{"id":25647,"date":"2025-12-19T12:25:23","date_gmt":"2025-12-19T12:25:23","guid":{"rendered":"https:\/\/itbusinesstoday.com\/?p=25647"},"modified":"2025-12-19T12:25:23","modified_gmt":"2025-12-19T12:25:23","slug":"embedded-finance-in-japan-how-retailers-are-expanding-revenue-through-fintech-partnerships","status":"publish","type":"post","link":"https:\/\/itbusinesstoday.com\/ja\/fintech\/embedded-finance-in-japan-how-retailers-are-expanding-revenue-through-fintech-partnerships\/","title":{"rendered":"\u65e5\u672c\u306b\u304a\u3051\u308b\u30a8\u30f3\u30d9\u30c7\u30c3\u30c9\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\uff1aFinTech\u3068\u306e\u63d0\u643a\u306b\u3088\u308b\u5c0f\u58f2\u4f01\u696d\u306e\u53ce\u76ca\u62e1\u5927\u4e8b\u4f8b"},"content":{"rendered":"

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\u65e5\u672c\u306f\u3042\u308b\u671d\u76ee\u899a\u3081\u3066\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u904a\u3073\u5834\u306b\u306a\u308b\u3068\u6c7a\u3081\u305f\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u306e\u30b7\u30d5\u30c8\u306f\u3001\u3086\u3063\u304f\u308a\u3068\u3001\u610f\u56f3\u7684\u306b\u3001\u653f\u7b56\u4e3b\u5c0e\u3067\u884c\u308f\u308c\u307e\u3057\u305f\u3002\u4f55\u5e74\u3082\u306e\u9593\u3001\u65e5\u5e38\u751f\u6d3b\u3092\u652f\u914d\u3057\u3066\u3044\u305f\u306e\u306f\u73fe\u91d1\u3067\u3057\u305f\u3002\u5c01\u7b52\u3002\u786c\u8ca8\u3002\u5c0f\u92ad\u3002\u305d\u306e\u6587\u5316\u306f\u4eca\u3001\u58ca\u308c\u308b\u3069\u3053\u308d\u304b\u66f2\u304c\u3063\u3066\u3044\u307e\u3059\u3002.<\/p>\n

\u6700\u521d\u306e\u5f8c\u62bc\u3057\u306f\u30c8\u30c3\u30d7\u304b\u3089\u3067\u3057\u305f\u3002\u7d4c\u6e08\u7523\u696d\u7701\u306f\u30c7\u30b8\u30bf\u30eb\u5316\u3092\u56fd\u5bb6\u306e\u512a\u5148\u8ab2\u984c\u3068\u3057\u307e\u3057\u305f\u3002\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u6c7a\u6e08\u306f\u5229\u4fbf\u6027\u3060\u3051\u3067\u306a\u304f\u3001\u7d4c\u6e08\u30a4\u30f3\u30d5\u30e9\u3068\u3057\u3066\u4f4d\u7f6e\u3065\u3051\u3089\u308c\u307e\u3057\u305f\u3002\u305d\u306e\u7d50\u679c\u3001\u5c0e\u5165\u30d7\u30ed\u30bb\u30b9\u306f\u4e00\u8cab\u3057\u3066\u9032\u5c55\u3002\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u53d6\u5f15\u306e\u5272\u5408\u306f\u30012010\u5e74\u306e\u308f\u305a\u304b13.2%\u304b\u3089\u3001\u63a8\u8a08\u3067 42.8%<\/a> \u30922024\u5e74\u306b\u9054\u6210\u3002\u3053\u308c\u306f\u653f\u5e9c\u81ea\u8eab\u306e\u76ee\u6a19\u3088\u308a\u3082\u65e9\u304f\u9054\u6210\u3055\u308c\u305f\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002\u3053\u306e\u6570\u5b57\u304c\u91cd\u8981\u306a\u306e\u306f\u3001\u6280\u8853\u7684\u306a\u5229\u7528\u53ef\u80fd\u6027\u3060\u3051\u3067\u306a\u304f\u3001\u7fd2\u6163\u306e\u5909\u5316\u3092\u793a\u3057\u3066\u3044\u308b\u304b\u3089\u3067\u3059\u3002.<\/p>\n

