{"id":35295,"date":"2026-06-26T11:10:54","date_gmt":"2026-06-26T11:10:54","guid":{"rendered":"https:\/\/itbusinesstoday.com\/?p=35295"},"modified":"2026-06-26T11:10:54","modified_gmt":"2026-06-26T11:10:54","slug":"programmable-payments-and-ai-driven-transactions-the-future-of-financial-infrastructure","status":"publish","type":"post","link":"https:\/\/itbusinesstoday.com\/ja\/fintech\/programmable-payments-and-ai-driven-transactions-the-future-of-financial-infrastructure\/","title":{"rendered":"\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6c7a\u6e08\u3068AI\u3092\u6d3b\u7528\u3057\u305f\u53d6\u5f15\uff1a\u91d1\u878d\u30a4\u30f3\u30d5\u30e9\u306e\u672a\u6765"},"content":{"rendered":"

\u304a\u91d1\u306f\u3082\u306f\u3084\u5358\u306b\u52d5\u304f\u3060\u3051\u3067\u306a\u304f\u3001\u52d5\u304f\u524d\u306b\u300c\u8003\u3048\u308b\u300d\u3088\u3046\u306b\u306a\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u5f93\u6765\u306e\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306f\u56fa\u5b9a\u3055\u308c\u305f\u30eb\u30fc\u30eb\u306b\u57fa\u3065\u3044\u3066\u304a\u308a\u3001\u53d6\u5f15\u304c\u884c\u308f\u308c\u308b\u305a\u3063\u3068\u524d\u306b\u4f5c\u6210\u3055\u308c\u305f\u6307\u793a\u306b\u5f93\u3063\u3066\u81ea\u52d5\u5316\u304c\u884c\u308f\u308c\u3066\u3044\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u3001\u305d\u306e\u30e2\u30c7\u30eb\u306f\u5727\u529b\u306b\u3055\u3089\u3055\u308c\u3001\u4e80\u88c2\u304c\u751f\u3058\u59cb\u3081\u3066\u3044\u307e\u3059\u3002\u4eca\u65e5\u3001\u77e5\u6027\u304c\u8cc7\u91d1\u306e\u6d41\u308c\u305d\u306e\u3082\u306e\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3064\u3064\u3042\u308a\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u306a\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3092\u901a\u3058\u3066\u4fa1\u5024\u304c\u3069\u306e\u3088\u3046\u306b\u5275\u51fa\u3055\u308c\u3001\u79fb\u52d5\u3057\u3001\u7ba1\u7406\u3055\u308c\u308b\u304b\u3068\u3044\u3046\u4ed5\u7d44\u307f\u3092\u4e00\u65b0\u3057\u3064\u3064\u3042\u308a\u307e\u3059\u3002.<\/p>\n

\u73fe\u5728\u3001\u4e16\u754c\u306e\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306b\u306f 468\u5146\u30c9\u30eb<\/a>, \u3001\u305d\u3057\u3066AI\u306e\u5c0e\u5165\u306f\u3001\u3053\u308c\u307e\u3067\u306e\u3069\u306e\u6280\u8853\u9769\u65b0\u306e\u6ce2\u3088\u308a\u3082\u6025\u901f\u306b\u9032\u3093\u3067\u3044\u307e\u3059\u3002\u540c\u6642\u306b\u3001\u7c73\u56fd\u306b\u304a\u3051\u308b\u52b4\u50cd\u5e74\u9f62\u5c64\u306e\u751f\u6210AI\u306e\u5229\u7528\u7387\u306f\u30012024\u5e74\u306e45\uff05\u304b\u30892025\u5e74\u306b\u306f55\uff05\u3078\u3068\u4e0a\u6607\u3057\u3066\u304a\u308a\u3001\u610f\u601d\u6c7a\u5b9a\u30b7\u30b9\u30c6\u30e0\u304c\u3044\u304b\u306b\u6025\u901f\u306b\u6a5f\u68b0\u306b\u3088\u308b\u652f\u63f4\u3078\u3068\u79fb\u884c\u3057\u3064\u3064\u3042\u308b\u304b\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002.<\/p>\n

\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6c7a\u6e08\u3068AI\u99c6\u52d5\u578b\u306e\u53d6\u5f15\u304c\u3001\u3044\u304b\u306b\u3057\u3066\u5358\u4e00\u306e\u91d1\u878d\u30a4\u30f3\u30d5\u30e9\u5c64\u3078\u3068\u878d\u5408\u3057\u3064\u3064\u3042\u308b\u304b\u3092\u8a73\u3057\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002\u307e\u305f\u3001\u5b9f\u884c\u30ec\u30a4\u30e4\u30fc\u3068\u30a4\u30f3\u30c6\u30ea\u30b8\u30a7\u30f3\u30b9\u30ec\u30a4\u30e4\u30fc\u304c\u3044\u304b\u306b\u3057\u3066\u878d\u5408\u3057\u3064\u3064\u3042\u308b\u304b\u3001\u3053\u308c\u304c\u3059\u3067\u306b\u30a8\u30f3\u30bf\u30fc\u30d7\u30e9\u30a4\u30ba\u30b7\u30b9\u30c6\u30e0\u306b\u304a\u3044\u3066\u3069\u306e\u3088\u3046\u306a\u5f62\u3067\u73fe\u308c\u3066\u3044\u308b\u304b\u3001\u305d\u3057\u3066\u91d1\u878d\u306e\u6b21\u306e\u6bb5\u968e\u304c\u3001\u5358\u306a\u308b\u51e6\u7406\u3068\u3044\u3046\u3088\u308a\u3082\u3080\u3057\u308d\u30aa\u30fc\u30b1\u30b9\u30c8\u30ec\u30fc\u30b7\u30e7\u30f3\u306e\u3088\u3046\u306a\u6027\u8cea\u3092\u5e2f\u3073\u3066\u3044\u304f\u7406\u7531\u306b\u3064\u3044\u3066\u8003\u5bdf\u3057\u307e\u3059\u3002.<\/p>\n

