{"id":39931,"date":"2026-10-07T13:04:11","date_gmt":"2026-10-07T13:04:11","guid":{"rendered":"https:\/\/itbusinesstoday.com\/?p=39931"},"modified":"2026-10-07T13:04:58","modified_gmt":"2026-10-07T13:04:58","slug":"japans-cashless-economy-2-0-how-real-time-payments-and-digital-identity-are-reshaping-financial-services","status":"publish","type":"post","link":"https:\/\/itbusinesstoday.com\/ja\/fintech\/finance-tech\/japans-cashless-economy-2-0-how-real-time-payments-and-digital-identity-are-reshaping-financial-services\/","title":{"rendered":"\u65e5\u672c\u306e\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u7d4c\u6e082.0\uff1a\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u6c7a\u6e08\u3068\u30c7\u30b8\u30bf\u30ebID\u304c\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u3069\u3046\u5909\u9769\u3057\u3066\u3044\u308b\u304b"},"content":{"rendered":"

\u65e5\u672c\u306f\u9577\u5e74\u306b\u308f\u305f\u308a\u3001\u6d88\u8cbb\u8005\u306e\u73fe\u91d1\u5229\u7528\u3092\u6e1b\u3089\u305d\u3046\u3068\u52aa\u3081\u3066\u304d\u305f\u3002\u4eca\u3001\u3088\u308a\u5927\u304d\u306a\u5909\u5316\u304c\u8d77\u304d\u3064\u3064\u3042\u308b\u3002 \u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u7d4c\u6e08\u306f\u3001\u5358\u306a\u308b\u6d88\u8cbb\u8005\u306e\u7fd2\u6163\u306b\u3068\u3069\u307e\u3089\u305a\u3001\u30a4\u30f3\u30d5\u30e9\u3068\u306a\u308a\u3064\u3064\u3042\u308b\u3002\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u6c7a\u6e08\u306f\u3082\u306f\u3084\u30b4\u30fc\u30eb\u3067\u306f\u306a\u3044\u3002\u305d\u308c\u306f\u3001\u8eab\u5143\u3092\u30c7\u30b8\u30bf\u30eb\u3067\u78ba\u8a8d\u3067\u304d\u300124\u6642\u9593\u3044\u3064\u3067\u3082\u6c7a\u6e08\u304c\u884c\u3048\u3001\u65e5\u5e38\u7684\u306a\u91d1\u878d\u696d\u52d9\u306e\u624b\u9593\u3092\u5927\u5e45\u306b\u524a\u6e1b\u3067\u304d\u308b\u91d1\u878d\u30b7\u30b9\u30c6\u30e0\u306e\u57fa\u76e4\u3068\u306a\u308a\u3064\u3064\u3042\u308b\u306e\u3060\u3002.<\/p>

That is what Cashless Economy 2.0 means in practice. It is the convergence of Japan’s My Number Card and JPKI identity infrastructure with the modern Zengin payment network. Together, these systems point toward a financial model that can connect trusted identity with faster payment execution. This article looks at what is driving that shift, why it matters to FinTechs and banks, and where Japan’s next phase of financial infrastructure could go.<\/p>

\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u7d4c\u6e082.0\u3092\u727d\u5f15\u3059\u308b\u8981\u56e0<\/h3>

\"Cashless\"Japan’s cashless transition has reached a point where the question is changing. The issue is no longer whether consumers will use digital payments. The cashless economy is becoming the base on which broader financial services can operate. The issue is what the financial system can build on top of them.<\/p>

METI<\/a> reported that Japan’s cashless-payment ratio reached 58.0% in 2025, equivalent to ¥162.7 trillion. Japan crossed its earlier 40% target ahead of schedule, while the next interim target is 65% by 2030. A mature cashless market creates room for the next layer of innovation. Payments become less of a standalone action and more of an invisible part of commerce, banking and financial services.<\/p>

