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href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a>\u3002<\/p>\n<p>\u4e2d\u4f4e\u6240\u5f97\u56fd\uff08LMIC\uff09\u3067\u306f\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30af\u30b9\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u304c\u4e8b\u696d\u306e\u6210\u9577\u306e\u5236\u7d04\u3068\u306a\u3063\u3066\u3044\u308b\u3068\u3044\u3046\u8a3c\u62e0\u306f\u5341\u5206\u306b\u3042\u308a\u307e\u3059\u3002\u4e16\u754c\u7684\u306b\u898b\u3066\u3082\u3001\u5148\u9032\u7d4c\u6e08\uff08\u4f01\u696d\u306e56%\u304c\u878d\u8cc7\u306b\u9069\u683c\uff09\u3067\u306f\u65b0\u8208\u7d4c\u6e08\uff0823%\uff09\u306b\u6bd4\u3079\u3066\u501f\u5165\u304c\u306f\u308b\u304b\u306b\u5bb9\u6613\u3067\u3059<a href=\"#_ftn6\" 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name=\"_ftnref7\">[7]<\/a>\u3002<\/p>\n<p>\u3053\u308c\u3089\u306e\u30a2\u30ca\u30ed\u30b0\u306a\u30d3\u30b8\u30cd\u30b9\u306f\u3001\u5148\u9032\u5e02\u5834\u306e\u30e9\u30a4\u30d0\u30eb\u305f\u3061\u306e\u3088\u3046\u306b\u4e8b\u696d\u3092\u62e1\u5927\u3057\u3001\u5ba3\u4f1d\u6d3b\u52d5\u3092\u884c\u3044\u3001\u591a\u69d8\u5316\u3057\u3066\u3044\u304f\u3053\u3068\u304c\u3067\u304d\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u7d4c\u55b6\u304c\u4f4e\u8abf\u306a\u671f\u9593\u306b\u751f\u304d\u6b8b\u308b\u305f\u3081\u306e\u8cc7\u91d1\u3092\u78ba\u4fdd\u3057\u3066\u30ec\u30b8\u30ea\u30a8\u30f3\u30b9\u3092\u9ad8\u3081\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u305b\u3093\u3002\u7279\u306b\u3001LMIC\u306e\u5973\u6027\u304c\u7387\u3044\u308b\u96f6\u7d30\u4f01\u696d\u306b\u95a2\u3057\u3066\u306f\u30011,730\u5104\u7c73\u30c9\u30eb\u306e\u8cc7\u91d1\u304c\u4e0d\u8db3\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u7814\u7a76\u3067\u660e\u3089\u304b\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u305d\u306e\u4ed6\u306e\u6307\u6a19\u3067\u306f\u3001\u5f90\u3005\u306b\u5909\u5316\u304c\u8d77\u3053\u308a\u3064\u3064\u3042\u308b\u3053\u3068\u304c\u793a\u5506\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u9280\u884c\u53e3\u5ea7\u3092\u6301\u305f\u306a\u3044\u4e16\u754c\u306e14\u5104\u306e\u4eba\u3005\u306b\u306f\u5927\u3057\u305f\u6170\u3081\u306b\u3082\u306a\u308a\u307e\u305b\u3093\u304c\u3001\u91d1\u878d\u7684\u306a\u4ed5\u7d44\u307f\u304b\u3089\u6392\u9664\u3055\u308c\u3066\u3044\u308b\u4eba\u306e\u6570\u306f\u5e74\u3005\u6e1b\u5c11\u3057\u3066\u3044\u307e\u3059\u30022011\u5e74\u306b\u306f\u3001\u304a\u3088\u305d250\u4e07\u4eba\u306e\u6210\u4eba\u304c\u9280\u884c\u53e3\u5ea7\u3092\u6301\u305f\u305a\u3001\u8caf\u84c4\u3082\u306a\u3044\u305d\u306e\u65e5\u66ae\u3089\u3057\u3092\u5f37\u3044\u3089\u308c\u3066\u3044\u307e\u3057\u305f\u3002\u3053\u308c\u306f\u73fe\u5728\u540c\u69d8\u306e\u82e6\u5883\u306b\u3044\u308b\u4eba\u306e\u6570\u3092\u306f\u308b\u304b\u306b\u4e0a\u56de\u3063\u3066\u3044\u307e\u3059<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a>\u3002<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-124319\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" \/><\/p>\n<p>\u540c\u69d8\u306b\u3001\u9280\u884c\u53e3\u5ea7\u306e\u4fdd\u6709\u8005\u3068\u975e\u4fdd\u6709\u8005\u9593\u306e\u30b8\u30a7\u30f3\u30c0\u30fc\u683c\u5dee\u3082\u5f90\u3005\u306b\u7e2e\u307e\u3063\u3066\u3044\u307e\u3059\u30022017\u5e74\u3001\u65b0\u8208\u8af8\u56fd\u3067\u306f\u3001\u9280\u884c\u53e3\u5ea7\u306e\u4fdd\u6709\u7387\u306f\u7537\u6027\u304c\u5973\u6027\u3088\u308a\u7d049%\u591a\u3044\u72b6\u6cc1\u3067\u3057\u305f\u30022021\u5e74\u307e\u3067\u306b\u3053\u306e\u5dee\u306f6%\u306b\u307e\u3067\u7e2e\u307e\u308a\u3001\u5973\u6027\u306e\u81ea\u7acb\u306b\u5411\u3051\u305f\u30d7\u30e9\u30b9\u306e\u5146\u3057\u304c\u898b\u3048\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5148\u9032\u7684\u306a\u5404\u56fd\u653f\u5e9c\u306f\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u306e\u62e1\u5927\u306b\u5411\u3051\u3066\u3088\u308a\u7a4d\u6975\u7684\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u307e\u3059\u300260\u4ee5\u4e0a\u306e\u56fd\u304c\u3001\u901a\u4fe1\u3084\u74b0\u5883\u