{"id":3931,"date":"2025-06-09T01:52:00","date_gmt":"2025-06-08T16:52:00","guid":{"rendered":"https:\/\/j-seeds.jp\/column\/?p=3931"},"modified":"2025-05-07T16:00:32","modified_gmt":"2025-05-07T07:00:32","slug":"post-na250609","status":"publish","type":"post","link":"https:\/\/j-seeds.jp\/column\/post-na250609\/","title":{"rendered":"\u3010\u30a2\u30e1\u30ea\u30ab\u4eba\u306e\u751f\u6d3b\u3011\u30a2\u30e1\u30ea\u30ab\u3067\u98df\u6599\u54c1\u3092BNPL\uff08\u4ee3\u91d1\u5f8c\u6255\u3044\uff09\u3067\u8cb7\u3046\u4eba\u304c\u5897\u52a0\u304b\uff1f"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

\u30a2\u30e1\u30ea\u30ab\u3067\u65e5\u5e38\u306e\u98df\u6599\u54c1\u3092BNPL\uff08Buy Now, Pay Later, \u4ee3\u91d1\u5f8c\u6255\u3044\uff09\u3067\u8cb7\u3046\u4eba\u304c\u5897\u52a0\u3057\u3066\u3044\u307e\u3059\u3002\u30d0\u30a4\u30c7\u30f3\u524d\u653f\u6a29\u6642\u4ee3\u304b\u3089\u7d9a\u304f\u6301\u7d9a\u7684\u306a\u30a4\u30f3\u30d5\u30ec\u30fc\u30b7\u30e7\u30f3\u306b\u52a0\u3048\u3001\u30c8\u30e9\u30f3\u30d7\u95a2\u7a0e\u306e\u767a\u52d5\u306b\u3088\u308b\u751f\u6d3b\u5fc5\u9700\u54c1\u306e\u5024\u4e0a\u304c\u308a\u304c\u4e00\u822c\u7684\u306a\u30a2\u30e1\u30ea\u30ab\u5e02\u6c11\u306e\u751f\u6d3b\u3092\u76f4\u6483\u3001\u5c11\u306a\u304b\u3089\u306c\u6570\u306e\u4eba\u3092\u751f\u6d3b\u9632\u885b\u306b\u8d70\u3089\u305b\u3066\u3044\u307e\u3059\u3002\u672c\u8a18\u4e8b\u306f\u3001\u7269\u4fa1\u4e0a\u6607\u304c\u7d9a\u304f\u30a2\u30e1\u30ea\u30ab\u3067\u5e83\u304c\u308b\u98df\u6599\u54c1\u3092BNPL\u3067\u8cb7\u3046\u30c8\u30ec\u30f3\u30c9\u306e\u5e83\u304c\u308a\u306b\u3064\u3044\u3066\u304a\u4f1d\u3048\u3057\u307e\u3059\u3002<\/p>\n\n\n\n

\u8abf\u67fb\u5bfe\u8c61\u8005\u306e\u56db\u4eba\u306b\u4e00\u4eba\u304c\u98df\u6599\u54c1\u3092BNPL\u3067\u8cfc\u5165<\/h2>\n\n\n\n

