{"id":10322,"date":"2025-04-28T13:27:22","date_gmt":"2025-04-28T13:27:22","guid":{"rendered":"https:\/\/itbusinesstoday.com\/?p=10322"},"modified":"2025-04-28T13:27:22","modified_gmt":"2025-04-28T13:27:22","slug":"how-japans-fintech-tap-millennial-micro-investing-with-ai","status":"publish","type":"post","link":"https:\/\/itbusinesstoday.com\/ja\/fintech\/how-japans-fintech-tap-millennial-micro-investing-with-ai\/","title":{"rendered":"\u65e5\u672c\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u304cAI\u3067\u30df\u30ec\u30cb\u30a2\u30eb\u4e16\u4ee3\u306e\u30de\u30a4\u30af\u30ed\u6295\u8cc7\u3092\u53d6\u308a\u8fbc\u3080\u65b9\u6cd5"},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><p>In Japan&rsquo;s fast-evolving financial landscape, a quiet revolution is unfolding. Millennials are known for being tech-savvy and skeptical of traditional finance. So, they are now using micro-investing platforms to build their wealth. Homegrown FinTech startups are leading this change. They use artificial intelligence to make investment opportunities accessible to everyone. These innovators challenge traditional banking norms. They also reshape how a generation views financial planning. For business leaders in Japan, understanding this trend is crucial. AI-driven solutions are now key to building consumer trust in the market. Staying relevant means adapting to these changes.<\/p><h3><strong>\u30de\u30a4\u30af\u30ed\u6295\u8cc7\u3092\u4fc3\u9032\u3059\u308b\u6587\u5316\u3068\u7d4c\u6e08\u306e\u5909\u5316<\/strong><\/h3><p>Japan&rsquo;s aging population and prolonged economic stagnation have long dominated financial narratives. Yet beneath the surface, a younger demographic is rewriting the rules. Millennials deal with low wages. They also worry about the economic ups and downs that affected earlier generations. The average annual income for those in their 20s is approximately <a href=\"https:\/\/wagaya-japan.com\/en\/journal_detail.php?id=5866#:~:text=%E3%83%BBAverage%20Annual%20Salary%20for%20Workers,men%2C%20resulting%20in%20lower%20salaries.\" data-no-translation=\"\">3.5 million yen<\/a> (\u7d04US$ 23,000\uff09\u3002\u5f7c\u3089\u306f\u3001\u901a\u5e38\u306e\u9810\u91d1\u53e3\u5ea7\u3084\u5e74\u91d1\u30d7\u30e9\u30f3\u3088\u308a\u3082\u512a\u308c\u305f\u9078\u629e\u80a2\u3092\u6c42\u3081\u3066\u3044\u307e\u3059\u3002\u30de\u30a4\u30af\u30ed\u6295\u8cc7\u3067\u306f\u3001\u5c11\u984d\u3001\u6642\u306b\u306f\u30b3\u30fc\u30d2\u30fc1\u676f\u7a0b\u5ea6\u304b\u3089\u59cb\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p><p>This trend aligns with broader societal shifts. Younger investors are now cautious about big, illiquid commitments. This shift comes from the growth of the gig economy and a trend toward minimalism. They prefer flexibility and transparency. These are values that traditional banks have had a hard time providing. FinTech startups, unencumbered by bureaucratic inertia, have stepped into this void. These companies use AI in their platforms. This way, they provide personalized and low-risk ways to invest. It&rsquo;s a big change from the unclear and high-cost products of the past.