フィンテックとは何か / What is Fintech?

早稲田大学大学院経営管理研究科「フィンテック ─ 金融革新とインターネット」2025 夏の第1-2回で使用したスライドです。

Transcript

1. Light and Shadow — Generated by Stable Diffusion 3.5 — 2025 1-2 (WBS) — 2025 1-2 — 2025-06-09 – p.1/47
2. https://speakerdeck.com/ks91/collections/fintech-2025-summer — 2025 1-2 — 2025-06-09 – p.2/47
3. ( ) ( ) ( ) 1993 ( ) 2006 ( ) SFC 24 P2P (Peer-to-Peer) 2011 ( ) 2018 2019 VR 2022.3 2023 AI VR&RPG 2023.5 “Don’t Be So Serious” 2023 2024 AI( ) 2024 “ALOHA FROM HAWAII” 2024 AI( ) 2025 (Live and Let Think) 2025 Secret Vision Institute ( ) 2025 GWeeeeeeK !! → ( ) — 2025 1-2 — 2025-06-09 – p.3/47
4. Dropbox Dropbox ( ) ( ) — 2025 1-2 — 2025-06-09 – p.4/47
5. (FinTech) — 2025 1-2 — 2025-06-09 – p.5/47
6. (FinTech) ( ) . . . — 2025 1-2 — 2025-06-09 – p.6/47
7. ( ) 1 6 9 (1) • 2 6 9 (2) • 3 6 16 Web3 (1) 4 6 16 Web3 (2) 5 6 23 (1) 6 6 23 (2) 7 6 30 (1) 8 6 30 (2) 9 7 7 (1) 10 7 7 (2) 11 7 14 (1) 12 7 14 (2) 13 7 21 (1) 14 7 21 (2) W-IOI ( ) — 2025 1-2 — 2025-06-09 – p.7/47
8. ( 20 ) 1 ↑ 2 ↓ 2025 3 4 (TCP/IP ) 5 6 7 8 ↑ 9 ↓ 2024 ( ) 10 World Wide Web 11 Web API 12 * 13 git GitHub 14 (6/23 ) / (2 ) OK / — 2025 1-2 — 2025-06-09 – p.8/47
9. . . . . . . ( ) ( 20 ×14 ) — 2025 1-2 — 2025-06-09 – p.9/47
10. (2 )(160 ) (10∼20 ) and/or (60∼80 ) ( ) ( ) (60∼80 ) — 2025 1-2 — 2025-06-09 – p.10/47
11. Moodle ( Q&A ) ( ) Discord ( ) ← ( ) — 2025 1-2 — 2025-06-09 – p.11/47
12. ( ) — 2025 1-2 — 2025-06-09 – p.12/47
13. (1) : , (2014) (10) : , (2015) , (2016) | , R&D (2017) ( . . . ) , R&D (2017) FinTech , KADOKAWA (2018) — 2025 1-2 — 2025-06-09 – p.13/47
14. Financial Technology ( + ) ( ) — 2025 1-2 — 2025-06-09 – p.14/47
15. B. , , 1968 = ⇒ ( ) ( ) ( ) — 2025 1-2 — 2025-06-09 – p.15/47