\u3053\u3061\u3089\u3082\u304a\u8aad\u307f\u304f\u3060\u3055\u3044\uff1a \u30d6\u30ed\u30c3\u30af\u30c1\u30a7\u30fc\u30f3\u3092\u6d3b\u7528\u3057\u305f\u30b5\u30d7\u30e9\u30a4\u30c1\u30a7\u30fc\u30f3\u306e\u30c8\u30ec\u30fc\u30b5\u30d3\u30ea\u30c6\u30a3\uff1a\u65e5\u672c\u304c\u7523\u696d\u306e\u900f\u660e\u6027\u3092\u3069\u306e\u3088\u3046\u306b\u518d\u69cb\u7bc9\u3057\u3066\u3044\u308b\u304b<\/a><\/h4>\n

\u300c\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6c7a\u6e08\u300d\u3068\u300cAI\u53d6\u5f15\u300d\u3068\u306f\u4f55\u3067\u3057\u3087\u3046\u304b\uff1f<\/h2>\n

\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6c7a\u6e08\u3084AI\u3092\u6d3b\u7528\u3057\u305f\u53d6\u5f15\u306f\u3001\u65e2\u5b58\u306e\u9280\u884c\u30b7\u30b9\u30c6\u30e0\u306e\u5358\u306a\u308b\u30a2\u30c3\u30d7\u30b0\u30ec\u30fc\u30c9\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u3089\u306f\u3001\u91d1\u878d\u30ed\u30b8\u30c3\u30af\u304c\u3069\u306e\u3088\u3046\u306b\u8a18\u8ff0\u3055\u308c\u3001\u5b9f\u884c\u3055\u308c\u308b\u304b\u3068\u3044\u3046\u70b9\u306b\u304a\u3051\u308b\u69cb\u9020\u7684\u306a\u8ee2\u63db\u306a\u306e\u3067\u3059\u3002.<\/p>\n

\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6c7a\u6e08\u3068\u5f93\u6765\u306e\u81ea\u52d5\u5316\u306e\u6bd4\u8f03<\/strong><\/p>\n

\u91d1\u878d\u5206\u91ce\u306b\u304a\u3051\u308b\u5f93\u6765\u306e\u81ea\u52d5\u5316\u306f\u3001\u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8\u306e\u3088\u3046\u306a\u4ed5\u7d44\u307f\u3067\u6a5f\u80fd\u3057\u307e\u3059\u3002\u30eb\u30fc\u30eb\u304c\u5b9a\u7fa9\u3055\u308c\u3001\u6761\u4ef6\u304c\u6e80\u305f\u3055\u308c\u308b\u3068\u3001\u652f\u6255\u3044\u304c\u5b9f\u884c\u3055\u308c\u307e\u3059\u3002\u3053\u308c\u306f\u786c\u76f4\u7684\u3067\u4e88\u6e2c\u53ef\u80fd\u3067\u3059\u304c\u3001\u4eba\u9593\u304c\u5c06\u6765\u306e\u30b7\u30ca\u30ea\u30aa\u3092\u3069\u308c\u3060\u3051\u7684\u78ba\u306b\u4e88\u6e2c\u3067\u304d\u308b\u304b\u306b\u3088\u3063\u3066\u305d\u306e\u9650\u754c\u304c\u6c7a\u307e\u308a\u307e\u3059\u3002.<\/p>\n

\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6c7a\u6e08\u306f\u3001\u3053\u306e\u57fa\u76e4\u3092\u5909\u9769\u3057\u307e\u3059\u3002\u9759\u7684\u306a\u30eb\u30fc\u30eb\u306b\u4ee3\u308f\u3063\u3066\u3001\u30c7\u30b8\u30bf\u30eb\u30b7\u30b9\u30c6\u30e0\u306b\u7d44\u307f\u8fbc\u307e\u308c\u305f\u6761\u4ef6\u306b\u57fa\u3065\u3044\u3066\u5b9f\u884c\u3055\u308c\u308b\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u30ed\u30b8\u30c3\u30af\u3092\u63a1\u7528\u3057\u3066\u3044\u307e\u3059\u3002\u9ad8\u5ea6\u306a\u4ed5\u7d44\u307f\u3067\u306f\u3001\u30c8\u30fc\u30af\u30f3\u5316\u3055\u308c\u305f\u8cc7\u7523\u3068\u30b9\u30de\u30fc\u30c8\u30b3\u30f3\u30c8\u30e9\u30af\u30c8\u306e\u30d5\u30ec\u30fc\u30e0\u30ef\u30fc\u30af\u306b\u3088\u308a\u3001\u3042\u3089\u304b\u3058\u3081\u5b9a\u7fa9\u3055\u308c\u305f\u6761\u4ef6\u304c\u6e80\u305f\u3055\u308c\u305f\u969b\u306b\u6c7a\u6e08\u304c\u81ea\u52d5\u7684\u306b\u884c\u308f\u308c\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002 BIS\u306b\u3088\u308b\u30c8\u30fc\u30af\u30f3\u5316\u304a\u3088\u3073\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6280\u8853\u306b\u95a2\u3059\u308b\u5206\u6790\u306b\u3088\u308c\u3070\u3001\u3053\u308c\u3089\u306e\u30b7\u30b9\u30c6\u30e0\u306f\u3001\u6c7a\u6e08\u306e\u5b89\u5168\u6027\u3092\u7dad\u6301\u3057\u3064\u3064\u3001\u5378\u58f2\u7684\u306a\u56fd\u5883\u3092\u8d8a\u3048\u305f\u6c7a\u6e08\u306b\u304a\u3044\u3066\u9577\u5e74\u306b\u308f\u305f\u308a\u5b58\u5728\u3057\u3066\u304d\u305f\u975e\u52b9\u7387\u6027\u3092\u5927\u898f\u6a21\u306b\u89e3\u6d88\u3067\u304d\u308b\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u8907\u6570\u306e\u6cd5\u57df\u306b\u308f\u305f\u308b\u6c7a\u6e08\u306e\u78ba\u5b9a\u6027\u3092\u78ba\u4fdd\u3059\u308b\u3053\u3068\u3067\u3001\u901a\u8ca8\u3092\u307e\u305f\u3050\u30a2\u30c8\u30df\u30c3\u30af\u6c7a\u6e08\u306e\u5b9f\u73fe\u304c\u53ef\u80fd\u3067\u3042\u308b\u3053\u3068\u3082\u5f37\u8abf\u3055\u308c\u3066\u3044\u307e\u3059\u3002.<\/p>\n

