机构研究报告-Fintech in Japan-外文版培训课件

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TRENDSFintechinJapanCHAPTER

01OverviewTradingvolumeofthee-commercepaymentprocessingservicemarketinJapanfromfiscalyear2017to2022withforecastsuntil2027(intrillionJapaneseyen)MarketsizeofECpaymentprocessingserviceinJapanFY2017-20276049.085040302010043.9439.3435.3431.8128.1723.4819.63202016.43201914.16201812.122017202120222023*2024**2025**2026**2027**4Description:Inthefiscalyear2022,thetradingvolumeofprocessingservicesfore-commercepaymentsinJapanamountedtoaround28.17trillionJapaneseyen.Themarketwasforecasttoreachover49trillionyenbyfiscalyear2027.

ReadmoreNote(s):Japan;fiscalyears2015to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;marketsizeisbasedonthetradingvolumeofe-commercepaymentprocessingserviceproviders;[...]

ReadmoreSource(s):YanoResearchBuyNow,PayLatermarketsizeinJapanfromfiscalyear2017to2022withforecastsuntil2027(inbillionJapaneseyen)SizeoftheBuyNow,PayLater(BNPL)marketinJapanFY2017-20273,0002,5002,0001,5002,450.372,145.651,887.161,644.771,428.241,260.931,08220211,0005000879687572440201720182019202020222023*2024**2025**2026**2027**5Description:Inthefiscalyear2022,theBuyNow,PayLater(BNPL)marketinJapanwasestimatedat1.26trillionJapaneseyen.Themarketwasprojectedtoexpandto2.45trillionyenbyfiscalyear2027.

ReadmoreNote(s):Japan;fiscalyears2017to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;marketsizeisbasedontransactionvolumehandledbydeferredpaymentserviceproviders;[...]

ReadmoreSource(s):YanoResearchLeadingfinanceappsinJapanin2024,bydownloads(in1,000s)MostdownloadedfinanceappsinJapanin2024Downloadsinthousands01,0002,0003,0004,0005,0006,0007,0008,000RakutenPay(RakutenGroup,Inc.)PayPay(PayPayCorporation)7,601.416,851.24SumitomoMitsuiCardVpassApp(SumitomoMitsuiCardCompany,Limited)iAEON(AEONSmartTechnologyCo.,Ltd.)4,600.434,091.913,825.17YuchoAuthenticationApp(JapanPostBankCo.,Ltd.)Paidy(Paidy,Inc.)3,517.293,381.03dBarai(NTTDocomo,Inc.)SumitomoMitsuiBankingApp(SumitomoMitsuiBankingCorporation)RakutenCard(RakutenCard,Inc.)3,120.82,851.562,644.712,382.32SumitomoMitsuiCardVPointApp(SumitomoMitsuiCardCo.,Ltd.)auPAY(KDDICorporation)MUFGBank(MUFGBank,Ltd.)RakutenBank-AppforIndividualCustomers(RakutenBank,Ltd.)2,250.992,205.766Description:In2024,RakutenGroup'scashlesspaymentappRakutenPaywastheleadingfinanceapplicationinJapan,with7.6milliondownloads.PayPayCorporation'spaymentappPayPayfollowedwitharound6.9milliondownloads.

ReadmoreNote(s):Japan;2024;20leadingappsavailableforfreeSource(s):AppMagicValueofinvestmentdealsinthefintechsectorinJapanfrom1stquarter2020to4thquarter2024(inmillionU.S.dollars)ValueoffintechinvestmentdealsinJapanQ12020-Q42024Q1Q2Q3Q41,0009008007006005004003002001000991641298288278837720530118121201318842152361156332202420202021202220237Description:Inthefourthquarterof2024,fintechinvestmentdealsinJapanamountedto88millionU.S.dollars.ThelargestamountofinvestmentdealsintheJapanesefintechsectorwasrecordedinthefirstquarterof2021at318milliondollars.