\u4e00\u65b9\u3067\u3001\u65e5\u672c\u306b\u306f\u6280\u8853\u9762\u304b\u3089\u898b\u3066\u7121\u8996\u3067\u304d\u306a\u3044\u69cb\u9020\u7684\u306a\u554f\u984c\u304c\u3042\u308b\u30022026\u5e744\u67081\u65e5\u6642\u70b9\u3067\u3001\u540c\u56fd\u306b\u306f 36.211 million<\/a> 65\u6b73\u4ee5\u4e0a\u306e\u9ad8\u9f62\u8005\u3067\u3001\u305d\u306e\u3046\u306175\u6b73\u4ee5\u4e0a\u306f2,153\u4e071,000\u4eba\u3067\u3042\u308b\u3002\u4eba\u53e3\u306e\u9ad8\u9f62\u5316\u3068\u52b4\u50cd\u529b\u4e0d\u8db3\u306e\u6df1\u523b\u5316\u306b\u3088\u308a\u3001\u9280\u884c\u3001\u5c0f\u58f2\u696d\u8005\u3001\u516c\u5171\u30b5\u30fc\u30d3\u30b9\u306f\u3001\u65e5\u5e38\u696d\u52d9\u304b\u3089\u53cd\u5fa9\u7684\u306a\u4f5c\u696d\u3092\u6392\u9664\u3059\u308b\u3088\u3046\u3001\u307e\u3059\u307e\u3059\u5f37\u3044\u5727\u529b\u306b\u3055\u3089\u3055\u308c\u3066\u3044\u308b\u3002.<\/p>

That changes the business case for digital finance. In a cashless economy, a smoother payment is useful. A payment that can trigger an automated accounting process, confirm a customer’s identity and reduce administrative work is far more valuable.<\/p>

The policy direction is moving in the same direction. Japan’s Digital Agency is building digital infrastructure around reusable credentials, data coordination and services that can work across government and private-sector environments. As a result, the country’s cashless story is becoming less about payment methods and more about the infrastructure surrounding each transaction.<\/p>

\u30c7\u30b8\u30bf\u30ebID\u304c\u91d1\u878d\u30a4\u30f3\u30d5\u30e9\u3068\u306a\u308b<\/h3>

\u30de\u30a4\u30ca\u30f3\u30d0\u30fc\u30ab\u30fc\u30c9\u306f\u3001\u653f\u5e9c\u767a\u884c\u306e\u8eab\u5206\u8a3c\u660e\u66f8\u3068\u3057\u3066\u3088\u304f\u53d6\u308a\u4e0a\u3052\u3089\u308c\u308b\u3002\u3057\u304b\u3057\u3001\u305d\u306e\u8aac\u660e\u3067\u306f\u3001\u3088\u308a\u91cd\u8981\u306a\u9032\u5c55\u304c\u898b\u843d\u3068\u3055\u308c\u3066\u3044\u308b\u3002\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306b\u304a\u3051\u308b\u540c\u30ab\u30fc\u30c9\u306e\u771f\u306e\u4fa1\u5024\u306f\u3001IC\u30c1\u30c3\u30d7\u306b\u683c\u7d0d\u3055\u308c\u305f\u96fb\u5b50\u8a3c\u660e\u66f8\u306b\u3042\u308b\u306e\u3060\u3002.<\/p>

In Japan’s Japanese Public Key Infrastructure (JPKI), the card’s digital certificates provide both identity proof and validation of data integrity. But it’s important to note that the My Number itself isn’t used for authentication – making the card a crypto-based trust infrastructure that’s separate from identity.<\/p>

\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u7d4c\u6e08\u306b\u304a\u3051\u308b\u666e\u53ca\u306e\u52d5\u5411\u306f\u3001\u3082\u306f\u3084\u7121\u8996\u3057\u3065\u3089\u304f\u306a\u3063\u3066\u3044\u308b\u30022026\u5e748\u670831\u65e5\u73fe\u5728\u3001, 1,411<\/a> \u6c11\u9593\u4f01\u696d\u304cJPKI\u3092\u5229\u7528\u3057\u3066\u3044\u305f\u3002\u30c7\u30b8\u30bf\u30eb\u5e81\u306b\u3088\u308b\u3068\u3001\u53e3\u5ea7\u958b\u8a2d\u306bJPKI\u3092\u6d3b\u7528\u3057\u3066\u3044\u308b\u5229\u7528\u8005\u306b\u306f\u3001\u9280\u884c\u3084\u8a3c\u5238\u4f1a\u793e\u306a\u3069\u304c\u542b\u307e\u308c\u3066\u3044\u308b\u3002.<\/p>