\u3057\u304b\u3057\u3001\u652f\u6255\u3044\u306f\u8868\u5c64\u306b\u904e\u304e\u307e\u305b\u3093\u3002\u540c\u6642\u306b\u3001\u65e5\u672c\u306f\u3082\u3063\u3068\u9759\u304b\u306a\u77db\u76fe\u306b\u3082\u76f4\u9762\u3057\u3066\u3044\u307e\u3059\u3002\u5bb6\u8a08\u304c\u4fdd\u6709\u3059\u308b\u8cc7\u7523\u306f 2,200\u5146\u5186<\/a> \u91d1\u878d\u8cc7\u7523\u306e\u534a\u5206\u4ee5\u4e0a\u306f\u307e\u3060\u73fe\u91d1\u3084\u9810\u91d1\u3067\u3059\u3002\u3053\u308c\u306f\u30ea\u30b9\u30af\u9078\u597d\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u60f0\u6027\u306a\u306e\u3067\u3059\u3002\u4eba\u3005\u306f\u5b89\u5168\u6027\u3092\u6c42\u3081\u308b\u3068\u540c\u6642\u306b\u3001\u30b7\u30f3\u30d7\u30eb\u3055\u3082\u6c42\u3081\u3066\u3044\u307e\u3059\u3002\u4f1d\u7d71\u7684\u306a\u9280\u884c\u306f\u3053\u3053\u3067\u82e6\u6226\u3057\u3066\u3044\u307e\u3059\u3002\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30a4\u30b9\u304c\u9060\u3044\u3002\u5546\u54c1\u3082\u62bd\u8c61\u7684\u3002.<\/p>\n

\u305d\u306e\u30ae\u30e3\u30c3\u30d7\u3092\u57cb\u3081\u308b\u306e\u304c\u5c0f\u58f2\u696d\u3067\u3059\u3002\u30b3\u30f3\u30d3\u30cb\u306f\u91d1\u878d\u6a5f\u95a2\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u4fe1\u983c\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3042\u306a\u305f\u306f\u6bce\u65e5\u30b3\u30f3\u30d3\u30cb\u3092\u8a2a\u308c\u307e\u3059\u3002\u304a\u91d1\u3092\u88dc\u5145\u3057\u3001\u8acb\u6c42\u66f8\u3092\u652f\u6255\u3044\u3001\u30dd\u30a4\u30f3\u30c8\u3092\u4ea4\u63db\u3057\u3001\u6469\u64e6\u306a\u304f\u554f\u984c\u3092\u89e3\u6c7a\u3057\u307e\u3059\u3002\u305d\u3057\u3066\u5f90\u3005\u306b\u89aa\u5bc6\u3055\u304c\u5897\u3057\u3066\u3044\u304f\u306e\u3067\u3059\u3002\u697d\u5929\u306e\u3088\u3046\u306aE\u30b3\u30de\u30fc\u30b9\u306e\u5de8\u4eba\u306f\u3001\u8cb7\u3044\u7269\u3001\u652f\u6255\u3044\u3001\u7279\u5178\u306e\u771f\u3093\u4e2d\u306b\u81ea\u3089\u3092\u4f4d\u7f6e\u3065\u3051\u308b\u3053\u3068\u3067\u3001\u3055\u3089\u306b\u4e00\u6b69\u9032\u3093\u3067\u3044\u307e\u3059\u3002\u305d\u306e\u7d50\u679c\u3001\u304a\u91d1\u306b\u307e\u3064\u308f\u308b\u30a4\u30d9\u30f3\u30c8\u306f\u9280\u884c\u3067\u306f\u306a\u304f\u3001\u3088\u308a\u751f\u6d3b\u306b\u5bc6\u7740\u3057\u305f\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u3002.<\/p>\n

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\u3053\u3061\u3089\u3082\u304a\u8aad\u307f\u304f\u3060\u3055\u3044\uff1a \u65e5\u672c\u306e\u30d0\u30f3\u30ad\u30f3\u30b02.0\u6642\u4ee3\u3092\u5909\u9769\u3059\u308b\u30c8\u30c3\u30d7\u30fb\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30fb\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3<\/a><\/strong><\/h3>\n