<\/p><p><strong>\u3053\u3061\u3089\u3082\u304a\u8aad\u307f\u304f\u3060\u3055\u3044\uff1a <a class=\"p-url\" href=\"https:\/\/itbusinesstoday.com\/ja\/tech\/ai\/ai-avatars-and-digital-humans-the-future-of-interaction\/\" rel=\"bookmark\">AI\u30a2\u30d0\u30bf\u30fc\u3068\u30c7\u30b8\u30bf\u30eb\u30d2\u30e5\u30fc\u30de\u30f3\uff1a\u30a4\u30f3\u30bf\u30e9\u30af\u30b7\u30e7\u30f3\u306e\u672a\u6765<\/a><\/strong><\/p><h3><strong>\u30a6\u30a7\u30eb\u30b9\u30fb\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u306b\u304a\u3051\u308b\u30b0\u30ec\u30fc\u30c8\u30fb\u30a4\u30b3\u30e9\u30a4\u30b6\u30fc\u3068\u3057\u3066\u306eAI<\/strong><\/h3><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-10328\" src=\"https:\/\/itbusinesstoday.com\/wp-content\/uploads\/2025\/04\/How-Japans-FinTech-Startups-Are-Using-AI-to-Tackle-Micro-Investment-Trends-Among-Millennials-02.webp\" alt=\"Japan&rsquo;s FinTechs Use AI \" width=\"1200\" height=\"800\"><\/p><p>\u4eba\u5de5\u77e5\u80fd\u306f\u3053\u306e\u5909\u9769\u306e\u8981\u3067\u3059\u3002\u5f93\u6765\u306e\u6295\u8cc7\u6226\u7565\u306b\u306f\u3001\u901a\u5e38\u3001\u591a\u304f\u306e\u4eba\u9593\u306e\u52b4\u529b\u304c\u5fc5\u8981\u3067\u3057\u305f\u3002\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306e\u7ba1\u7406\u3084\u30ea\u30b9\u30af\u306e\u8a55\u4fa1\u306a\u3069\u3067\u3059\u3002\u30df\u30ec\u30cb\u30a2\u30eb\u4e16\u4ee3\u306b\u3068\u3063\u3066\u3001\u3053\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u306f\u6642\u4ee3\u9045\u308c\u3067\u6392\u4ed6\u7684\u306a\u3082\u306e\u306b\u611f\u3058\u3089\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u3001AI\u4e3b\u5c0e\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u3001\u3053\u308c\u3089\u306e\u30d7\u30ed\u30bb\u30b9\u3092\u81ea\u52d5\u5316\u3057\u3001\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3057\u3001\u30d0\u30a4\u30a2\u30b9\u3092\u6392\u9664\u3057\u307e\u3059\u3002<\/p><p>\u4f8b\u3048\u3070\u3001\u884c\u52d5\u5206\u6790\u3002AI\u30a2\u30eb\u30b4\u30ea\u30ba\u30e0\u306f\u3001\u652f\u51fa\u30d1\u30bf\u30fc\u30f3\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u30e1\u30c7\u30a3\u30a2\u306e\u5229\u7528\u72b6\u6cc1\u3001\u4f4d\u7f6e\u60c5\u5831\u306a\u3069\u3092\u8abf\u3079\u308b\u3053\u3068\u3067\u3001\u91d1\u878d\u7fd2\u6163\u3092\u4e88\u6e2c\u3057\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u6295\u8cc7\u6226\u7565\u3092\u63d0\u6848\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u30e6\u30fc\u30b6\u30fc\u306f\u4f11\u6687\u306e\u305f\u3081\u306b\u8caf\u84c4\u3092\u3057\u305f\u308a\u3001\u901a\u8ca8\u5909\u52d5\u306b\u5099\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p><p>\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u7ba1\u7406\u306e\u81ea\u52d5\u5316\u306b\u3088\u308a\u3001\u610f\u601d\u6c7a\u5b9a\u304c\u3055\u3089\u306b\u7c21\u7d20\u5316\u3055\u308c\u307e\u3059\u3002\u6a5f\u68b0\u5b66\u7fd2\u30e2\u30c7\u30eb\u304c\u5e02\u5834\u306e\u72b6\u6cc1\u3092\u5e38\u306b\u30c1\u30a7\u30c3\u30af\u3002\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u8cc7\u7523\u306e\u30ea\u30d0\u30e9\u30f3\u30b9\u3092\u884c\u3044\u3001\u30ea\u30bf\u30fc\u30f3\u3092\u9ad8\u3081\u307e\u3059\u3002\u3053\u306e\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u306f\u3001\u52b9\u7387\u6027\u3068\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u30d5\u30a3\u30fc\u30c9\u30d0\u30c3\u30af\u3092\u512a\u5148\u3059\u308b\u30df\u30ec\u30cb\u30a2\u30eb\u4e16\u4ee3\u306b\u5171\u9cf4\u3057\u307e\u3059\u3002<\/p><p>\u30b2\u30fc\u30df\u30d5\u30a3\u30b1\u30fc\u30b7\u30e7\u30f3\u306f\u30a8\u30f3\u30b2\u30fc\u30b8\u30e1\u30f3\u30c8\u3092\u3055\u3089\u306b\u9ad8\u3081\u307e\u3059\u3002\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