\u3053\u308c\u306b\u3088\u308a\u3001eKYC\u306e\u7d4c\u6e08\u6027\u304c\u5909\u308f\u308b\u3002\u9867\u5ba2\u306b\u66f8\u985e\u306e\u5199\u771f\u3092\u64ae\u3089\u305b\u3001\u9001\u4fe1\u3055\u305b\u3001\u624b\u52d5\u3067\u5be9\u67fb\u3057\u3001\u305d\u306e\u60c5\u5831\u3092\u5404\u6bb5\u968e\u3067\u518d\u5165\u529b\u3055\u305b\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u7d44\u7e54\u306f\u3088\u308a\u76f4\u63a5\u7684\u306a\u30aa\u30f3\u30e9\u30a4\u30f3\u8a8d\u8a3c\u30d7\u30ed\u30bb\u30b9\u3092\u69cb\u7bc9\u3067\u304d\u308b\u3002JPKI\u306f\u66f8\u985e\u51e6\u7406\u3092\u52b9\u7387\u5316\u3057\u3001\u8fc5\u901f\u5316\u3059\u308b\u3053\u3068\u3067\u3001\u6642\u9593\u3068\u30b3\u30b9\u30c8\u3092\u7bc0\u7d04\u3057\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u8ca0\u62c5\u3092\u8efd\u6e1b\u3059\u308b\u3002.<\/p>

For FinTech companies, this creates a different product challenge. In a cashless economy, the identity layer can no longer be treated as a back-office compliance screen. It becomes part of the customer journey. Mobile applications need to support stronger digital verification, including the ability to interact with the card’s electronic credentials.<\/p>

\u3088\u308a\u5927\u304d\u306a\u8996\u70b9\u304c\u91cd\u8981\u3060\u3002\u30c7\u30b8\u30bf\u30ebID\u306f\u3001\u4ed6\u306e\u91d1\u878d\u30a4\u30f3\u30d5\u30e9\u304c\u305d\u306e\u691c\u8a3c\u6e08\u307f\u306eID\u306b\u57fa\u3065\u3044\u3066\u884c\u52d5\u3067\u304d\u308b\u5834\u5408\u306b\u306e\u307f\u3001\u7d4c\u6e08\u7684\u4fa1\u5024\u3092\u751f\u307f\u51fa\u3059\u3002\u30aa\u30f3\u30dc\u30fc\u30c7\u30a3\u30f3\u30b0\u30b7\u30b9\u30c6\u30e0\u5185\u306b\u4fdd\u5b58\u3055\u308c\u305f\u4fe1\u983c\u3067\u304d\u308b\u9867\u5ba2\u30d7\u30ed\u30d5\u30a1\u30a4\u30eb\u3082\u6709\u7528\u3067\u306f\u3042\u308b\u3002\u3057\u304b\u3057\u3001\u878d\u8cc7\u3001\u6c7a\u6e08\u3001\u53e3\u5ea7\u30b5\u30fc\u30d3\u30b9\u3001\u3042\u308b\u3044\u306f\u653f\u5e9c\u95a2\u9023\u306e\u91d1\u878d\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u306b\u76f4\u63a5\u6d3b\u7528\u3067\u304d\u308b\u4fe1\u983c\u3067\u304d\u308bID\u306e\u65b9\u304c\u3001\u306f\u308b\u304b\u306b\u5f37\u529b\u3060\u3002.<\/p>

Modernizing Japan’s Real-Time Payment Backbone<\/h3>

\"Japans\"\u672c\u4eba\u78ba\u8a8d\u306f\u91d1\u878d\u53d6\u5f15\u306e\u4e00\u5074\u9762\u3092\u62c5\u3046\u4e00\u65b9\u3067\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u7d4c\u6e08\u306f\u3001\u3082\u3046\u4e00\u65b9\u306e\u5074\u9762\u3067\u3042\u308b\u8cc7\u91d1\u306e\u52b9\u7387\u7684\u306a\u79fb\u52d5\u306b\u307e\u3059\u307e\u3059\u4f9d\u5b58\u3057\u3066\u3044\u308b\u3002.<\/p>