\u30a2\u30e1\u30ea\u30ab\u306e\u30ed\u30fc\u30f3\u6bd4\u8f03\u30b5\u30a4\u30c8\u306e\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u30fb\u30c4\u30ea\u30fc\uff08Lending Tree\uff09\u304c\u4eca\u5e742025\u5e744\u6708\u306b\u5b9f\u65bd\u3057\u305f\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u8abf\u67fb\u5bfe\u8c61\u3068\u306a\u3063\u305f18\u6b73\u304b\u308979\u6b73\u307e\u3067\u306e\u30a2\u30e1\u30ea\u30ab\u5e02\u6c112000\u4eba\u306e\u3046\u3061\u3001\u56db\u4eba\u306b\u4e00\u4eba\u304c\u6052\u5e38\u7684\u306b\u98df\u6599\u54c1\u3092BNPL\u3067\u8cfc\u5165\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3057\u305f\u3002\u524d\u5e742024\u5e74\u5ea6\u8abf\u67fb\u7d50\u679c\u3067\u306f14%\u3067\u3057\u305f\u304c\u3001\u4e00\u5e74\u306711\u30dd\u30a4\u30f3\u30c8\u3082\u60aa\u5316\u3057\u3066\u304a\u308a\u3001\u76f4\u8fd1\u306e\u30a2\u30e1\u30ea\u30ab\u4eba\u306e\u66ae\u3089\u3057\u304c\u5982\u5b9f\u306b\u56f0\u7aae\u3057\u3064\u3064\u3042\u308b\u3053\u3068\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u540c\u8abf\u67fb\u306f\u307e\u305f\u3001\u8abf\u67fb\u5bfe\u8c61\u8005\u306e41%\u304c\u6628\u5e74\u4e00\u5e74\u9593\u306b\u4e00\u56de\u4ee5\u4e0a\u98df\u6599\u54c1\u3092BNPL\u3067\u8cfc\u5165\u3057\u305f\u3068\u56de\u7b54\u3057\u305f\u3068\u3057\u3066\u304a\u308a\u3001\u98df\u6599\u54c1\u3092BNPL\u3067\u8cfc\u5165\u3059\u308b\u3053\u3068\u304c\u300c\u7570\u5e38\u3067\u306f\u306a\u3044\u300d\u72b6\u614b\u3078\u3068\u30b7\u30d5\u30c8\u3057\u3064\u3064\u3042\u308b\u3053\u3068\u3082\u793a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u30ec\u30f3\u30c7\u30a3\u30f3\u30b0\u30fb\u30c4\u30ea\u30fc\u306e\u30a2\u30ca\u30ea\u30b9\u30c8\u3001\u30de\u30c3\u30c8\u30fb\u30b7\u30e5\u30eb\u30c4\u6c0f\u306f\u3001\u300c\u591a\u304f\u306e\u4eba\u304c\u751f\u6d3b\u306b\u56f0\u7aae\u3057\u3001\u4e88\u7b97\u306e\u3084\u308a\u304f\u308a\u306b\u56db\u82e6\u516b\u82e6\u3057\u3066\u3044\u307e\u3059\u3002\u30a4\u30f3\u30d5\u30ec\u30fc\u30b7\u30e7\u30f3\u306f\u89e3\u6d88\u305b\u305a\u3001\u91d1\u5229\u3082\u9ad8\u3044\u6c34\u6e96\u306e\u307e\u307e\u3067\u3059\u3002\u3055\u3089\u306b\u30c8\u30e9\u30f3\u30d7\u95a2\u7a0e\u3082\u767a\u52d5\u3055\u308c\u3001\u3088\u308a\u591a\u304f\u306e\u4eba\u306e\u751f\u6d3b\u3092\u53b3\u3057\u3044\u3082\u306e\u306b\u3057\u3064\u3064\u3042\u308a\u307e\u3059\u3002\u98df\u6599\u54c1\u3092BNPL\u3067\u8cfc\u5165\u3059\u308b\u4eba\u306f\u3001\u3084\u3080\u3092\u5f97\u306a\u3044\u624b\u6bb5\u3068\u3057\u3066\u3044\u308b\u306e\u3067\u3059\u300d\u3068\u30b3\u30e1\u30f3\u30c8\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

BNPL\u306b\u306f\u5229\u606f\u304c\u304b\u304b\u3089\u306a\u3044\u3082\u306e\u306e<\/h2>\n\n\n\n