ReadmoreNote(s):Japan;Q12020toQ42024Source(s):CBInsightsNumberofinvestmentdealsinthefintechsectorinJapanfrom1stquarter2020to4thquarter2024NumberoffintechinvestmentdealsinJapanQ12020-Q42024Q1Q2Q3Q41401201008025292521222921171960202227182940292035242316140202020212022202320248Description:Inthefourthquarterof2024,around22fintechinvestmentdealswererecordedinJapan.ThelargestnumberofinvestmentdealsintheJapanesefintechsectorwasrecordedinthefirstquarterof2022.

ReadmoreNote(s):Japan;Q12020toQ42024Source(s):CBInsightsLeadingequityinvestmentdealsinthefintechsectorinJapanin4thquarter2024(inmillionU.S.dollars)MajorequityinvestmentdealsinfintechinJapanQ42024RoundamountinmillionU.S.dollars10

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20052530353540Upsider(SeriesD)SmartBank(SeriesB)Habitto(SeriesA)1912LeanerTechnologies(SeriesB)Tradom(SeriesA)1033miive(SeriesB)9Description:Inthefourthquarterof2024,theJapanesefintechcompanyUpsiderraised35millionU.S.dollarsinequityfinancinginaSeriesDfundinground.ThiswasthelargestequitydealofthequarterinJapan'sfintechsector.ItwasfollowedbySmartBank'sSeriesBfundingdealof19milliondollars.ReadmoreNote(s):Japan;Q42024Source(s):CBInsightsCHAPTER

02OnlineandmobilebankingDistributionofpaymentsfromindividualbankaccountsinJapanin2023,bytypeDistributionofpaymentsfrombankaccountsinJapan2023,bytypeShareofpayments10%

15%0%5%20%25%30%35%40%45%42.4%Cash(ATMwithdrawals,etc.)Creditcardpayments,etc.(directdebit)Other(directdebit)15.6%15.5%Paymentsviaonlinebanking(banktransfers)Other(banktransfers)13.1%6.6%PaymentsviaATMs(banktransfers)Publicutilitycharges*(directdebit)Debitcardpayments(directdebit)PayEasy**4.3%1.6%0.5%0.4%11Description:In2023,cashaccountedfor42.4percentofpaymentsfromindividualbankaccountsinJapan.Creditcardsaccountedforthelargestshareofcashlesspayments,at15.6percent.Theshareofcashlesspaymentsfrombankaccountsincreasedto57.6percentandwasslightlyhigherfromaccountsthroughwhichindividualsreceivedsalaries.ReadmoreNote(s):Japan;2023;salaryaccountsofsixbanksSource(s):JapaneseBankersAssociationValueofonlinebankingtransactionsfromindividualbankaccountsofmajorbanksinJapanfrom2022to2023(intrillionJapaneseyen)ValueofonlinebankingtransfersfromaccountsofmajorbanksinJapan2022-20234037.37353025201510532.402022202312Description:In2023,onlinebankingtransactionsfromindividualaccountsofmajorbanksinJapanamountedto37.4trillionJapaneseyen.Thevalueincreasedfrom32.4trillionyeninthepreviousyear.ReadmoreNote(s):Japan;2022to2023;accountsofsixbanksSource(s):JapaneseBankersAssociationPercentageofonlinebankingtransactionsfromindividualbankaccountsofmajorbanksinJapanfrom2022to2023ShareofonlinebankingtransfersfromaccountsofmajorbanksinJapan2022-202314%13.1%11.8%12%10%8%6%4%2%0%2022202313Description:In2023,onlinebankingtransactionsaccountedfor13.1percentofthetotalvalueofpaymentsandwithdrawalsmadefromindividualaccountsofmajorbanksinJapan.Thesharerosefrom11.8percentinthepreviousyear.

