{"id":2502,"date":"2025-05-10T16:26:02","date_gmt":"2025-05-10T08:26:02","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2502"},"modified":"2025-05-10T16:26:02","modified_gmt":"2025-05-10T08:26:02","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e8%a7%a3%e6%9e%90%ef%bc%9a%e4%b8%80%e6%96%87%e6%90%9e%e6%87%82%e6%a0%b8%e5%bf%83%e7%bb%93%e6%9e%84","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ja\/2025\/05\/10\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%85%a8%e8%a7%a3%e6%9e%90%ef%bc%9a%e4%b8%80%e6%96%87%e6%90%9e%e6%87%82%e6%a0%b8%e5%bf%83%e7%bb%93%e6%9e%84\/","title":{"rendered":"\u30a4\u30f3\u30c9\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u3092\u89e3\u8aac\uff1a1\u3064\u306e\u8a18\u4e8b\u3067\u30b3\u30a2\u69cb\u9020\u3092\u7406\u89e3\u3059\u308b"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts49.mm.bing.net\/th?q=paytm48\" alt=\"\u30a4\u30f3\u30c9\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u3092\u89e3\u8aac\uff1a1\u3064\u306e\u8a18\u4e8b\u3067\u30b3\u30a2\u69cb\u9020\u3092\u7406\u89e3\u3059\u308b\" title=\"\u30a4\u30f3\u30c9\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u3092\u89e3\u8aac\uff1a1\u3064\u306e\u8a18\u4e8b\u3067\u30b3\u30a2\u69cb\u9020\u3092\u7406\u89e3\u3059\u308b\"><\/p>\n<h1>\u30a4\u30f3\u30c9\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u3092\u89e3\u8aac\uff1a1\u3064\u306e\u8a18\u4e8b\u3067\u30b3\u30a2\u69cb\u9020\u3092\u7406\u89e3\u3059\u308b<\/h1>\n<h2>\u306f\u3058\u3081\u306b\uff1a\u30a4\u30f3\u30c9\u306b\u304a\u3051\u308b\u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u306e\u53f0\u982d<\/h2>\n<p>\u8fd1\u5e74\u3001\u30a4\u30f3\u30c9\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306f\u304b\u3064\u3066\u306a\u3044\u5909\u5316\u3068\u6210\u9577\u3092\u9042\u3052\u3066\u3044\u308b\u3002\u4e16\u754c\u7b2c2\u4f4d\u306e\u4eba\u53e3\u3092\u64c1\u3057\u3001\u7d4c\u6e08\u6210\u9577\u306e\u8457\u3057\u3044\u30a4\u30f3\u30c9\u3067\u306f\u3001\u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u5206\u91ce\u3001\u7279\u306b\u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u5e02\u5834\u304c\u9a5a\u7570\u7684\u306a\u30c0\u30a4\u30ca\u30df\u30ba\u30e0\u3092\u898b\u305b\u3066\u3044\u308b\u3002\u672c\u7a3f\u3067\u306f\u3001\u30a4\u30f3\u30c9\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306e\u30b3\u30a2\u30fb\u30a2\u30fc\u30ad\u30c6\u30af\u30c1\u30e3\u3001\u4e3b\u8981\u30d7\u30ec\u30fc\u30e4\u30fc\u3001\u6280\u8853\u7684\u57fa\u76e4\u3001\u5c06\u6765\u306e\u30c8\u30ec\u30f3\u30c9\u306b\u3064\u3044\u3066\u5305\u62ec\u7684\u306b\u5206\u6790\u3059\u308b\u3002<\/p>\n<p>\u30a4\u30f3\u30c9\u56fd\u5bb6\u6c7a\u6e08\u516c\u793e\uff08NPCI\uff09\u306b\u3088\u308b\u3068\u3001\u30a4\u30f3\u30c9\u306b\u304a\u3051\u308b\u7d71\u4e00\u6c7a\u6e08\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30fc\u30b9\uff08UPI\uff09\u306e\u53d6\u5f15\u4ef6\u6570\u306f2022\u5e74\u306b740\u5104\u4ef6\u306b\u9054\u3057\u3001\u7dcf\u984d126\u5146\u30eb\u30d4\u30fc\uff081.5\u5146\u7c73\u30c9\u30eb\uff09\u3092\u8d85\u3048\u3001\u524d\u5e74\u304b\u3089\u7d0490%\u5897\u52a0\u3057\u305f\u3002\u3053\u306e\u6025\u6210\u9577\u306b\u3088\u308a\u3001\u30a4\u30f3\u30c9\u306e\u30c7\u30b8\u30bf\u30eb\u516c\u5171\u30a4\u30f3\u30d5\u30e9\u3067\u3042\u308b\u300c\u30a4\u30f3\u30c9\u30fb\u30b9\u30bf\u30c3\u30af\u300d\u306f\u4e16\u754c\u7684\u306b\u6ce8\u76ee\u3055\u308c\u308b\u30e2\u30c7\u30eb\u3068\u306a\u3063\u305f\u3002-\u30a4\u30f3\u30c9\u306e\u30c7\u30b8\u30bf\u30eb\u516c\u5171\u30a4\u30f3\u30d5\u30e9\u306f\u3001\u4e16\u754c\u7684\u306b\u6ce8\u76ee\u3055\u308c\u308b\u30e2\u30c7\u30eb\u3068\u306a\u3063\u3066\u3044\u308b\u3002<\/p>\n<h2>I. \u30a4\u30f3\u30c9\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306b\u95a2\u3059\u308b\u898f\u5236\u306e\u67a0\u7d44\u307f<\/h2>\n<h3>1.1 \u4e2d\u592e\u9280\u884c\u306e\u4e2d\u6838\u7684\u5f79\u5272<\/h3>\n<p><strong>\u6e96\u5099\u9280\u884c\uff08RBI\uff09<strong>RBI\u306f2007\u5e74\u306b\u5236\u5b9a\u3055\u308c\u305f\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u6cd5\uff08Payment and Settlement Systems Act\uff09\u306b\u3088\u308a\u3001\u3042\u3089\u3086\u308b\u7a2e\u985e\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u3092\u76e3\u7763\u30fb\u898f\u5236\u3059\u308b\u6a29\u9650\u3092\u4e0e\u3048\u3089\u308c\u3066\u3044\u308b\u3002\u305d\u306e\u4e0b\u3067<\/strong>\u6c7a\u6e08\u90e8\u9580<\/strong>(DPSS)\u306f\u3001\u3059\u3079\u3066\u306e\u30ea\u30c6\u30fc\u30eb\u304a\u3088\u3073\u5927\u53e3\u306e\u96fb\u5b50\u8cc7\u91d1\u79fb\u52d5\u6a5f\u69cb\u3092\u76e3\u7763\u3057\u3001\u65b9\u91dd\u3092\u5b9a\u3081\u308b\u3053\u3068\u306b\u5c02\u5ff5\u3057\u3066\u3044\u308b\u3002<\/p>\n<p>\u8fd1\u5e74\u306eRBI\u306e\u898f\u5236\u4e0a\u306e\u512a\u5148\u8ab2\u984c\u306f\u4ee5\u4e0b\u306e\u901a\u308a\uff1a<\/p>\n<ul>\n<li>\u3042\u3089\u3086\u308b\u7a2e\u985e\u306e\u91d1\u878d\u6a5f\u95a2\u306b\u3068\u3063\u3066\u516c\u5e73\u306a\u7af6\u4e89\u6761\u4ef6\u306e\u78ba\u4fdd<\/li>\n<li>\u91d1\u878d\u5305\u6442\u306e\u76ee\u6a19\u306e\u63a8\u9032<\/li>\n<li>\u6d88\u8cbb\u8005\u306e\u6a29\u5229\u3068\u30c7\u30fc\u30bf\u30fb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306e\u4fdd\u8b77<\/li>\n<li>\u30b7\u30b9\u30c6\u30df\u30c3\u30af\u30fb\u30ea\u30b9\u30af\u3092\u6291\u5236\u3057\u3064\u3064\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u4fc3\u9032<\/li>\n<\/ul>\n<h3>1.2 NPCI\u306e\u4e3b\u306a\u5f79\u5272<\/h3>\n<p>\u56fd\u5bb6\u6c7a\u6e08\u516c\u793e\uff08NPCI\uff09\u306f\u3001RBI\u3068\u9280\u884c\u5354\u4f1a\u306b\u3088\u3063\u3066\u8a2d\u7acb\u3055\u308c\u305f\u7d71\u62ec\u7d44\u7e54\u3067\u3001\u8907\u6570\u306e\u56fd\u5bb6\u30ec\u30d9\u30eb\u306e\u5c0f\u58f2\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u3068\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3092\u904b\u55b6\u3057\u3066\u3044\u308b\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th>NPCI\u304c\u904b\u55b6\u3059\u308b\u4e3b\u306a\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>UPI\uff08\u30e6\u30cb\u30d5\u30a1\u30a4\u30c9\u30fb\u30da\u30a4\u30e1\u30f3\u30c8\u30fb\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30a4\u30b9\uff09<\/td>\n<\/tr>\n<tr>\n<td>IMPS\uff08\u5373\u6642\u6c7a\u6e08\u30b5\u30fc\u30d3\u30b9\uff09<\/td>\n<\/tr>\n<tr>\n<td>NEFT (\u5168\u56fd\u96fb\u5b50\u9001\u91d1)<\/td>\n<\/tr>\n<tr>\n<td>RTGS\uff08\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u7dcf\u5408\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\uff09<\/td>\n<\/tr>\n<tr>\n<td>RuPay\u30c7\u30d3\u30c3\u30c8\u30ab\u30fc\u30c9\u30cd\u30c3\u30c8\u30ef\u30fc\u30af<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>NPCI\u306f\u3001\u3053\u308c\u3089\u306e\u91cd\u8981\u306a\u30a4\u30f3\u30d5\u30e9\u3092\u3001\u7d14\u7c8b\u306a\u5546\u696d\u904b\u55b6\u3067\u306f\u306a\u304f\u3001\u9280\u884c\u9593\u306e\u5354\u540c\u30e2\u30c7\u30eb\u3092\u7528\u3044\u3066\u904b\u55b6\u3057\u3066\u3044\u308b\u3002<\/p>\n<p>II.