\u3068\u3053\u308d\u3067BNPL\u306b\u306f\u901a\u5e38\u3001\u5229\u606f\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u5229\u7528\u8005\u306e\u591a\u304f\u306f\u6570\u9031\u9593\u304b\u3089\u6570\u304b\u6708\u306e\u9593\u306b\u6570\u56de\u306e\u5206\u5272\u3067\u4ee3\u91d1\u3092\u652f\u6255\u3063\u3066\u3044\u307e\u3059\u3002\u3068\u3053\u308d\u304c\u3001BNPL\u306b\u306f\u5229\u606f\u304c\u304b\u304b\u3089\u306a\u3044\u4e00\u65b9\u3067\u3001\u672a\u6255\u3044\u306a\u3069\u306b\u5bfe\u3059\u308b\u9055\u7d04\u91d1\u304c\u767a\u751f\u3057\u307e\u3059\u3002\u9055\u7d04\u91d1\u306e\u984d\u3084\u9069\u7528\u6761\u4ef6\u306a\u3069\u306fBNPL\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306b\u3088\u3063\u3066\u9055\u3044\u307e\u3059\u304c\u3001\u4e2d\u306b\u306f\u652f\u6255\u9045\u5ef6\u3054\u3068\u306b30\u30c9\u30eb\u306e\u9055\u7d04\u91d1\u3092\u8ab2\u3057\u305f\u308a\u3059\u308b\u30b1\u30fc\u30b9\u3082\u3042\u308a\u3001\u72b6\u6cc1\u306b\u3088\u3063\u3066\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u5229\u606f\u306a\u3069\u3088\u308a\u3082\u9ad8\u984d\u306e\u9055\u7d04\u91d1\u304c\u8ab2\u3055\u308c\u305f\u308a\u3057\u307e\u3059\u3002<\/p>\n\n\n\n

\u30b7\u30e5\u30eb\u30c4\u6c0f\u306f\u3001BNPL\u306e\u5229\u7528\u8005\u306e60%\u304c\u8907\u6570\u306eBNPL\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u540c\u6642\u306b\u5229\u7528\u3057\u3066\u3044\u308b\u3053\u3068\u3092\u6307\u6458\u3057\u3064\u3064\u3001\u300cBNPL\u3092\u5229\u7528\u3059\u308b\u969b\u306b\u306f\u3001\u9055\u7d04\u91d1\u306e\u9069\u7528\u6761\u4ef6\u306a\u3069\u306b\u5341\u5206\u6ce8\u610f\u3092\u6255\u3046\u3079\u304d\u3067\u3059\u3002BNPL\u306f\u5229\u606f\u304c\u304b\u304b\u3089\u305a\u3001\u6b21\u306e\u7d66\u6599\u65e5\u307e\u3067\u306e\u3064\u306a\u304e\u3068\u3057\u3066\u4f7f\u3048\u3070\u975e\u5e38\u306b\u4fbf\u5229\u306a\u30c4\u30fc\u30eb\u306b\u306a\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u8907\u6570\u306eBNPL\u3092\u5229\u7528\u3059\u308b\u3068\u3044\u3063\u305f\u5834\u5408\u306b\u306f\u652f\u6255\u7ba1\u7406\u3092\u3057\u3063\u304b\u308a\u3068\u884c\u3044\u3001\u4e0d\u6255\u3044\u306a\u3069\u3092\u8d77\u3053\u3055\u306a\u3044\u3088\u3046\u306b\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u306b\u306a\u3063\u3066\u304d\u307e\u3059\u300d\u3068\u8aac\u660e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u30d5\u30fc\u30c9\u30c7\u30ea\u30d0\u30ea\u30fc\u3067\u3082BNPL\u306e\u5229\u7528\u304c\u5e83\u304c\u308b\uff1f<\/h2>\n\n\n\n