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\"Embedded<\/p>\n

\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u304c\u62bd\u8c61\u7684\u306b\u805e\u3053\u3048\u306a\u304f\u306a\u308a\u3001\u6a5f\u68b0\u7684\u306b\u898b\u3048\u59cb\u3081\u308b\u306e\u306f\u3053\u3053\u304b\u3089\u3067\u3059\u3002\u9b54\u6cd5\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8a87\u5927\u5e83\u544a\u3067\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u518d\u73fe\u53ef\u80fd\u306a\u30d1\u30bf\u30fc\u30f3\u3002.<\/p>\n

\u305d\u308c\u306f\u901a\u5e38\u3001\u5c0f\u3055\u306a\u3053\u3068\u304b\u3089\u59cb\u307e\u308a\u307e\u3059\u3002\u30ed\u30a4\u30e4\u30ea\u30c6\u30a3\u30fb\u30dd\u30a4\u30f3\u30c8\u3002\u7121\u5bb3\u3067\u3057\u3087\u3002\u5272\u5f15\u3001\u7121\u6599\u3001\u307e\u305f\u6765\u308b\u7406\u7531\u3002\u305d\u3057\u3066\u3001\u305d\u306e\u30dd\u30a4\u30f3\u30c8\u306f\u30c7\u30b8\u30bf\u30eb\u5316\u3055\u308c\u307e\u3059\u3002\u30a2\u30d7\u30ea\u306e\u4e2d\u3067\u751f\u6d3b\u3059\u308b\u3088\u3046\u306b\u306a\u308c\u3070\u3001\u305d\u308c\u306f\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u3067\u306f\u306a\u304f\u3001\u304a\u91d1\u306e\u3088\u3046\u306b\u632f\u308b\u821e\u3044\u59cb\u3081\u307e\u3059\u3002\u305d\u3053\u304b\u3089\u30a6\u30a9\u30ec\u30c3\u30c8\u306b\u79fb\u884c\u3059\u308b\u306e\u306f\u81ea\u7136\u306a\u6d41\u308c\u3067\u3059\u3002\u4fa1\u5024\u3092\u30ed\u30fc\u30c9\u3002\u652f\u6255\u3044\u3082\u65e9\u304f\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u80cc\u5f8c\u306b\u3042\u308b\u9280\u884c\u306b\u3064\u3044\u3066\u8003\u3048\u306a\u304f\u306a\u308a\u307e\u3059\u3002.<\/p>\n

\u6b21\u306b\u30af\u30ec\u30b8\u30c3\u30c8\u5c64\u3002\u30a2\u30d7\u30ea\u3068\u9023\u52d5\u3057\u305f\u30d6\u30e9\u30f3\u30c9\u30ab\u30fc\u30c9\u3002\u7279\u5178\u306e\u81ea\u52d5\u9069\u7528\u3002\u660e\u7d30\u66f8\u306e\u7c21\u7d20\u5316\u3002\u7a81\u7136\u3001\u5c0f\u58f2\u696d\u8005\u306f\u3042\u306a\u305f\u304c\u4f55\u3092\u8cb7\u3063\u305f\u304b\u3060\u3051\u3067\u306a\u304f\u3001\u3069\u306e\u3088\u3046\u306b\u652f\u6255\u3063\u305f\u304b\u3001\u3069\u306e\u304f\u3089\u3044\u306e\u983b\u5ea6\u3067\u652f\u6255\u3063\u305f\u304b\u3092\u8ffd\u8de1\u3059\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u5f8c\u3001\u9280\u884c\u3001\u6295\u8cc7\u3001\u4fdd\u967a\u3067\u3055\u3048\u3082\u5927\u304d\u306a\u98db\u8e8d\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5358\u306a\u308b\u8ffd\u52a0\u30bf\u30d6\u3067\u3059\u3002.<\/p>\n