3001\u6559\u80b2\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u306b\u308f\u305f\u308b\u8907\u6570\u306e\u30b9\u30c6\u30fc\u30af\u30db\u30eb\u30c0\u30fc\u304b\u3089\u306e\u30a4\u30f3\u30d7\u30c3\u30c8\u3092\u3082\u3068\u306b\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u306b\u95a2\u3059\u308b\u56fd\u5bb6\u6226\u7565\u3092\u7b56\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u30a4\u30f3\u30c9\u3067\u306f\u3001\u30a2\u30fc\u30c0\u30fc\u30eb\u30b9\u30ad\u30fc\u30e0\u306b\u3088\u308a12\u5104\u4eba\u306e\u52b4\u50cd\u8005\u304c\u30e6\u30cb\u30d0\u30fc\u30b5\u30eb\u30c7\u30b8\u30bf\u30ebID\u3092\u4fdd\u6709\u3059\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u7d66\u4e0e\u304c\u6b63\u898f\u306e\u9280\u884c\u53e3\u5ea7\u306b\u632f\u308a\u8fbc\u307e\u308c\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u30e1\u30ad\u30b7\u30b3\u3067\u306f\u3001\u30ca\u30b7\u30e7\u30ca\u30eb\u30ab\u30a6\u30f3\u30b7\u30eb\u30fb\u30d5\u30a9\u30fc\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u304c\u5168\u56fd\u306eATM\u3084POS\u7aef\u672b\u306e\u5897\u8a2d\u3092\u9032\u3081\u3001\u30c7\u30b8\u30bf\u30eb\u5c0e\u5165\u3092\u63a8\u9032\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4e3b\u8981\u306a\u653f\u5e9c\u9593\u7d44\u7e54\u3067\u3042\u308b<a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#3\">\u4e16\u754c\u9280\u884c<\/a>\u3082\u3001\u4e16\u754c\u5404\u5730\u3067100\u4ee5\u4e0a\u306e\u30b9\u30ad\u30fc\u30e0\u3092\u5b9f\u65bd\u3057\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u3092\u4fc3\u9032\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u8cc7\u91d1\u306f\u3001\u8fb2\u696d\u306e\u30ec\u30b8\u30ea\u30a8\u30f3\u30b9\u3001\u793e\u4f1a\u4fdd\u969c\u5236\u5ea6\u3001\u30a8\u30cd\u30eb\u30ae\u30fc\u30a2\u30af\u30bb\u30b9\u3084\u6c17\u5019\u7de9\u548c\u306b\u4f7f\u7528\u3055\u308c\u307e\u3059\u30022024\u5e74\u3001\u4e16\u754c\u9280\u884c\u306f\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u5fc5\u8981\u3068\u3059\u308b680\u4e07\u4ef6\u306e\u5c0f\u898f\u6a21\u30d3\u30b8\u30cd\u30b9\uff08\u7d04\u534a\u6570\u304c\u5973\u6027\u30aa\u30fc\u30ca\u30fc\uff09\u306b\u8ca2\u732e\u3057\u307e\u3057\u305f\u3002\u4f8b\u3048\u3070\u30a2\u30d5\u30ea\u30ab\u306e\u3042\u308b\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u3067\u306f\u3001\u74b0\u5883\u95a2\u9023\u306e\u6c11\u9593\u8cc7\u91d1\u3092SME\u306e\u30af\u30ea\u30fc\u30f3\u30a8\u30cd\u30eb\u30ae\u30fc\u3078\u306e\u53d6\u308a\u7d44\u307f\u3092\u652f\u63f4\u3059\u308b\u305f\u3081\u306b\u5229\u7528\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u7d4c\u6e08\u6210\u9577\u3092\u5f37\u5316\u3057\u3001\u751f\u7523\u6027\u3092\u9ad8\u3081\u308b\u3053\u3068\u306b\u3088\u308a\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u306f\u8ffd\u3046\u4fa1\u5024\u306e\u3042\u308b\u76ee\u6a19\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u30bb\u30af\u30bf\u30fc\u306e\u767a\u5c55\u306f\u4e3b\u306b\u3001\u73fe\u4ee3\u306b\u904d\u5728\u3059\u308b\u6551\u4e16\u4e3b\u3067\u3042\u308b 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src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" 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href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a>\u3002<\/p>\n<p>\u643a\u5e2f\u96fb\u8a71\u306f\u3001\u65b0\u8208\u56fd\u306b\u304a\u3044\u3066\u300c\u30e2\u30d0\u30a4\u30eb\u30de\u30cd\u30fc\u30b5\u30fc\u30d3\u30b9\u300d\u3068\u3044\u3046\u65b0\u305f\u306a\u500b\u4eba\u91d1\u878d\u306e\u6982\u5ff5\u3092\u53ef\u80fd\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30a2\u30d7\u30ea\u3092\u642d\u8f09\u3059\u308b\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3\u3092\u901a\u3058\u3066\u5229\u7528\u3067\u304d\u308b\u30e2\u30d0\u30a4\u30eb\u30de\u30cd\u30fc\u30b5\u30fc\u30d3\u30b9\u306b\u3088\u308a\u3001\u30e6\u30fc\u30b6\u30fc\u306f\u5f93\u6765\u306e\u9280\u884c\u53e3\u5ea7\u3092\u6301\u305f\u305a\u306b\u652f\u6255\u3044\u3092\u9001\u91d1\u3001\u4fdd\u7ba1\u3001\u53d7\u9818\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u4fbf\u5229\u306a\u3053\u3068\u306b\u3001\u6b63\u898f\u4ee3\u7406\u