\u98df\u6599\u54c1\u306a\u3069\u306e\u8cfc\u5165\u306b\u52a0\u3048\u3001\u30d5\u30fc\u30c9\u30c7\u30ea\u30d0\u30ea\u30fc\u3067\u3082BNPL\u306e\u5229\u7528\u304c\u5897\u52a0\u3059\u308b\u4e88\u5146\u3092\u898b\u305b\u3066\u3044\u307e\u3059\u3002BNPL\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306eKlarna\uff08\u30af\u30e9\u30fc\u30ca\uff09\u306f\u3001\u30d5\u30fc\u30c9\u30c7\u30ea\u30d0\u30ea\u30fc\u30b5\u30fc\u30d3\u30b9\u5927\u624b\u306e\u30c9\u30a2\u30c0\u30c3\u30b7\u30e5\u3068\u63d0\u643a\u3057\u3001\u30c9\u30a2\u30c0\u30c3\u30b7\u30e5\u3067\u306e\u6ce8\u6587\u3067\u540c\u793e\u306eBNPL\u304c\u5229\u7528\u53ef\u80fd\u306b\u306a\u3063\u305f\u3068\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u30c9\u30a2\u30c0\u30c3\u30b7\u30e5\u3067\u6ce8\u6587\u3057\u3001\u6c7a\u6e08\u624b\u6bb5\u3067Klarna\u306eBNPL\u3092\u9078\u629e\u3059\u308b\u3068\u3001\u5229\u606f\u7121\u3057\u306e\u56db\u56de\u5206\u5272\u6255\u3044\u306b\u51fa\u6765\u308b\u3068\u3044\u3046\u4ed5\u7d44\u307f\u3067\u3059\u3002<\/p>\n\n\n\n

\u524d\u306b\u300c\u30a2\u30e1\u30ea\u30ab\u3067\u5229\u7528\u304c\u62e1\u304c\u308b\u300cBNPL\u300d\u3068\u306f\uff1f\u300d<\/a>\u3068\u8a00\u3046\u8a18\u4e8b\u3067\u3001\u30a2\u30e1\u30ea\u30ab\u3067BNPL\u306f\u8ca9\u58f2\u4fa1\u683c50\u30c9\u30eb\u304b\u30891000\u30c9\u30eb\u7a0b\u5ea6\u306e\u5c11\u984d\u5546\u54c1\u306e\u8cfc\u5165\u3067\u4f7f\u308f\u308c\u308b\u30b1\u30fc\u30b9\u304c\u591a\u3044\u3053\u3068\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f\u304c\u3001\u6ce8\u6587\u4fa1\u683c\u304c\u591a\u304f\u3066\u6570\u5341\u30c9\u30eb\u7a0b\u5ea6\u3068\u3044\u3063\u305f\u300c\u6975\u5c11\u984d\u300d\u306e\u30d5\u30fc\u30c9\u30c7\u30ea\u30d0\u30ea\u30fc\u3067BNPL\u304c\u5229\u7528\u53ef\u80fd\u306b\u306a\u3063\u305f\u3068\u3044\u3046\u30cb\u30e5\u30fc\u30b9\u306f\u826f\u304f\u3082\u60aa\u304f\u3082\u30a2\u30e1\u30ea\u30ab\u793e\u4f1a\u3078\u305d\u308c\u306a\u308a\u306e\u30a4\u30f3\u30d1\u30af\u30c8\u3092\u4e0e\u3048\u305f\u3088\u3046\u3067\u3001CNN\u306a\u3069\u3082\u300c\u30a2\u30e1\u30ea\u30ab\u793e\u4f1a\u306f\u3001\u3064\u3044\u306b\u30d5\u30a1\u30b9\u30c8\u30d5\u30fc\u30c9\u3082BNPL\u3067\u8cfc\u5165\u3059\u308b\u6642\u4ee3\u3092\u8fce\u3048\u305f\u3088\u3046\u3060\u300d\u3068\u3001\u3084\u3084\u843d\u80c6\u3057\u305f\u304b\u306e\u3088\u3046\u306a\u30cb\u30e5\u30a2\u30f3\u30b9\u3067\u5831\u3058\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u5229\u7528\u9650\u5ea6\u984d\u304c\u3044\u3063\u3071\u3044\u306b\uff1f<\/h2>\n\n\n\n