\u3053\u306e\u5909\u5316\u306f\u5358\u306a\u308b\u8868\u9762\u7684\u306a\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u304a\u91d1\u306f\u53d7\u52d5\u7684\u306a\u624b\u6bb5\u304b\u3089\u3001\u80fd\u52d5\u7684\u306a\u30b7\u30b9\u30c6\u30e0\u69cb\u6210\u8981\u7d20\u3078\u3068\u5909\u5316\u3059\u308b\u306e\u3067\u3059\u3002.<\/p>\n

AI\u3092\u6d3b\u7528\u3057\u305f\u53d6\u5f15<\/h3>\n

AI\u3092\u6d3b\u7528\u3057\u305f\u53d6\u5f15\u306b\u3088\u308a\u3001\u3053\u306e\u4ed5\u7d44\u307f\u306b\u9069\u5fdc\u6027\u304c\u3082\u305f\u3089\u3055\u308c\u307e\u3059\u3002\u6a5f\u68b0\u5b66\u7fd2\u30e2\u30c7\u30eb\u306f\u5358\u306b\u30eb\u30fc\u30eb\u306b\u5f93\u3046\u3060\u3051\u3067\u306a\u304f\u3001\u30d1\u30bf\u30fc\u30f3\u3092\u8a55\u4fa1\u3057\u3001\u7d50\u679c\u3092\u4e88\u6e2c\u3057\u3001\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u5224\u65ad\u3092\u8abf\u6574\u3057\u307e\u3059\u3002\u30b7\u30b9\u30c6\u30e0\u306f\u3001\u3084\u307f\u304f\u3082\u306b\u652f\u6255\u3044\u3092\u57f7\u884c\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u5b9f\u884c\u524d\u306b\u30bf\u30a4\u30df\u30f3\u30b0\u3001\u30ea\u30b9\u30af\u3001\u30b3\u30b9\u30c8\u3001\u6d41\u52d5\u6027\u3092\u8a55\u4fa1\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002.<\/p>\n

\u3053\u3053\u3067 \u4e88\u6e2c\u7684\u306a<\/a> \u5206\u6790\u304c\u6975\u3081\u3066\u91cd\u8981\u306b\u306a\u308a\u307e\u3059\u3002\u6c7a\u6e08\u306f\u3082\u306f\u3084\u5b64\u7acb\u3057\u305f\u30a4\u30d9\u30f3\u30c8\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6c7a\u6e08\u306f\u3001\u30b7\u30b9\u30c6\u30e0\u304c\u904e\u53bb\u306e\u53d6\u5f15\u306e\u6d41\u308c\u304b\u3089\u5b66\u3073\u3001\u5c06\u6765\u306e\u5b9f\u884c\u3092\u6700\u9069\u5316\u3059\u308b\u3001\u7d99\u7d9a\u7684\u306a\u610f\u601d\u6c7a\u5b9a\u30eb\u30fc\u30d7\u306e\u4e00\u90e8\u3068\u306a\u308b\u306e\u3067\u3059\u3002.<\/p>\n

\u5b9f\u8df5\u306b\u304a\u3051\u308b\u6280\u8853\u306e\u878d\u5408<\/h3>\n

API\u3001ISO 20022\u30e1\u30c3\u30bb\u30fc\u30b8\u30f3\u30b0\u898f\u683c\u3001\u304a\u3088\u3073\u5206\u6563\u578b\u53f0\u5e33\u6280\u8853\u304c\u9023\u643a\u3057\u3066\u6a5f\u80fd\u3059\u308b\u3053\u3068\u3067\u3001\u305d\u306e\u771f\u4fa1\u304c\u767a\u63ee\u3055\u308c\u307e\u3059\u3002API\u306f\u30b7\u30b9\u30c6\u30e0\u9593\u306e\u63a5\u7d9a\u3092\u53ef\u80fd\u306b\u3057\u3001ISO 20022\u306f\u91d1\u878d\u901a\u4fe1\u3092\u6a19\u6e96\u5316\u3057\u3001\u5206\u6563\u578b\u53f0\u5e33\u30b7\u30b9\u30c6\u30e0\u306f\u540c\u671f\u5316\u3055\u308c\u305f\u6c7a\u6e08\u74b0\u5883\u3092\u63d0\u4f9b\u3057\u307e\u3059\u3002.<\/p>\n

