Fintech Card Programs: Partners, Threats, and Drivers of Innovation (JP)

イノベーションを駆使したフィンテック・カード発行プログラム 小売業や他の金融サービスと同様、カード発行サービスもディスラプションの真っただ中にある。  

March 16, 2023 – フィンテック・スタートアップ企業が提供するカード発行サービスは、最先端機能が組み込まれた独創的なサービスが多い。これらのサービスは、伝統的なカード発行企業/金融機関が活用しているプラットフォーム上ではなく、BaaS/CaaSを活用して俊敏なサービスの提供と将来の機能拡張を可能にしている。これまでレガシー金融機関は、取引を他社に切り替えるのが面倒という現実から利益を得ていた面もある。しかし、様々な新機能のメリットが重なると、消費者が乗り換える事態も視野に入れる必要があるだろう。


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本稿では、ABLEnow, Abra, ACI Worldwide, Adyan, Affirm Debit+, AFNO, Akoya, Alpine, Alviere, Apto Payments, Arise Money, Aspiration, Atome, Aven, Bankable, BitPay, Blanch, Blue Ridge Bank, Bond, BPC, Brim Financial, Buff, BusyKid, Capital One, Carbon Zero, Cascade Financial Technology Corp., Cash App, Celcius, Celtic Bank, Centurion Invest, Cheese, Chime, Choice Financial Group, Coastal Community Bank, Column, Community Federal Savings Bank, Comun, Copper, Corserv, Credit Sesame, Cross River Bank, Curve, Cuscal, DC Bank, Deserve, Enfuce, Enzo, Episode 6, Evolve Bank & Trust, Finicity, FinMV, FIS, Fiserv, Flutterwave, FNBO, Fold, Fortú, FSS, Galileo, Gerald, GoDo, GoHenry, Greenlight, Greenwood, Grind24, Grit, Guava, Hatch Bank, Highnote, Hightop, HPS, H-Way, Hydrogen, Hyperface, i2c, InstantPay, Intercash, Intergiro, Interswitch, Jack Henry & Associates, JPay, Juice, Karat, Kikoff, Kinesis, Krowdfit, Lightning, Litecoin, LVL, M1, Mana, Manigo, Marqeta, Mastercard, Mazoola, Metropolitan Bank, Moon, Moov, Moves, MVB Bank, NBKC Bank, New York Community Bank, Nexo, Nium, NovoPayment, Nymbus, NymCard, Onyx, OpenWay, Optherium, Optimus, Paceline, Pana, Pathward, PayPal, PayPugs, Petal, Piermont Bank, Pismo, Plaid, PODERcard, Possible, Power (acquired by Marqeta), Primax, Purewrist, Purple, Q2, Qolo, Quontic, QuyanaCARD, Railsr, Ramsden, Rapyd, Razer, Salt Lending, Seneca Women, Sequin, Simplifi, Solaris, Solid, Spiral, Stash, Status, Step, Stoovo, StoreCash, Stride Bank, Stripe, Sunbit, Sutton Bank, Switch, Synapse, Tallied, TietoEVRY, Till, Tomo, Transcard, Treasury Prime, Treecard, Tribe, TSYS, Tymit, Unbanked, Unbanked, Une Femme, Unit, Unlimint, Venmo, Visa, Wahed, Wallester, Walletmor, WalrusTeens, Weavr, Wingocard, Wise, Worldline, WSFS Bank, Zeta, Zilch, Zolve, X1 に言及しています。

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