\u305d\u308c\u304c\u30b9\u30fc\u30d1\u30fc\u30a2\u30d7\u30ea\u306e\u9032\u5316\u3002\u30dd\u30a4\u30f3\u30c8\u304b\u3089\u652f\u6255\u3044\u3001\u305d\u3057\u3066\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3078\u3002\u30b9\u30c6\u30c3\u30d7\u30fb\u30d0\u30a4\u30fb\u30b9\u30c6\u30c3\u30d7\u3002\u30e6\u30fc\u30b6\u30fc\u306b\u30b7\u30e7\u30c3\u30af\u3092\u4e0e\u3048\u307e\u305b\u3093\u3002.<\/p>\n

\u697d\u5929\u306f\u3001\u3053\u308c\u304c\u5927\u898f\u6a21\u306b\u6a5f\u80fd\u3057\u3066\u3044\u308b\u6700\u3082\u30af\u30ea\u30fc\u30f3\u306a\u4f8b\u3067\u3059\u3002.<\/p>\n

\u697d\u5929\u30dd\u30a4\u30f3\u30c8\u306f\u30af\u30fc\u30dd\u30f3\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u3001\u65c5\u884c\u3001\u6c7a\u6e08\u3001\u91d1\u878d\u306a\u3069\u3001\u3042\u3089\u3086\u308b\u5834\u9762\u3067\u6e96\u901a\u8ca8\u306e\u3088\u3046\u306b\u6271\u308f\u308c\u307e\u3059\u3002\u3069\u3053\u3067\u3082\u8caf\u3081\u3089\u308c\u307e\u3059\u3002\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u5185\u306e\u3069\u3053\u3067\u3067\u3082\u4f7f\u3048\u307e\u3059\u3002\u6642\u9593\u306e\u7d4c\u904e\u3068\u3068\u3082\u306b\u3001\u30e6\u30fc\u30b6\u30fc\u306f\u6700\u9069\u5316\u3092\u6b62\u3081\u307e\u3059\u3002\u305d\u308c\u304c\u30c7\u30d5\u30a9\u30eb\u30c8\u3067\u3059\u3002.<\/p>\n

\u4f1d\u7d71\u7684\u306a\u9280\u884c\u304c\u82e6\u6226\u3092\u5f37\u3044\u3089\u308c\u3066\u3044\u308b\u306e\u306f\u3053\u306e\u70b9\u3067\u3059\u3002\u9280\u884c\u306f\u5546\u54c1\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002\u697d\u5929\u306f\u7d99\u7d9a\u6027\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002.<\/p>\n

\u305d\u306e\u7d99\u7d9a\u6027\u306f\u6570\u5b57\u306b\u3082\u8868\u308c\u3066\u3044\u307e\u3059\u3002\u697d\u5929\u8a3c\u5238\u306f 1300\u4e07\u30c9\u30eb<\/a> \u65e5\u672c\u6700\u5927\u306e\u8a3c\u5238\u7dcf\u5408\u53e3\u5ea7\u305d\u308c\u306f\u3001\u4eba\u3005\u304c\u7a81\u7136\u6295\u8cc7\u3092\u597d\u304d\u306b\u306a\u3063\u305f\u304b\u3089\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4eba\u3005\u304c\u3059\u3067\u306b\u4fe1\u983c\u3057\u3001\u65e5\u5e38\u7684\u306b\u4f7f\u3063\u3066\u3044\u308b\u30b7\u30b9\u30c6\u30e0\u306e\u4e2d\u306b\u6295\u8cc7\u304c\u73fe\u308c\u305f\u304b\u3089\u3067\u3059\u3002\u6469\u64e6\u304c\u306a\u304f\u306a\u3063\u305f\u306e\u3067\u3059\u3002.<\/p>\n

\u30dd\u30a4\u30f3\u30c8\u306f\u91d1\u5229\u306b\u306f\u306a\u3044\u7c98\u7740\u6027\u3092\u751f\u307f\u51fa\u3057\u307e\u3059\u3002\u4e00\u5ea6\u5229\u7528\u8005\u304c\u5b9a\u7740\u3059\u308b\u3068\u3001\u96e2\u8131\u3059\u308b\u306e\u306f\u975e\u52b9\u7387\u7684\u3067\u3059\u3002.<\/p>\n