\u3053\u308c\u3089\u3092\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u3001\u4e00\u8cab\u6027\u3068\u8ffd\u8de1\u53ef\u80fd\u6027\u3092\u7dad\u6301\u3057\u3064\u3064\u3001\u69cb\u9020\u5316\u3055\u308c\u305f\u91d1\u878d\u30c7\u30fc\u30bf\u3092\u30b7\u30b9\u30c6\u30e0\u9593\u3067\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u3084\u308a\u53d6\u308a\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u6a5f\u95a2\u9593\u306e\u6469\u64e6\u306a\u304f\u3001\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6c7a\u6e08\u3084AI\u3092\u6d3b\u7528\u3057\u305f\u53d6\u5f15\u304c\u884c\u3048\u308b\u57fa\u76e4\u304c\u6574\u3044\u307e\u3059\u3002.<\/p>\n

\u300c\u30b3\u30f3\u30d0\u30fc\u30b8\u30a7\u30f3\u30b9\u30fb\u30a4\u30f3\u30fb\u30a2\u30af\u30b7\u30e7\u30f3\u300d<\/h2>\n

\u3053\u306e\u7406\u8ad6\u306f\u3001\u4f01\u696d\u8ca1\u52d9\u306e\u5206\u91ce\u306b\u5c0e\u5165\u3055\u308c\u308b\u3053\u3068\u3067\u73fe\u5b9f\u306e\u3082\u306e\u3068\u306a\u308a\u307e\u3059\u3002\u3053\u3053\u3067\u3001\u62bd\u8c61\u7684\u306a\u30a4\u30f3\u30d5\u30e9\u304c\u3001\u6a5f\u68b0\u4e26\u307f\u306e\u30b9\u30d4\u30fc\u30c9\u3067\u5b9f\u884c\u3055\u308c\u308b\u65e5\u3005\u306e\u8ca1\u52d9\u4e0a\u306e\u610f\u601d\u6c7a\u5b9a\u3078\u3068\u5909\u308f\u308b\u306e\u3067\u3059\u3002.<\/p>\n

\u81ea\u5f8b\u7684\u306a\u6d41\u52d5\u6027\u7ba1\u7406\u3068\u73fe\u91d1\u632f\u66ff\u51e6\u7406<\/h3>\n

\"Programmable<\/p>\n

\u5927\u4f01\u696d\u306f\u3001\u6d41\u52d5\u6027\u3092\u628a\u63e1\u3059\u308b\u305f\u3081\u306b\u3001\u3082\u306f\u3084\u4e00\u65e5\u306e\u7d42\u308f\u308a\u306e\u5831\u544a\u3092\u5f85\u3064\u3053\u3068\u306f\u306a\u304f\u306a\u308a\u307e\u3057\u305f\u3002\u73fe\u5728\u3067\u306f\u3001\u4e88\u6e2c\u30e2\u30c7\u30eb\u3092\u7528\u3044\u3066\u672a\u53ce\u91d1\u3092\u898b\u7a4d\u3082\u308a\u3001\u5404\u53e3\u5ea7\u306e\u904a\u4f11\u8cc7\u91d1\u3092\u7d99\u7d9a\u7684\u306b\u628a\u63e1\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u30b7\u30b9\u30c6\u30e0\u306f\u3001\u3042\u3089\u304b\u3058\u3081\u5b9a\u7fa9\u3055\u308c\u305f\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u306b\u5fdc\u3058\u3066\u3001\u904b\u8ee2\u8cc7\u91d1\u306e\u30d0\u30c3\u30d5\u30a1\u30fc\u3084\u9ad8\u5229\u56de\u308a\u306e\u91d1\u878d\u5546\u54c1\u3078\u3068\u8cc7\u91d1\u3092\u81ea\u52d5\u7684\u306b\u632f\u308a\u5206\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002.<\/p>\n

SAP\u306eAI\u30a2\u30b7\u30b9\u30bf\u30f3\u30c8\u306f\u3001\u6d41\u52d5\u6027\u306e\u76e3\u8996\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u306e\u4e88\u6e2c\u3001\u8cc7\u91d1\u4e0d\u8db3\u306e\u6307\u6458\u3001\u8cc7\u91d1\u79fb\u52d5\u306e\u63d0\u6848\u3001\u904a\u4f11\u8cc7\u91d1\u306e\u6700\u9069\u5316\u3092\u884c\u3046\u307b\u304b\u3001\u7d71\u5408\u3055\u308c\u305f\u652f\u6255\u3044\u306e\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3084\u3001\u30c7\u30b8\u30bf\u30eb\u901a\u8ca8\u3084\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u306b\u3088\u308b\u6c7a\u6e08\u6a5f\u80fd\u3092\u542b\u3080API\u30d9\u30fc\u30b9\u306e\u63a5\u7d9a\u6027\u3082\u30b5\u30dd\u30fc\u30c8\u3057\u307e\u3059\u3002\u3053\u308c\u306f\u5358\u306a\u308b\u30ec\u30dd\u30fc\u30c8\u4f5c\u6210\u306b\u3068\u3069\u307e\u308a\u307e\u305b\u3093\u3002\u7a4d\u6975\u7684\u306a\u8ca1\u52d9\u7ba1\u7406\u306e\u53d6\u308a\u7d44\u307f\u305d\u306e\u3082\u306e\u3067\u3059\u3002.<\/p>\n

