FINOLAB RESEARCH is a research organization aimed at collecting, analyzing, and explaining information
related to financial business and advanced technologies that will support the business development of
FINOLAB community members. It also strives to disseminate information that contributes to the
expansion of Japan's FinTech ecosystem both domestically and internationally.

CONTENTS
FINOLAB COLUMN
We provide articles explaining trends in FinTech through contributions to the FinTech Journal.
FinTech Topics
The 「FINOLAB CHANNEL」 on YouTube features videos that delve into the latest trends in FinTech.
Various Reports
We conduct in-depth analyses on distinct themes, including specific cases of innovation, fundraising trends, and projections for future societies.
Research Resources
We curate a selection of links to articles, reports, blogs, newsletters, and informational resources, offering valuable references for our audience.
Head of FINOLAB

Makoto Shibata
Head of FINOLAB, Chief Community Officer
Makoto Shibata has been leading FINOLAB since its inception, leveraging his extensive background in finance and technology. A graduate of the University of Tokyo, he began his career at Tokyo Bank and earned a Master’s in Development Economics from Oxford University. Since 1998, he has focused on financial IT research and innovation, previously working at JDD to promote innovation within MUFG. He has played a key role in fostering Japan's FinTech community and was a co-founder of FINOVATORS.


FINOLAB COLUMN
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[Summary] JR West’s “All-in-One” Payment Service “Wesmo!”—Its Three Strategic Goals, Challenges, and Prospects
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[Summary] The 10 Major Fintech Trends for 2025
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[Summary] The “Light and Shadow” of Quantum Computers in Finance: What Are the Emerging “Post-Quantum Cryptography Standards”?


FinTech Topics
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[Summary] Diversification of Online and Mobile Banks: Leveraging BaaS and New Industry Entrants | FinTech Topics #113
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[Summary] The Digitalization of End-of-Life Planning – Addressing the Needs of a Super-Aging Society | FinTech Topics #112
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[Summary] What is a Credit Score? A Comprehensive Explanation of Its Mechanisms and Challenges | FinTech Topics #111