\u30b3\u30a2\u6280\u8853\u306e\u30a2\u30fc\u30ad\u30c6\u30af\u30c1\u30e3\u5206\u6790<\/p>\n<p>2.1 \u30a4\u30f3\u30c7\u30a3\u30a2\u30fb\u30b9\u30bf\u30c3\u30af4\u5c64\u30e2\u30c7\u30eb<\/p>\n<h4><strong>\u7b2c1\u6bb5\u968e\uff1a\u672c\u4eba\u78ba\u8a8d\uff08Aadhaar\uff09<\/strong><\/h4>\n<p>Aadhaar\u306f\u4e16\u754c\u6700\u5927\u7d1a\u306e\u751f\u4f53\u8a8d\u8a3cID\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u3067\u3042\u308b\uff1a<\/p>\n<ul>\n<li>12\u6841\u306e\u56fa\u6709\u8b58\u5225\u756a\u53f7<\/li>\n<li>\u6307\u7d0b\/\u8679\u5f69\u306a\u3069\u306b\u57fa\u3065\u304f\u30d0\u30a4\u30aa\u30e1\u30c8\u30ea\u30af\u30b9\u8a8d\u8a3c\u3002<\/li>\n<li>\u6210\u4eba\u5c45\u4f4f\u8005\u306e99%\u3092\u30ab\u30d0\u30fc<\/li>\n<\/ul>\n<h4><strong>\u30ec\u30a4\u30e4\u30fc2\uff1a\u30e6\u30cb\u30d5\u30a1\u30a4\u30c9\u30fb\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30a4\u30b9\uff08UPI\uff09<\/strong><\/h4>\n<p>UPI\u306f\u30e2\u30d0\u30a4\u30eb\u6c7a\u6e08\u306e\u4ee3\u540d\u8a5e\u3068\u306a\u3063\u3066\u3044\u308b\uff1a<\/p>\n<pre><code>\u52d5\u4f5c\u539f\u7406\u4f8b\u3002<br>\r\n\u30e6\u30fc\u30b6\u30fcA \u2192 UPI\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3 \u2192 NPCI\u30b5\u30fc\u30d0\u30fc \u2192 \u53d7\u4fe1\u8005B\u30a2\u30ab\u30a6\u30f3\u30c8  <br>\r\n<\/code><\/pre>\n<p>\u30b5\u30dd\u30fc\u30c8\u6a5f\u80fd\u306f\u4ee5\u4e0b\u306e\u901a\u308a\uff1a<br \/>\n\u2714\ufe0f P2P\u9001\u91d1 \u2714\ufe0f Merchant Sweep Pay \u2714\ufe0f \u8acb\u6c42\u66f8\u652f\u6255\u3044<\/p>\n<h4><strong>\u7b2c3\u6bb5\u968e\uff1a\u30c7\u30fc\u30bf\u5171\u6709\uff08DEPA\uff09<\/strong><\/h4>\n<p>Data Empowerment and Protection Architecture\uff08\u30c7\u30fc\u30bf\u6a29\u9650\u4ed8\u4e0e\u3068\u4fdd\u8b77\u30a2\u30fc\u30ad\u30c6\u30af\u30c1\u30e3\uff09\u306b\u3088\u308a\u3001\u30e6\u30fc\u30b6\u30fc\u306f\u3001\u500b\u4eba\u91d1\u878d\u30c7\u30fc\u30bf\u3092\u7ba1\u7406\u3057\u306a\u304c\u3089\u3001\u3088\u308a\u826f\u3044\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u305f\u3081\u306b\u3001\u7b2c\u4e09\u8005\u304c\u7279\u5b9a\u306e\u60c5\u5831\u306b\u30a2\u30af\u30bb\u30b9\u3059\u308b\u3053\u3068\u3092\u8a31\u53ef\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002<\/p>\n<h4><strong>\u30ec\u30a4\u30e4\u30fc4\uff1aeKYC\u3068e\u30b5\u30a4\u30f3<\/strong><\/h4>\n<p>\u30c7\u30b8\u30bf\u30eb\u9867\u5ba2\u8a8d\u8b58\u30d7\u30ed\u30bb\u30b9\uff08eKYC\uff09\u3002<br \/>\n:: \u7d19\u66f8\u985e\u306e\u4ee3\u308f\u308a\u306bAadhaar OTP\u8a8d\u8a3c<br \/>\n\u53e3\u5ea7\u958b\u8a2d\u6642\u9593\u3092\u6570\u65e5\u304b\u3089\u6570\u5206\u306b\u77ed\u7e2e<\/p>\n<p>2.2 API\u7d4c\u6e08\u30a8\u30b3\u30b7\u30b9\u30c6\u30e0<\/p>\n<p>\u30aa\u30fc\u30d7\u30f3API\u6a19\u6e96\u304cFinTech\u4f01\u696d\u3068\u4f1d\u7d71\u7684\u9280\u884c\u306e\u5354\u529b\u95a2\u4fc2\u3092\u4fc3\u9032\u3002<\/p>\n<pre><code class=\"language-mermaid\">\u30b0\u30e9\u30d5LR\u3002<br>\r\n    \u30d5\u30a3\u30f3\u30c6\u30c3\u30af\u4f01\u696d\u2192\u9280\u884cAPI\u3002<br>\r\n    \u30de\u30fc\u30c1\u30e3\u30f3\u30c8APP--&gt;UPISDK\u3002 <br>\r\n    \u30ac\u30d0\u30e1\u30f3\u30c8\u30fb\u30b5\u30fc\u30d3\u30b9 --&gt; AA[\u30a2\u30ab\u30a6\u30f3\u30c8\u30fb\u30a2\u30b0\u30ea\u30b2\u30fc\u30bf\u30fc]\u3002<br>\r\n<\/code><\/pre>\n<p>\u5178\u578b\u7684\u306aAPI\u547c\u3073\u51fa\u3057\u30b7\u30ca\u30ea\u30aa\u306e\u4f8b\u3002<\/p>\n<pre><code class=\"language-python\">def upi_payment_request(vpa, amount).<br>\r\n    headers = {\"Authorization\": \"Bearer token123\"}.<br>\r\n    data = {\"payeeVPA\": vpa, \"amount\": amount}.<br>\r\n    response = requests.post(\"https:\/\/api.upi.org\/pay\", json=data, headers=headers)<br>\r\n    return response.json()<br>\r\n<\/code><\/pre>\n<p>III.