u4f01\u696d\u306fAI\u3092\u30a2\u30d7\u30ea\u306b\u6d3b\u7528\u3057\u3001\u7d99\u7d9a\u7684\u306b\u6295\u8cc7\u3059\u308b\u3053\u3068\u3067\u30e6\u30fc\u30b6\u30fc\u306b\u5831\u916c\u3092\u4e0e\u3048\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u5bcc\u3092\u7bc9\u304f\u3053\u3068\u304c\u5bb6\u4e8b\u3067\u306f\u306a\u304f\u7fd2\u6163\u306b\u306a\u308a\u307e\u3059\u3002\u30ea\u30fc\u30c0\u30fc\u30dc\u30fc\u30c9\u3001\u9054\u6210\u30d0\u30c3\u30b8\u3001\u507d\u306e\u53d6\u5f15\u8a2d\u5b9a\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30a4\u30f3\u30bf\u30e9\u30af\u30b7\u30e7\u30f3\u3092\u697d\u3057\u3080\u4e16\u4ee3\u3092\u60f9\u304d\u3064\u3051\u307e\u3059\u3002<\/p><h3><strong>\u5148\u99c6\u8005\u3092\u542b\u3080\u30b1\u30fc\u30b9\u30b9\u30bf\u30c7\u30a3<\/strong><\/h3><p><strong>\u30a6\u30a7\u30eb\u30b9\u30ca\u30d3<\/strong>&nbsp;exemplifies this fusion of AI and accessibility. The platform&rsquo;s algorithm builds diverse portfolios. It considers users&rsquo; risk tolerance and financial goals. What makes it unique is how it explains complex investment ideas with clear visuals. This aligns with millennials&rsquo; desire for transparency. <a href=\"https:\/\/post.tokyoipo.com\/tdnet\/20230419\/202304191500\/20230308527354\/140120230308527354.pdf\" data-no-translation=\"\">WealthNavi<\/a> has rapidly grown, managing over &yen;800 billion ($5.4 billion USD) in assets as of early 2024.<\/p><p><strong>\u30d5\u30a9\u30ea\u30aa<\/strong>&nbsp;has carved a niche with thematic investing. Its AI uses natural language processing to scan news and social trends. It finds new sectors like renewable energy and AI-driven healthcare. Users can invest in curated &ldquo;theme-based&rdquo; portfolios. This helps them align their financial goals with their personal values. Research by <a href=\"https:\/\/www.mckinsey.com\/industries\/consumer-packaged-goods\/our-insights\/true-gen-generation-z-and-its-implications-for-companies\" data-no-translation=\"\">McKinsey<\/a> \u4e16\u754c\u306eZ\u4e16\u4ee3\u6d88\u8cbb\u8005\u306e70%\u304c\u3001\u8cfc\u8cb7\u6c7a\u5b9a\u6642\u306b\u6301\u7d9a\u53ef\u80fd\u6027\u3092\u512a\u5148\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u660e\u3089\u304b\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/p><p><strong>\u30de\u30cd\u30fc\u30fb\u30d5\u30a9\u30ef\u30fc\u30c9<\/strong>&nbsp;\u91d1\u878d\u30ea\u30c6\u30e9\u30b7\u30fc\u306e\u683c\u5dee\u306b\u5bfe\u51e6\u3002\u305d\u306eAI\u30a2\u30d7\u30ea\u306f\u3001\u9280\u884c\u53e3\u5ea7\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3001\u6295\u8cc7\u306e\u30c7\u30fc\u30bf\u3092\u53ce\u96c6\u3057\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u30e6\u30fc\u30b6\u30fc\u306f\u81ea\u5206\u306e\u8ca1\u52d9\u3092\u5b8c\u5168\u306b\u628a\u63e1\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u4e88\u6e2c\u5206\u6790\u306f\u6709\u7528\u306a\u6d1e\u5bdf\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002\u4f8b\u3048\u3070\u3001\u652f\u51fa\u306e\u7fd2\u6163\u3092\u5909\u3048\u308b\u624b\u52a9\u3051\u3092\u3057\u3066\u304f\u308c\u307e\u3059\u3002\u305d\u3046\u3059\u308c\u3070\u3001\u30de\u30a4\u30af\u30ed\u6295\u8cc7\u306e\u305f\u3081\u306b\u304a\u91d1\u3092\u8caf\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p><p>These platforms share a common thread: they demystify investing. By prioritizing user experience and leveraging AI to handle complexity, they&rsquo;ve turned skepticism into enthusiasm among younger demographics.