2016 5

1....3 1.1....3 1.2. 2020...3 1.3....3 2....4 2.1....4 2.2....4 2.2.1....4 2.2.2....5 2.3....5 3....6 3.1....6 3.1.1....6 3.1.2....6 3.1.3....6 3.1.4. API...7 3.1.5....7 3.2....7 3.3. ISO20022:...7 3.4. FinTech...8 3.5....8 4....9 4.1....9 4.2....9 4.3. ISO20022...9 4.3.1. ISO20022...9 4.3.2....9 4.3.3....9 4.4. FinTech...9 5....10 5.1....10 5.2....10 5.3....10 5.4....10 5.5. FinTech...11 5.6....11 6....11

3 1. 1.1. 1 IC ATM 1.2. 2020 2020 2020 7 8 2 1.3. 40 1 2000600 2015 3 2016 3 4 E 2020 1 BIS Payment, clearing and settlements systems in Japan 2 2015 12 2020 http://www.boj.or.jp/en/research/brp/ron_2016/ron160121b.htm/ 3 2015 12 4 2016 32016 3

4 2. 2.1. 2 1988 1973 6 9,279 135.6 1.24 5, 6 2 2015 1 640 12.2 1,120 SWIFT 260 8,700 2015 7 2.2.1. 2016 221 RTGS CHATS 20 9 5 2 1988 1973 511 500 2015 1 69,279 6,346,000 135.6 12.2 8:30 21:00 8:30 15:30 2 3 2 500 2015 1 2.2. 2001 2001 RTGS 2015 10 5 1 =0.0091 6 2016 1 29 2015 12 7 SWIFT SWIFT1 2,500

5 2.2.2. STP ERP ISO20022 ISO20022ISO20022 remittance information ISO20022 SWIFT ISO20022 ISO20022 200 ISO20022 2.3. 1973 1 7 5 1 24 7 1 24 7 2

6 3. 3.1. 3.1.1. 1 24 7 365 18 12 20 30 8 5 10 75 24 365 API 4 3.1.2. TPP PSP PSD2 PSR 10 2015 8 11 PSD 2 Visa 3.1.3. ID ID 8 SWIFT - The Global Adoption of Real-Time Retail Payments Systems (RT-RPS) 9 SWIFT Guidelines for the next generation of Real-Time Retail Payments Systems (RT-RPS) 10 www.psr.org.uk

7 3.1.4. API API API API 3.1.5. ISO20022 ISO20022 ISO20022 ISO20022 NZ PNZ ISO20022 ISO20022 11 3.2. DHL Fedex DHL Fedex 3.3. ISO20022: ISO20022 SWIFT 2015 12 gpii ERI=extended remittance information ISO20022 ERI 3 4 1 50 gpii 12 2 3 ID 13 STP 11 PNZ 2015 3 Re-mastering Payments Messaging: A Study of New Zealand s strategic opportunity to adopt the ISO 20022 payments messaging standard ISO20022 ISO20022 12 gpii swift.com/gpii 13 SWIFT Canada Payments Association CPAAdoption of ISO 20022 for Payments and Extended Remittance Information in Canada ERI ISO20022

8 SEPA CHIPS Common Global Implementation CGI Initiative ISO20022 SWIFT SWIFT for Corporates SCORE ISO20022 SCORE CGI CHIPS ISO20022 3.4. FinTech FinTech 2010 2,500 500 14 FinTech 2015 75223 D T SWIFT 15 FinTech FinTech FinTech MAS NRF 2015 MAS 2 2,500 MAS 4 1 16 3.5. RTGS SWIFT Market Infrastructure Resiliency Service MIRS RTGS 3 SWIFT RTGS 2 CHAPS 3 14 2016 Fintech and the evoling landscape: landing points for the industry FinTech 15 SWIFT 2016 4SWIFT 16 https://www.boj.or.jp/paym/fintech/message/index.htm/

9 4. 17 4.1. 21 24 365 4.2. ASEAN 4.3. ISO20022 ISO20022 ISO20022 4.3.1. ISO20022 2018 ISO20022 2020 4.3.2. EDI B2B EDI 4.3.3. 4.4. FinTech 4 1 FinTech FinTech 18 FinTech 17 2016 32015 18 HP https://www.boj.or.jp/paym/fintech/index.htm/

10 5. 5.1. 24 365 2 24 2 2 2 3 API 5.2. 2016 21 ISO20022 2016 3 3 3 5.3. 3 APAC ASEAN FinTech 5.4. ISO20022 ISO20022 ISO20022 ISO20022 SWIFT BIC IBAN

11 5.5. FinTech FinTech API FinTech FinTech 5.6. 2011 3 6. 2020 SWIFT yuji.takei@swift.com SWIFT Micheal Moon michael.moon@swift.com

SWIFT SWIFT SWIFT 200 11,000 SWIFT SWIFT SWIFT www.swift.com Twitter @swiftcommunity LinkedIn SWIFT May 2016 SWIFT 2016