ReadmoreNote(s):Japan;2022to2023;accountsofsixbanksSource(s):JapaneseBankersAssociationShareofconsumerswhohaveusedonlineandmobilebankingtopayforonlinepurchasesinthepastyearinJapanin2023,byagegroupOnlinebankingusageamongdigitalbuyersinJapan2023,byagegroup30%26.1%25.4%24.5%25%20%15%10%5%22.7%19.4%14.9%12.4%6.5%0%15to19years20to29years30to39years40to49years50to59years60to69years70to79years

80yearsandolder14Description:AccordingtoasurveyconductedinJapanin2023,around26.1percentofrespondentsintheirfiftieshadusedonlineandmobilebankingtopayforonlinepurchasesoronlinefinancialtransactionsmadeinthepastyear.Whilecreditcardswerethemostꢀpopularpaymentmethod,around22percentofrespondentshadusedonlineandmobilebankingmethodstopayforgoodsandservicesboughtonline.Onlinebankingusagewasmoreprevalentamongmaleconsumers.

ReadmoreNote(s):Japan;August2023;16,775*;15yearsorolder;postalquestionnaireande-mailsurvey;*Samplesizeafterweightadjustments.Agedistributionofthesample:15to19years:n=70320to29years:n=2,66030to39years:n=3,02740to49[...]

ReadmoreSource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)LargestdirectbanksinJapaninSeptember2023,bydeposits(inbillionJapaneseyen)LargestdirectbanksinJapan2023,bydepositsDepositamountinbillionJapaneseyen01,0002,0003,0004,0005,0006,0007,0008,0009,00010,0009,55011,000RakutenBankSBISumishinNetBankDaiwaNextBankSonyBank8,642.64,4423,804.8auJibunBank3,046.5PayPayBank1,693.3GMOAozoraNetBankUIBank521468.3MinnaBank

26.115Description:AsofSeptember2023,RakutenBankwasthelargestdirectbankbasedondepositsinJapan,withdepositsamountingtoaround9.6trillionJapaneseyen.SBISumishinNetBankfollowedwith8.6trillionyenindeposits.ReadmoreNote(s):Japan;September2023Source(s):SCBResearchInstituteCHAPTER

03DigitalpaymentsRatioofcashlesspaymentsinJapanfrom2014to2023CashlesspaymentratioinJapan2014-202345%40%39.3%36%35%32.5%29.7%30%25%20%15%10%26.8%24.1%21.3%201720%18.2%201516.9%2014201620182019202020212022202317Description:In2023,cashlesspaymentsaccountedforaround39.3percentoftheprivatefinalconsumptionexpenditureinJapan.Thecashlesspaymentratioincreasedby3.3percentagepointsyearonyear.

ReadmoreNote(s):Japan;2014to2023Source(s):METI(Japan);VarioussourcesDistributionofthecashlesspaymentvalueinJapanfrom2017to2023,bypaymentmethodDistributionofthecashlesspaymentvalueinJapan2017-2023,bypaymentmethodCreditcardpaymentsDebitcardpaymentsElectronicmoneypaymentsQRcodepayments120%100%80%60%40%20%0%0.2%1.2%3.7%5.6%6.3%8%7.5%7%7.1%5.5%8.6%5.1%7%1.7%1.8%2.1%2.5%2.8%2.9%2.9%90.2%90.7%89.7%86.8%85.3%84.5%83.5%201720182019202020212022202318Description:In2023,creditcardpaymentsaccountedfor83.5percentofthevalueofcashlesspaymentsinJapan.TheshareofQRcodeandbarcodepaymentsreached8.6percent.