<\/p><h3><strong>\u30ea\u30b9\u30af\u56de\u907f\u578b\u5e02\u5834\u3067\u306e\u6311\u6226<\/strong><\/h3><p>Despite their momentum, FinTech startups face hurdles. Japan&rsquo;s regulatory environment, designed to protect consumers, often stifles innovation. Licensing rules and data privacy laws slow down product launches. Startups must use resources for compliance instead of R&amp;D.<\/p><p>\u3082\u3046\u3072\u3068\u3064\u306e\u969c\u58c1\u306f\u4fe1\u983c\u3067\u3059\u3002\u5bfe\u9762\u5f0f\u30d0\u30f3\u30ad\u30f3\u30b0\u306b\u6163\u308c\u89aa\u3057\u3093\u3060\u9ad8\u9f62\u8005\u5c64\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u30fb\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u7591\u3044\u306e\u76ee\u3067\u898b\u3066\u3044\u307e\u3059\u3002\u65b0\u8208\u4f01\u696d\u306f\u65e2\u5b58\u306e\u91d1\u878d\u6a5f\u95a2\u3068\u63d0\u643a\u3059\u308b\u3053\u3068\u3067\u3053\u308c\u306b\u5bfe\u6297\u3057\u3066\u3044\u307e\u3059\u3002FinTech\u4f01\u696d\u3068\u5730\u65b9\u9280\u884c\u306e\u30b3\u30e9\u30dc\u30ec\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u6280\u8853\u7684\u306a\u30b9\u30d4\u30fc\u30c9\u3068\u4fe1\u983c\u3092\u30df\u30c3\u30af\u30b9\u3057\u3066\u3044\u307e\u3059\u3002<\/p><p>\u5e02\u5834\u306e\u98fd\u548c\u306f\u3001\u3088\u308a\u5fae\u5999\u306a\u30ea\u30b9\u30af\u3092\u3082\u305f\u3089\u3057\u307e\u3059\u3002\u65b0\u8208\u4f01\u696d\u306e\u53c2\u5165\u304c\u5897\u3048\u308c\u3070\u3001\u5dee\u5225\u5316\u304c\u91cd\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u6210\u529f\u3057\u3066\u3044\u308b\u4f01\u696d\u306f\u3001ESG\u6295\u8cc7\u3084\u6697\u53f7\u901a\u8ca8\u306e\u3088\u3046\u306a\u30cb\u30c3\u30c1\u306a\u5206\u91ce\u306bAI\u3092\u7d44\u307f\u8fbc\u3093\u3067\u3044\u307e\u3059\u3002\u4e00\u822c\u7684\u306a\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3067\u306f\u306a\u304f\u3001\u7279\u5b9a\u306e\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306b\u7126\u70b9\u3092\u5f53\u3066\u3066\u3044\u307e\u3059\u3002<\/p><h3><strong>AI\u306e\u524d\u9014\u3068\u91d1\u878d\u306e\u672a\u6765<\/strong><\/h3><p>Japan&rsquo;s FinTech sector relies on two main factors: the adaptability of regulations and the evolution of technology. Policymakers are starting to see the value of a sandbox approach. The Ministry of Economy, Trade and Industry (<a href=\"https:\/\/www.meti.go.jp\/english\/press\/2024\/0405_001.html\" data-no-translation=\"\">METI<\/a>)\u306f\u3001AI\u3084FinTech\u306e\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u8fc5\u901f\u306b\u9032\u3081\u308b\u305f\u3081\u306b\u3001\u3053\u306e\u3088\u3046\u306a\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u3092\u5968\u52b1\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u65b0\u8208\u4f01\u696d\u306f\u5b89\u5168\u3067\u7ba1\u7406\u3055\u308c\u305f\u74b0\u5883\u3067\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u30c6\u30b9\u30c8\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306a\u63aa\u7f6e\u306f\u3001\u6d88\u8cbb\u8005\u306e\u5229\u76ca\u3092\u5b88\u308a\u3064\u3064\u3001AI\u306e\u5c0e\u5165\u3092\u52a0\u901f\u3055\u305b\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p><p>\u6280\u8853\u7684\u306b\u306f\u3001\u30b8\u30a7\u30cd\u30ec\u30fc\u30c6\u30a3\u30d6AI\u306e\u9032\u6b69\u306f\u3001\u8d85\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u91d1\u878d\