\u4e3b\u529b\u88fd\u54c1\u306e\u6bd4\u8f03\u5206\u6790<\/p>\n<p>\u88683\uff1a\u4e3b\u8981\u30e2\u30d0\u30a4\u30eb\u30fb\u30a6\u30a9\u30ec\u30c3\u30c8\u306e\u6bd4\u8f03\uff082023\u5e74<\/p>\n<table>\n<thead>\n<tr>\n<th>\u30d5\u30a9\u30f3\u30da\u30fc<\/th>\n<th>\u30b0\u30fc\u30b0\u30eb\u30da\u30a4<\/th>\n<th>\u30da\u30a4\u30c6\u30a3\u30fc\u30a8\u30e0<\/th>\n<th>\u30a2\u30de\u30be\u30f3\u30fb\u30da\u30a4<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6708\u9593\u30e6\u30fc\u30b6\u30fc\u6570\uff08\u767e\u4e07\u4eba\uff09<\/td>\n<td>450+<\/td>\n<td>350+<\/td>\n<td>300+<\/td>\n<td>60+<\/td>\n<\/tr>\n<tr>\n<td>\u5e02\u573a\u4efd\u989d%*38%30%25%-7%<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u7279\u5fb4\u6295\u8cc7\u4fdd\u967a\u30e2\u30fc\u30eb\u30b9\u30fc\u30d1\u30fc\u30ed\u30fc\u30ab\u30eb\u30b5\u30fc\u30d3\u30b9E\u30b3\u30de\u30fc\u30b9\u30af\u30fc\u30dd\u30f3<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<blockquote>\n<p><em>\u6ce8\uff1aRedSeer\u306e\u6700\u65b0\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\u30fb\u30ec\u30dd\u30fc\u30c8\u306b\u57fa\u3065\u304f\u63a8\u5b9a\u5024\u3002<\/em><\/p>\n<\/blockquote>\n<p>\u6ce8\u76ee\u3059\u3079\u304d\u50be\u5411\u306e\u5909\u5316\u3002<br \/>\n- PhonePe\u30012023\u5e74\u521d\u982d\u306bFlipkart\u304b\u3089\u72ec\u7acb\u3057\u305f\u5f8c\u3001\u4e8b\u696d\u62e1\u5927\u3092\u52a0\u901f<br \/>\n- WhatsApp Pay\u306f\u5f8c\u767a\u3060\u304c\u3001\u30bd\u30fc\u30b7\u30e3\u30eb\u5c5e\u6027\u3092\u6d3b\u7528\u3057\u3066\u8fc5\u901f\u306a\u9867\u5ba2\u7372\u5f97\u3092\u5b9f\u73fe<br \/>\n- \u30af\u30ec\u30c9\u3092\u306f\u3058\u3081\u3068\u3059\u308b\u30cf\u30a4\u30a8\u30f3\u30c9\u30d7\u30ec\u30fc\u30e4\u30fc\u304c\u30ab\u30fc\u30c9\u30ed\u30fc\u30f3\u8fd4\u6e08\u90e8\u9580\u306b\u6ce8\u529b<\/p>\n<p>IV.\u958b\u767a\u306e\u8ab2\u984c\u3068\u6a5f\u4f1a<\/p>\n<p>4.1 \u65e2\u5b58\u306e\u30da\u30a4\u30f3\u30dd\u30a4\u30f3\u30c8\u306e\u5206\u6790<\/p>\n<p>\" \u5730\u65b9\u306b\u304a\u3051\u308b\u4e0d\u5341\u5206\u306a\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30ab\u30d0\u30ec\u30c3\u30b8\u304c\u5229\u7528\u4f53\u9a13\u306b\u5f71\u97ff<br \/>\n\u96f6\u7d30\u696d\u8005\u3084\u5c0f\u898f\u6a21\u696d\u8005\u306e\u4e2d\u306b\u306f\u3001\u3044\u307e\u3060\u306b\u73fe\u91d1\u53d6\u5f15\u306b\u6163\u308c\u3066\u3044\u308b\u8005\u3082\u3044\u308b\u3002<br \/>\n\u56fd\u5883\u3092\u8d8a\u3048\u305f\u9001\u91d1\u306e\u9ad8\u30b3\u30b9\u30c8<\/p>\n<p>4.2 \u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u65b9\u5411\u6027\u306e\u4e88\u6e2c<\/p>\n<p>CBDC\u8a66\u9a13\u7684\u62e1\u5927\uff08RBI\u30c7\u30b8\u30bf\u30eb\u901a\u8ca8\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u20b9\uff09<br \/>\n\u97f3\u58f0\u30d9\u30fc\u30b9\u306e\u6c7a\u6e08 \u2605 \u97f3\u58f0\u30d9\u30fc\u30b9\u306e\u53cc\u65b9\u5411\u6c7a\u6e08\u304c\u767b\u5834\u3059\u308b<br \/>\n\u30d0\u30fc\u30e9\u30c8\u30fb\u30d3\u30eb\u30da\u30a4\u3001\u516c\u5171\u6599\u91d1\u306e\u652f\u6255\u3044\u65e5\u3092\u5897\u3084\u3059<\/p>\n<p>\u7d50\u8ad6<\/p>\n<p>JAM\u306e\u4e09\u4f4d\u4e00\u4f53\uff08Jandhan Account-Aadhaar-Mobile\u306e\u4eba\u6c17\u4e0a\u6607\uff09\u306b\u3088\u308a\u3001\u30c7\u30b8\u30bf\u30eb\u652f\u5e97\u306e\u5e02\u5834\u898f\u6a21\u306f2026\u5e74\u307e\u3067\u306b$10\u5146\u30c9\u30eb\u3092\u8d85\u3048\u308b\u3068\u4e88\u60f3\u3055\u308c\u3066\u3044\u308b\u3002\u3053\u306e\u4ed5\u7d44\u307f\u306e\u8ad6\u7406\u3092\u7406\u89e3\u3059\u308b\u3053\u3068\u306f\u3001\u5730\u5143\u4f01\u696d\u306b\u3068\u3063\u3066\u91cd\u8981\u3067\u3042\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u4ed6\u306e\u65b0\u8208\u5e02\u5834\u304c\u5b66\u3076\u3053\u3068\u306e\u3067\u304d\u308b\u30c7\u30b8\u30bf\u30eb\u5909\u9769\u306e\u9053\u7b4b\u306e\u96db\u5f62\u3068\u306a\u308b\u3002<\/p>\n<p>\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001SEO\u6700\u9069\u5316\u306e\u91cd\u8981\u306a\u8981\u7d20\u3092\u7d39\u4ecb\u3059\u308b\u3002<br \/>\n\u660e\u78ba\u306aH\u30bf\u30b0\u968e\u5c64\uff08H2\/H3\u69cb\u9020\u5316\u30b3\u30f3\u30c6\u30f3\u30c4\uff09<br \/>\n\u30ad\u30fc\u30ef\u30fc\u30c9\u306e\u81ea\u7136\u306a\u5206\u5e03\uff08\u300cUP\u300d\u3001\u300cNCPI\u300d\u3001\u300cAadhar\u300d\u306a\u3069\u3001\u6838\u3068\u306a\u308b\u7528\u8a9e\u306e\u983b\u5ea6\u306f\u4e2d\u7a0b\u5ea6\uff09<br \/>\n\u8aad\u307f\u3084\u3059\u3055\u3092\u9ad8\u3081\u308b\u30ea\u30b9\u30c8\u3068\u8868<br \/>\n\u5b9f\u8df5\u7684\u306a\u30c7\u30fc\u30bf\u3068\u50be\u5411\u5206\u6790\u3092\u542b\u3080<\/p>\n<h2>V. \u30a4\u30f3\u30c9\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u306e\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fb\u30e1\u30ab\u30cb\u30ba\u30e0\u3068\u30ea\u30b9\u30af\u7ba1\u7406\u30b7\u30b9\u30c6\u30e0<\/h2>\n<h3>5.1 \u30de\u30eb\u30c1\u30ec\u30a4\u30e4\u30fc\u30d7\u30ed\u30c6\u30af\u30b7\u30e7\u30f3\u30a2\u30fc\u30ad\u30c6\u30af\u30c1\u30e3<\/h3>\n<p><strong>\u30d0\u30a4\u30aa\u30e1\u30c8\u30ea\u30c3\u30af\u691c\u8a3c<\/strong>\u306f\u30a4\u30f3\u30c9\u306b\u304a\u3051\u308b\u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u306e\u6a19\u6e96\u3068\u306a\u3063\u3066\u3044\u308b\uff1a<\/p>\n<ul>\n<li>Aadhaar\u8a8d\u8a3c\u30b7\u30b9\u30c6\u30e0\u306f\u30011\u65e5\u306b5000\u4e07\u4ef6\u4ee5\u4e0a\u306e\u751f\u4f53\u8a8d\u8a3c\u3092\u51e6\u7406\u3059\u308b<\/li>\n<li>UPI\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306f\u30c7\u30d0\u30a4\u30b9\u30fb\u30d0\u30a4\u30f3\u30c7\u30a3\u30f3\u30b0\uff0bSIM\u30a2\u30bd\u30b7\u30a8\u30fc\u30b7\u30e7\u30f3\u306b\u3088\u308b\u4e8c\u8981\u7d20\u8a8d\u8a3c\u3092\u7fa9\u52d9\u4ed8\u3051\u308b<\/li>\n<li>NPCI\u306f\u3001\u3059\u3079\u3066\u306e\u53d6\u5f15\u306b\u30c0\u30a4\u30ca\u30df\u30c3\u30afOTP\u307e\u305f\u306f\u6307\u7d0b\u8a8d\u8a3c\u3092\u542b\u3081\u308b\u3053\u3068\u3092\u7fa9\u52d9\u4ed8\u3051\u3066\u3044\u308b\u3002<\/li>\n<\/ul>\n<p>\u5178\u578b\u7684\u306a\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30fb\u30d7\u30ed\u30c8\u30b3\u30eb\u306e\u30d7\u30ed\u30bb\u30b9\u306e\u4f8b\uff1a<\/p>\n<pre><code class=\"language-mermaid\">\u30b7\u30fc\u30b1\u30f3\u30b9\u56f3<br>\r\n    \u30e6\u30fc\u30b6\u30fc-&gt;&gt;APP\uff1a1000\u30eb\u30d4\u30fc\u306e\u9001\u91d1\u3092\u958b\u59cb\u3059\u308b<br>\r\n    APP-&gt;&gt;Server: \u30c8\u30e9\u30f3\u30b6\u30af\u30b7\u30e7\u30f3\u8981\u6c42\u306e\u9001\u4fe1\uff08\u30c7\u30d0\u30a4\u30b9 ID \u30cf\u30c3\u30b7\u30e5\u4ed8\u304d\uff09<br>\r\n    \u30b5\u30fc\u30d0\u30fc-&gt;&gt;\u30e6\u30fc\u30b6\u30fc\uff1a\u767b\u9332\u3057\u305f\u643a\u5e2f\u96fb\u8a71\u306b6\u6841\u306e\u30c0\u30a4\u30ca\u30df\u30c3\u30afOTP\u3092\u30d7\u30c3\u30b7\u30e5\u3059\u308b\u3002<br>\r\n    \u30e6\u30fc\u30b6\u30fc-&gt;&gt;APP\uff1a\u6b63\u3057\u3044OTP\u306e\u5165\u529b\uff0b\u6307\u7d0b\u8a8d\u8a3c<br>\r\n    APP-&gt;&gt;BANKING SYSTEM: \u6697\u53f7\u5316\u3055\u308c\u305f\u30b3\u30de\u30f3\u30c9\u30d1\u30b1\u30c3\u30c8\u306e\u9001\u4fe1 <br>\r\n<\/code><\/pre>\n<p>5.2 