ReadmoreNote(s):Japan;2017to2023;basedonthenumberofpaymentsSource(s):METI(Japan);VarioussourcesDistributionofthecashlesspaymentvolumeinJapanfrom2019to2023,bypaymentmethodDistributionofthecashlesspaymentvolumeinJapan2019-2023,bypaymentmethodCreditcardpaymentsDebitcardpaymentsElectronicmoneypaymentsQRcodepayments120%100%80%60%40%20%0%4.3%12.5%19.4%23.9%27.3%33.1%1.8%27.1%2.3%22.8%2.5%19.9%2.5%18%2.5%60.7%201958.1%55.3%202153.7%202252.2%2023202019Description:In2023,creditcardpaymentsaccountedfor52.2percentofthenumberofcashlesspaymentsinJapan.Theshareofcreditcardsandelectronicmoneypaymentshasdeclinedsince2019,whiletheshareofQRcodeandbarcodepaymentshasincreasedsignificantlyinthesameperiod.ReadmoreNote(s):Japan;2019to2023;basedonthenumberofpaymentsSource(s):PaymentsJapan;VarioussourcesValueofmoneytransfersviafundtransferserviceprovidersinJapanfromfiscalyear2014to2023(inbillionJapaneseyen)Amountofnon-bankmoneytransfersinJapanFY2014-202312,00010,0008,00010,614.557,575.686,0005,467.863,995.554,0002,307.852,00001,347.2920181,087.762017748.162016547.982015421.6220142019202020212022202320Description:Inthefiscalyear2023,moneytransfersconductedviafundtransferserviceprovidersinJapanamountedtoaround10.6trillionJapaneseyen,reachingadecadehigh.Fundtransferserviceprovidersarenonbankcompaniesthatrepresentanalternativetotraditionalmoneytransferservices.ReadmoreNote(s):Japan;fiscalyear2014to2023;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):FinancialServicesAgency(Japan);JapanPaymentServiceAssociationUsagerateofBuyNow,PayLater(BNPL)servicesinJapanfromApril2022toApril2024UsagerateofBuyNow,PayLaterservicesinJapan2022-202416%14%12%14%13%11%10%8%6%4%2%0%April2022April2023April202421Description:InasurveyconductedinApril2024,around13percentofrespondentsinJapanreportedusingBuyNow,PayLater(BNPL)services.Thesharedeclinedfrom14percentinApril2023.

ReadmoreNote(s):Japan;April2022toApril2024;20,000*;16-69years;*SampleofsurveyconductedbetweenApril5to7,2024.

Sampleofprevioussurveys:

April2023:n=20,000

April2022:n=20,000

Figuresreflecttheshareofrespondentswhostated[...]

ReadmoreSource(s):InfcurionUsagerateofsmartphone-basedmoneyandsettlementservicesinJapanasofDecember2023UsageofmobilemoneyandpaymentservicesinJapan2023Shareofrespondents10%

20%0%30%40%50%60%70%80%Smartphonepayments73%Onlinebankingservices(onlinetransactionsatfinancialinstitutions)MoneytransferservicesviasmartphonebetweenindividualsOnlineinvestmentservices35%26%12%11%DeferredpaymentservicesOnlinehouseholdbudgetandassetmanagementservicesMoneyborrowingservices(forindividuals)None7%2%12%Notawareofanyservices/applications7%22Description:AccordingtoasurveyconductedinDecember2023,smartphonepaymentservicesweretheleadingtypeofpaymentserviceinJapan.Whilearound73percentofconsumersreportedusingmobilepaymentapps,overone-thirdofrespondentsconductedtransactionsviaonlinebankingservices.ReadmoreNote(s):Japan;December13to15,2023;43,954respondents;18-69years;mobilewebsurveyamongLINEusers;multipleanswerspossibleSource(s):LINEResearchCHAPTER

04CryptocurrencyValueoftransactionswithcryptocurrencyinJapanfromfiscalyear2016to2023,bytypeoftrading(intrillionJapaneseyen)CryptocurrencytradingvalueinJapanFY2016-2023,bytradingtypeSpottradingMargintrading*1401201008097.366076.5337.1869.214056.432014.910.02202228.5120215.5811.3520.61202012.7120179.417.661.98201601.5420182019202324/statistics/1279096/japan-cryptocurrency-transaction-value-by-trading-typeInthefiscalyear2023,thetradingvalueofcryptoassetsinJapanamountedtoover16.9trillionJapaneseyen.Thespotmarketreachedatransactionvalueofabout11.4trillionJapaneseyenwhilethemargintradingvalueamountedto5.6trillionyen.ReadmoreNote(s):Japan;fiscalyear2016to2023;thefiscalyearsstartedApril1ofthestatedyearandendedMarch31ofthefollowingyear;*Notionalamount.

FiguresforFY2023arebasedon32JapanVirtualandCryptoassetsExchangeAssociation[...]