\u30bb\u30d6\u30f3\u9280\u884c\u306f\u5225\u306e\u9053\u3092\u6b69\u307f\u307e\u3057\u305f\u304c\u3001\u8ad6\u7406\u306f\u4f3c\u3066\u3044\u307e\u3059\u3002\u30c7\u30b8\u30bf\u30eb\u304b\u3089\u59cb\u3081\u308b\u4ee3\u308f\u308a\u306b\u3001\u7269\u7406\u7684\u306a\u5b58\u5728\u611f\u3092\u6d3b\u7528\u3057\u305f\u306e\u3067\u3059\u3002\u30bb\u30d6\u30f3\u30fb\u30a4\u30ec\u30d6\u30f3\u306e\u5e97\u5185\u306b\u3042\u308bATM\u304c\u91d1\u878d\u306e\u30bf\u30c3\u30c1\u30dd\u30a4\u30f3\u30c8\u306b\u306a\u3063\u305f\u306e\u3067\u3059\u3002\u9ad8\u3044\u30c8\u30e9\u30d5\u30a3\u30c3\u30af\u3002\u9ad8\u3044\u4fe1\u983c\u3002\u9ad8\u3044\u7a3c\u50cd\u7387\u3002\u6642\u9593\u306e\u7d4c\u904e\u3068\u3068\u3082\u306b\u3001ATM\u306f\u73fe\u91d1\u81ea\u52d5\u9810\u3051\u6255\u3044\u6a5f\u304b\u3089\u30a4\u30f3\u30d5\u30e9\u3078\u3068\u9032\u5316\u3057\u307e\u3057\u305f\u3002\u672c\u4eba\u78ba\u8a8d\u3002\u9001\u91d1\u3002\u9854\u8a8d\u8a3c\u3084\u6b21\u4e16\u4ee3\u30b5\u30fc\u30d3\u30b9\u306e\u5b9f\u9a13\u3002\u5c0f\u58f2\u5e97\u306e\u8db3\u5143\u306b\u96a0\u308c\u305f\u30d0\u30f3\u30ad\u30f3\u30b0\u3002.<\/p>\n

\u30a4\u30aa\u30f3\u30d5\u30a3\u30ca\u30f3\u30b7\u30e3\u30eb\u30b5\u30fc\u30d3\u30b9\u306f\u98df\u6599\u54c1\u3068\u540c\u3058\u9053\u3092\u305f\u3069\u308a\u307e\u3057\u305f\u3002\u6bce\u9031\u306e\u8cb7\u3044\u7269\u304c\u6bce\u6708\u306e\u660e\u7d30\u66f8\u306b\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u30b9\u30fc\u30d1\u30fc\u30de\u30fc\u30b1\u30c3\u30c8\u306e\u5229\u7528\u984d\u3068\u9023\u52d5\u3002\u305d\u3057\u3066\u30ed\u30fc\u30f3\u3002\u305d\u3057\u3066\u9280\u884c\u3002\u91d1\u878d\u306f\u65e5\u5e38\u7684\u306a\u6d88\u8cbb\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3001\u5225\u500b\u306e\u610f\u601d\u6c7a\u5b9a\u3068\u3057\u3066\u4f4d\u7f6e\u3065\u3051\u3089\u308c\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002.<\/p>\n

\u7570\u306a\u308b\u30d1\u30b9\u3002\u540c\u3058\u30e1\u30ab\u30cb\u30ba\u30e0\u3002.<\/p>\n

\u5c0f\u58f2\u696d\u306f\u3001\u30e6\u30fc\u30b6\u30fc\u306b\u884c\u52d5\u306e\u5207\u308a\u66ff\u3048\u3092\u6c42\u3081\u307e\u305b\u3093\u3002\u305d\u308c\u3092\u62e1\u5f35\u3059\u308b\u306e\u3067\u3059\u3002\u305d\u308c\u304c\u672c\u5f53\u306e\u65b9\u6cd5\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u305d\u308c\u3053\u305d\u304c\u3053\u306e\u30e2\u30c7\u30eb\u304c\u30b9\u30b1\u30fc\u30eb\u3059\u308b\u7406\u7531\u306a\u306e\u3067\u3059\u3002.<\/p>\n