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u7d04\u675f\u3057\u307e\u3059\u3002\u4e16\u754c\u7684\u306a\u51fa\u6765\u4e8b\u304b\u3089\u5e02\u5834\u306e\u72b6\u6cc1\u3092\u6a21\u5023\u3059\u308b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u8003\u3048\u3066\u307f\u307e\u3057\u3087\u3046\u3002\u307e\u305f\u3001\u500b\u4eba\u306e\u30cb\u30fc\u30ba\u306b\u5408\u308f\u305b\u3066\u7a0e\u91d1\u306e\u30ed\u30b9\u30ab\u30c3\u30c8\u3092\u81ea\u52d5\u5316\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u3002<\/p><p>For business leaders, the implications are clear. Partnering with FinTech startups helps modernize services and attract millennial loyalty. Investing in AI infrastructure ensures scalability. In today&rsquo;s market, personalization is an expectation, not a luxury.<\/p><h3><strong>\u91d1\u878d\u5305\u6442\u306e\u65b0\u6642\u4ee3<\/strong><\/h3><p><img decoding=\"async\" class=\"alignnone size-full wp-image-10326\" src=\"https:\/\/itbusinesstoday.com\/wp-content\/uploads\/2025\/04\/How-Japans-FinTech-Startups-Are-Using-AI-to-Tackle-Micro-Investment-Trends-Among-Millennials-03-1.webp\" alt=\"Japan&rsquo;s FinTechs Use AI \" width=\"1200\" height=\"800\"><\/p><p>Japan&rsquo;s FinTech revolution is more than a disruption; it&rsquo;s a blueprint for inclusive finance. Startups are using AI to break down barriers. This makes wealth-building opportunities available to everyday people. For millennials, this means empowerment through technology. For leaders, it&rsquo;s a call to embrace innovation or risk obsolescence.<\/p><p>As AI continues to evolve, its role in finance will only deepen. The startups leading this change aren&rsquo;t just selling products. They&rsquo;re also promoting a cultural shift toward financial literacy and independence. In a nation often resistant to change, that&rsquo;s a paradigm shift worth investing in.<\/p>","protected":false},"excerpt":{"rendered":"<p>In Japan&rsquo;s fast-evolving financial landscape, a quiet revolution is unfolding. Millennials are known for being tech-savvy and skeptical of traditional finance. So, they are now using micro-investing platforms to build their wealth. Homegrown FinTech startups are leading this change. They use artificial intelligence to make investment opportunities accessible to everyone. These innovators challenge traditional banking norms. They also reshape how a generation views financial planning. For business leaders in Japan, understanding this trend is crucial. AI-driven solutions are now key to building consumer trust in the market. Staying relevant means adapting to these changes.The Cultural and Economic Shift Fueling Micro-InvestingJapan&rsquo;s aging population and prolonged economic stagnation have long dominated financial [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":10323,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"wprm-recipe-roundup-name":"","wprm-recipe-roundup-description":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[1,180,201],"tags":[218,176,2821,3687,1343,3688,1011],"ppma_author":[324],"class_list":["post-10322","post","type-post","status-publish","format-standard","has-post-thumbnail","category-fintech","category-knowledge-hub","category-staff-writers","tag-ai","tag-fintech","tag-japanesetech","tag-micro-investing","tag-startup","tag-tech-savvy","tag-wealth-management"],"yoast_head":"<!-- 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