\u65e5\u672c\u306e\u300c\u30bc\u30f3\u30ae\u30f3\u30fb\u30b7\u30b9\u30c6\u30e0\u300d\u306f\u30011973\u5e74\u4ee5\u6765\u3001\u56fd\u5185\u9280\u884c\u6c7a\u6e08\u306b\u304a\u3044\u3066\u4e0d\u53ef\u6b20\u306a\u624b\u6bb5\u306e\u4e00\u3064\u3068\u306a\u3063\u3066\u3044\u308b\u3002\u7b2c7\u4e16\u4ee3\u30b7\u30b9\u30c6\u30e0\u306e\u958b\u767a\u306f\u3001\u305d\u306e\u51e6\u7406\u80fd\u529b\u3001\u51e6\u7406\u901f\u5ea6\u3001\u304a\u3088\u3073\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3092\u5411\u4e0a\u3055\u305b\u3088\u3046\u3068\u3059\u308b\u7d99\u7d9a\u7684\u306a\u53d6\u308a\u7d44\u307f\u306e\u6210\u679c\u3067\u3042\u308b\u3002\u300c\u30e2\u30a2\u30fb\u30bf\u30a4\u30e0\u300d\u306e\u958b\u767a\u306b\u3088\u308a\u3001\u901a\u5e38\u306e\u55b6\u696d\u6642\u9593\u5916\u3067\u3082\u6c7a\u6e08\u53d6\u5f15\u304c\u53ef\u80fd\u3068\u306a\u3063\u305f\u3002.<\/p>

The scale of current usage shows why this infrastructure matters. In August 2026, the More Time System processed an average of approximately 1.513 million small-value transactions per day. Average daily value reached approximately ¥276.9 billion. Transaction volume increased 17.8%<\/a> \u524d\u5e74\u540c\u671f\u6bd4\u3067\u3001\u4e00\u65b9\u3001\u4fa1\u5024\u306f23.9%\u5897\u52a0\u3057\u305f\u3002.<\/p>

\u3053\u3046\u3057\u305f\u6570\u5b57\u306f\u3001\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u6c7a\u6e08\u306b\u5bfe\u3059\u308b\u898b\u65b9\u3092\u4e00\u5909\u3055\u305b\u308b\u3082\u306e\u3060\u3002\u3053\u308c\u306f\u5358\u306a\u308b\u9280\u884c\u632f\u8fbc\u306e\u9ad8\u901f\u5316\u306b\u3068\u3069\u307e\u3089\u306a\u3044\u300224\u6642\u9593\u5229\u7528\u53ef\u80fd\u306b\u306a\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u304c\u6c7a\u6e08\u3092\u8ef8\u306b\u69cb\u7bc9\u3067\u304d\u308b\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u306e\u3042\u308a\u65b9\u304c\u5909\u308f\u308b\u3002\u6c7a\u6e08\u306e\u5b9f\u884c\u304c\u6642\u9593\u8ef8\u3092\u8d85\u3048\u3066\u3088\u308a\u4e88\u6e2c\u53ef\u80fd\u306b\u306a\u308c\u3070\u3001\u91d1\u878d\u5546\u54c1\u306f\u9280\u884c\u306e\u55b6\u696d\u518d\u958b\u3092\u5f85\u3064\u306e\u3067\u306f\u306a\u304f\u3001\u30a4\u30d9\u30f3\u30c8\u306b\u5fdc\u3058\u3066\u5bfe\u5fdc\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308b\u3002.<\/p>