\u6052\u5e38\u7684\u306b\u98df\u6599\u54c1\u3092BNPL\u3067\u8cfc\u5165\u3059\u308b\u30a2\u30e1\u30ea\u30ab\u4eba\u306e\u5897\u52a0\u306f\u3001\u3053\u308c\u307e\u3067\u98df\u6599\u54c1\u3092\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u8cfc\u5165\u3057\u3066\u3044\u305f\u3082\u306e\u306e\u9650\u5ea6\u984d\u304c\u3044\u3063\u3071\u3044\u306b\u306a\u308a\u3001\u3084\u3080\u3092\u5f97\u305aBNPL\u3092\u4f7f\u308f\u3056\u308b\u3092\u5f97\u306a\u304f\u306a\u3063\u305f\u4eba\u304c\u5897\u52a0\u3057\u3066\u3044\u308b\u3053\u3068\u3082\u95a2\u4fc2\u3057\u3066\u3044\u308b\u3068\u601d\u308f\u308c\u307e\u3059\u3002<\/p>\n\n\n\n

\u30cb\u30e5\u30fc\u30e8\u30fc\u30af\u9023\u90a6\u6e96\u5099\u9280\u884c\uff08Federal Reserve Bank of New York\uff09\u304c\u307e\u3068\u3081\u305f\u3068\u3053\u308d\u306b\u3088\u308b\u3068\u30012024\u5e74\u672b\u6642\u70b9\u306e\u30a2\u30e1\u30ea\u30ab\u306e\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u50b5\u52d9\u306e\u7dcf\u6b8b\u9ad8\u306f1.21\u5146\u30c9\u30eb\uff08\u7d04171\u51468200\u5104\u5186\uff09\u3067\u3001\u53f2\u4e0a\u6700\u5927\u3092\u66f4\u65b0\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u30a2\u30e1\u30ea\u30ab\u306e\u5927\u624b\u6d88\u8cbb\u8005\u4fe1\u7528\u60c5\u5831\u4f1a\u793e\u30c8\u30e9\u30f3\u30b9\u30e6\u30cb\u30aa\u30f3\u306b\u3088\u308b\u3068\u3001\u76f4\u8fd1\u306e\u30a2\u30e1\u30ea\u30ab\u4eba\u4e00\u4eba\u3042\u305f\u308a\u306e\u5e73\u5747\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u50b5\u52d9\u6b8b\u9ad8\u306f6455\u30c9\u30eb\uff08\u7d04916\u4e07\u5186\uff09\u3067\u3001\u5e73\u5747\u5229\u738721.91%\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f\u3001\u4eee\u306b\u6b8b\u9ad8\u309287\u304b\u6708\u3067\u8fd4\u6e08\u3059\u308b\u3068\u3057\u305f\u5834\u5408\u3001\u5229\u606f\u3060\u3051\u30676477\u30c9\u30eb\uff08\u7d04919\u4e07\u5186\uff09\u3082\u652f\u6255\u3046\u8a08\u7b97\u306b\u306a\u308a\u3001\u5bb6\u8a08\u306e\u8cc7\u91d1\u7e70\u308a\u306b\u3068\u3063\u3066\u5927\u304d\u306a\u30de\u30a4\u30ca\u30b9\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