5e97\u3067\u73fe\u91d1\u306e\u5f15\u304d\u51fa\u3057\u3082\u53ef\u80fd\u3067\u3059\u3002\u9810\u91d1\u306f\u73fe\u5730\u306e\u91d1\u878d\u898f\u5236\u306b\u3088\u308a\u4fdd\u8b77\u3055\u308c\u3001\u5168\u53d6\u5f15\u306e\u8a18\u9332\u304c\u4fdd\u7ba1\u3055\u308c\u308b\u305f\u3081\u3001SIM\u30ab\u30fc\u30c9\u3092\u7d1b\u5931\u3057\u305f\u308a\u76d7\u307e\u308c\u3066\u3082\u91d1\u92ad\u306e\u5b89\u5168\u6027\u306f\u78ba\u4fdd\u3055\u308c\u307e\u3059\u3002\u30b1\u30cb\u30a2\u306e\u8fb2\u6751\u5730\u57df\u306e\u8a66\u9a13\u7684\u653f\u7b56\u3067\u306f\u3001\u5b9f\u65bd\u4e16\u5e2f\u306e\u7d042%\u3092\u8ca7\u56f0\u304b\u3089\u6551\u3044\u51fa\u3059\u3053\u3068\u306b\u6210\u529f\u3057\u3066\u3044\u307e\u3059<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a>\u3002<\/p>\n<p>\u30ae\u30b0\u30a8\u30b3\u30ce\u30df\u30fc\u3067\u50cd\u304f\u4eba\u3084\u6642\u9593\u7d66\u3067\u7a3c\u3050\u4eba\u306e\u6570\u304c\u5897\u52a0\u3059\u308b\u306b\u3064\u308c\u3001\u6708\u7d66\u652f\u6255\u3044\u306e\u6642\u4ee3\u306f\u7d42\u7109\u306b\u8fd1\u3065\u304d\u3064\u3064\u3042\u308a\u307e\u3059\u3002\u652f\u6255\u3044\u6761\u4ef6\u304c\u305d\u308c\u305e\u308c\u7570\u306a\u308b\u8907\u6570\u306e\u96c7\u7528\u4e3b\u306e\u3082\u3068\u3067\u50cd\u3044\u3066\u3044\u305f\u5834\u5408\u3001\u3069\u3046\u3084\u3063\u3066\u7dca\u6025\u306e\u652f\u6255\u3044\u3092\u6e08\u307e\u305b\u305f\u308a\u3001\u30b9\u30fc\u30d1\u30fc\u3067\u8cb7\u3044\u7269\u3092\u3059\u308c\u3070\u3088\u3044\u306e\u3067\u3057\u3087\u3046\u304b\uff1f 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href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a>\u3002<\/p>\n<p>\u65b0\u8208\u5e02\u5834\u306e\u91d1\u878d\u89e3\u653e\u306f\u3001\u5805\u7262\u306a\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30a4\u30f3\u30d5\u30e9\u306a\u3057\u306b\u306f\u59cb\u307e\u308a\u307e\u305b\u3093\u3002\u30c6\u30c3\u30af\u4f01\u696d\u306f\u3001\u4eca\u304b\u30892026\u5e74\u307e\u3067\u306e\u9593\u306b\u3001\u4e2d\u6771\u3001\u30a2\u30d5\u30ea\u30ab\u3001\u30a2\u30b8\u30a2\u306e16\u30f6\u56fd\u306b\u308f\u305f\u308a\u4f4e\u4fa1\u683c\u306e\u63a5\u7d9a\u6027\u3068\u30c7\u30b8\u30bf\u30eb\u30b5\u30fc\u30d3\u30b9\u306b<a href=\"https:\/\/www.itu.int\/hub\/2024\/02\/why-e-pledged-to-boost-meaningful-connectivity\/\">\u6570\u5341\u5104\u30c9\u30eb\u3092\u6295\u8cc7\u3059\u308b<\/a>\u3068\u3044\u3046\u8a08\u753b\u306e\u6700\u524d\u7dda\u306b\u3044\u307e\u3059\u3002\u305d\u306e\u8cc7\u91d1\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u901f\u5ea6\u306e\u5411\u4e0a\u3068\u5149\u30d5\u30a1\u30a4\u30d0\u30fc\u306e\u5c0e\u5165\u306b\u6295\u5165\u3055\u308c\u308b\u4e88\u5b9a\u3067\u3059\u3002\u30d1\u30ad\u30b9\u30bf\u30f3\u3067\u306f\u3001\u3059\u3067\u306b100\u4e07\u4e16\u5e2f\u306b\u30c7\u30b8\u30bf\u30eb\u7d4c\u6e08\u304c\u5c0e\u5165\u3055\u308c\u3001\u4eca\u5f8c\u3055\u3089\u306b\u6570\u767e\u4e07\u4e16\u5e2f\u3078\u3068\u5897\u3048\u3066\u3044\u304f\u898b\u8fbc\u307f\u3067\u3059\u3002<\/p>\n<p>\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u3001\u4e16\u754c\u306e\u591a\u304f\u306e\u5730\u57df\u3067\u3001\u5f80\u3005\u306b\u3057\u3066\u81ea\u5206\u305f\u3061\u306e\u58f0\u3092\u5c4a\u3051\u308b\u3079\u304f\u596e\u95d8\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u5973\u6027\u8d77\u696d\u5bb6\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u306e\u5411\u4e0a\u306b\u3082\u4e00\u5f79\u8cb7\u3063\u3066\u3044\u307e\u3059\u3002\u30c7\u30b8\u30bf\u30eb\u4f1a\u8a08\u30a2\u30d7\u30ea\u306f\u3001\u4e2d\u5c0f\u4f01\u696d\uff08SME\uff09\u306e\u6b63\u78ba\u306a\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u8a18\u9332\u3068\u5728\u5eab\u7ba1\u7406\u306b\u5f79\u7acb\u3061\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u62c5\u4fdd\u304c\u306a\u3044\u72b6\u6cc1\u3067\u878d\u8cc7\u3092\u78ba\u4fdd\u3059\u308b\u306e\u306b\u4f7f\u7528\u3067\u304d\u308b\u8cb4\u91cd\u306a\u8ca1\u52d9\u8a18\u9332\u3068\u3082\u306a\u308a\u307e\u3059\u3002\u540c\u69d8\u306b\u3001\u96fb\u5b50\u7248\u306eKYC\uff08Know Your