\u5c0f\u58f2\u696d\u8005\u306b\u3068\u3063\u3066\u306e\u6226\u7565\u7684\u30e1\u30ea\u30c3\u30c8<\/h2>\n

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\u5c0f\u58f2\u5e97\u306e\u5229\u5e45\u306f\u8584\u304f\u3001\u8ab0\u3082\u304c\u305d\u308c\u3092\u77e5\u3063\u3066\u3044\u307e\u3059\u3002\u4fa1\u683c\u7af6\u4e89\u3001\u7269\u6d41\u30b3\u30b9\u30c8\u3001\u5229\u76ca\u3092\u98df\u3044\u3064\u3076\u3059\u30d7\u30ed\u30e2\u30fc\u30b7\u30e7\u30f3\u3002\u91d1\u878d\u5546\u54c1\u306f\u305d\u306e\u65b9\u7a0b\u5f0f\u3092\u8986\u3057\u307e\u3059\u3002\u70ba\u66ff\u624b\u6570\u6599\u3001\u8cb8\u4ed8\u91d1\u5229\u3001\u4fdd\u967a\u624b\u6570\u6599\u306f\u3001\u98df\u6599\u54c1\u3084\u30ac\u30b8\u30a7\u30c3\u30c8\u3092\u8ca9\u58f2\u3059\u308b\u3088\u308a\u3082\u306f\u308b\u304b\u306b\u9ad8\u3044\u30de\u30fc\u30b8\u30f3\u3092\u3082\u305f\u3089\u3057\u307e\u3059\u3002\u91d1\u878d\u304c\u30df\u30c3\u30af\u30b9\u306b\u52a0\u308f\u308c\u3070\u3001\u5c0f\u58f2\u4f01\u696d\u306f\u4fa1\u683c\u3060\u3051\u3067\u6226\u3046\u3053\u3068\u3092\u6b62\u3081\u307e\u3059\u3002\u5c0f\u58f2\u696d\u8005\u306f\u3001\u9867\u5ba2\u304c\u8cfc\u5165\u3057\u305f\u5546\u54c1\u3092\u652f\u6255\u3063\u305f\u308a\u3001\u501f\u308a\u305f\u308a\u3001\u4fdd\u8b77\u3057\u305f\u308a\u3059\u308b\u3053\u3068\u3067\u5229\u76ca\u3092\u5f97\u308b\u3088\u3046\u306b\u306a\u308b\u306e\u3067\u3059\u3002.<\/p>\n

\u3057\u304b\u3057\u3001\u53ce\u76ca\u306f\u6700\u521d\u306e\u5c64\u306b\u3059\u304e\u307e\u305b\u3093\u3002.<\/p>\n

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\u8cfc\u8cb7\u884c\u52d5\u3068\u652f\u6255\u3044\u884c\u52d5\u304c\u4e00\u81f4\u3059\u308c\u3070\u3001\u4fe1\u7528\u306f\u4e00\u822c\u7684\u306a\u3082\u306e\u3067\u306f\u306a\u304f\u306a\u308a\u307e\u3059\u3002Buy Now Pay Later\u306e\u6c7a\u5b9a\u306f\u3001\u62bd\u8c61\u7684\u306a\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u3060\u3051\u3067\u306a\u304f\u3001\u5b9f\u969b\u306e\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u30d1\u30bf\u30fc\u30f3\u3092\u53cd\u6620\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002A \u304a\u5ba2\u69d8<\/a> \u6bce\u6708\u7d19\u304a\u3080\u3064\u3092\u8cb7\u3046\u3088\u3046\u306a\u4eba\u306f\u3001\u30b9\u30d7\u30ec\u30c3\u30c9\u30b7\u30fc\u30c8\u3067\u306f\u8aac\u660e\u3067\u304d\u306a\u3044\u3088\u3046\u306a\u4f4e\u30ea\u30b9\u30af\u3067\u3059\u3002\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306f\u3001\u65e5\u5e38\u7684\u306a\u884c\u52d5\u3092\u9759\u304b\u306b\u7d99\u7d9a\u7684\u306b\u5f15\u53d7\u30b7\u30b0\u30ca\u30eb\u306b\u5909\u3048\u307e\u3059\u3002.<\/p>\n