\u3053\u3053\u3067\u306e\u5909\u5316\u306f\u5fae\u5999\u3067\u3059\u304c\u3001\u305d\u306e\u5f71\u97ff\u306f\u5927\u304d\u3044\u3082\u306e\u3067\u3059\u3002\u73fe\u91d1\u306e\u7ba1\u7406\u306f\u624b\u4f5c\u696d\u304b\u3089\u3001\u7d99\u7d9a\u7684\u306a\u8abf\u6574\u3078\u3068\u79fb\u884c\u3057\u3066\u3044\u304d\u307e\u3059\u3002.<\/p>\n

\u30a4\u30f3\u30c6\u30ea\u30b8\u30a7\u30f3\u30c8\u306a\u56fd\u5883\u3092\u8d8a\u3048\u305f\u30eb\u30fc\u30c6\u30a3\u30f3\u30b0<\/h3>\n

\u304b\u3064\u3066\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u9001\u91d1\u306f\u3001\u30b3\u30b9\u30c8\u3001\u30b9\u30d4\u30fc\u30c9\u3001\u78ba\u5b9f\u6027\u306e\u9593\u3067\u306e\u59a5\u5354\u70b9\u3067\u3057\u305f\u3002AI\u306e\u767b\u5834\u306b\u3088\u308a\u3001\u305d\u306e\u56fa\u5b9a\u7684\u306a\u30c8\u30ec\u30fc\u30c9\u30aa\u30d5\u304c\u89e3\u6d88\u3055\u308c\u3064\u3064\u3042\u308a\u307e\u3059\u3002.<\/p>\n

\u73fe\u5728\u3001\u30b7\u30b9\u30c6\u30e0\u306f\u6700\u9069\u306a\u7d4c\u8def\u3092\u9078\u629e\u3059\u308b\u524d\u306b\u3001\u70ba\u66ff\u306e\u30dc\u30e9\u30c6\u30a3\u30ea\u30c6\u30a3\u3001\u6c7a\u6e08\u901f\u5ea6\u3001\u9280\u884c\u624b\u6570\u6599\u3092\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u8a55\u4fa1\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306b\u306f\u3001\u5f93\u6765\u306e\u6c7a\u6e08\u30eb\u30fc\u30c8\u306b\u52a0\u3048\u3001\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u30fb\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3084CBDC\u3068\u3044\u3063\u305f\u65b0\u8208\u306e\u30a4\u30f3\u30d5\u30e9\u3082\u542b\u307e\u308c\u307e\u3059\u3002.<\/p>\n

Visa\u306eAI\u304a\u3088\u3073\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u30b7\u30b9\u30c6\u30e0\u306f\u3001\u3053\u306e\u65b9\u5411\u6027\u3092\u660e\u78ba\u306b\u793a\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306b\u306f\u3001\u300cAgentic Registry\u300d\u3001\u300cAgent Score\u300d\u3001\u305d\u3057\u3066\u6570\u5341\u5104\u4ef6\u306e\u53d6\u5f15\u30c7\u30fc\u30bf\u3092\u7528\u3044\u3066\u5b66\u7fd2\u3055\u308c\u305f\u300cLarge Transaction Model\u300d\u304c\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u6c7a\u6e08\u306e\u30d1\u30a4\u30ed\u30c3\u30c8\u4e8b\u696d\u3067\u306f\u3001\u6570\u5341\u5104\u30c9\u30eb\u898f\u6a21\u306e\u53d6\u5f15\u3092\u51e6\u7406\u3057\u3066\u304a\u308a\u3001 70\u5104\u30c9\u30eb<\/a> 2026\u5e743\u6708\u6642\u70b9\u306e\u5e74\u63db\u7b97\u5b9f\u7e3e\u306b\u52a0\u3048\u3001\u4e16\u754c\u4e2d\u3067160\u4ee5\u4e0a\u306e\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u9023\u52d5\u30d7\u30ed\u30b0\u30e9\u30e0\u304c\u5c55\u958b\u3055\u308c\u3066\u3044\u307e\u3059\u3002.<\/p>\n

\u3053\u3053\u3067\u91cd\u8981\u306a\u306e\u306f\u3001\u5358\u306b\u898f\u6a21\u3060\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u9759\u7684\u306a\u30eb\u30fc\u30c6\u30a3\u30f3\u30b0\u30eb\u30fc\u30eb\u3067\u306f\u306a\u304f\u3001\u30a4\u30f3\u30c6\u30ea\u30b8\u30a7\u30f3\u30b9\u306b\u3088\u3063\u3066\u652f\u6255\u3044\u7d4c\u8def\u304c\u6c7a\u5b9a\u3055\u308c\u308b\u3068\u3044\u3046\u65b9\u5411\u3078\u306e\u8ee2\u63db\u306a\u306e\u3067\u3059\u3002.<\/p>\n

\u9069\u5fdc\u578b\u4e0d\u6b63\u9632\u6b62\u304a\u3088\u3073\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9<\/h3>\n

\u4e0d\u6b63\u691c\u77e5\u306f\u3001\u30eb\u30fc\u30eb\u30d9\u30fc\u30b9\u306e\u30d5\u30a3\u30eb\u30bf\u304b\u3089\u7d99\u7d9a\u7684\u306a\u5b66\u7fd2\u30b7\u30b9\u30c6\u30e0\u3078\u3068\u79fb\u884c\u3057\u3064\u3064\u3042\u308a\u307e\u3059\u3002\u65e2\u77e5\u306e\u30d1\u30bf\u30fc\u30f3\u3092\u30d6\u30ed\u30c3\u30af\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001AI\u30e2\u30c7\u30eb\u304c\u3059\u3079\u3066\u306e\u53d6\u5f15\u30d0\u30c3\u30c1\u3092\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u8a55\u4fa1\u3057\u307e\u3059\u3002.<\/p>\n