ZEDI\u306f\u3001\u4f01\u696d\u5074\u306b\u304a\u3044\u3066\u305d\u306e\u8003\u3048\u3092\u3055\u3089\u306b\u63a8\u3057\u9032\u3081\u3066\u3044\u308b\u3002\u652f\u6255\u3044\u30e1\u30c3\u30bb\u30fc\u30b8\u306b\u3001\u3088\u308a\u8a73\u7d30\u306aXML\u30d9\u30fc\u30b9\u306e\u30c7\u30fc\u30bf\u3092\u4ed8\u52a0\u3059\u308b\u3053\u3068\u3067\u3001\u3053\u306e\u30b7\u30b9\u30c6\u30e0\u306f\u3001\u4ee5\u4e0b\u306e\u70b9\u306b\u5f79\u7acb\u3064\u60c5\u5831\u3092\u4f1d\u9054\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b \u5404\u793e<\/a> \u652f\u6255\u3044\u3092\u8acb\u6c42\u66f8\u3001\u4f1a\u8a08\u3001\u304a\u3088\u3073\u7167\u5408\u3068\u9023\u643a\u3055\u305b\u308b\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u304b\u3064\u3066\u306f\u624b\u4f5c\u696d\u306b\u3088\u308b\u7167\u5408\u306b\u4f9d\u5b58\u3057\u3066\u3044\u305f\u30d7\u30ed\u30bb\u30b9\u3092\u81ea\u52d5\u5316\u3059\u308b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u5c0e\u5165\u4f59\u5730\u304c\u751f\u307e\u308c\u308b\u3002.<\/p>

\u3057\u305f\u304c\u3063\u3066\u3001\u91cd\u8981\u306a\u5909\u5316\u306f\u5358\u306b\u30b9\u30d4\u30fc\u30c9\u3060\u3051\u3067\u306f\u306a\u3044\u3002\u305d\u308c\u306f\u6587\u8108\u3060\u3002\u30b7\u30b9\u30c6\u30e0\u304c\u305d\u306e\u652f\u6255\u3044\u304c\u4f55\u3092\u610f\u5473\u3059\u308b\u306e\u304b\u3092\u7406\u89e3\u3057\u3001\u305d\u308c\u3092\u53d6\u308a\u5dfb\u304f\u30d3\u30b8\u30cd\u30b9\u30d7\u30ed\u30bb\u30b9\u3068\u7d50\u3073\u3064\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308c\u3070\u3001\u305d\u306e\u652f\u6255\u3044\u306e\u6709\u7528\u6027\u306f\u9ad8\u307e\u308b\u3002.<\/p>

\u30a2\u30a4\u30c7\u30f3\u30c6\u30a3\u30c6\u30a3\u3068\u6c7a\u6e08\u306e\u4ea4\u5dee\u70b9<\/h3>

\u3053\u3053\u3067\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u7d4c\u6e08\u306f\u3001\u3042\u308a\u304d\u305f\u308a\u306a\u6c7a\u6e08\u306e\u8a71\u3088\u308a\u3082\u3055\u3089\u306b\u8208\u5473\u6df1\u3044\u3082\u306e\u306b\u306a\u308b\u3002.<\/p>

\u300c\u30de\u30a4\u30ca\u30f3\u30d0\u30fc\u30ab\u30fc\u30c9\u300d\u3068\u300cJPKI\u300d\u306f\u3001\u9ad8\u4fe1\u983c\u6027\u306e\u30c7\u30b8\u30bf\u30ebID\u3092\u78ba\u7acb\u3067\u304d\u308b\u3002\u300cZengin\u300d\u3068\u300cMore Time\u300d\u306f\u3001\u8fc5\u901f\u306a\u6c7a\u6e08\u51e6\u7406\u3092\u652f\u63f4\u3067\u304d\u308b\u3002\u3053\u308c\u3089\u306f\u5358\u4e00\u306e\u7d71\u5408\u3055\u308c\u305f\u5168\u56fd\u30b7\u30b9\u30c6\u30e0\u3067\u306f\u306a\u304f\u3001\u305d\u308c\u3089\u3092\u4e00\u3064\u306e\u30b7\u30b9\u30c6\u30e0\u3068\u3057\u3066\u6271\u3046\u3053\u3068\u306f\u3001\u305d\u306e\u30a2\u30fc\u30ad\u30c6\u30af\u30c1\u30e3\u3092\u904e\u5ea6\u306b\u5358\u7d14\u5316\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3002\u6a5f\u4f1a\u306f\u3001\u9280\u884c\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3001\u516c\u5171\u30b5\u30fc\u30d3\u30b9\u304c\u3001\u5b9f\u969b\u306e\u91d1\u878d\u30ef\u30fc\u30af\u30d5\u30ed\u30fc\u306e\u4e2d\u3067\u3053\u308c\u3089\u306e\u5c64\u3092\u3069\u306e\u3088\u3046\u306b\u7d50\u3073\u3064\u3051\u3089\u308c\u308b\u304b\u306b\u3042\u308b\u3002.<\/p>

