2026-03-09T05:55:06Z https://chuo-u.repo.nii.ac.jp/oai

oai:chuo-u.repo.nii.ac.jp:02000576 2024-01-31T01:24:14Z 261:1703494410140

キャッシュレス新時代におけるクレジットカード事業の新構想 New Concepts for the Credit Card Business in the New Cashless Era 丹沢,安治 タンザワ,ヤスハル TANZAWA,Yasuharu この資料の著作権は、資料の著作者または学校法人中央大学に帰属します。著作権法が定める私的利用・引用を超える使用を希望される場合には、掲載誌発行部局へお問い合わせください。 キャッシュレス決済 クレジットカード QR コード プラットフォームビジネス エコシステム 非市場戦略 Cashless payments Credit cards QR codes Platform business Ecosystem Non-market strategies application/pdf Credit cards, in general, are Japanʼs primary cashless payment method. However, recently, several steps toward other cashless payment methods, such as the adoption of quick response (QR) code payments with government support, use of various authentication methods due to advancements in digital experience, and prevalance of the “buy now, pay later” option in online shops, have been proposed. These new payment methods are showing higher growth rates than credit cards. Therefore, this study examined the strategic trends of credit card companies using published reports and interviews by three credit card operators with the cooperation of the Japan Credit Association. We found three competing relationships: First, competition exists between cash and cashless payments; second, competition exists between different business models under cashless payments, including traditional credit cards, e-money, and QR code payments; and third, competition arises in the most conventional sense among individual companies or groups of companies adopting their respective cashless payment method. The findings indicate, while cashless payments (as a whole) are steadily rising, the companies are attempting to set up new cashless payment businesses as a group to compete with cash payments. 中央大学政策文化総合研究所 2023-09-30 jpn departmental bulletin paper VoR https://chuo-u.repo.nii.ac.jp/records/2000576 1344-2902 政策文化総合研究所年報 26 3 25 https://chuo-u.repo.nii.ac.jp/record/2000576/files/1344-2902_26_3-25.pdf