問18
頻出度★★☆
銀行などの預金者の資産を, AI が自動的に運用するサービスを提供するなど, 金融業において IT 技術を活用して, これまでにない革新的なサービスを開拓する取組を示す用語はどれか。
令和元年度 秋期 ITパスポート試験 問18
ストラテジ系ビジネスインダストリ › e-ビジネス
This question's explanation and your answers so far.
解説
問 18
Incorrectア
FA stands for Factory Automation, referring to efforts that automate production lines with robots and control equipment. It belongs to the manufacturing field, not the financial industry, and is unrelated to the question.
- イ
正解 The correct answer is “イ”, FinTech. FinTech is a coined word combining Finance and Technology, and it refers to efforts that use IT in the financial industry to create innovative services that did not exist before. The service in the question, in which AI automatically manages depositors’ assets (a robo-advisor), is a prime example; other things included in FinTech are smartphone payments, cryptocurrency, cloud accounting, and online loan screening. Therefore, “イ” is the correct term for innovation that combines finance and IT.
Incorrectウ
OA stands for Office Automation, referring to improving the efficiency of office work using PCs and office equipment. It is a general concept of office efficiency not limited to the financial industry, and it is not a term for innovative financial services.
Incorrectエ
The sharing economy is an economic model in which individuals lend out and share their idle assets (spare rooms, cars, skills, and so on) with others via the Internet. It is not an IT-innovation effort specialized for the financial industry, so it is incorrect.
ここがポイント
- FinTech = Finance + Technology. It refers to efforts that use IT in the financial industry to create unprecedented, innovative services such as AI-based automated asset management, smartphone payments, and cryptocurrency.
- Distinguishing confusable terms: FA = factory automation, OA = office automation, sharing economy = sharing idle assets. Separate them by field and target.
用語