\u3053\u308c\u306b\u3088\u308a\u3001\u9867\u5ba2\u751f\u6daf\u4fa1\u5024\u3082\u518d\u69cb\u7bc9\u3055\u308c\u307e\u3059\u3002.<\/p>\n

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\u5c0f\u58f2\u4f01\u696d\u306f\u3082\u306f\u3084\u91d1\u878d\u306e\u7aef\u3063\u3053\u306b\u7acb\u3063\u3066\u3044\u308b\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3059\u3067\u306b\u305d\u306e\u4e2d\u306b\u3044\u308b\u306e\u3067\u3059\u3002\u672c\u5f53\u306e\u7af6\u4e89\u306f\u3001\u8ab0\u304c\u3088\u308a\u5b89\u304f\u3001\u3088\u308a\u65e9\u304f\u8ca9\u58f2\u3059\u308b\u304b\u3068\u3044\u3046\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8cfc\u5165\u306b\u307e\u3064\u308f\u308b\u91d1\u878d\u30ec\u30a4\u30e4\u30fc\u3092\u8ab0\u304c\u6240\u6709\u3059\u308b\u304b\u3068\u3044\u3046\u3053\u3068\u306a\u306e\u3067\u3059\u3002\u652f\u6255\u3044\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u3001\u7279\u5178\u3001\u8caf\u84c4\u306f\u3001\u540c\u3058\u65c5\u306e\u4e00\u90e8\u3068\u306a\u308a\u3064\u3064\u3042\u308a\u307e\u3059\u3002.<\/p>\n

\u4eca\u5f8c\u3001\u3053\u306e\u30e2\u30c7\u30eb\u306f\u6d88\u8cbb\u8005\u306b\u3068\u3069\u307e\u308b\u3053\u3068\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u3002\u5c0f\u58f2\u4f01\u696d\u306f\u3001\u30b5\u30d7\u30e9\u30a4\u30e4\u30fc\u3084\u30d1\u30fc\u30c8\u30ca\u30fc\u306b\u3082\u7d44\u307f\u8fbc\u307f\u91d1\u878d\u3092\u62e1\u5927\u3059\u308b\u3053\u3068\u304c\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002\u77ed\u671f\u878d\u8cc7\u3001\u5728\u5eab\u878d\u8cc7\u3001\u6c7a\u6e08\u30c4\u30fc\u30eb\u306f\u3001B2B\u306e\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u306b\u9759\u304b\u306b\u79fb\u884c\u3059\u308b\u3067\u3057\u3087\u3046\u3002\u540c\u6642\u306b\u3001AI\u3092\u6d3b\u7528\u3057\u305f\u8cc7\u7523\u3084\u8caf\u84c4\u30c4\u30fc\u30eb\u304c\u30b7\u30e7\u30c3\u30d4\u30f3\u30b0\u30a2\u30d7\u30ea\u5185\u306b\u767b\u5834\u3057\u59cb\u3081\u308b\u3067\u3057\u3087\u3046\u3002\u8907\u96d1\u306a\u30c0\u30c3\u30b7\u30e5\u30dc\u30fc\u30c9\u3068\u3057\u3066\u3067\u306f\u306a\u304f\u3001\u65e5\u3005\u306e\u652f\u51fa\u306b\u7d50\u3073\u3064\u3044\u305f\u30b7\u30f3\u30d7\u30eb\u306a\u30ca\u30c3\u30b8\u3068\u3057\u3066\u3002.<\/p>\n