AI\u306f\u3059\u3067\u306b\u3001\u4e16\u754c\u4e2d\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306b\u304a\u3044\u3066\u3001\u6c7a\u6e08\u51e6\u7406\u306e\u8fc5\u901f\u5316\u3001\u4e0d\u6b63\u30ea\u30b9\u30af\u8a55\u4fa1\u3001\u65b0\u898f\u9867\u5ba2\u306e\u53d7\u3051\u5165\u308c\u3001\u304a\u3088\u3073\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u578b\u30b3\u30de\u30fc\u30b9\u306e\u6539\u5584\u306b\u6d3b\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002.<\/p>\n

\u3053\u308c\u306b\u3088\u308a\u3001\u4e0d\u6b63\u306b\u5bfe\u3057\u3066\u5358\u306b\u53cd\u5fdc\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u305d\u308c\u306b\u9069\u5fdc\u3059\u308b\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30e2\u30c7\u30eb\u304c\u69cb\u7bc9\u3055\u308c\u307e\u3059\u3002\u3053\u306e\u30b7\u30b9\u30c6\u30e0\u306f\u3001\u6642\u4ee3\u9045\u308c\u306b\u306a\u308b\u3053\u3068\u306a\u304f\u3001\u6642\u9593\u306e\u7d4c\u904e\u3068\u3068\u3082\u306b\u307e\u3059\u307e\u3059\u5f37\u976d\u306b\u306a\u3063\u3066\u3044\u304d\u307e\u3059\u3002.<\/p>\n

\u5236\u5ea6\u4e0a\u306e\u969c\u58c1\uff1a\u5b9f\u65bd\u306e\u683c\u5dee\u3092\u514b\u670d\u3059\u308b<\/h2>\n

\u6280\u8853\u9762\u306e\u8a71\u306f\u3001\u7d19\u306e\u4e0a\u3067\u306f\u9806\u8abf\u306b\u898b\u3048\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u4f01\u696d\u5185\u306e\u5b9f\u60c5\u306f\u3001\u305d\u308c\u3088\u308a\u3082\u306f\u308b\u304b\u306b\u3070\u3089\u3070\u3089\u3067\u3059\u3002.<\/p>\n

\u30c7\u30fc\u30bf\u306e\u54c1\u8cea\u3068ERP\u306e\u65ad\u7247\u5316<\/h3>\n

\"Programmable<\/p>\n

\u591a\u304f\u306e\u91d1\u878d\u6a5f\u95a2\u3067\u306f\u3001\u4f9d\u7136\u3068\u3057\u3066\u30c7\u30fc\u30bf\u69cb\u9020\u304c\u7d71\u4e00\u3055\u308c\u3066\u3044\u306a\u3044\u65ad\u7247\u7684\u306aERP\u30b7\u30b9\u30c6\u30e0\u304c\u904b\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u304c\u5927\u304d\u306a\u8ab2\u984c\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002AI\u30e2\u30c7\u30eb\u306e\u6027\u80fd\u306f\u3001\u6295\u5165\u3055\u308c\u308b\u30c7\u30fc\u30bf\u306e\u8cea\u306b\u5de6\u53f3\u3055\u308c\u308b\u304b\u3089\u3067\u3059\u3002.<\/p>\n

\u30af\u30ea\u30fc\u30f3\u3067\u7d71\u4e00\u3055\u308c\u305f\u30c7\u30fc\u30bf\u30ec\u30a4\u30e4\u30fc\u304c\u306a\u3051\u308c\u3070\u3001\u4e88\u6e2c\u6d41\u52d5\u6027\u30e2\u30c7\u30eb\u3084\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u57f7\u884c\u30a8\u30f3\u30b8\u30f3\u306e\u7cbe\u5ea6\u306f\u4f4e\u4e0b\u3057\u3066\u3057\u307e\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u591a\u304f\u306e\u5909\u9769\u30d7\u30ed\u30b0\u30e9\u30e0\u306f\u3001\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3067\u306f\u306a\u304f\u7d71\u5408\u306e\u6bb5\u968e\u3067\u505c\u6ede\u3057\u3066\u3057\u307e\u3046\u306e\u3067\u3059\u3002.<\/p>\n

\u898f\u5236\u304a\u3088\u3073\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306e\u67a0\u7d44\u307f<\/h3>\n

\u898f\u5236\u306f\u3001\u6280\u8853\u305d\u306e\u3082\u306e\u3068\u540c\u69d8\u306b\u9032\u5316\u3057\u3066\u3044\u307e\u3059\u3002\u300cEU AI\u6cd5\u300d\u3084\u300cPSD3\u300d\u3068\u3044\u3063\u305f\u67a0\u7d44\u307f\u306b\u3088\u308a\u3001\u91d1\u878d\u30a4\u30f3\u30c6\u30ea\u30b8\u30a7\u30f3\u30b9\u30b7\u30b9\u30c6\u30e0\u306e\u904b\u7528\u65b9\u6cd5\u304c\u898b\u76f4\u3055\u308c\u3064\u3064\u3042\u308a\u307e\u3059\u3002.<\/p>\n

