{"id":14491,"date":"2021-01-11T00:00:00","date_gmt":"2021-01-11T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/%e3%83%86%e3%82%af%e3%83%8e%e3%83%ad%e3%82%b8%e3%83%bc%e3%81%ae%e5%a4%89%e9%9d%a9%e3%81%ab%e5%82%99%e3%81%88%e3%81%9f%e9%87%91%e8%9e%8d\/"},"modified":"2026-05-13T07:52:58","modified_gmt":"2026-05-13T07:52:58","slug":"%e3%83%86%e3%82%af%e3%83%8e%e3%83%ad%e3%82%b8%e3%83%bc%e3%81%ae%e5%a4%89%e9%9d%a9%e3%81%ab%e5%82%99%e3%81%88%e3%81%9f%e9%87%91%e8%9e%8d","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/ja\/perspectives\/%e3%83%86%e3%82%af%e3%83%8e%e3%83%ad%e3%82%b8%e3%83%bc%e3%81%ae%e5%a4%89%e9%9d%a9%e3%81%ab%e5%82%99%e3%81%88%e3%81%9f%e9%87%91%e8%9e%8d\/","title":{"rendered":"\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5909\u9769\u306b\u5099\u3048\u305f\u91d1\u878d"},"content":{"rendered":"

With technology evolving at dizzying speeds, the future successes of the financial services<\/a> industry will be dictated by who can capitalize on these changes most quickly and exploit them with maximum impact.\u00a0<\/p>\n

Gone is the image that finance firms used to project: of stolid, august institutions, standing steady against the changing trends of the world around them.<\/p>\n

Instead, today\u2019s financial services businesses must, by necessity, present a more dynamic persona; one nimble enough to meet the fast-changing needs of consumers, while making the most of the latest innovations.<\/p>\n

Technology is both a driver and enabler of this revolution. \u00a0Traditional banks have lost ground \u2013 and custom \u2013 to the Big Tech behemoths: to Apple, Google, Facebook, Microsoft, Amazon and others. \u00a0Similarly, startups have struggled to maintain momentum against these industry titans who, by their very nature, have their finger on the button of . . .\u00a0 well, everything!<\/p>\n

Each of these Big Tech \u2018disruptors\u2019 have proved hyper-responsive to changing patterns of behavior.\u00a0 Each comes ready-equipped with the technology to slip effortlessly into new markets.\u00a0 It\u2019s a formidable proposition for both financial services mainstays and startups alike to counter.<\/p>\n

Understanding this new technological environment, while incorporating its infinite possibilities into existing practices, is vital for navigating the future financial services landscape.\u00a0 Not just for businesses, but for customers, too.\u00a0 The last few years have seen a fundamental reinvention of the way we , as individuals, interact with our finances. \u00a0There have been huge benefits for the customer, but also considerable challenges and opportunities for providers. \u00a0And the tech transformation is only just beginning.<\/p>\n

How innovation will become embedded<\/em><\/h2>\n

If financial services providers don\u2019t adapt quickly enough to changing consumer needs, Big Tech firms categorically will. \u00a0At a consumer level, consider the declining use of ATMs for cash withdrawals or deposits. \u00a0A decade ago, cash was used in six out of 10 transactions, but by 2019 it was used in fewer than three in 10 purchaseshttps:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf
\nhttps:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&IR=T<\/p>\n