\u305d\u308c\u3067\u3082\u3001, \u30c6\u30af\u30ce\u30ed\u30b8\u30fc<\/a> \u4e00\u4eba\u3067\u52dd\u8005\u304c\u6c7a\u307e\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4fe1\u983c\u304c\u6c7a\u3081\u308b\u306e\u3067\u3059\u3002\u65e5\u672c\u306e\u5c0f\u58f2\u4f01\u696d\u306f\u4f55\u5341\u5e74\u3082\u304b\u3051\u3066\u3001\u4e00\u8cab\u6027\u3068\u4fe1\u983c\u6027\u306b\u3088\u3063\u3066\u4fe1\u983c\u3092\u7372\u5f97\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u30a8\u30f3\u30d9\u30c7\u30a3\u30c3\u30c9\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u304c\u6a5f\u80fd\u3059\u308b\u306e\u306f\u3001\u305d\u306e\u4fe1\u983c\u304c\u5e97\u8217\u304b\u3089\u30d0\u30e9\u30f3\u30b9\u30b7\u30fc\u30c8\u3078\u3068\u5f15\u304d\u7d99\u304c\u308c\u308b\u5834\u5408\u3060\u3051\u3067\u3059\u3002\u4fe1\u7528\u3092\u5b88\u308b\u8005\u306f\u9280\u884c\u696d\u52d9\u3092\u518d\u5b9a\u7fa9\u3059\u308b\u3067\u3057\u3087\u3046\u3002\u4fe1\u7528\u3092\u5b88\u308b\u8005\u306f\u9280\u884c\u3092\u518d\u5b9a\u7fa9\u3057\u3001\u4fe1\u7528\u3092\u6025\u3050\u8005\u306f\u4fe1\u7528\u3092\u52dd\u3061\u53d6\u308b\u306e\u306f\u96e3\u3057\u304f\u3001\u5931\u3046\u306e\u306f\u7c21\u5358\u3067\u3042\u308b\u3053\u3068\u3092\u5229\u7528\u8005\u306b\u601d\u3044\u77e5\u3089\u305b\u308b\u3067\u3057\u3087\u3046\u3002.<\/p>","protected":false},"excerpt":{"rendered":"

Purchasing a bento box at a convenience store in Japan is no longer just a matter of going through the cashier. You can also tap, earn points, make partial payments, add money to your wallet and sometimes even pay a bill, all on the same screen. What looks like convenience is something bigger taking shape? Finance is sliding into everyday retail, almost unnoticed. This shift is powered by embedded finance. In simple terms, it means non-financial companies offering banking, lending, payments, or insurance through technology integrations. The bank still exists in the background, but the experience lives inside the retailer\u2019s app or store. APIs and banking-as-a-service make this possible without […]<\/p>\n","protected":false},"author":5,"featured_media":25648,"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":[10038,10037,10040,10039,8502,176,105,9768],"ppma_author":[324],"class_list":{"0":"post-25647","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-fintech","8":"category-knowledge-hub","9":"category-staff-writers","10":"tag-banking-revenue","11":"tag-cashless-apps","12":"tag-embedded-finance","13":"tag-embedded-finance-in-japan","14":"tag-financial-services","15":"tag-fintech","16":"tag-itbusinesstoday","17":"tag-retail"},"yoast_head":"\nEmbedded Finance in Japan: Retailers Boost Revenue via FinTech<\/title>\n<meta name=\"description\" content=\"How Japanese retailers embed finance into everyday shopping, turning points, payments, and trust into new banking revenue beyond cashless apps today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/itbusinesstoday.com\/ja\/fintech\/embedded-finance-in-japan-how-retailers-are-expanding-revenue-through-fintech-partnerships\/\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Embedded Finance in Japan: Retailers Boost Revenue via FinTech\" \/>\n<meta property=\"og:description\" content=\"How Japanese retailers embed finance into everyday shopping, turning points, payments, and trust into new banking revenue beyond cashless apps today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/itbusinesstoday.com\/ja\/fintech\/embedded-finance-in-japan-how-retailers-are-expanding-revenue-through-fintech-partnerships\/\" \/>\n<meta property=\"og:site_name\" content=\"itbusinesstoday\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-19T12:25:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/itbusinesstoday.com\/wp-content\/uploads\/2025\/12\/Embedded-Finance-in-Japan-How-Retailers-Are-Expanding-Revenue-Through-FinTech-Partnerships.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Amane Hoshimi\" \/>\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=\"Amane Hoshimi\" \/>\n\t<meta name=\"twitter:label2\" 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