2026\u5e74\u306b\u516c\u8868\u3055\u308c\u305f\u300c\u30b0\u30ed\u30fc\u30d0\u30eb\u30fb\u30d5\u30a3\u30f3\u30c7\u30c3\u30af\u30b92025\u300d\u306f\u3001\u4ee5\u4e0b\u306e\u30c7\u30fc\u30bf\u306b\u57fa\u3065\u3044\u3066\u4f5c\u6210\u3055\u308c\u3066\u3044\u307e\u3059\u3002 \u6210\u4eba14\u4e078000\u4eba<\/a> 141\u306e\u7d4c\u6e08\u570f\u3092\u5bfe\u8c61\u3068\u3057\u305f\u672c\u8abf\u67fb\u306f\u3001\u5730\u57df\u9593\u3067\u91d1\u878d\u5305\u6442\u3084\u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u306e\u666e\u53ca\u306b\u4f9d\u7136\u3068\u3057\u3066\u5927\u304d\u306a\u683c\u5dee\u304c\u6b8b\u3063\u3066\u3044\u308b\u3053\u3068\u3092\u6d6e\u304d\u5f6b\u308a\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u683c\u5dee\u306f\u3001\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u91d1\u878d\u30a4\u30f3\u30d5\u30e9\u304c\u4e16\u754c\u7684\u306b\u3069\u306e\u7a0b\u5ea6\u306e\u901f\u3055\u3067\u62e1\u5927\u3067\u304d\u308b\u304b\u306b\u76f4\u63a5\u7684\u306a\u5f71\u97ff\u3092\u53ca\u307c\u3057\u3066\u3044\u307e\u3059\u3002.<\/p>\n

\u73fe\u5b9f\u306f\u5358\u7d14\u3067\u3059\u3002\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u30b9\u30d4\u30fc\u30c9\u306f\u3001\u30ac\u30d0\u30ca\u30f3\u30b9\u306e\u8abf\u6574\u306e\u30b9\u30d4\u30fc\u30c9\u3092\u4e0a\u56de\u3063\u3066\u3044\u307e\u3059\u3002.<\/p>\n

\u81ea\u5f8b\u578b\u4f01\u696d\u8ca1\u52d9\u306e\u6642\u4ee3<\/h2>\n

\u91d1\u878d\u30a4\u30f3\u30d5\u30e9\u306e\u6b21\u306e\u6bb5\u968e\u306f\u3001\u30c0\u30c3\u30b7\u30e5\u30dc\u30fc\u30c9\u306e\u6539\u826f\u3068\u3044\u3063\u305f\u5f62\u3092\u3068\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u308c\u306f\u3001\u81ea\u5f8b\u7684\u306b\u6a5f\u80fd\u3059\u308b\u91d1\u878d\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u3068\u3044\u3046\u5f62\u3092\u3068\u308b\u3067\u3057\u3087\u3046\u3002.<\/p>\n

\u8ca1\u52d9\u30b7\u30b9\u30c6\u30e0\u306f\u3001\u8cb7\u639b\u91d1\u3001\u58f2\u639b\u91d1\u3001\u304a\u3088\u3073\u6d41\u52d5\u6027\u7ba1\u7406\u304c\u30d0\u30c3\u30af\u30b0\u30e9\u30a6\u30f3\u30c9\u3067\u7d99\u7d9a\u7684\u306b\u51e6\u7406\u3055\u308c\u308b\u81ea\u5f8b\u578b\u306e\u6c7a\u6e08\u62e0\u70b9\u3078\u3068\u9032\u5316\u3057\u3066\u3044\u304d\u307e\u3059\u3002POBO\u304a\u3088\u3073COBO\u306e\u69cb\u9020\u306f\u3088\u308a\u30c0\u30a4\u30ca\u30df\u30c3\u30af\u306b\u306a\u308a\u3001\u30b7\u30b9\u30c6\u30e0\u306f\u56fa\u5b9a\u3055\u308c\u305f\u30b5\u30a4\u30af\u30eb\u3067\u306f\u306a\u304f\u3001\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u4e8b\u696d\u72b6\u6cc1\u306b\u57fa\u3065\u3044\u3066\u8cc7\u91d1\u3092\u914d\u5206\u3059\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002.<\/p>\n

\u540c\u6642\u306b\u3001\u30b5\u30d7\u30e9\u30a4\u30c1\u30a7\u30fc\u30f3\u3067\u306f\u8ca1\u52d9\u4e0a\u306e\u81ea\u5df1\u7167\u5408\u304c\u59cb\u307e\u308a\u3001\u53d6\u5f15\u3068\u6c7a\u6e08\u306e\u9593\u306e\u30bf\u30a4\u30e0\u30e9\u30b0\u304c\u77ed\u7e2e\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002.<\/p>\n

\u3057\u304b\u3057\u3001\u3053\u3046\u3057\u305f\u72b6\u6cc1\u3067\u3042\u308b\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001 \u81ea\u52d5\u5316<\/a> \u3055\u3089\u306b\u3001BIS\u306e\u8abf\u67fb\u3067\u306f\u3001\u91cd\u8981\u306a\u77db\u76fe\u70b9\u304c\u6d6e\u304d\u5f6b\u308a\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u306f\u3001\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6c7a\u6e08\u306e\u53ef\u80fd\u6027\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u901a\u8ca8\u3068\u3057\u3066\u306e\u57fa\u672c\u7684\u306a\u7279\u6027\u306b\u306f\u4f9d\u7136\u3068\u3057\u3066\u6b20\u3051\u3066\u304a\u308a\u3001\u91d1\u878d\u306e\u5065\u5168\u6027\u306b\u30ea\u30b9\u30af\u3092\u3082\u305f\u3089\u3059\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u5c06\u6765\u306f\u7d14\u7c8b\u306b\u5206\u6563\u578b\u3067\u3082\u3001\u7d14\u7c8b\u306b\u5f93\u6765\u578b\u3067\u3082\u306a\u3044\u3067\u3057\u3087\u3046\u3002\u30b9\u30d4\u30fc\u30c9\u3068\u30b7\u30b9\u30c6\u30e0\u5168\u4f53\u306e\u5b89\u5168\u6027\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u3068\u3063\u305f\u3001\u7ba1\u7406\u3055\u308c\u305f\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u306a\u30b7\u30b9\u30c6\u30e0\u3068\u306a\u308b\u3067\u3057\u3087\u3046\u3002.<\/p>\n