ReadmoreSource(s):JVCEANumberofactivecryptoassetaccountsinJapanfrom2018to2023(inmillions)NumberofactivecryptoassetaccountsinJapan2018-20236545.163.723.2132.372.012101.620182019202020212022202325Description:Asoftheendof2023,thenumberofactivecryptoassetaccountsinJapanreachedaround5.16million,upfrom3.72millioninthepreviousyear.Thetotalnumberofaccountssetupexceededeightmillioninthesamemonth.

ReadmoreNote(s):Japan;2018to2023;asoftheendofDecembereachyearSource(s):JVCEADistributionofindividualcryptoassetaccountssetupinJapaninfiscalyear2023,bygenderandageGenderandagedistributionofcryptoassetaccountholdersinJapanFY2023MaleFemale35%31.3%29.26%30%25%20%15%10%5%28.61%26.51%20.13%16.5%16.12%12.52%8.31%5.69%2.78%1.42%0.21%

0.12%10to19years0.17%

0.37%0%20to29years30to39years40to49years50to59years60to69years70to79years80yearsorolder26Description:Asoftheendofthefiscalyear2023,individualsintheirthirtiesaccountedforthelargestshareofmaleandfemalecryptoassetaccountholdersinJapan.Themajorityofcryptoaccountholdersweremen.

ReadmoreNote(s):Japan;fiscalyear2023;thefiscalyearstartedApril1ofthestatedyearandendedMarch31ofthefollowingyearSource(s):JVCEACryptocurrencieslistedoncryptoexchangesinJapanasofJanuary2025,bynumberofexchangesCryptocurrenciesmostfrequentlylistedoncryptoexchangesinJapan2025Numberofcryptoexchanges10

150520253035Bitcoin(BTC/XBT)Ethereum(ETH)2929BitcoinCash(BCC/BCH)Litecoin(LTC)221919XRP(XRP)Polkadot(DOT)16Cardano(ADA)StellarLumens(XLM)Avalanche(AVAX)1313121212Dogecoin(DOGE)PolygonEcosystemToken(POL/MATIC)Dai(DAI)11BasicAttentionToken(BAT)1027Description:AsofJanuary2025,transactionswithBitcoinandEthereumwereofferedby29crypto-assetexchangeserviceprovidersandfinancialinstrumentsbusinessoperatorsinJapan,makingthemthemostfrequentlyofferedcoins.Atotalof102differentvirtualcoinswereofferedinJapan.ReadmoreNote(s):Japan;January20,2025Source(s):JVCEANumberofcrypto-assetshandledbycrypto-assetexchangeserviceprovidersinJapanasofAugust2024CryptocurrencyexchangesinJapan2024,bynumberoflistedcoinsNumberofcrypto-assets20

30010405060BinanceJapanInc.BitTradeInc.5543OKCoinJapanK.Kbitbank,inc.4238bitFlyer,Inc.3333Coincheck,Inc.DMMBitcoinCo.,Ltd.GMOCoin,Inc.BITPointJapanCo.,Ltd.ZaifInc.28272524SBIVCTradeCo.,Ltd.MercuryInc.2319CustodiemK.K.1628Description:AsofAugust2024,BinanceJapanInc.handledthelargestnumberofcryptocurrenciesinJapan.Thecrypto-assetexchangeoperatoroffered55differentcoins.BitTradeInc.followed,with43coinslisted.

ReadmoreNote(s):Japan;August31,2024Source(s):FinancialServicesAgency(Japan)UsageofcryptocurrenciesamongindividualinvestorsinJapanasofJuly2024CryptoassetutilizationamongretailinvestorsinJapan202470%60%50%40%30%20%64.3%15.8%11.1%8.9%10%0%AlreadyuseitWanttouseitDonotwanttouseitDonotknow29Description:Inasurveyconductedin2024,around11.1percentofprivateinvestorsinJapanreportedusingcryptocurrencies.While8.9percentwereinterestedinusingvirtualcurrencies,themajorityofrespondentssaidtheydidnotwanttousethem.