Customer\uff09\u3067\u3042\u308be-KYC\u6280\u8853\u306b\u3088\u308a\u3001\u65b0\u8208\u5e02\u5834\u306e\u5973\u6027\u4e8b\u696d\u4e3b\u306fID\u306e\u30c7\u30b8\u30bf\u30eb\u8a8d\u8a3c\u3092\u884c\u3046\u3053\u3068\u3067\u6700\u59272\u4e07\u7c73\u30c9\u30eb\u306e\u878d\u8cc7\u3092\u53d7\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u307e\u3059<a href=\"#_ftn13\" name=\"_ftnref13\">[13]<\/a>\u3002<\/p>\n<p>\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u56fd\u5bb6\u6cd5\u4ee4\u3092\u9075\u5b88\u3057\u305f\u4e0a\u3067\u306e\u9867\u5ba2\u306e\u8cc7\u7523\u4fdd\u8b77\u306b\u3082\u6d3b\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u306e\u3042\u3089\u3086\u308b\u30b7\u30b9\u30c6\u30e0\u304c\u6a5f\u80fd\u3059\u308b\u305f\u3081\u306b\u6b20\u304b\u305b\u307e\u305b\u3093\u3002\u898f\u5236\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\uff08\u30ec\u30b0\u30c6\u30c3\u30af\uff09\u3068\u76e3\u7763\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\uff08\u30b9\u30d7\u30c6\u30c3\u30af\uff09\u30c4\u30fc\u30eb\u306f\u3001\u65b0\u305f\u306a\u91d1\u878d\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u76e3\u7763\u3092\u5f62\u5f0f\u5316\u3059\u308b\u306e\u306b\u5f79\u7acb\u3063\u3066\u3044\u307e\u3059\u3002\u30ec\u30b0\u30c6\u30c3\u30af\u306f\u3001AI\u3084\u6a5f\u68b0\u5b66\u7fd2\u3001\u30d6\u30ed\u30c3\u30af\u30c1\u30a7\u30fc\u30f3\u3068\u3044\u3063\u305f\u6700\u65b0\u6280\u8853\u3092\u7d44\u307f\u8fbc\u307f\u3001\u4f01\u696d\u306e\u73fe\u5730\u7ba1\u8f44\u5730\u57df\u5185\u306e\u91d1\u878d\u898f\u5236\u306e\u9075\u5b88\u3092\u652f\u63f4\u3057\u3066\u3044\u307e\u3059\u3002\u30b9\u30d7\u30c6\u30c3\u30af\u306e\u30c4\u30fc\u30eb\u306f\u3001\u898f\u5236\u8005\u304c\u91d1\u878d\u6a5f\u95a2\u304b\u3089\u306e\u5927\u91cf\u306e\u30c7\u30fc\u30bf\u3092\u7cbe\u67fb\u3057\u3001\u9055\u53cd\u3084\u30ea\u30b9\u30af\u3092\u660e\u3089\u304b\u306b\u3059\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u30ec\u30b0\u30c6\u30c3\u30af\u3082\u30b9\u30d7\u30c6\u30c3\u30af\u3082\u3001\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306e\u30d7\u30ed\u30bb\u30b9\u3092\u5373\u6642\u30e2\u30cb\u30bf\u30ea\u30f3\u30b0\u3067\u81ea\u52d5\u5316\u3057\u3001\u6700\u7d42\u7684\u306b\u306f\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u306e\u767a\u5c55\u3092\u5c0e\u304d\u307e\u3059\u3002<\/p>\n<p>\u7d44\u307f\u8fbc\u307f\u306e\u91d1\u878d\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\uff08\u9280\u884c\u4ee5\u5916\u306e\u30a6\u30a7\u30d6\u30b5\u30a4\u30c8\u7d4c\u7531\u3067\u5229\u7528\u3067\u304d\u308b\u76f4\u63a5\u652f\u6255\u3044\u3084\u878d\u8cc7\u30c4\u30fc\u30eb\uff09\u304c\u666e\u53ca\u3057\u3064\u3064\u3042\u308a\u3001\u8ab0\u3067\u3082\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8\u30a2\u30af\u30bb\u30b9\u3055\u3048\u3042\u308c\u3070\u3001\u3088\u308a\u8fc5\u901f\u3067\u878d\u901a\u306e\u52b9\u304f\u53d6\u5f15\u306e\u9078\u629e\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u65b0\u305f\u306a\u5373\u6642\u9001\u91d1\u30b7\u30b9\u30c6\u30e0\uff08FPS\uff09\u3082\u3001\u65b0\u8208\u5e02\u5834\u306b\u304a\u3051\u308b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306e\u6d78\u900f\u3092\u52a0\u901f\u3055\u305b\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306b\u3088\u308a\u3001\u5f93\u6765\u306e\u96fb\u5b50\u652f\u6255\u3044\u3088\u308a\u306f\u308b\u304b\u306b\u901f\u3044\u3001\u307b\u307c\u5373\u6642\u306e\u53e3\u5ea7\u9593\u8cc7\u91d1\u79fb\u52d5\u304c\u53ef\u80fd\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u8ab0\u3082\u304c\u5229\u7528\u3067\u304d\u3001\u500b\u4eba\u9593\u3084\u4f01\u696d\u9593\u3001\u56fd\u5185\u5916\u3092\u554f\u308f\u305a\u3001\u3055\u307e\u3056\u307e\u306a\u30bf\u30a4\u30d7\u306e\u53d6\u5f15\u306b\u5bfe\u5fdc\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3064\u3064\u3042\u308a\u307e\u3059\u3002\u30da\u30a4\u30e1\u30f3\u30c8\u30b7\u30b9\u30c6\u30e0\u30fb\u30c7\u30a3\u30d9\u30ed\u30c3\u30d7\u30e1\u30f3\u30c8\u30fb\u30b0\u30eb\u30fc\u30d7\uff08<a href=\"https:\/\/www.worldbank.org\/en\/topic\/paymentsystemsremittances\">PSDG<\/a>\uff09\u306a\u3069\u306e\u56fd\u969b\u30a4\u30cb\u30b7\u30a2\u30c1\u30d6\u304c\u3001\u30d6\u30e9\u30b8\u30eb\u306e<a