\u7d50\u8ad6\u3068\u7d4c\u55b6\u5c64\u5411\u3051\u306e\u8981\u70b9<\/h2>\n

\u30d7\u30ed\u30b0\u30e9\u30e0\u53ef\u80fd\u306a\u6c7a\u6e08\u3084AI\u3092\u6d3b\u7528\u3057\u305f\u53d6\u5f15\u3078\u306e\u79fb\u884c\u306f\u3001\u6c7a\u3057\u3066 \u30c6\u30af\u30ce\u30ed\u30b8\u30fc<\/a> \u30a2\u30c3\u30d7\u30b0\u30ec\u30fc\u30c9\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u91d1\u878d\u30ed\u30b8\u30c3\u30af\u305d\u306e\u3082\u306e\u306e\u518d\u8a2d\u8a08\u3067\u3059\u3002\u304a\u91d1\u306e\u52d5\u304d\u306f\u3001\u6307\u793a\u4e3b\u5c0e\u578b\u304b\u3089\u610f\u601d\u6c7a\u5b9a\u4e3b\u5c0e\u578b\u3078\u3068\u79fb\u884c\u3057\u3064\u3064\u3042\u308a\u3001\u5b9f\u884c\u3068\u77e5\u80fd\u304c\u5358\u4e00\u306e\u30b7\u30b9\u30c6\u30e0\u3068\u3057\u3066\u6a5f\u80fd\u3059\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002.<\/p>\n

\u3057\u304b\u3057\u3001\u771f\u306e\u5909\u9769\u3068\u306f\u3001\u30b9\u30d4\u30fc\u30c9\u3084\u52b9\u7387\u6027\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u308c\u306f\u300c\u5236\u5fa1\u300d\u306a\u306e\u3067\u3059\u3002\u30a4\u30f3\u30c6\u30ea\u30b8\u30a7\u30f3\u30b9\u5c64\u3068\u5b9f\u884c\u30ec\u30a4\u30e4\u30fc\u3092\u7d71\u5408\u3057\u305f\u4f01\u696d\u306f\u3001\u5358\u306b\u6c7a\u6e08\u51e6\u7406\u3092\u8fc5\u901f\u5316\u3059\u308b\u3060\u3051\u306b\u3068\u3069\u307e\u308a\u307e\u305b\u3093\u3002\u5927\u898f\u6a21\u306a\u91d1\u878d\u610f\u601d\u6c7a\u5b9a\u306e\u3042\u308a\u65b9\u3092\u4e00\u65b0\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002.<\/p>\n

\u3057\u304b\u3057\u3001\u5c06\u6765\u306f\u3001\u76f2\u76ee\u7684\u306a\u81ea\u52d5\u5316\u3092\u8a55\u4fa1\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8a55\u4fa1\u3055\u308c\u308b\u306e\u306f\u3001\u77e5\u6027\u3068\u30ac\u30d0\u30ca\u30f3\u30b9\u3001\u30b9\u30d4\u30fc\u30c9\u3068\u5b89\u5168\u6027\u3001\u81ea\u5f8b\u6027\u3068\u8aac\u660e\u8cac\u4efb\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u4fdd\u3063\u305f\u30b7\u30b9\u30c6\u30e0\u3067\u3059\u3002\u305d\u306e\u30d0\u30e9\u30f3\u30b9\u3053\u305d\u304c\u3001\u4eca\u5f8c10\u5e74\u9593\u3092\u30ea\u30fc\u30c9\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u3068\u3001\u305d\u306e\u6d41\u308c\u306b\u3064\u3044\u3066\u3044\u304f\u306e\u306b\u82e6\u52b4\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u3092\u5206\u3051\u308b\u3053\u3068\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002.<\/p>","protected":false},"excerpt":{"rendered":"

Money is no longer just moving, it is starting to think before it moves. The old world of financial systems ran on fixed rules, where automation followed instructions written long before the transaction ever happened. That model is starting to crack under pressure. Today, intelligence is entering the flow of money itself, reshaping how value is created, moved, and controlled across global networks. The global financial system now holds 468 trillion dollars, and AI adoption is rising faster than any previous technology wave. At the same time, working age generative AI usage in the US has moved from 45 percent in 2024 to 55 percent in 2025, showing how quickly […]<\/p>\n","protected":false},"author":5,"featured_media":35296,"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":[13800,13801,176,8196,8584],"ppma_author":[324],"class_list":["post-35295","post","type-post","status-publish","format-standard","has-post-thumbnail","category-fintech","category-knowledge-hub","category-staff-writers","tag-ai-transactions","tag-financial-infrastructure","tag-fintech","tag-stablecoin","tag-supply-chains"],"yoast_head":"\nProgrammable Payments and AI-Driven Transactions<\/title>\n<meta name=\"description\" content=\"Explore how the convergence of AI and programmable payments transforms financial infrastructure from rigid automation to autonomous finance.\" \/>\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\/programmable-payments-and-ai-driven-transactions-the-future-of-financial-infrastructure\/\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Programmable Payments and AI-Driven Transactions\" \/>\n<meta property=\"og:description\" content=\"Explore how the convergence of AI and programmable payments transforms financial infrastructure from rigid automation to autonomous finance.\" \/>\n<meta property=\"og:url\" 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