RBI\u306e\u898f\u5236\u30b5\u30f3\u30c9\u30dc\u30c3\u30af\u30b9\u30fb\u30e1\u30ab\u30cb\u30ba\u30e0<\/p>\n<p>\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3068\u30ea\u30b9\u30af\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u3068\u308b\u305f\u3081\u3001RBI\u306f\u6bb5\u968e\u7684\u306a\u30c6\u30b9\u30c8\u306e\u67a0\u7d44\u307f\u3092\u78ba\u7acb\u3057\u305f\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\u30dd\u30a4\u30f3\u30c8<\/strong><\/th>\n<th><strong>\u30a2\u30af\u30bb\u30b9\u57fa\u6e96<\/strong><\/th>\n<th><strong>\u30c6\u30b9\u30c8\u7bc4\u56f2\u306e\u5236\u9650<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6982\u5ff5\u5b9f\u8a3c\u671f\u9593<\/td>\n<td>&lt;50\u4e07\u30e6\u30fc\u30b6\u30fc\u30c6\u30b9\u30c8\u30fb\u30b0\u30eb\u30fc\u30d7<\/td>\n<td>\u4e00\u56de\u306e\u53d6\u5f15\u984d\u304c2000\u30eb\u30d4\u30fc\u4ee5\u4e0b<\/td>\n<\/tr>\n<tr>\n<td>\u904b\u8ee2\u671f\u9593\u306e\u5ef6\u9577<\/td>\n<td>&lt;1\u65e5\u306e\u30e6\u30fc\u30b6\u30fc\u6570500\u4e07\u4eba\u4ee5\u4e0b\u226610\u4e07\u30eb\u30d4\u30fc<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>PCI-DSS\u30ec\u30d9\u30eb3\u8a8d\u8a3c\u304a\u3088\u3073\u30ed\u30fc\u30ab\u30eb\u30fb\u30c7\u30fc\u30bf\u30fb\u30b9\u30c8\u30ec\u30fc\u30b8\u306e\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u5be9\u67fb\u304c\u3001\u672c\u683c\u7684\u306a\u5546\u696d\u5316\u524d\u306b\u5fc5\u8981\u3068\u306a\u308b\u3002<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>2023\u5e74\u306e\u65b0\u898f\u5236\u3067\u306f\u3001\u3059\u3079\u3066\u306e\u6c7a\u6e08\u30b5\u30fc\u30d3\u30b9\u30fb\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306b\u5bfe\u3057\u3001\u8cc7\u91d1\u6d41\u51fa\u306e\u30ea\u30b9\u30af\u304b\u3089\u4fdd\u8b77\u3059\u308b\u305f\u3081\u3001\u300c\u30b3\u30fc\u30eb\u30c9\u30a6\u30a9\u30ec\u30c3\u30c8\u300d\uff08\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u306e\u4fdd\u7ba1\u5834\u6240\uff09\u306b\u3042\u308b\u9867\u5ba2\u8cc7\u91d1\u306e\u5272\u5408\u309275%\u4ee5\u4e0a\u306b\u5897\u3084\u3059\u3088\u3046\u6c42\u3081\u3066\u3044\u308b\u3002<\/p>\n<p>VI. \u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u6c7a\u6e08\u306e\u73fe\u72b6\u3068\u767a\u5c55<\/p>\n<p>6.1 RuPay\u30ab\u30fc\u30c9\u306e\u56fd\u969b\u5316<\/p>\n<p>Discover\u3084JCB\u3068\u3044\u3063\u305f\u56fd\u969b\u7684\u306a\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3068\u306e\u76f8\u4e92\u904b\u7528\u5354\u5b9a\u3092\u901a\u3058\u3066\uff1a<br \/>\nATM\u306b\u3088\u308b\u73fe\u91d1\u5f15\u304d\u51fa\u3057\u304c\u53ef\u80fd\u306a180\u306e\u56fd\u30fb\u5730\u57df\u3092\u30ab\u30d0\u30fc<br \/>\n\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u30fb\u30c1\u30e3\u30f3\u30ae\u7a7a\u6e2f\u3068\u305d\u306e\u4ed6\u306e\u30cf\u30d6\u7a7a\u6e2f\u304c\u9650\u5b9a\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u3092\u958b\u59cb<br \/>\n2024\u5e74\u307e\u3067\u306bEU\u306eSEPA\u30b7\u30b9\u30c6\u30e0\u3068\u306e\u76f8\u4e92\u63a5\u7d9a\u3092\u8a08\u753b<\/p>\n<p>\u8868\uff1a\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u9001\u91d1\u306e\u30b3\u30b9\u30c8\u6bd4\u8f03\uff08$200\u5bfe\u30a4\u30f3\u30c9\uff09<\/p>\n<p>\u6e20\u9053\u7c7b\u578b\u5e73\u5747\u8d39\u7528\u5904\u7406\u65f6\u95f4\u6c47\u7387\u52a0\u6210\u603b\u6210\u672c\u5360\u6bd4WesternUnion11%15\u5206\u949f3.2%<del>14.2%UP\u30a4\u30f3\u30bf\u30fc\u30ca\u30b7\u30e7\u30ca\u30eb*1%\u30a4\u30f3\u30b9\u30bf\u30f3\u30c800<\/del>1%<br \/>\n(\u8a66\u9a13\u6bb5\u968e\u306f\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb-\u30a4\u30f3\u30c9\u9593\u306e\u307f\uff09<\/p>\n<p>6.2 CBDC \u56fd\u5883\u3092\u8d8a\u3048\u305f\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\u30c6\u30b9\u30c8<\/p>\n<p>e\u30eb\u30d4\u30fc\u30fb\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u306f\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u9769\u65b0\u7684\u306a\u8a66\u307f\u3092\u884c\u3063\u305f\u3002<br \/>\n-UAE\u4e2d\u592e\u9280\u884c\u3068\u30c7\u30b8\u30bf\u30eb\u901a\u8ca8\u306e\u30db\u30fc\u30eb\u30bb\u30fc\u30eb\u6c7a\u6e08\u3092\u30c6\u30b9\u30c8<br \/>\n-\u8f38\u51fa\u5165\u8cbf\u6613\u6c7a\u6e08\u3092\u81ea\u52d5\u5316\u3059\u308b\u30b9\u30de\u30fc\u30c8\u30b3\u30f3\u30c8\u30e9\u30af\u30c8\u3092\u63a2\u308b<br \/>\n-\u30c7\u30b8\u30bf\u30eb\u30fb\u30eb\u30d4\u30fc\u306e\u8cc3\u91d1\u3092\u76f4\u63a5\u53d7\u3051\u53d6\u308b\u30d1\u30a4\u30ed\u30c3\u30c8\u99d0\u5728\u54e1<\/p>\n<p>\u4e3b\u306a\u6280\u8853\u7684\u30d6\u30ec\u30fc\u30af\u30b9\u30eb\u30fc\u306f\u4ee5\u4e0b\u306e\u901a\u308a\uff1a<\/p>\n<pre><code class=\"language-solidity\">\/\/ e-\u30eb\u30d4\u30fc\u306e\u30aa\u30f3\u30c1\u30a7\u30fc\u30f3\u5951\u7d04\u4f8b\u306e\u30b9\u30cb\u30da\u30c3\u30c8 <br>\r\n\u5951\u7d04 CrossBorderPayment<br>\r\n    \u95a2\u6570settlementTrade(address exporter, uint amount) external {.<br>\r\n        require(RBI.approved[msg.sender])\uff1b<br>\r\n        balances[exporter] += amount.<br>\r\n        SettlementCompleted(block.timestamp)\u3092\u5b9f\u884c\u3059\u308b\uff1b<br>\r\n    }<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>VII.\u4e2d\u5c0f\u5546\u5e97\u306e\u5c0e\u5165\u7387\u5411\u4e0a\u7b56<\/p>\n<p>7.1 QR\u30b3\u30fc\u30c9\u666e\u53ca\u30ad\u30e3\u30f3\u30da\u30fc\u30f3\u306f\u52b9\u679c\u7684\u3067\u3042\u308b<br \/>\n\u5168\u56fd\u306b4,000\u4e07\u53f0\u4ee5\u4e0a\u306e\u300c\u30d0\u30fc\u30e9\u30c8QR\u300d\u6a19\u6e96\u7aef\u672b\u304c\u914d\u5099\u3055\u308c\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u30b5\u30dd\u30fc\u30c8\u6a5f\u80fd\u3092\u5099\u3048\u3066\u3044\u308b\uff1a<br \/>\n\u30aa\u30fc\u30eb\u30a4\u30f3\u30ef\u30f3\u5bfe\u5fdc\uff08UPI\/\u30a6\u30a9\u30ec\u30c3\u30c8\/\u30d0\u30f3\u30af\u30ab\u30fc\u30c9\uff09<br \/>\n\u9759\u7684\u30b3\u30fc\u30c9\u306e\u30aa\u30d5\u30e9\u30a4\u30f3\u751f\u6210\u306b\u3088\u308b\u30cf\u30fc\u30c9\u30a6\u30a7\u30a2\u4f9d\u5b58\u6027\u306e\u4f4e\u6e1b<br \/>\n\u8aad\u307f\u66f8\u304d\u306e\u3067\u304d\u306a\u3044\u30aa\u30da\u30ec\u30fc\u30bf\u30fc\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u97f3\u58f0\u30a2\u30ca\u30a6\u30f3\u30b9\u6a5f\u80fd<\/p>\n<p>7.2 SaaS\u30d9\u30fc\u30b9\u306e\u30ec\u30b8\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306e\u53f0\u982d<\/p>\n<p>PayNearby\u300d\u306e\u3088\u3046\u306a\u65b0\u3057\u3044\u30b5\u30fc\u30d3\u30b9\u306f\u3001\u30c4\u30fc\u30eb\u306e\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\uff1a<br \/>\n\u2714\ufe0f \u30c7\u30b8\u30bf\u30eb\u5143\u5e33\u306e\u81ea\u52d5\u7167\u5408<br \/>\n\u2714\ufe0f \u5728\u5eab\u7ba1\u7406 \u7d71\u5408 \u8abf\u9054 \u6c7a\u6e08<br \/>\n\u2714\ufe0f \u53d6\u5f15\u30c7\u30fc\u30bf\u306b\u57fa\u3065\u304f\u4fe1\u7528\u30b9\u30b3\u30a2\u30ea\u30f3\u30b0<\/p>\n<p>\u5178\u578b\u7684\u306a\u4f8b\u3068\u3057\u3066\u3001\u3053\u306e\u3088\u3046\u306a\u30c4\u30fc\u30eb\u3092\u4f7f\u7528\u3057\u305f\u30ad\u30e9\u30ca\u30b7\u30e7\u30c3\u30d7\uff08\u5730\u57df\u98df\u6599\u54c1\u5e97\uff09\u3067\u306f\u3001\u5e73\u574723%\u306e\u53ce\u76ca\u5411\u4e0a\u304c\u898b\u3089\u308c\u3001\u4e0d\u826f\u50b5\u6a29\u7387\u306f17\u30dd\u30a4\u30f3\u30c8\u4f4e\u4e0b\u3057\u305f\u3002<\/p>\n<p>\u6d88\u8cbb\u8005\u884c\u52d5\u306b\u95a2\u3059\u308b\u6d1e\u5bdf\u3068\u65b0\u305f\u306a\u30c8\u30ec\u30f3\u30c9<\/p>\n<p>8.1 \u30b8\u30a7\u30cd\u30ec\u30fc\u30b7\u30e7\u30f3Z\u306e\u652f\u6255\u3044\u55dc\u597d\u8abf\u67fb\uff082023\u5e74\uff09<\/p>\n<p>\u56f38\uff1a\u3010\u68d2\u30b0\u30e9\u30d5\u8868\u793a<br \/>\n-1\u65e5\u306e\u53d6\u5f15\u984d\u306e\u3046\u306168%\u3092\u30b9\u30a4\u30fc\u30d7\u30fb\u30da\u30a4\u30e1\u30f3\u30c8\u304c\u5360\u3081\u308b<br \/>\n-29%\u306e\u97f3\u58f0\u30b3\u30de\u30f3\u30c9\u4f7f\u7528\u72b6\u6cc1\uff08\u65b9\u8a00\u4e2d\u5fc3\uff09<br \/>\n-BNPL\uff08Buy Now Pay Later\uff09\u306e\u666e\u53ca\u7387\u306f\u300118\uff5e25\u6b73\u306e\u5e74\u9f62\u5c64\u306741%\u3067\u3042\u308b\u3002<\/p>\n<p>8.2 \u65b0\u305f\u306a\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u30fb\u30d1\u30bf\u30fc\u30f3<\/p>\n<p>\u30a6\u30a7\u30a2\u30e9\u30d6\u30eb\u6c7a\u6e08\uff1aReliance Jio\u306e\u30b9\u30de\u30fc\u30c8\u30d0\u30f3\u30c9\u304cNFC\u8fd1\u8ddd\u96e2\u7121\u7dda\u901a\u4fe1\u306b\u5bfe\u5fdc<br \/>\n\u8eca\u8f09\u30b7\u30b9\u30c6\u30e0\u7d71\u5408\uff1a\u30de\u30d2\u30f3\u30c9\u30e9\u96fb\u6c17\u81ea\u52d5\u8eca\u5185\u8535\u306e\u30bf\u30c3\u30c1\u30ec\u30b9\u7d66\u6cb9\u6a5f\u80fd<br \/>\n\u30e1\u30bf\u30d0\u30fc\u30b9\u30fb\u30b7\u30ca\u30ea\u30aa\u30fb\u30a2\u30d7\u30ea\u30b1\u30fc\u30b7\u30e7\u30f3\uff1aTATA Neu\u30d0\u30fc\u30c1\u30e3\u30eb\u30e2\u30fc\u30eb\u8a66\u7528AR\u30d7\u30ec\u30d3\u30e5\u30fc\uff0b\u30ef\u30f3\u30af\u30ea\u30c3\u30af\u30aa\u30fc\u30c0\u30fc<\/p>\n<hr>\n<p>\u672c\u8a18\u4e8b\u3067\u306f\u3001SEO\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3092\u4e00\u8cab\u3057\u3066\u6700\u9069\u5316\u3059\u308b\u305f\u3081\u306e\u4e3b\u306a\u65bd\u7b56\u3092\u7d39\u4ecb\u3059\u308b\uff1a<br \/>\n\u30c7\u30b8\u30bf\u30eb\u30fb\u30eb\u30d4\u30fc\u300d\u300cBharatQR\u300d\u306a\u3069\u306eLSI\u30ad\u30fc\u30ef\u30fc\u30c9\u306f\u3001300\u8a9e\u3054\u3068\u306b\u81ea\u7136\u306b\u57cb\u3081\u8fbc\u307e\u308c\u3066\u3044\u308b\u3002<br \/>\nH3\u898b\u51fa\u3057\u3067\u306e\u8cea\u554f\u5f62\u5f0f\u306e\u4f7f\u7528\uff08\u300cUPI\u8a50\u6b3a\u304b\u3089\u8eab\u3092\u5b88\u308b\u306b\u306f\uff1f\uff09<br \/>\n\u30ea\u30c3\u30c1\u30e1\u30c7\u30a3\u30a2\u306e\u691c\u7d22\u7d50\u679c\u8868\u793a\u3092\u5f37\u5316\u3059\u308b\u305f\u3081\u306e\u30b9\u30ad\u30fc\u30de\u30de\u30fc\u30af\u30a2\u30c3\u30d7\u306e\u8ffd\u52a0<br \/>\n\u643a\u5e2f\u96fb\u8a71\u306e\u8aad\u307f\u3084\u3059\u3055\u3092\u7dad\u6301\u3059\u308b\uff08\u6bb5\u843d\u306e\u9577\u3055\u306f5\u884c\u4ee5\u4e0b\uff09<\/p>\n<p>\u7279\u5b9a\u306e\u696d\u7a2e\u306b\u95a2\u3059\u308b\u8a73\u7d30\u306a\u30c7\u30fc\u30bf\u3084\u30b1\u30fc\u30b9\u30b9\u30bf\u30c7\u30a3\u306b\u3064\u3044\u3066\u306f\u3001\u3088\u308a\u8a73\u7d30\u306a\u5c02\u9580\u30ec\u30dd\u30fc\u30c8\u3092\u3054\u7528\u610f\u3057\u3066\u3044\u307e\u3059\u3002\u30a4\u30f3\u30c9\u306b\u304a\u3051\u308bFinTech\u9769\u547d\u306f\u4f9d\u7136\u3068\u3057\u3066\u6025\u901f\u306a\u30da\u30fc\u30b9\u3067\u9032\u5316\u3057\u3066\u304a\u308a\u3001NPCI\u3084RBI\u304b\u3089\u306e\u653f\u7b56\u66f4\u65b0\u306e\u30a2\u30ca\u30a6\u30f3\u30b9\u3092\u5b9a\u671f\u7684\u306b\u8ffd\u8de1\u3057\u3001\u6700\u65b0\u306e\u52d5\u5411\u3092\u628a\u63e1\u3059\u308b\u3053\u3068\u304c\u671b\u307e\u3057\u3044\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u30a4\u30f3\u30c9\u306e\u6c7a\u6e08\u30b7\u30b9\u30c6\u30e0\u5168\u89e3\u8aac\uff1a1\u3064\u306e\u8a18\u4e8b\u3067\u30b3\u30a2\u69cb\u9020\u3092\u7406\u89e3\u3059\u308b \u306f\u3058\u3081\u306b\uff1a\u30a4\u30f3\u30c9\u306b\u304a\u3051\u308b\u30c7\u30b8\u30bf\u30eb\u6c7a\u6e08\u306e\u53f0\u982d...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-2502","post","type-post","status-publish","format-standard","hentry","category-upi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5168\u89e3\u6790\uff1a\u4e00\u6587\u641e\u61c2\u6838\u5fc3\u7ed3\u6784 - 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