Nakayama: Our current core business is online and offline payment. In the Corporate Planning and New Area Creation Office, as technologies such as AI, IoT, and FinTech are evolving, we are constantly asking "What is payment, We are creating the pillars of our business in 3 and 5 years. We are sowing seeds for the future through the creation of innovative services related to payment

Nakayama: All three works are interesting. Above all, the story of "Future Zoo" made me feel that I was touching the core of "what is the payment
At Mirai Zoo, the Watanabe family of visitors never spend money from their wallets, and payment are made through the wallet tied to the app. Also, on-demand billing means that we pay for the amount of services we receive.
The act of withdrawing money from your wallet takes time each time, hinders the user experience (UX), and is actually quite stressful. This also applies to the store that receives the money. Under such circumstances, it is one of the ideal forms payment, that is, to make payment
In addition, although the entrance fee to the zoo is fixed now, some people enjoy a full day after entering the zoo, while others return in a short time. It's possible that a panda came to the park for the purpose, but it was so crowded that it couldn't be seen enough. If the amount of service received and the degree of satisfaction differ depending on the visitor, the price to be paid may change depending on the amount of service and the degree of satisfaction. payment system that can "seek appropriate compensation for the value provided to customers" like the Future Zoo has the potential for the future.

Nakayama: The automobile industry is a large industry, and I felt that if this were to be realized, it would have a considerable impact on society. Already in Germany, a completely new way of using a car that combines blockchain with cutting-edge communication technology and electric power technology has been proposed, and demonstration experiments are being carried out by the public and private sectors. Similar to the story depicted here, we are payment, but also to buy and sell electricity between individuals using EV as a hub, and to build an payment
When this story is realized, it will be possible not only to buy and sell electricity with major electric power companies as before, but also to share electricity generated by each person while buying and selling each other. Become. When that happens, payment become much more complicated, and we need a system that makes it possible. In a German demonstration experiment, a P2P (Peer to Peer) scheme is being tested in which individuals directly exchange data and value using blockchain technology.

Nakayama: It is believed that these will lead to "democratization of payment For example, in the past, when making international remittances, it was always financial institution, but there is a possibility that small and medium-sized enterprises and individuals can directly exchange money at extremely low fees. In addition, in payment using blockchain technology, transaction records of who paid who and who are kept, so for example, when you donate to a group or individual, the donation is properly delivered to the other party. Can be guaranteed as.
In the story of "Experience-based agricultural facility", Mr. Watanabe, the main character, sympathized with the idea of the citizen group "Agrishare" and the payment was made through the app.

Nakayama: What is depicted in the story is technically immediately feasible. However, I think there are three major hurdles before it actually spreads in society.
First, it is payment business to embody the merits and values of introducing these technologies from the user's perspective, or for the users themselves to realize the convenience and merits and manifest them as needs.
Second, it is essential to reach a social consensus on who should bear the costs of introducing and operating a payment
Third, payment technology must be 100% reliable. In order for the technologies and schemes drawn here to be widely used on a daily basis, there are still technical improvements and verification points.
We believe that it is our important role not only to improve our technological capabilities, but also to convey the appeal of new technologies and services to users and reach consensus.

Nakayama: Our unique position is that we run alongside our customers' daily businesses through payment We pride ourselves on being able to accurately understand your business dynamism at a level very close to that of management. Therefore, in addition to payment, we can provide appropriate financial advice and marketing proposals based on transaction data
transaction lending, which started in the United States, to Japan from a very early stage. In this way, we would like to keep track of changes payment transaction data, which will lead to the provision of new value.
Regardless of the field, I think that those who are going to work on new businesses are trying to create new business models that are not bound by conventional wisdom. At that time, payment part firmly, solidify the "defense", and also support the "offensive" to realize business innovation.