href=\"https:\/\/www.bcb.gov.br\/en\/financialstability\/pix_en\">Pix<\/a>\u3084\u30b3\u30b9\u30bf\u30ea\u30ab\u306e<a href=\"https:\/\/www.bccr.fi.cr\/en\/payments-system\/public-services\/sinpe-m%C3%B3vil\">SINPE M\u00f3vil<\/a>\u3092\u4e3b\u306a\u30c6\u30f3\u30d7\u30ec\u30fc\u30c8\u3068\u3057\u3066\u3001\u73fe\u5728\u307e\u3067\u306b120\u30f6\u56fd\u4ee5\u4e0a\u306e\u652f\u6255\u30b7\u30b9\u30c6\u30e0\u306e\u6700\u65b0\u5316\u3092\u652f\u63f4\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u6c11\u9593\u30bb\u30af\u30bf\u30fc\u306f\u3001\u91d1\u92ad\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u6539\u5584\u3059\u308b\u305f\u3081\u306e\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u30c7\u30b8\u30bf\u30eb\u5316\u306b\u71b1\u5fc3\u306b\u53d6\u308a\u7d44\u3093\u3067\u3044\u307e\u3059\u3002Abdul Latif Jameel\uff08\u30a2\u30d6\u30c9\u30a5\u30eb\u30fb\u30e9\u30c6\u30a3\u30d5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\uff09\u306f\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u5c0e\u5165\u3068\u5305\u6442\u306e\u62e1\u5927\u3092\u76ee\u6307\u3059\u56fd\u969b\u7684\u306a\u53d6\u308a\u7d44\u307f\u306e\u6700\u524d\u7dda\u3092\u7387\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Abdul Latif Jameel Finance\uff08\u30a2\u30d6\u30c9\u30a5\u30eb\u30fb\u30e9\u30c6\u30a3\u30d5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\u30fb\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\uff09\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u306e\u5098\u4e0b\u306b\u3042\u308b<a href=\"https:\/\/www.aljfinance.com\/en\/business\/bab-rizq-jameel\">Bab Rizq Jameel Microfinance\uff08\u30d0\u30d6\u30fb\u30ea\u30ba\u30af\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\u30fb\u30de\u30a4\u30af\u30ed\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\uff09<\/a>\u306f\u3001\u9577\u304f\u9ed9\u6bba\u3055\u308c\u3066\u304d\u305f\u5e02\u5834\u306b\u30b7\u30e3\u30ea\u30fc\u30a2\u6e96\u62e0\u306e\u878d\u8cc7\u3092\u63d0\u4f9b\u3057\u3001\u8d77\u696d\u5bb6\u3084SME\u306e\u8d77\u696d\u5bb6\u7cbe\u795e\u306e\u80b2\u6210\u3092\u652f\u63f4\u3057\u3066\u3044\u307e\u3059\u3002\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u306e\u4ed6\u306e\u5730\u57df\u3067\u306f\u3001<a href=\"https:\/\/www.aljfinance.com\/en\/individuals\/cash-financing-individuals\">Cash Jameel<\/a>\uff08\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\uff09\u304c\u96fb\u8a71\u30a2\u30d7\u30ea\u7d4c\u7531\u3067\u9867\u5ba2\u304b\u3089\u306e1\u4e07\u301c30\u4e07\u30b5\u30a6\u30b8\u30fb\u30ea\u30a2\u30eb\u306e\u878d\u8cc7\u7533\u8acb\u3092\u4fdd\u8a3c\u4eba\u306a\u3057\u3067\u53d7\u3051\u4ed8\u3051\u3001\u6570\u5206\u306e\u3046\u3061\u306b\u5be9\u67fb\u306e\u627f\u8a8d\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u3001Abdul Latif Jameel Investment Management Company\uff08\u30a2\u30d6\u30c9\u30a5\u30eb\u30fb\u30e9\u30c6\u30a3\u30d5\u30fb\u30b8\u30e3\u30df\u30fc\u30eb\u30fb\u30a4\u30f3\u30d9\u30b9\u30c8\u30e1\u30f3\u30c8\u30fb\u30de\u30cd\u30b8\u30e1\u30f3\u30c8\u30fb\u30ab\u30f3\u30d1\u30cb\u30fc\uff0f<a href=\"https:\/\/jimco.com\/en\/\">JIMCO<\/a>\uff09\u306f\u3001\u500b\u4eba\u3084\u4f01\u696d\u304c\u6700\u3082\u5fc5\u8981\u3068\u3059\u308b\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u5fc5\u8981\u306a\u8cc7\u91d1\u306b\u30a2\u30af\u30bb\u30b9\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u6570\u591a\u304f\u306e\u4e8b\u696d\u306b\u6295\u8cc7\u3092\u884c\u3063\u3066\u3044\u307e\u3059\u3002\u4e3b\u306a\u6295\u8cc7\u5148\u306b\u306f\u4ee5\u4e0b\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u793e\u4f1a\u7684\u5f71\u97ff\u306e\u3042\u308b\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3001<a href=\"https:\/\/jimco.com\/en\/portfolio\/\">Ziina<\/a>\uff08\u30b8\u30fc\u30ca\uff09\u306e\u5373\u6642\u652f\u6255\u3044\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u3001MENA\u5168\u57df\u306e\u52b4\u50cd\u8005\u306f\u3059\u3067\u306b\u50cd\u3044\u305f\u5206\u306e\u7d66\u4e0e\u3092\u652f\u6255\u65e5\u524d\u306b\u5f15\u304d\u51fa\u305b\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/li>\n<li>\u5f8c\u6255\u3044\u6c7a\u6e08\uff08BNPL\uff09\u306e\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u4f01\u696d\u3067\u3042\u308b<a