ãã£ãã·ã¥ã¬ã¹æ±ºæžã段ã ãšæ®åããŠããæ¥æ¬ããã£ãã·ã¥ã¬ã¹æ±ºæžãããŠãã人ã®ãªãã§ãåæããšåŸæããã©ã¡ãã®æ±ºæžãå€ãå©çšããŠããã ããããå®ã¯ã欧米ã®è¥ãäžä»£ã§ã¯ãåŸæã決æžïŒBNPLïŒã®äººæ°ãæ¥å¢ããŠããããã ãããããBNPLã¯ãéã䜿ããããŠããŸããšããæžå¿µãããããæãããŠäººæ°ã®çç±ã¯äœãªã®ã ãããã
ä»åã¯éèé¢ä¿ã®æ å ±ã¡ãã£ã¢ã§ããããžãã¹+ITãã欧米ã®è¥è ã«BNPLã人æ°ã®çç±ã«ã€ããŠèšäºã«ããå 容ã玹ä»ãããã
ææ°æãªããå©æ¯ãªããè¥è ã«äººæ°ã®çç±ã¯ããŸããŸïŒ
![](https://otona-life.com/wp/wp-content/uploads/2021/09/pho003-51.jpg)
ã¯ã¬ã«ã®ãããªå¯©æ»ãªããææ°æãªããå©æ¯ãªãã®BNPLïŒåŸæã決æžïŒããã±æãã¿ãããªãã®ãªã®ãïŒ
ãBNPLã欧米ã§è¥å¹Žå±€ã®äººæ°ãç²åŸããŠããçç±ã¯ããã¯ã¬ãžããã«ãŒãã®ãããªå³ãã審æ»ãªãã§å©çšã§ããããšããç¹ã«ããããã ãããã«ãŠãŒã¶ãŒåŽã«ãµãŒãã¹ã®å©çšææ°æã®è² æ ããªãããšã«å ããAIã«ããäžä¿¡å€æã®ç²ŸåºŠåäžãªã©ãããåºåŽãšããŠã決æžãµãŒãã¹ãå®å¿ããŠå°å ¥ã§ããŠããããã ãããã«æ¬§ç±³ã§ã¯ãBNPLãæäŸãããã£ã³ããã¯ãã©ãããã©ãŒã ãç¶ã ãšç»å ŽããŠãããè¥å¹Žå±€ãŠãŒã¶ãŒã®å€ãSNSã§ã®åºå宣äŒã«ãã£ãŠè¥ãäžä»£ã®éã§BNPLãŠãŒã¶ãŒãå¢ããŠãããšã®ããšã
ã欧米ã®ãªãã§ããçµæžå€§åœã»ã¢ã¡ãªã«ã§äººæ°ã®BNPLãã©ãããã©ãŒã ã¯ãAfterpayããããšããšãªãŒã¹ãã©ãªã¢ã§ã¯ããŸã£ããµãŒãã¹ã ããã¢ã¡ãªã«ãäžå¿ã«äžççã«ãŠãŒã¶ãŒãå¢ãããŠããããã ãAfterpayã§ã¯ãåºæ¬çã«ã¯4åã«æ¯æããåå²ããããšãã§ãã2é±éããšã«åé¡ãåå²ã§æ¯æããå©æ¯ã¯èšå®ãããŠããªããã®ã®ãæ¯æããæ»çŽãããšé 延æãçºçãããå®ã¯ããªã³ã©ã€ã³æ±ºæžãææãã倧æäŒæ¥ã®SquareããAfterpayã®è²·åã«ãããŠèª¿æŽæ®µéã«ããããšãçºè¡šããŠãããã¢ã¡ãªã«ã§ã¯BNPLãµãŒãã¹ãããã«æ®åãããšããäºæž¬ãããããã ã
æ¥æ¬ã«ãããŠãBNPLãæ®åããå¯èœæ§å€§ïŒïŒæ¯æ°åºæ¿ã«ãæåŸ ã
![](https://otona-life.com/wp/wp-content/uploads/2021/09/photo002-232.jpg)
BNPLã«æŒãããã¯ã¬ãžããã«ãŒãäŒç€Ÿãäœããã®å¯Ÿæçãæã€ã®ã ããã
ã欧米ã§äººæ°ã®BNPLãæ¥æ¬ã«ãæ³¢åããŠããããã ã9æ8æ¥ã«PayPalããBNPLãã©ãããã©ãŒã ã®ãã€ãã£ãæäŸããPaidy瀟ãã3,000ååã§è²·åããããšãçºè¡šããŠããããã€ãã£ã¯ã¡ãŒã«ã¢ãã¬ã¹ãšæºåž¯é»è©±çªå·ã®å ¥åã§ç»é²ã§ãã3åã®åå²ã«å¯Ÿå¿ããŠããããŸããåœå ã®ECã¢ãŒã«ãšææºããããã³ã³ãããéè¡ã§ã®æ¯èŸŒã§ã®æ¯æããåãä»ããããšãæ¥æ¬ã«åããããµãŒãã¹ãå±éããŠãããPayPalã®ããŒã¿ãŒã»ã±ããã³æ°ã¯è²·åã«ã€ããŠããæŠç¥çã«éèŠãªåžå Žã§ããæ¥æ¬ã§ã®ããžãã¹å±éãããã«å éãããããã«åŒ·åãªåºç€ãæ§ç¯ããããšã³ã¡ã³ãããŠããã
ããªãŒã¹ãã©ãªã¢ã§ã¯ãBNPLã®å°é ã«ãã£ãŠãæ¶è²»è ã®æ¶è²»ãã¿ãŒã³ãå€åããŠããããã ããªãŒã¹ãã©ãªã¢å°å çŽã»ABC NEWSã«ãããšãè¥ãäžä»£ã®éã§ã¯ã¯ã¬ãžããã«ãŒãããBNPLã«ã·ããããŠãããšã®ããšãè¿å¹Žå·ã蟌ãã æ¶è²»è¡åãä¿é²ããæåŸ ãå¯ããããŠããããã
ãäžæ¹ã§BNPLã¯ãåå ¥ãå°ãªã人ã ã®éå°æ¶è²»ãã©ã®ããã«æå¶ãã家èšåµåã®å¢å ãæããã®ããªã©ã®èª²é¡ãææãããŠããããšãäºå®ã2020幎ã«ã¯ã家èšåµåã®å¢å ã¯çµæžæé·ã«ãã¬ãã£ããªåœ±é¿ãäžããããšããå 容ã®è«æãçºè¡šãããŠãããšããã
ãä»åŸæ¥æ¬ã§ãBNPLãµãŒãã¹ãæ®åããŠããå Žåã«ã¯ãç§ãã¡ããã©ã¹ã®é¢ãšãã€ãã¹ã®é¢ãäž¡æ¹ããã£ããèªèããŠé©åã«å©çšããããã«ããŠãããããã®ã ã
åç §å ïŒBNPLïŒåŸæãïŒãè¥è ã«å€§äººæ°ã®ã¯ã±ãéå°æ¶è²»ãæ¯æ°åºæ¿ãïŒæŽå²ãèŠãã°ãããçããFinTech Journalã