豆知識
公開日:2016.05.02

金融システムだけじゃない今後のフィンテックの大きな可能性

近頃ようやく日本でも高い関心を持たれ始めたフィンテック。これまで当たり前だったお金の流れも、今後は変わってきそうですね。フィンテックとはファイナンス(Finance)とテクノロジー(Technology)を合わせた言葉で、金融方面で使われる技術です。

分かりやすい例としては、スマートフォンで決済出来るPayPalや楽天Payなどです。過去にはクレジットカード決済の場合は専用端末が必要だったのに、今ではスマホに簡単な器具を付ける事でどんなビジネスにもクレジットカードを導入する事ができるようになりました。

またアプリで家計簿を管理出来て、銀行とも連動出来る「MoneyForward」や、個人事業主や会社経営者でも会計ソフトとしてスマホアプリで管理出来る「Freee」などもあります。クレジットカードをひとまとめにするサービスや、ポートフォリオのアドバイスをしてくれるサービス、システムで判断し、オススメの株や為替、投資信託を自動判断してくれるサービスなど、どんどん革新的なサービスが出ています。そしてフィンテックの伸びは、銀行をはじめとした金融機関の存在を脅かすまでになっています。

またフィンテックの技術を金融以外の業界でも広く活用しようとする動きが出ています。今日は、フィンテックの現在とこれからを見ていきましょう。

ビットコインなど仮想通貨を扱うフィンテック

IT技術を駆使した金融サービス、フィンテック。スマホでの支払い決済やクラウドファンディングなど様々なサービスが提供されていますが、その中でも注目を浴びているのが仮想通貨の存在。仮想通貨といえばビットコインが有名ですが、近頃では種類も増え、より匿名性の高い仮想通貨の開発など注目を浴びつつあります。

そして、今年の3月には資金決済法で仮想通貨の定義や規制を定める条文が追加された改正案が閣議決定されました。それによると、仮想通貨は、支払や法定通貨(円やドル等)との交換に利用可能で、電子的移転が可能な財産的価値として、単なる物ではないがお金でもない物に位置付けられました。定義が広範なものであるため、ビットコインのようなものだけに限らない様々な形の仮想通貨が広まる可能性もあります。

ビットコインに代表される現在の仮想通貨の、お金(日本銀行が発行する銀行券)との違いは何かと言うと、実体を持たない電子データであり、中央機関や第三者機関など特定の機関が管理していないという点が挙げられるでしょうか。ビットコインは、ビットコインシステムによって全ての取引をオープンにする事で取引の整合性を保つ、特定の管理者が存在しない流通システムなのです。

お金でいうところの日本銀行だけでなく銀行も存在しません。また、世界規模のため国境もありません。という事は、万が一の銀行倒産による預金封鎖や為替相場による価格差の心配がないという事になります。また、送金手数料や、ECサイトの決済手数料もかからない、というメリットがあります。

メリットがあればデメリットもあるもの

お金に比べて価格の変動が激しく、昨日に高騰していたと思ったら1週間後には暴落している事も珍しくありません。また、仮想通貨口座がハッキングされて口座の残高を減らされたり、誤って違う人に送金をしてしまった時など、トラブルの際の保証がお金に比べて低いという事もあります。お金の場合、ある程度は銀行が保証をしてくれるのですが仮想通貨の銀行は自分、というような位置付けのため、自社で状況を把握して対応をしていく必要があります。

ビットコインなどの仮想通貨を流通するための技術ブロックチェーンは、各方面での活用が期待されています。これまで、貨幣の発行数から銀行システムまで貨幣の流通は銀行が管理してきました。仮想通貨の流通や通貨発行数を管理するのは銀行のような特定の機関ではなく、ブロックチェーンという技術。ブロックチェーンは、P2Pや鍵暗号技術を組み合わせて作られています。

仮想通貨は、これまでの取引情報の集積から成り立つ実体を持たない電子データ。そして、全ての取引データは公開された一連のデータとして成り立っており、整合性の合わないデータを弾くことによって2重支払いなどの不正を防いでいます。仮想通貨の発行数も常に一定の割合で発行されるように高度に計算されています。

また、運営機関が存在しないため、システム的に発生する計算負荷を任意の参加者が受け、その対価として仮想通貨を得るのですが、これを鉱山から金を発掘する作業になぞらえてマイニングと呼んでいます。

ブロックチェーン技術の各方面での活用が活発化している

特定の管理機関を設けないブロックチェーン技術は中間業者を必要とせずコストを抑えられるため、金融業界はもちろん、様々な場面での活用が期待されています。

ストリーミングやゲームなどのWEBコンテンツサービス、土地登記簿管理、複数クレジットカードを1枚の集約用カードに集約、完全無料のECサイト用決済システムなどが挙げられ、既に運用されているものもありますが、今後もどんどん増えていきそうです。

私たち中小企業では、この様に進化していく最新技術やサービスを他人事の様に捉えるのではなく、如何に自社のサービスに取り込めるかが大事です。なぜなら技術の進化の原則は、現在の不便を解消するためにあるのですから。

目が離せないフィンテックやブロックチェーン技術の各方面での応用、特に広告やマーケティングに活用出来そうであれば是非活用したいものです。

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執筆者:藤 勝行 (http://xlab.co.jp)

4年間経営した会社を倒産後、再度起業したインターネット広告代理店(エックスラボ)を3期目で年商約10億円グループにまで成長させる。集客をしたい中小企業の経営者や大手企業の担当者、同業他社までも参加するセミナーを開催する起業家。広告マン兼マーケッター。

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