\u878d\u8cc7\u696d\u52d9\u3092\u4f8b\u306b\u8003\u3048\u3066\u307f\u3088\u3046\u3002\u9867\u5ba2\u306f\u3001\u30c7\u30b8\u30bf\u30eb\u672c\u4eba\u78ba\u8a8d\u3001\u53e3\u5ea7\u78ba\u8a8d\u3001\u4e0e\u4fe1\u5be9\u67fb\u3001\u878d\u8cc7\u5b9f\u884c\u3068\u3044\u3063\u305f\u5404\u6bb5\u968e\u3092\u3001\u305d\u308c\u305e\u308c\u500b\u5225\u306e\u624b\u4f5c\u696d\u30d7\u30ed\u30bb\u30b9\u306b\u5206\u5272\u3059\u308b\u3053\u3068\u306a\u304f\u9032\u3081\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u305d\u306e\u5229\u70b9\u306f\u3001\u30b7\u30b9\u30c6\u30e0\u9593\u306e\u5f15\u304d\u7d99\u304e\u304c\u524a\u6e1b\u3055\u308c\u308b\u3053\u3068\u3060\u3002.<\/p>

\u540c\u3058\u7406\u5c48\u306f\u3001 \u653f\u5e9c<\/a> payments. Japan’s Public Money Receiving Account framework already points toward a model where citizens can register a deposit account for receiving benefits, reducing the need to repeatedly submit account information or supporting documents during benefit procedures. If both trusted identity and payment systems work together, public money can be transferred using a more efficient digital process.<\/p>

\u6cd5\u4eba\u5411\u3051\u9280\u884c\u696d\u52d9\u306b\u304a\u3044\u3066\u3082\u3001\u5225\u306e\u6d3b\u7528\u4e8b\u4f8b\u304c\u8003\u3048\u3089\u308c\u308b\u3002\u6cd5\u4eba\u5411\u3051\u6c7a\u6e08\u3067\u306f\u53d6\u5f15\u30c7\u30fc\u30bf\u306e\u5145\u5b9f\u304c\u56f3\u308c\u308b\u307b\u304b\u3001\u672c\u4eba\u78ba\u8a8d\u3084\u53e3\u5ea7\u78ba\u8a8d\u306e\u81ea\u52d5\u5316\u306b\u3088\u308a\u3001\u65b0\u898f\u53d6\u5f15\u958b\u59cb\u3084\u627f\u8a8d\u624b\u7d9a\u304d\u306e\u7169\u308f\u3057\u3055\u304c\u8efd\u6e1b\u3055\u308c\u308b\u3002\u3053\u306e\u3088\u3046\u306b\u3057\u3066\u3001\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306e\u6a5f\u80fd\u306f\u3001\u8ca1\u52d9\u3001\u7d4c\u7406\u3001\u904b\u8ee2\u8cc7\u91d1\u7ba1\u7406\u306e\u30d7\u30ed\u30bb\u30b9\u306b\u304a\u3044\u3066\u3001\u3088\u308a\u6709\u7528\u306a\u3082\u306e\u3068\u306a\u308b\u3060\u308d\u3046\u3002.<\/p>

\u3057\u304b\u3057\u3001\u3053\u3053\u3067\u91cd\u8981\u306a\u73fe\u5b9f\u3092\u76f4\u8996\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3002\u6c7a\u6e08\u51e6\u7406\u306e\u9ad8\u901f\u5316\u304c\u3001\u81ea\u52d5\u7684\u306b\u6c7a\u6e08\u30ea\u30b9\u30af\u306e\u5b8c\u5168\u306a\u6392\u9664\u3092\u610f\u5473\u3059\u308b\u308f\u3051\u3067\u306f\u306a\u3044\u3057\u3001\u30c7\u30b8\u30bf\u30ebID\u305d\u306e\u3082\u306e\u304c\u4e0d\u6b63\u3092\u6839\u7d76\u3059\u308b\u308f\u3051\u3067\u3082\u306a\u3044\u3002\u305d\u306e\u5229\u70b9\u306f\u3001\u5b89\u5168\u5bfe\u7b56\u3092\u5f31\u3081\u308b\u3053\u3068\u306a\u304f\u3001\u4fe1\u983c\u3067\u304d\u308bID\u3001\u6c7a\u6e08\u30a4\u30f3\u30d5\u30e9\u3001\u7d71\u5236\u3001\u304a\u3088\u3073\u30d3\u30b8\u30cd\u30b9\u30ed\u30b8\u30c3\u30af\u3092\u9023\u643a\u3055\u305b\u308b\u3053\u3068\u306b\u3042\u308b\u3002.<\/p>