16. : ⇒ = 30 . . . ( ) 30 ⇒ + LLM (2023 3 ) LLM = (Large Language Model) + LLM ( ; ) — 2025 1-2 — 2025-06-09 – p.16/47
17. IDEA (← ) Financial Inclusion ( ) ( ) Financial Democracy ( ) ( ) User Experience ( ) (DX ) Architecture as Law ( ) ^^; ( ) — 2025 1-2 — 2025-06-09 – p.17/47
18. / P2P ICO ( ) STO COE (Cause-Oriented Economy)( ) IoT ( ) ← — 2025 1-2 — 2025-06-09 – p.18/47
19. (cf. ) 1 : YouTube, Uber, Airbnb ( ) 2 : Visa ↔ AMEX (brand holder) (issuer) (acquirer) — 2025 1-2 — 2025-06-09 – p.19/47
20. — 2025 1-2 — 2025-06-09 – p.20/47
21. Alibaba Group ( ) LINE EC (5 ) ⇔ Alipay ( ) ( ) QR ( ) → MMF ⇔ PayPay, LINE Pay Zhima Credit ( ) 5 ⇔ Yahoo! ( ) — 2025 1-2 — 2025-06-09 – p.21/47
22. . . . M-Login (GPS ) (GPS ) — 2025 1-2 — 2025-06-09 – p.22/47
23. ( ) ( ) — 2025 1-2 — 2025-06-09 – p.23/47
24. 
    8#4 +VO
    8BTFEB 3FJ
    5PNPO ʜ ࠷ॳʹॻ͍͓ͯ͘ ᶃ
    ౉͢૬खͷ໊લΛ௥ه ɹɹ ެ։ݤμΠδΣετͷ୅ΘΓ ᶄ
    ཪʹΫϦοϓͰࣗ෼ͷ໊ࢗΛ௥Ճ ɹɹ σδλϧॺ໊ͷ୅ΘΓ 10 WBS WBS : World’s Best Security 1) 2) — 2025 1-2 — 2025-06-09 – p.24/47
25. ⇒ — 2025 1-2 — 2025-06-09 – p.25/47
26. : ( ) ( ) — 2025 1-2 — 2025-06-09 – p.26/47
27. — 2025 1-2 — 2025-06-09 – p.27/47
28. ( 3000 ) ( ) ( ) ( ) ( ) (19 ) AMEX ( ) Western Union ( ) (20 ∼21 ) ICT — 2025 1-2 — 2025-06-09 – p.28/47
29. . . . ࠃʹΑΔ ҆શอো ՟ฎ ࢢ৔ ෼ۀࣾձ ઐ໳ੑͷ ෼Խ ࢧ ࣋ ࢧ ࣋ ࢧ࣋ %9 ۚ༥ ൃߦ ೲ੫ ࣗಈԽɾޮ཰ԽɾຽओԽ ࣗಈԽɾ ޮ཰Խɾ ຽओԽ ࣗಈԽɾ ޮ཰Խɾ ຽओԽ ઐ໳ະ෼Խ΁ʂ — 2025 1-2 — 2025-06-09 – p.29/47
30. (tetrad) = ( ) 4 : ? : ? : ? : ? — — 2025 1-2 — 2025-06-09 – p.30/47
31. (4 ) ← ↑ — 2025 1-2 — 2025-06-09 – p.31/47
32. Honda UNI-CUB ( ) — 2025 1-2 — 2025-06-09 – p.32/47
33. (4 ) — 2025 1-2 — 2025-06-09 – p.33/47
34. (4 ) ( ) — 2025 1-2 — 2025-06-09 – p.34/47
35. SAY NO TO BULLSHIT JOBS David Graeber, “Bullshit Jobs: A Theory” (2018) Bullshit Jobs ( ) Shit Jobs ( ) . . . — 2025 1-2 — 2025-06-09 – p.35/47
36. Alexa, ত࿨࣌୅
    
