u4e8b\u696d\u6982\u8981 187
\n11.1.8.2 \u63d0\u4f9b\u3059\u308b\u88fd\u54c1\uff0f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\uff0f\u30b5\u30fc\u30d3\u30b9 187
\n11.1.8.3 \u6700\u8fd1\u306e\u52d5\u5411 188
\n11.1.9 \u30bc\u30fc\u30bf\u30fb\u30b5\u30fc\u30d3\u30b9\uff08\u682a 190
\n11.1.9.1 \u4e8b\u696d\u6982\u8981 190
\n11.1.9.2 \u63d0\u4f9b\u3059\u308b\u88fd\u54c1\uff0f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\uff0f\u30b5\u30fc\u30d3\u30b9 190
\n11.1.9.3 \u6700\u8fd1\u306e\u52d5\u5411 191
\n11.1.10 \u30de\u30eb\u30b1\u30bf, INC. 192
\n11.1.10.1 \u4e8b\u696d\u6982\u8981 192
\n11.1.10.2 \u63d0\u4f9b\u3059\u308b\u88fd\u54c1\uff0f\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\uff0f\u30b5\u30fc\u30d3\u30b9 193
\n11.1.10.3 \u6700\u8fd1\u306e\u52d5\u5411 194
\n11.1.11 \u30ef\u30a4\u30ba\u30fb\u30da\u30a4\u30e1\u30f3\u30c8\u30fb\u30ea\u30df\u30c6\u30c3\u30c9 196
\n11.1.12 \u30b4\u30fc\u30eb\u30c9\u30de\u30f3\u30fb\u30b5\u30c3\u30af\u30b9 197
\n198 11.1.13 JPMorgan Chase & Co. 198
\n11.1.14 \u30a2\u30ea\u30da\u30a4\u30d7\u30e9\u30b9 199
\n11.2 \u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\/SM 200
\n11.2.1 \u30e6\u30cb\u30c3\u30c8\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9 200
\n11.2.2 \u30bd\u30e9\u30ea\u30b9\u30fb\u30bb 201
\n11.2.3 \u30d1\u30e9\u30d5\u30a3\u30f3 202
\n11.2.4 \u30d9\u30eb\u30dc 203
\n11.2.5 KASCO LTD. 204
\n11.2.6 \u30c6\u30a3\u30f3\u30c8\u30fb\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30ba\u30fb\u30a4\u30f3\u30af 205
\n11.2.7 Mezu, Inc. 206
\n11.2.8 \u30d5\u30a9\u30eb\u30c6\u30a3\u30b9\u30fb\u30da\u30a4\u30e1\u30f3\u30c8\u30fb\u30b7\u30b9\u30c6\u30e0\u30ba 207
\n11.2.9 \u30a2\u30c7\u30a3\u30c6\u30a3\u30d6\u30fb\u30a8\u30fc\u30b8\u30fc 208
\n11.2.10 \u30ac\u30ea\u30ec\u30aa\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30ba 209
\n11.2.11 \u30c8\u30ec\u30f4\u30a3\u30da\u30a4 210
\n12 \u96a3\u63a5\uff0f\u95a2\u9023\u5e02\u5834 211
\n12.1 \u5c0e\u5165 211
\n12.1.1 \u5236\u9650 211
\n12.2 \u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u5e02\u5834 211
\n12.2.1 \u5e02\u5834\u306e\u5b9a\u7fa9 211
\n12.2.2 \u5e02\u5834\u6982\u8981 211
\n12.3 \u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3 212
\n12.3.1 \u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u5e02\u5834\uff1a\u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u30bf\u30a4\u30d7\u5225 213
\n12.3.2 \u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u5e02\u5834\uff1a\u6c7a\u6e08\u30e2\u30fc\u30c9\u5225 214
\n12.3.3 \u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u5e02\u5834\uff1a\u696d\u7a2e\u5225 215
\n12.3.4 \u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u5e02\u5834\uff1a\u5730\u57df\u5225 216<\/p>\n

12.4 \u6c7a\u6e08\u51e6\u7406\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u5e02\u5834 216
\n12.4.1 \u5e02\u5834\u306e\u5b9a\u7fa9 216
\n12.4.2 \u5e02\u5834\u6982\u8981 217
\n12.4.3 \u652f\u6255\u51e6\u7406\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3001\u652f\u6255\u65b9\u6cd5\u5225 217
\n12.4.4 \u6c7a\u6e08\u51e6\u7406\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u5e02\u5834\uff1a\u696d\u7a2e\u5225 218
\n12.4.5 \u6c7a\u6e08\u51e6\u7406\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u7ba1\u7406\u5e02\u5834\uff1a\u5730\u57df\u5225 219
\n13 \u4ed8\u9332 220
\n13.1 \u30c7\u30a3\u30b9\u30ab\u30c3\u30b7\u30e7\u30f3\u30ac\u30a4\u30c9
\n13.2 Knowledgestore\uff1a Marketsandmarkets\u306e\u8cfc\u8aad\u30dd\u30fc\u30bf\u30eb 223
\n13.3 \u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u30aa\u30d7\u30b7\u30e7\u30f3 225
\n13.4 \u95a2\u9023\u30ec\u30dd\u30fc\u30c8 225
\n13.5 \u8457\u8005\u306e\u8a73\u7d30 226<\/p>\n

\u203b\u300c\u4e16\u754c\u306e\u30a8\u30f3\u30d9\u30c7\u30c3\u30c9\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u5e02\u5834\uff08\uff5e2029\u5e74\uff09\uff1a\u7a2e\u985e\u5225\uff08\u7d44\u307f\u8fbc\u307f\u578b\u6c7a\u6e08\u3001\u7d44\u307f\u8fbc\u307f\u578b\u878d\u8cc7\u3001\u7d44\u307f\u8fbc\u307f\u578b\u4fdd\u967a\u3001\u7d44\u307f\u8fbc\u307f\u578b\u8cc7\u7523\u7ba1\u7406\uff09\u3001\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u5225\u3001\u7523\u696d\u5225\uff08\u5c0f\u58f2\uff06e\u30b3\u30de\u30fc\u30b9\u3001\u533b\u7642\uff09\u300d\u8abf\u67fb\u30ec\u30dd\u30fc\u30c8\u306e\u8a73\u7d30\u7d39\u4ecb\u30da\u30fc\u30b8
\n\u21d2https:\/\/www.marketreport.jp\/embedded-finance-market-mam<\/a><\/p>\n

\u203b\u305d\u306e\u4ed6\u3001MarketsandMarkets\u793e\u8abf\u67fb\u30fb\u767a\u884c\u306e\u5e02\u5834\u8abf\u67fb\u30ec\u30dd\u30fc\u30c8\u4e00\u89a7
\n\u21d2https:\/\/www.marketreport.jp\/marketsandmarkets<\/a>
\n\u21d2https:\/\/www.marketreport.jp\/marketsandmarkets-reports-list<\/a>
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