\u73fe\u5728\u306e\u30a2\u30e1\u30ea\u30ab\u306b\u304a\u3044\u3066BNPL\u306f\u3001\u904e\u5ea6\u306b\u81a8\u5f35\u3057\u305f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u50b5\u52d9\u3068\u3001\u305d\u308c\u306b\u4ed8\u968f\u3059\u308b\u9ad8\u7387\u306e\u5229\u606f\u8ca0\u62c5\u304b\u3089\u306e\u9003\u907f\u5148\u3068\u3057\u3066\u6a5f\u80fd\u3057\u59cb\u3081\u3066\u3044\u308b\u53ef\u80fd\u6027\u3082\u5927\u3067\u3059\u3002\u3042\u304f\u307e\u3067\u3082\u6d88\u8cbb\u3092\u524d\u63d0\u3068\u3057\u305f\u30a2\u30e1\u30ea\u30ab\u4eba\u306e\u751f\u6d3b\u3092\u652f\u3048\u308b\u3001\u4e8b\u5b9f\u4e0a\u306e\u30d0\u30c3\u30af\u30a2\u30c3\u30d7\u30b7\u30b9\u30c6\u30e0\u3068\u3057\u3066\u672c\u683c\u7684\u306b\u4f7f\u308f\u308c\u59cb\u3081\u3066\u3044\u308b\u3068\u898b\u308b\u306e\u304c\u6b63\u3057\u3044\u3088\u3046\u3067\u3059\u3002<\/p>\n\n\n\n

\u4e0a\u8ff0\u306e\u8a18\u4e8b\u3067\u3001BNPL\u306e\u5229\u7528\u306b\u3064\u3044\u3066\u306f\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u50b5\u52d9\u306e\u3088\u3046\u306b\u5168\u4f53\u306e\u300c\u5229\u7528\u6b8b\u9ad8\u300d\u304c\u628a\u63e1\u3067\u304d\u306a\u3044\u305f\u3081\u3001\u5229\u7528\u306e\u7dcf\u984d\u304c\u3044\u304f\u3089\u3067\u3042\u308b\u306e\u304b\u308f\u304b\u3089\u306a\u3044\u300c\u5e7d\u970a\u50b5\u52d9\u300d\uff08Ghost debts\uff09\u306e\u72b6\u614b\u306b\u306a\u3063\u3066\u3044\u308b\u65e8\u3082\u8aac\u660e\u3057\u307e\u3057\u305f\u304c\u3001\u305d\u306e\u5e7d\u970a\u50b5\u52d9\u304c\u4eca\u5f8c\u3069\u3093\u3069\u3093\u81a8\u3089\u307f\u3001\u3042\u308b\u77ac\u9593\u306b\u7834\u88c2\u3059\u308b\u3053\u3068\u306e\u7121\u3044\u3088\u3046\u7948\u308b\u3070\u304b\u308a\u3067\u3059\u3002<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n
\n
\u57f7\u7b46\u8005<\/span><\/div>
\n

\u524d\u7530 \u5065\u4e8c\uff08\u307e\u3048\u3060\u30fb\u3051\u3093\u3058\uff09<\/strong><\/p>\n\n\n\n

\u4e0a\u5e2d\u57f7\u884c\u5f79\u54e1
\u30b7\u30cb\u30a2\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\uff08\u5317\u7c73\u7d71\u62ec\uff09<\/p>\n\n\n\n

