問4
頻出度★★☆
従来の金融情報システムは堅ろう性が高い一方, 柔軟性に欠け, モバイル技術などの情報革新に追従したサービスの迅速な提供が難しかった。これを踏まえて, インターネット関連技術の取込みやそれらを活用するベンチャー企業と組むなどして, 新たな価値や革新的なサービスを提供していく潮流を表す用語として, 最も適切なものはどれか。
令和6年度 ITパスポート試験 問4
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 4
Incorrectア
Omni-channel is a retail and marketing concept that integrates multiple sales and contact channels such as physical stores, e-commerce sites, apps, and social media so that customers get a consistent purchasing experience through any route. Its target domain differs from the stem's focus on finance-meets-IT innovation, so it is inappropriate.
- イ
正解 Choice イ, FinTech, is a coined word combining Finance and Technology. It refers to innovative financial services created by utilizing IT and Internet-related technologies, as well as the trend that drives them. The stem describes the movement of incorporating Internet technology into the robust yet inflexible traditional financial system and partnering with startups to provide new value and innovative services, which exactly matches the definition of FinTech. Typical examples include smartphone payments and transfers, household-budgeting apps, robo-advisors, and crypto-asset trading. The answer is イ.
Incorrectウ
Blockchain is the technology (an elemental technology) itself that links transaction data block by block and manages it in a distributed manner. Although it is one of the foundations supporting FinTech, such as crypto-assets, it is not a term that expresses the trend (a movement or concept) of fusing finance and IT to provide new services, which the stem asks for. It is a technology name one level lower in granularity, so it is inappropriate.
Incorrectエ
One-to-One Marketing is a marketing technique that runs individually optimized promotions tailored to each customer's attributes and purchase history. Its focus is on individualizing customer engagement, which is unrelated to the stem's context of IT innovation in financial services, so it is inappropriate.
ここがポイント
- FinTech = Finance + Technology. A term referring to the trend of bringing IT and Internet technology into finance and producing innovative financial services, including through collaboration with startups.
- For a question asking for a term that expresses a trend or concept, the key is not to confuse it with the name of a specific elemental technology like blockchain, or with retail/marketing techniques like omni-channel or one-to-one.
用語