https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html
\nhttps:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers.<\/p>\n","protected":false},"featured_media":14473,"menu_order":0,"template":"","class_list":["post-14491","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\n\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5909\u9769\u306b\u5099\u3048\u305f\u91d1\u878d - Abdul Latif Jameel<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"ja_JP\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5909\u9769\u306b\u5099\u3048\u305f\u91d1\u878d - Abdul Latif Jameel\" \/>\n<meta property=\"og:description\" content=\"With technology evolving at dizzying 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Latif Jameel","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/10.0.2.222\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ja"}]}},"post-meta-fields":{"_wp_page_template":["default"],"_published_date":["field_6057129b493f5"],"published_date":["20210111"],"_location":["field_601267396ce72"],"location":["\u30c9\u30d0\u30a4\u3001\u30a2\u30e9\u30d6\u9996\u9577\u56fd\u9023\u90a6"],"_featured":["field_601a3b473c5c5"],"featured":["0"],"_footnotes":["field_66fd39afb9383"],"footnotes":["<a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.bbc.co.uk\/news\/business-54545830\">Will we be getting our cash from shops, not ATMs? - BBC News<\/a>\r\n\r\n<a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf\">https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf<\/a>\r\n\r\n<a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&IR=T\">https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&IR=T<\/a>\r\n\r\n<a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers\">https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers<\/a>.\r\n\r\n<a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/\">https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/<\/a>\r\n\r\n<a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005\">https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005<\/a>"],"_business_sector":["field_66f6b5bcac8cb"],"business_sector":["\u91d1\u878d\u30b5\u30fc\u30d3\u30b9"],"_content_series":["field_66fe3c439f8f6"],"content_series":[""],"_old_post_id":["field_66fe3fd59f8f7"],"old_post_id":["83139"],"_short_title":["field_60925d67125ef"],"short_title":["\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306e\u5909\u9769\u306b\u5099\u3048\u305f\u91d1\u878d"],"_summary":["field_6019304103a20"],"summary":["<p>\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u304c\u6025\u901f\u306b\u9032\u5316\u3059\u308b\u4e2d\u3001\u3053\u308c\u3089\u306e\u5909\u5316\u3092\u3044\u3061\u65e9\u304f\u5229\u7528\u3057\u3066\u3001\u6700\u5927\u306e\u52b9\u679c\u3092\u6d3b\u7528\u3067\u304d\u308b\u304b\u3069\u3046\u304b\u304c\u3001\u4eca\u5f8c\u306e\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u696d\u754c\u3067\u306e\u6210\u529f\u3092\u5de6\u53f3\u3057\u307e\u3059\u3002<\/p>"],"_mobile_featured_image":["field_66f6b4bee65f3"],"mobile_featured_image":["https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Financial-technology-transformation.jpg"],"_push_notification":["field_66f6b47de65f1"],"push_notification":[""],"_publish_mobile":["field_66f6b491e65f2"],"publish_mobile":["0"],"_status":["field_652694983fe12"],"status":["publish"],"_thumbnail_id":["14473"],"_wpml_word_count":["{\"total\":113,\"to_translate\":{\"ar\":113,\"zh-hans\":113,\"fr\":113,\"ja\":113,\"es\":113,\"tr\":113}}"],"_last_translation_edit_mode":["native-editor"],"amazonS3_cache":["a:20:{s:75:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/nilufer-gunhan.jpg\";a:2:{s:2:\"id\";s:5:\"17332\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/nilufer-gunhan.jpg\";a:2:{s:2:\"id\";s:5:\"17332\";s:11:\"source_type\";s:13:\"media-library\";}s:107:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Fintechs-Views-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17339\";s:11:\"source_type\";s:13:\"media-library\";}s:109:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Fintechs-Views-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17339\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-1024x576.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:80:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:89:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Apple-Credit-Card-1024x576.jpg\";a:2:{s:2:\"id\";s:5:\"17334\";s:11:\"source_type\";s:13:\"media-library\";}s:68:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech-300x200.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:70:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Fintech-300x200.jpg\";a:2:{s:2:\"id\";s:5:\"17335\";s:11:\"source_type\";s:13:\"media-library\";}s:111:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Unlocking-Pathways-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17340\";s:11:\"source_type\";s:13:\"media-library\";}s:113:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/ALJ-Financial-Services-Unlocking-Pathways-1-scaled.jpg\";a:2:{s:2:\"id\";s:5:\"17340\";s:11:\"source_type\";s:13:\"media-library\";}s:77:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:85:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:79:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security.jpg\";a:2:{s:2:\"id\";s:5:\"17337\";s:11:\"source_type\";s:13:\"media-library\";}s:87:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/10\/Digital-Security-300x169.jpg\";a:2:{s:2:\"id\";s:5:\"17337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