The Road Ahead for Japan’s Financial Infrastructure<\/h3>

Japan’s next move may be even more important than the systems already in place. In a May 2026 speech, the Bank of Japan referenced a March 2026 Zengin-Net<\/a> \u65e2\u5b58\u306e\u300c\u30bc\u30f3\u30ae\u30f3\u30fb\u30b7\u30b9\u30c6\u30e0\u300d\u3068\u306f\u5225\u306e\u3001\u65b0\u305f\u306a\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u3092\u63d0\u6848\u3059\u308b\u7814\u7a76\u3060\u3002\u3053\u306e\u63d0\u6848\u3067\u306f\u3001\u30c8\u30fc\u30af\u30f3\u5316\u3055\u308c\u305f\u9810\u91d1\u306a\u3069\u306e\u6280\u8853\u306b\u5bfe\u5fdc\u53ef\u80fd\u3067\u3042\u308a\u3001\u65e5\u672c\u9280\u884c\u306b\u304a\u3051\u308b\u30c8\u30fc\u30af\u30f3\u5316\u3055\u308c\u305f\u5f53\u5ea7\u9810\u91d1\u3068\u306e\u9023\u643a\u3082\u8996\u91ce\u306b\u5165\u308c\u3066\u3044\u308b\u3002.<\/p>

\u3053\u308c\u306f\u3001\u3088\u308a\u5927\u304d\u306a\u5909\u5316\u306e\u5146\u3057\u3060\u3002\u65e5\u672c\u306f\u3001\u5f93\u6765\u306e\u91d1\u878d\u30e2\u30c7\u30eb\u306b\u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u306e\u9078\u629e\u80a2\u3092\u8ffd\u52a0\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u306a\u3044\u3002\u6b21\u306e\u6c7a\u6e08\u30a2\u30fc\u30ad\u30c6\u30af\u30c1\u30e3\u304c\u3069\u306e\u3088\u3046\u306a\u3082\u306e\u3067\u3042\u308b\u3079\u304d\u304b\u3092\u6a21\u7d22\u3057\u3066\u3044\u308b\u306e\u3060\u3002.<\/p>

\u3053\u3061\u3089\u3082\u304a\u8aad\u307f\u304f\u3060\u3055\u3044\uff1a StoneX\u3001\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u62e0\u70b9\u3092\u8a2d\u3051\u3001\u30a2\u30b8\u30a2\u592a\u5e73\u6d0b\u5730\u57df\uff08APAC\uff09\u3067\u306e\u5916\u56fd\u70ba\u66ff\u696d\u52d9\u3092\u62e1\u5927\u3059\u308b<\/a><\/h4>