ReadmoreNote(s):Japan;July12to15,2024;5,000respondents;20yearsandolder;amongindividualinvestorsholdingstocks,investmenttrusts,and/orpublicbondsSource(s):DentsuMacromillInsight;JapanSecuritiesDealersAssociationCHAPTER

05DigitalinvestmentShareofsecuritiescompaniesofferingonlinebrokerageservicesinJapanfrom2015to2024ShareofsecuritiescompaniesofferingonlinetradinginJapan2015-202438%36%34%32%35.6%34%33.7%33.5%32.3%29.5%30%28.1%28%26%24%22%20%27.2%26.1%201624.2%20152017201820192020202120222023202431Description:AccordingtoasurveyconductedinMarch2024,around35.6percentofsecuritiescompaniesinJapanofferedonlinebrokerageservices.Theshareofsecuritiesfirmsprovidingonlinetradingservicesincreasedcomparedtothepreviousyear.

ReadmoreNote(s):Japan;2015to2024;asofMarcheachyear;267*;amongmembersoftheJapanSecuritiesDealersAssociation;*Samplesizeofprevioussurveys:

2023:n=2692022:n=2682021:n=2642020:n=2632019:n=2612018:n=2602017:n=257

ReadmoreSource(s):JapanSecuritiesDealersAssociationOnlinetradingasashareofthetotalstocktradingvalueatsecuritiescompaniesinJapanfromOctober2016toSeptember2024ShareofstocktradingconductedonlineatsecuritiescompaniesinJapan2016-202440%35%30%35.5%35.3%24.8%24.9%24.7%24.9%24.9%24%23.8%25%20%15%22.9%21.7%21.1%20.9%20.5%19.8%19.1%Oct2016

Apr2017

Oct2017

Apr2018

Oct2018

Apr2019

Oct2019

Apr2020

Oct2020

Apr2021

Oct2021

Apr2022

Oct2022

Apr2023

Oct2023

Apr2024toMar2017toSep

toMar2017

2018toSep

toMar2018

2019toSep

toMar2019

2020toSep

toMar2020

2021toSep

toMar2021

2022toSep

toMar2022

2023toSep

toMar2023

2024toSep202432Description:InthesixmonthsfromApriltoSeptember2024,thevalueofonlinestocktradingatsecuritiescompaniesinJapanaccountedfor35.3percentofthetotalvalueofstocktrading.Thesharedeclinedfrom35.5percentintheprevioussixmonths.

ReadmoreNote(s):Japan;October2016toSeptember2024;94*;amongmembersoftheJapanSecuritiesDealersAssociationthatofferonlinetradingaccounts;stocksincludingREITsandETFs;*Samplesizeofprevioussurveys:

Oct2023toMar2024:n=95[...]

ReadmoreSource(s):JapanSecuritiesDealersAssociationNumberofonlinebrokerageaccountsatsecuritiescompaniesinJapanfrom2017to2024(inmillions)NumberofonlinetradingaccountsatsecuritiescompaniesinJapan2017-2024AccountswithremainingbalancesTotal50454035302520151045.4627.714138.2222.8133.4720.3429.5818.2826.9317.1924.9416.325.1123.3315.642017201820192020202120222023202433Description:InMarch2024,securitiescompaniesinJapanrecordedaround45.5milliononlinebrokerageaccounts.Thenumberofaccountswithremainingbalancesreached27.7million,increasingbymorethantwomillioncomparedtothepreviousyear.

ReadmoreNote(s):Japan;2017to2024;asofMarcheachyear;95*;amongmembersoftheJapanSecuritiesDealersAssociationthatofferonlinetradingaccounts;accountswithremainingbalancesincludecorporateclientaccounts;*Samplesizeofprevious[...]