href=\"https:\/\/jimco.com\/en\/portfolio\/tabby\/\">Tabby<\/a>\uff08\u30bf\u30d3\u30fc\uff09\u306f\u3001UAE\u304a\u3088\u3073\u30b5\u30a6\u30b8\u30a2\u30e9\u30d3\u30a2\u5168\u57df\u306e\u9867\u5ba2\u306e\u624b\u6570\u6599\u7121\u6599\u3067\u306e\u5206\u5272\u652f\u6255\u3044\u3084\u4e00\u62ec\u4ee3\u91d1\u5f8c\u6255\u3044\u3067\u306e\u8cfc\u5165\u4ee3\u91d1\u652f\u6255\u3044\u3092\u53ef\u80fd\u306b\u3057\u307e\u3057\u305f\u3002<\/li>\n<li>\u30c8\u30eb\u30b3\u306e\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u3001<a href=\"https:\/\/jimco.com\/en\/portfolio\/figopara\/\">Figopara<\/a>\uff08\u30d5\u30a3\u30b4\u30d1\u30e9\uff09\u306f\u3001\u30b5\u30d7\u30e9\u30a4\u30e4\u30fc\u306b\u5bfe\u3059\u308b\u652f\u6255\u671f\u9593\u3092\u5ef6\u9577\u3059\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u306b\u3088\u308a\u9577\u671f\u7684\u306a\u904b\u8ee2\u8cc7\u91d1\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/li>\n<li>\u30e2\u30d0\u30a4\u30eb\u30d5\u30a1\u30fc\u30b9\u30c8\u306e\u682a\u5f0f\u53d6\u5f15\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0<a href=\"http:\/\/jimco.com\/en\/portfolio\/thndr\/\">Thndr<\/a>\uff08\u30b9\u30f3\u30c0\u30fc\uff09\u306f\u3001\u500b\u4eba\u304c\u624b\u6570\u6599\u7121\u6599\u3067\u30a8\u30b8\u30d7\u30c8\u8a3c\u5238\u53d6\u5f15\u6240\u306e\u682a\u5f0f\u3001\u50b5\u5238\u3001\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3067\u304d\u308b\u3088\u3046\u8a2d\u8a08\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/li>\n<li><a href=\"https:\/\/jimco.com\/en\/portfolio\/rain-financial-inc\/\">Rain<\/a>\uff08\u30ec\u30a4\u30f3\uff09\u306f\u3001\u4e2d\u6771\u306e\u6295\u8cc7\u5bb6\u306e\u6697\u53f7\u901a\u8ca8\u5e02\u5834\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u5bb9\u6613\u306b\u3057\u3066\u3044\u307e\u3059\u3002<\/li>\n<li>\u30ea\u30e4\u30c9\u306b\u62e0\u70b9\u3092\u7f6e\u304f<a href=\"https:\/\/jimco.com\/en\/portfolio\/lean-technologies\/\">Lean Technologies<\/a>\uff08\u30ea\u30fc\u30f3\u30fb\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30ba\uff09\u306f\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u6a5f\u95a2\u3068\u9867\u5ba2\u306e\u9280\u884c\u53e3\u5ea7\u3092\u5b89\u5168\u306b\u63a5\u7d9a\u3059\u308b\u305f\u3081\u306e\u958b\u767a\u8005\u306b\u512a\u3057\u3044\u30bd\u30d5\u30c8\u30a6\u30a7\u30a2\u3092\u4f5c\u6210\u3059\u308bB2B\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u3059\u3002<\/li>\n<\/ul>\n<p>\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u306f\u4eca\u5f8c\u3082\u9032\u5316\u3092\u7d9a\u3051\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u3092\u5927\u8846\u5316\u3057\u3001\u5c11\u306a\u304f\u3068\u3082\u4e16\u754c\u3067\u9280\u884c\u53e3\u5ea7\u3092\u6301\u305f\u306a\u3044\u30de\u30a4\u30ce\u30ea\u30c6\u30a3\u304c\u62b1\u3048\u3066\u3044\u308b\u3044\u304f\u3089\u304b\u306e\u60a9\u307f\u3092\u89e3\u6c7a\u3059\u308b\u3067\u3057\u3087\u3046\u3002\u672a\u6765\u306f\u3069\u3046\u306a\u3063\u3066\u3044\u304f\u306e\u304b\u3001\u305d\u3057\u3066\u653f\u5e9c\u3001NGO\u3001\u4f01\u696d\u306f\u672a\u6765\u306b\u5099\u3048\u3066\u4f55\u3092\u3059\u308b\u3079\u304d\u306a\u306e\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n<h2>\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u3068\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\u304c\u3088\u308a\u516c\u5e73\u306a\u672a\u6765\u3092\u5c0e\u304f<\/h2>\n<p>\u30c7\u30fc\u30bf\u306b\u3088\u308c\u3070\u3001\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u79c1\u305f\u3061\u3092\u3088\u308a\u516c\u5e73\u3067\u30a4\u30f3\u30af\u30eb\u30fc\u30b7\u30d6\u306a\u91d1\u878d\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306b\u5411\u304b\u308f\u305b\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002\u7d4c\u6e08\u3092\u30c7\u30b8\u30bf\u30eb\u5316\u3059\u308b\u56fd\u5bb6\u304c\u5897\u3048\u308b\u307b\u3069\u3001\u305d\u3057\u3066\u500b\u4eba\u91d1\u878d\u3092\u30aa\u30f3\u30e9\u30a4\u30f3\u306b\u