     ੈلޙ൒ ࣾձγεςϜ ࣾձ؀ڥ ػց ٕज़ ਓؒ ࣗಈγεςϜ ྩ࿨࣌୅
    
     ੈلલ൒ ిؾ͚ͭͯ ͸͍ ͸͍ ిؾ͚ͭͯ ͜ͷ৚݅ͷͱ͖ ٕज़Ͱ͋Γࣾձ؀ڥ
    ˠ
    ࣗવ؀ڥ ਓ ⇒ ( ) ⇒ — 2025 1-2 — 2025-06-09 – p.36/47
37. ChatGPT 3 ChatGPT — 2025 1-2 — 2025-06-09 – p.37/47
38. ChatGPT GPT ChatGPT GPT OpenAI (GPT-3.5, GPT-4, o1, o3) GPT Generative Pre-trained Transformer ( ) GPT ( ) OpenAI — 2025 1-2 — 2025-06-09 – p.38/47
39. GPT ( ) GPT Alec Radford, Karthik Narasimhan, Tim Salimans, and Ilya Sutskever. 2018. “Improving Language Understanding by Generative Pre-Training”. Available at: https://cdn.openai.com/research-covers/language-unsupervised/language_understanding_paper.pdf. GPT-2 Alec Radford, Jeff Wu, Rewon Child, David Luan, Dario Amodei, and Ilya Sutskever. 2019. “Language Models are Unsupervised Multitask Learners”. Available at: https://paperswithcode.com/paper/language-models-are-unsupervised-multitask. GPT-3 Tom B. Brown, Benjamin Mann, Nick Ryder, Melanie Subbiah, Jared Kaplan, Prafulla Dhariwal, Arvind Neelakantan, Pranav Shyam, Girish Sastry, Amanda Askell, Sandhini Agarwal, Ariel Herbert-Voss, Gretchen Krueger, Tom Henighan, Rewon Child, Aditya Ramesh, Daniel M. Ziegler, Jeffrey Wu, Clemens Winter, Christopher Hesse, Mark Chen, Eric Sigler, Mateusz Litwin, Scott Gray, Benjamin Chess, Jack Clark, Christopher Berner, Sam McCandlish, Alec Radford, Ilya Sutskever, and Dario Amodei. 2020. “Language Models are Few-Shot Learners”. Available at: https://doi.org/10.48550/arXiv.2005.14165. GPT-4 OpenAI. 2023. “GPT-4 Technical Report”. Available at: https://doi.org/10.48550/arXiv.2303.08774. — 2025 1-2 — 2025-06-09 – p.39/47
40. ( = ) ( ) — 2025 1-2 — 2025-06-09 – p.40/47
41. GPT ( ) GPT Alec Radford, Karthik Narasimhan, Tim Salimans, and Ilya Sutskever. 2018. “Improving Language Understanding by Generative Pre-Training”. Available at: https://cdn.openai.com/research-covers/language-unsupervised/language_understanding_paper.pdf. GPT-2 Alec Radford, Jeff Wu, Rewon Child, David Luan, Dario Amodei, and Ilya Sutskever. 2019. “Language Models are Unsupervised Multitask Learners”. Available at: https://paperswithcode.com/paper/language-models-are-unsupervised-multitask. GPT-3 Tom B. Brown, Benjamin Mann, Nick Ryder, Melanie Subbiah, Jared Kaplan, Prafulla Dhariwal, Arvind Neelakantan, Pranav Shyam, Girish Sastry, Amanda Askell, Sandhini Agarwal, Ariel Herbert-Voss, Gretchen Krueger, Tom Henighan, Rewon Child, Aditya Ramesh, Daniel M. Ziegler, Jeffrey Wu, Clemens Winter, Christopher Hesse, Mark Chen, Eric Sigler, Mateusz Litwin, Scott Gray, Benjamin Chess, Jack Clark, Christopher Berner, Sam McCandlish, Alec Radford, Ilya Sutskever, and Dario Amodei. 2020. “Language Models are Few-Shot Learners”. Available at: https://doi.org/10.48550/arXiv.2005.14165. GPT-4 OpenAI. 2023. “GPT-4 Technical Report”. Available at: https://doi.org/10.48550/arXiv.2303.08774. — 2025 1-2 — 2025-06-09 – p.41/47
42. Generative Pre-Training, Language Models (GPT, GPT-2, GPT-3) : : Improving Language Understanding (GPT) ( ) ( ) Unsupervised Multitask Learners (GPT-2) Few-Shot Learners (GPT-3) → GPT — 2025 1-2 — 2025-06-09 – p.42/47
43. ( ) ( ← ChatGPT ) ( ) . . . . . . BibTEX ( ) HTML (abstract) PAT ( ) ← ( AI ) — 2025 1-2 — 2025-06-09 – p.43/47
44. ChatGPT 3 ⇒ (3 ) : GPT 3 1. (GPT ) 2. ( ) 3. ( ) ↑ ( ) — 2025 1-2 — 2025-06-09 – p.44/47
45. — 2025 1-2 — 2025-06-09 – p.45/47
46. 1. (1) (2) (plain text) ( ×) 2025 6 12 ( ) 23:59 JST ( ) Waseda Moodle — 2025 1-2 — 2025-06-09 – p.46/47
47. — 2025 1-2 — 2025-06-09 – p.47/47