BLOGS

少額送金インフラ「ことら」が2022年10月よりサービスを開始しますが、米国のリアルタイム送金サービス：Zelle（大手銀行の共同運営）は2017年に利用が始まり、2021年度の利用額は4900憶ドル（18億回）に達しています。その近況をまとめてみました。 ■ Zelleの概要 米国のP2P送金サービスは、Paypal傘下のVenmoが2009年よりサービスを開始、毎年倍々ゲームで利用額を伸ばしてきた。これに危機感を抱いた銀行業界は、2016年に大手銀行19行によるコンソシアム：Early Waring Serviceを結成、2017年にゼルをスタートさせた（当初の参加行は34行）。 Zelleは、銀行口座間のリアルタイム送金サービスで、各銀行のオンライン・バンキング・サイトやモバイル・アプリから送金相手の電話番号かメールアドレスを利用して送金を行う（...

If you’ve been listening to NPR or watching CNN recently, there’s a new buzzword out there that is directly relevant to the employee experience: “quiet quitting.” The term apparently originated in a TikTok video earlier this year. It refers to the practice of putting in the minimum amount of effort and time at your job in order to focus on work-life balance or other interests—or while you wait to...

Having spent a good part of my career managing fraud-prevention solutions that harness the power of collaboration, I’m a big believer in the valuable role collaboration plays in the fight against financial crime. This is one of the many reasons why I volunteer my time as a member of the advisory board of The Knoble, a nonprofit dedicated to bringing together the anti-financial-crime community to...

The financial industry is putting great value on understanding customers’ needs. Once those are clear, financial institutions (FIs) can market their services and products directly toward those needs. Understanding customers’ needs also helps FIs set a clear goal: not only to meet the needs of their customers, but to exceed them. However, needs are subjective and change rapidly. Often, by the...