79fb\u884c\u3059\u308b\u5e02\u6c11\u304c\u5897\u3048\u308b\u307b\u3069\u3001\u65b0\u305f\u306b\u8cb4\u91cd\u306a\u30a4\u30f3\u30b5\u30a4\u30c8\u304c\u5f97\u3089\u308c\u3001\u8cc7\u91d1\u8abf\u9054\u306e\u6a5f\u4f1a\u306f\u958b\u304b\u308c\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>\u300c\u30d3\u30c3\u30b0\u30c6\u30c3\u30af\u300d\u306f\u3053\u308c\u307e\u3067\u4ee5\u4e0a\u306b\u8907\u6570\u306e\u30c7\u30fc\u30bf\u30dd\u30a4\u30f3\u30c8\u3001\u3059\u306a\u308f\u3061\u516c\u5171\u6599\u91d1\u652f\u6255\u3044\u3001\u5bb6\u8cc3\u306e\u9818\u53ce\u66f8\u3001\u81e8\u6642\u53ce\u5165\u306a\u3069\u3092\u6d3b\u7528\u3057\u3001\u878d\u8cc7\u7533\u8acb\u3092\u8a55\u4fa1\u3059\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002\u304b\u3064\u3066\u306a\u304f\u591a\u5c64\u5316\u3055\u308c\u305f\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30ec\u30a4\u30e4\u30fc\u3092\u6301\u3064\u30c7\u30fc\u30bf\u30c1\u30e3\u30cd\u30eb\u306f\u3001\u653f\u5e9c\u3084\u4f01\u696d\u3001\u9280\u884c\u304c\u30aa\u30fc\u30d7\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u306e\u8c4a\u304b\u306a\u6587\u5316\u3092\u69cb\u7bc9\u3059\u308b\u3053\u3068\u3092\u53ef\u80fd\u306b\u3057\u307e\u3059\u3002\u6a5f\u5bc6\u6027\u306e\u9ad8\u3044\u91d1\u878d\u60c5\u5831\u306e\u5b89\u5168\u306a\u3084\u308a\u3068\u308a\u304c\u3001\u500b\u4eba\u4e8b\u696d\u4e3b\u3092SME\u306b\u3001SME\u3092\u3088\u308a\u898f\u6a21\u306e\u5927\u304d\u3044\u4f01\u696d\u306b\u3001\u305d\u3057\u3066\u3044\u3064\u304b\u591a\u56fd\u7c4d\u4f01\u696d\u306b\u6210\u9577\u3057\u3066\u3044\u304f\u3053\u3068\u3092\u652f\u63f4\u3057\u307e\u3059\u3002<\/p>\n<p>\u5148\u3092\u898b\u636e\u3048\u308c\u3070\u3001\u5b98\u6c11\u30bb\u30af\u30bf\u30fc\u306f\u5354\u529b\u3057\u3066\u30c7\u30b8\u30bf\u30eb\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0\u306e\u512a\u5148\u9805\u76ee\u3001\u3059\u306a\u308f\u3061 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id=\"attachment_102304\" style=\"width: 242px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-102304\" class=\"size-medium wp-image-102304\" src=\"https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-232x300.jpg\" alt=\"Jaroslav Gaisler\" width=\"232\" height=\"300\" \/><p id=\"caption-attachment-102304\" class=\"wp-caption-text\">\u30e4\u30ed\u30b9\u30e9\u30d5\u30fb\u30ac\u30a4\u30b9\u30e9\u30fc<br \/>\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u30fb\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u62c5\u5f53CEO<br \/>Abdul Latif Jameel<\/p><\/div>\n<p>\u300c\u305d\u306e\u6069\u6075\u306f\u3001\u6df1\u304f\u63fa\u308b\u304e\u306a\u3044\u3082\u306e\u3068\u306a\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u300d\u3068\u3001Abdul Latif Jameel\u306e\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u30fb\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u62c5\u5f53CEO\u3067\u3042\u308b<a 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href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n","protected":false},"featured_media":31300,"menu_order":0,"template":"","class_list":["post-31325","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\uff08\u91d1\u878d\u5305\u6442\uff09\u3092\u5f37\u5316\u3059\u308b\u304b - 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\" 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href=\"https:\/\/www.bcg.com\/publications\/2024\/to-expand-financial-inclusion-embrace-innovation\">https:\/\/www.bcg.com\/publications\/2024\/to-expand-financial-inclusion-embrace-innovation<\/a>\n\n<a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a>\n\n<a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/sdgs.un.org\/goals\">https:\/\/sdgs.un.org\/goals<\/a>\n\n<a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a>\n\n<a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a>\n\n<a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf\">https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf<\/a>\n\n<a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/publication\/globalfindex\">https:\/\/www.worldbank.org\/en\/publication\/globalfindex<\/a>\n\