\u5927\u5b66\u5352\u696d\u3068\u540c\u6642\u306b\u6e21\u7c73\u3057\u3001\u30ed\u30b5\u30f3\u30bc\u30eb\u30b9\u3067\u5916\u98df\u30d3\u30b8\u30cd\u30b9\u3092\u7acb\u3061\u4e0a\u3052\u308b\u3002\u5e30\u56fd\u5f8c\u306f\u8907\u6570\u306e\u30d9\u30f3\u30c1\u30e3\u30fc\u4f01\u696d\u306e\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u3001\u7d4c\u55b6\u306b\u643a\u308f\u308a\u30012001\u5e74\u306b\u7d4c\u55b6\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\u3068\u3057\u3066\u72ec\u7acb\u3002\u4e8b\u696d\u518d\u751f\u3001\u65b0\u898f\u4e8b\u696d\u7acb\u4e0a\u3052\u3001\u30a2\u30e1\u30ea\u30ab\u5e02\u5834\u958b\u62d3\u306a\u3069\u3092\u4e2d\u5fc3\u306b\u6307\u5c0e\u3092\u884c\u3063\u3066\u3044\u308b\u3002\u30a2\u30e1\u30ea\u30ab\u5728\u4f4f\u901a\u7b97\u4e03\u5e74\u3067\u3001\u73fe\u5728\u3082\u73fe\u5730\u306e\u6700\u65b0\u60c5\u5831\u3092\u53d6\u5f97\u3057\u3001\u5404\u7a2e\u30e1\u30c7\u30a3\u30a2\u306a\u3069\u3067\u767a\u4fe1\u3057\u3066\u3044\u308b\u3002\u7c73\u56fd\u3067\u30d9\u30b9\u30c8\u30bb\u30e9\u30fc\u3068\u306a\u3063\u305f\u540d\u8457\u300e\u30a4\u30f3\u30d0\u30a6\u30f3\u30c9\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u300f\uff08\u3059\u3070\u308b\u820e\u30ea\u30f3\u30b1\u30fc\u30b8\uff09\u306e\u7ffb\u8a33\u8005\u3002\u660e\u6cbb\u5b66\u9662\u5927\u5b66\u7d4c\u6e08\u5b66\u90e8\u7d4c\u55b6\u5b66\u79d1\u535a\u58eb\u8ab2\u7a0b\u4fee\u4e86\u3001\u7d4c\u55b6\u5b66\u4fee\u58eb\u3002<\/p>\n\n\n\n

\u9023\u7d61\u5148\uff1ak-maeda@j-seeds.jp<\/a><\/p>\n<\/div><\/div>\n<\/div>\n\n

\n

\u5f53\u793e\u306f\u3001\u6d77\u5916\u4e8b\u696d\u5c55\u958b\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u30d7\u30ed\u30d5\u30a7\u30c3\u30b7\u30e7\u30ca\u30eb\u30c1\u30fc\u30e0\u3067\u3059\u3002
\u304a\u6c17\u8efd\u306b\u304a\u554f\u3044\u5408\u308f\u305b\u304f\u3060\u3055\u3044\u3002<\/a><\/p>\n\n\n\n

<\/path><\/path><\/svg>\u304a\u554f\u3044\u5408\u308f\u305b<\/span><\/a><\/div><\/span>\n\n\n\n\n<\/div>\n\n\n\n","protected":false},"excerpt":{"rendered":"

\u30a2\u30e1\u30ea\u30ab\u3067\u65e5\u5e38\u306e\u98df\u6599\u54c1\u3092BNPL\uff08Buy Now, Pay Later, \u4ee3\u91d1\u5f8c\u6255\u3044\uff09\u3067\u8cb7\u3046\u4eba\u304c\u5897\u52a0\u3057\u3066\u3044\u307e\u3059\u3002\u30d0\u30a4\u30c7\u30f3\u524d\u653f\u6a29\u6642\u4ee3\u304b\u3089\u7d9a\u304f\u6301\u7d9a\u7684\u306a\u30a4\u30f3\u30d5\u30ec\u30fc\u30b7\u30e7\u30f3\u306b\u52a0\u3048\u3001\u30c8\u30e9\u30f3\u30d7\u95a2\u7a0e\u306e\u767a\u52d5\u306b\u3088\u308b\u751f\u6d3b\u5fc5\u9700\u54c1\u306e\u5024\u4e0a\u304c\u308a\u304c\u4e00\u822c […]<\/p>\n","protected":false},"author":3,"featured_media":3932,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"swell_btn_cv_data":"","footnotes":""},"categories":[330],"tags":[400],"class_list":["post-3931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-america","tag-american-life"],"_links":{"self":[{"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/posts\/3931","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/comments?post=3931"}],"version-history":[{"count":2,"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/posts\/3931\/revisions"}],"predecessor-version":[{"id":3938,"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/posts\/3931\/revisions\/3938"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/media\/3932"}],"wp:attachment":[{"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/media?parent=3931"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/categories?post=3931"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/j-seeds.jp\/column\/wp-json\/wp\/v2\/tags?post=3931"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}