\u305d\u308c\u306b\u3088\u308a\u3001\u91d1\u878d\u6a5f\u95a2\u304c\u6e2c\u5b9a\u3059\u3079\u304d\u6307\u6a19\u3082\u5909\u308f\u308b\u3002\u53d6\u5f15\u306e\u30b9\u30d4\u30fc\u30c9\u306f\u3001\u9032\u6357\u3092\u6e2c\u308b\u826f\u3044\u6307\u6a19\u306b\u306f\u306a\u3089\u306a\u3044\u3002\u305d\u306e\u4ee3\u308f\u308a\u306b\u3001\u305d\u308c\u306f \u9867\u5ba2\u4f53\u9a13<\/a> \u6c7a\u6e08\u30d7\u30ed\u30bb\u30b9\u3092\u3088\u308a\u52b9\u7387\u7684\u304b\u3064\u5b89\u5168\u306b\u3057\u3001\u9867\u5ba2\u306e\u610f\u56f3\u304b\u3089\u91d1\u92ad\u7684\u306a\u7d50\u679c\u306b\u81f3\u308b\u307e\u3067\u306e\u6d41\u308c\u3092\u3088\u308a\u826f\u3044\u3082\u306e\u306b\u3059\u308b\u3002\u5358\u306b\u73fe\u91d1\u3092\u30c7\u30b8\u30bf\u30eb\u753b\u9762\u306b\u7f6e\u304d\u63db\u3048\u308b\u3060\u3051\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306b\u306f\u3001\u6226\u7565\u7684\u306a\u4fa1\u5024\u306f\u306a\u3044\u3002\u3057\u304b\u3057\u3001\u672c\u4eba\u78ba\u8a8d\u3001\u6c7a\u6e08\u3001\u610f\u601d\u6c7a\u5b9a\u3092\u7d71\u5408\u3057\u305f\u30b7\u30b9\u30c6\u30e0\u3067\u3042\u308c\u3070\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u5909\u9769\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002.<\/p>

\u3053\u308c\u306b\u306f\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306e\u8cac\u4efb\u8005\u304c\u30c7\u30b8\u30bf\u30ebID\u3092\u88fd\u54c1\u306e\u30a4\u30f3\u30d5\u30e9\u3068\u3057\u3066\u6271\u3046\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u308b\u3002\u307e\u305f\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u306b\u306f\u3001\u672c\u4eba\u78ba\u8a8d\u3001\u6c7a\u6e08\u3001\u53e3\u5ea7\u7ba1\u7406\u30b7\u30b9\u30c6\u30e0\u3092\u7d71\u5408\u3055\u308c\u305f\u30b7\u30b9\u30c6\u30e0\u3068\u3057\u3066\u8a2d\u8a08\u3059\u308b\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u308b\u3002\u3055\u3089\u306b\u3001\u6d77\u5916\u306e\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u4f01\u696d\u306b\u306f\u3001\u30a4\u30f3\u30d5\u30e9\u3068ID\u30b7\u30b9\u30c6\u30e0\u304c\u3001\u6700\u521d\u304b\u3089\u9867\u5ba2\u4f53\u9a13\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u3053\u3068\u3092\u8a8d\u8b58\u3059\u308b\u3053\u3068\u304c\u6c42\u3081\u3089\u308c\u308b\u3002.<\/p>

The question is no longer who can make a payment app faster. It is who can connect identity, money movement and business processes with the least friction while keeping trust intact. Japan’s Cashless Economy 2.0 is beginning to answer that question.<\/p>

 <\/p>

 <\/p>","protected":false},"excerpt":{"rendered":"

Japan spent years trying to move consumers away from cash. The bigger shift is happening now. The cashless economy is becoming infrastructure, not just a consumer habit. Cashless payments are no longer the finish line. They are becoming the base layer for a financial system where identity can be verified digitally, payments can move around the clock, and routine financial work can happen with far less manual effort.That is what Cashless Economy 2.0 means in practice. It is the convergence of Japan’s My Number Card and JPKI identity infrastructure with the modern Zengin payment network. Together, these systems point toward a financial model that can connect trusted identity with faster […]<\/p>\n","protected":false},"author":5,"featured_media":39957,"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":[940,1,8098],"tags":[1256,8502,7600,314,4028],"ppma_author":[324],"class_list":["post-39931","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance-tech","category-fintech","category-news-articles","tag-digital-identity","tag-financial-services","tag-government","tag-japan","tag-meti"],"yoast_head":"\nJapan\u2019s Cashless Economy 2.0 Reshapes Financial Services<\/title>\n<meta name=\"description\" content=\"Real-time payments and digital identity are transforming Japan\u2019s cashless economy and reshaping the future of financial services.\" \/>\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\/finance-tech\/japans-cashless-economy-2-0-how-real-time-payments-and-digital-identity-are-reshaping-financial-services\/\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Japan\u2019s Cashless Economy 2.0 Reshapes Financial Services\" \/>\n<meta property=\"og:description\" content=\"Real-time payments and digital identity are transforming Japan\u2019s cashless economy and reshaping the future of financial services.\" \/>\n<meta property=\"og:url\" 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