n<a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.gsma.com\/newsroom\/press-release\/smartphone-owners-are-now-the-global-majority-new-gsma-report-reveals\/\">https:\/\/www.gsma.com\/newsroom\/press-release\/smartphone-owners-are-now-the-global-majority-new-gsma-report-reveals<sup>\/<\/sup><\/a>\n\n<a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/\n\n<a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/\">https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/<\/a>\n\n<a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/\">https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/<\/a>\n\n<a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf\">https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf<\/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":["124456"],"_short_title":["field_60925d67125ef"],"short_title":["\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306f\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a4\u30f3\u30af\u30eb\u30fc\u30b8\u30e7\u30f3\uff08\u91d1\u878d\u5305\u6442\uff09\u3092\u5f37\u5316\u3059\u308b\u304b"],"_summary":["field_6019304103a20"],"summary":["<p>\u91d1\u878d\u7684\u306b\u6392\u9664\u3055\u308c\u305f\u72b6\u6cc1\u306f\u3001\u4e16\u754c\u306e\u6700\u8ca7\u5c64\u306e\u4eba\u3005\u306b\u9650\u3089\u308c\u305f\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u72b6\u6cc1\u306f\u5e83\u304f\u6d78\u900f\u3057\u3001\u898b\u904e\u3054\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u8131\u3059\u308b\u3053\u3068\u304c\u56f0\u96e3\u306a\u3053\u3068\u3067\u77e5\u3089\u308c\u308b\u7f60\u3067\u3082\u3042\u308a\u307e\u3059\u3002<\/p>"],"_mobile_featured_image":["field_66f6b4bee65f3"],"amazonS3_cache":["a:36:{s:77:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-jh-logo.png\";a:2:{s:2:\"id\";i:20225;s:11:\"source_type\";s:13:\"media-library\";}s:79:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-jh-logo.png\";a:2:{s:2:\"id\";i:20225;s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-14.png\";a:2:{s:2:\"id\";i:20233;s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-14-1024x1007.png\";a:2:{s:2:\"id\";i:20233;s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-14.png\";a:2:{s:2:\"id\";i:20233;s:11:\"source_type\";s:13:\"media-library\";}s:88:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-14-1024x1007.png\";a:2:{s:2:\"id\";i:20233;s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-16.png\";a:2:{s:2:\"id\";i:20249;s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-16-1024x1007.png\";a:2:{s:2:\"id\";i:20249;s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-16.png\";a:2:{s:2:\"id\";i:20249;s:11:\"source_type\";s:13:\"media-library\";}s:88:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-16-1024x1007.png\";a:2:{s:2:\"id\";i:20249;s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-18.png\";a:2:{s:2:\"id\";i:20257;s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-18-1024x1007.png\";a:2:{s:2:\"id\";i:20257;s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-18.png\";a:2:{s:2:\"id\";i:20257;s:11:\"source_type\";s:13:\"media-library\";}s:88:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-18-1024x1007.png\";a:2:{s:2:\"id\";i:20257;s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-19.png\";a:2:{s:2:\"id\";i:20272;s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-19-1024x1007.png\";a:2:{s:2:\"id\";i:20272;s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-19.png\";a:2:{s:2:\"id\";i:20272;s:11:\"source_type\";s:13:\"media-library\";}s:88:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-19-1024x1007.png\";a:2:{s:2:\"id\";i:20272;s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-20.png\";a:2:{s:2:\"id\";i:20280;s:11:\"source_type\";s:13:\"media-library\";}s:86:\"\/\/cms.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-20-1024x1007.png\";a:2:{s:2:\"id\";i:20280;s:11:\"source_type\";s:13:\"media-library\";}s:78:\"\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2024\/09\/wp-block-img-20.png\";a:2:{s:2:\"id\";i:20280;s:1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