ReadmoreSource(s):JapanSecuritiesDealersAssociationDistributionofonlinebrokerageaccountsatsecuritiescompaniesinJapanasofSeptember2024,byagegroupAgedistributionofonlinetradingaccountsatsecuritiescompaniesinJapan202425%21.3%19.7%20%15%10%5%16%15.3%11.7%7.2%5.8%2.9%0%19yearsoryounger20to29years30to39years40to49years50to59years60to69years70to79years80yearsorolder34Description:AsofSeptember2024,customersintheagegroupof50to59yearsaccountedforaround21percentofonlinebrokerageaccountswithremainingbalancesatsecuritiescompaniesinJapan.Accountholdersintheirtwentiesaccountedforashareof7.2percent.ReadmoreNote(s):Japan;September2024;94respondents;amongmembersoftheJapanSecuritiesDealersAssociationthatofferonlinetradingaccounts;accountswithremainingbalancesSource(s):JapanSecuritiesDealersAssociationUsageofrobo-advisoryservicesamongindividualinvestorsinJapanasofJuly2024Robo-advisorutilizationamongretailinvestorsinJapan202445%40%35%30%25%20%15%41.6%28.1%24.6%10%5.7%5%0%AlreadyuseitWanttouseitDonotwanttouseitDonotknow35/statistics/1370371/japan-private-investors-robo-advisory-usageInasurveyconductedin2024,around5.7percentofprivateinvestorsinJapanreportedusingrobo-advisoryservices.While24.6percentwereinterestedinutilizingrobo-advisors,themajorityofrespondentsdidnotwanttousetheFinTechservice.

ReadmoreNote(s):Japan;July12to15,2024;5,000respondents;20yearsandolder;amongindividualinvestorsholdingstocks,investmenttrusts,and/orpublicbondsSource(s):DentsuMacromillInsight;JapanSecuritiesDealersAssociationUsageofsecuritytokensamongindividualinvestorsinJapanasofJuly2024SecuritytokenutilizationamongretailinvestorsinJapan202450%45%40%35%30%25%20%15%10%44.6%39.2%13.5%5%0%2.7%AlreadyuseitWanttouseitDonotwanttouseitDonotknow36Description:Inasurveyconductedin2024,lessthanthreepercentofprivateinvestorsinJapanreportedusingsecuritytokens.About13.5percentwereinterestedinutilizingsecuritytokens,while44.6percentofrespondentsdidnotwanttousethem.

ReadmoreNote(s):Japan;July12to15,2024;5,000respondents;20yearsandolder;amongindividualinvestorsholdingstocks,investmenttrusts,and/orpublicbondsSource(s):DentsuMacromillInsight;JapanSecuritiesDealersAssociationCHAPTER

06ConsumerperspectiveShareofconsumerswhohaveconductedfinancialtransactionsonlineinthepastyearinJapanin2023,byagegroupandgenderInternetusageforfinancialtransactionsinJapan2023,byagegroupandgenderMalerespondents43.5%Femalerespondents42.5%50%45%40%35%30%25%20%15%10%5%40.8%35.3%33.2%30.3%28.6%28.4%28.1%19.7%16.8%12.9%7.1%6.2%4.8%4.4%0.5%0%0%6to12years13to19years20to29years30to39years40to49years50to59years60to69years70to79years80yearsandolder38Description:AccordingtoasurveyconductedinJapanin2023,theshareofrespondentswhohadusedtheinternetforfinancialtransactionsinthepastyearwasthehighestamongmenintheirthirties,at43.5percent.Theshareofmalerespondentswhohadconductedbanking,securities,orinsurancetransactionsonlinewashigherinmostagegroups.ReadmoreNote(s):Japan;August2023;28,516*;sixyearsorolder;amongrespondentswhohaveusedtheinternetinthepastyear;postalquestionnaireande-mailsurvey;*Surveysampleafterweightadjustments.Including14,266maleand14,250female[...]

ReadmoreSource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)UsageofdigitalwagepaymentsinJapanasofDecember2023UsageofdigitalwagepaymentsinJapan202360%48.2%50%40%30%20%10%0%36.9%8.9%5.2%0.7%CurrentlyusingitWanttouseitDonotwanttouseitDonotknowNoanswer39Description:Accordingtoasurveyconductedin2023,lessthanonepercentofpeopleinJapanreceivedtheirwagesdigitally.Aroundninepercentwantedtousedigitalwagepayments.SinceApril2023,employersareallowedtomakewagepaymentsdigitallyviapaymentsapps.ReadmoreNote(s):Japan;November17toDecember