On July 15, Smart Bank started providing a "pair account" function that allows you to manage living expenses in collaboration with your partner in the household account book Prica "B/43 (Beyon Sun)".
B/43 is a cashless payment app for "spending money within the scope of the living expenses determined in advance."A service that integrates the function of the household account book and the Visa prepaid card, and can automatically register the amount paid with a dedicated card in the household account book.
Payments are reflected in the app in real time and can be classified by store and expenses.We have a report function that summarizes the contents of expenditures every month, and you can easily grasp "when, where and how much you used".
There is also a function called "pocket" that allows the budget for each purpose to be used.For example, you can set a budget for each purpose, such as eating out and entertainment expenses, and can be used from within that range.
B/43は支払い内容が自動で家計簿になるVisa プリペイドカードだ支払った内容をアプリで把握し、使い過ぎを防げる使う目的別でお金を管理できるポケット機能Registration and use of services are in principle free, and there is no annual membership fee.At this time, only iPhone apps are available, but will also provide an app for Android in the future.
If you register with the app, a VISA brand prepaid card will be issued and you can use it for payment at VISA member stores within the deposit of the balance.Payment supports ATMs, bank transfer, and convenience store payments.The payment function of B/43 also supports VISA online payments such as Mobile Suica charge.However, it cannot be used for payment that does not support prepaid, such as monthly contracts for mobile charges and utility bills.Also, no point program is provided.
The pair account of the new functions provided from July 15 is a function that can use VISA prepaid cards by setting an account to be managed in collaboration with a partner.If you set the pair in the app, a pair account will be registered separately from the personal account, and a VISA prepaid card for pair account will be issued separately.
ペアカードは2人で使える支払い口座。個人用とは別のプリペイドカードが発行されるIn fact, it can be registered in a pair account other than married couples, such as marriage, same -sex partners, and parents and children.For example, the two co -living can use a pair account when managing monthly expenditures.The balance that has been transferred to the pair account can be exchanged between the two personal accounts.It is a mechanism that can also be used for replacing between the two.
ペア登録はアプリ上で簡単に設定できるSmart Bank is a startup company founded in January 2020, and B/43 is the first service that was just launched this April.Smart Bank's CEO Shota Horii, CTO Yuta Horii, and CXO Takejune are also members who launched FABLIC in 2012 and launched the flea market app "FRIL".
スマートバンク CEOの堀井翔太氏
When Fablic was acquired by Rakuten in 2016, Horii joined the Rakuten Group and served as a representative until 2018.Mr. Horii has left Rakuten Group and has been searching for a new service with the integration of Rakuten's flea market app "Rakuma" and frills.It was said that cashless payment arrived while planning a new service concept.
スマートバンクは創業メンバー3人が2012年に立ち上げたフリマアプリ「FRIL」Mr. Horii looks back at the frill and says, "I realized that the essence of the flea market app was" Fintech to convert things into money. "He said he investigated overseas, which had a high ratio of cashless payments to explore the needs of the next service.
He focused on the UK.Although the UK is the same island country as Japan, the ratio of cashless payments has grown significantly in 10 years until 2016.I flew to the UK and saw the sight of credit card touch payments.Not only can it be used at stores and public transportation, but also supports touch payments from share cycles, donation boxes, and amusement parks, and says, "There was no scene to live in cash" (Mr. Horii).
堀井氏が訪れた英国は、遊園地の遊具までキャッシュレス対応となっていたHorii, who was convinced of the possibility of cashless payment in the UK, concepts a service that can manage living expenses in the app.And "B/43" was completed.The service name B / 43 has the meaning of "ballance (balance) / 43 (budget)" and "budget (budget) / 43 (asset)".
At the start of the service, the company raised 1 billion yen from nine companies, including global brain, ANRI, and BEENEXT.Acquisition of license for the Type 2 fund transfer business.
スマートバンクは2020年に9社から10億円を調達しているB/43 will be later in both the household account book application and the payment app.Money Forwards and Freee are ahead of household account book services, and new players such as PayPay, Melpei, Kyash, and 6GRAM are in the payment market one after another.Among them, B/43 aimed at "users who manage expenditures in cash."Assuming users with relatively low IT literacy, it was designed to focus on ease of use.
日本の現状を調査したところ、現金で毎月の支出を管理している人も多く存在したというIn particular, the household account book function has been narrowed down to the content specialized in "management of expenditures", and has eliminated the "difficulty" that is common as a household account application as much as possible.We do not dare to provide any credit cards and coordination with bank accounts, so that only spending with dedicated prepaid cards is displayed.The bookkeeping to the household account book is assumed to be automated, and the specifications at the time of release omit the functions that are manually booked.
ユーザー体験へのこだわりがB/43の強みだThe UI is designed with consciousness so that anyone can use it.The use of E-KYC has been simplified, such as a mechanism that completes identity verification with a smartphone alone, and is simplified.Although it is a prepaid card, it is also devised so that it can be used in a sense close to a bank account.We prepared a function to bring out the balance as cash, and set the cash drawer at the Seven Bank ATM to twice a month.
The B/43 payment method is initially provided with only VISA brand prepaid cards, but are preparing to be able to respond to "Visa touch payment" soon.The Apple Pay will also be able to respond with VISA touch payment.
支払い手段はプラスチックカードのみだが、非接触決済への対応は積極的に進める方針The Android version is also called "Moretsu" (Mr. Horii), and is expected to provide services in 2021 as early as 2021.Android plans to support Visa touch payments through Google Pay.
The smart bank is B/43, aiming to increase the number of card issuance first, and plans to gradually expand the business area in the future.
The company is a VISA prepaid card card issuer (Ishur), and the payment fee obtained from the member stores at the time of Visa member stores will be on sale.However, since this fee is not large, it seems that another source of revenue is required for stable service operation.The provision of asset management services may function as a new source of revenue.
"Now we have started from a niche position of managing life expenditures, but we also want to develop services that operate the balance we have accumulated by reducing expenditures."The company has shown a policy to expand its services from living expenses management to asset management and asset management.
As a specific measure for monetizing, Mr. Horii also announced postpayment and billing elements.The monthly billing is considering the upper limit of "pockets" for each purpose account and the introduction of insurance services.The company plans to gradually expand from the current expenditure management.Starting with expenditure management between partners announced on July 15, a prepaid account for children, small business funding such as side jobs and freelancers, as well as a group of people, including friends and work colleagues.The company plans to expand the target, such as the management of expenditures.
「給与のデジタル払い」への対応も予定しているHe is also eager to respond to the "digital payment of salary", which is being discussed for the government.Digital payment of salary is a policy that allows a part of the salary to be paid by the balance of the payment application, and is being discussed as a part of the promotion of cashless payments.When this law is revised, the company aims to develop a prepaid card "payrol card" that can deposit salary.