Visa

Japanese Immigration Policy: How it Affects Foreign Workers

The new Japanese Immigration Policy, spearheaded by Prime Minister Shinzo Abe in late 2018 and implemented later in April 2019, is the country’s way of addressing the depleting and aging Japanese workforce, especially in their IT industry.The current administration is looking to hire at least 345,000 foreign workers in the next 5 years. They initiated the program by creating two types of visas. The first visa is for the “low-skilled” aspirants (Specified Skills Visa-1 or SSV-1) who are allowed to work for a maximum of 5 years. The second is for the “medium-skilled” ones (Specified Skills Visa-2 or SSV-2) who can stay for 10 years, with non-stop renewable visas and even the option of applying for permanent visas after.But as of recently, only a small portion of the applicants have been granted employment by the companies, with only 30,000 estimated foreign IT workers being a part of the Japanese workforce today.What could this mean for the future of foreign IT workers? Is Japan truly ready to embrace immigrants into the workforce? And what’s the best type of visa that IT professionals can apply for to ensure employment? In this article, we’ll address all of those questions and understand how the new Japanese Immigration Policy affects foreign IT workers.Overall Response to the New Japanese Immigration PolicyAlthough the government has good reasons to execute the Japanese Immigration Policy, it still managed to have mixed reactions from everyone, including some local leaders, traditional Japanese nationals, and foreigners seeking long-term employment in the country.Some officials were skeptical about the new program noting that previous policies with similar platforms, such as Japan’s “trainee” program, have failed due to inadequacies and proneness to abusive practices. Leaders also voiced concerns over probationary employees under the existing trainee program being forced to work excessive overtime, severely underpaid, and in some instances, having their passports embargoed by their employers.Meanwhile, traditionalists criticize the policy as an “easy” route for foreigners to take if they desire to live in the country permanently. Aside from allowing workers to be permanent residents, it also gives them the ability to naturalize their respective families. Some Japanese nationals also take issue with the ever-growing presence of foreigners in Japan.On the other hand, foreigners praise Japan for welcoming international talents and creating new programs that will benefit foreign aspirants and boost the country’s economy. IT workers are especially thrilled, as the country has tons of great opportunities for tech experts to grab. And even though some people have not yet embraced this new concept, the current regime is invested in making this vision come to fruition.Will Japan Finally Open Its Doors to Immigrants?Because of the constant skepticism towards the policy and only a small number of foreign workers have successfully applied for jobs in the country in recent months, many have wondered if Japan has genuinely opened its doors to gaijin like the thousands of aspiring IT workers.The answer is a resounding yes. Even before Prime Minister Abe lobbied for the new program, Japan saw an increase in the presence of foreigners in the country every year. And since April 1, 2019, when the immigration policy was officially implemented, various industries have accepted foreign workers. In fact, in the first 6 months of the new system, Japan saw its highest recorded foreign worker population with 1,658,804.In recent months, however, there has been a decline in the number of applicants from international talents hired by Japanese companies. It has absolutely nothing to do with the companies, the local government, the policy’s skeptics, and even the aspirants. Japan’s current administration is doing its absolute best to fulfill their goals with the new immigration policy.In the first months of the pandemic, the job market has been slow in accepting applications from international talents, but this isn’t true for IT companies. As the tech industry embraces the online application process, IT professionals’ job market continues to welcome foreign applicants as the need for workers in this field is expected to rise.The coronavirus may have put a setback in Japan’s job market, but aspiring foreign workers in the IT field and other industries can still apply for work visas overseas during the pandemic. Japan has gradually eased its travel restrictions to kickstart the country’s economy. As soon as the travel restrictions are completely lifted, foreigners can start working in the country again.Japan’s Immigration Policy – The New Specified Skills VisaThe new Specified Skills Visa or SSV is perfect for workers seeking opportunities in the IT industry of Japan. The government’s goal is to make up for the expected 800,000 IT worker deficit by 2030. So, there are plenty of employment openings that are just ripe for the picking.Machine Parts and Tooling industry:IT workers who can assist them in machine inspection and maintenance.Electric, Electronics, and Information industry and Industrial Machinery industry:IT workers to aid in manufacturing, electronic and electrical equipment assembling, and machine maintenance.Construction industry:IT workers who are experts with telecommunications.Shipbuilding and Ship Machinery industry:IT workers who can help in electrical equipment assembling.Automobile Repair and Maintenance industry:IT workers who can support maintenance and repair for cars’ infotainment systems.Manufacture of Food and Beverages:General food and beverage manufacture.Aside from the tons of opportunities available, another great thing about the SSV is how the Japanese government will take care of the foreign workers who’ll be residing in the country.Companies are required to give services such as housing support, Japanese language, lifestyle, and administrative procedures tutorials, assistance with work-related concerns, and even providing aid to international talents who have been terminated or are subject to termination.But for international IT workers to work under the SSV program and avail of these benefits, they have to meet specific requirements. For SSV-1 workers, they need to have a Japanese Language Proficiency Test (JLPT) N4 certificate, have a passing grade in the Specified Skills Test, and be able to stay and work in the country for 5 years.Meanwhile, applicants of SSV-2 have to compile their JLPT N4 certificate, proof of a higher level of specialized skill with experience and must be able to reside in the country until they become a permanent Japanese resident.ConclusionThe Japanese Immigration Policy has positively affected foreign IT workers in Japan. Despite the COVID-19 situation, the future of foreign IT workers in Japan looks promising. The Japanese government has exerted so much effort in making immigrants feel welcomed in the workforce despite some backlash. The country’s SSV program presents terrific openings for foreign workers and IT talents alike.Take this time to learn more about Japan’s Immigration Policy and apply for work online at the comfort of your home. Your next IT employment opportunity could be in Japan. Discover openings and useful tips on our website below.Sources:https://www.bbc.com/news/world-asia-46492216https://www.migrationpolicy.org/article/japan-labor-migration-reforms-breaking-pasthttps://thediplomat.com/2020/01/is-japan-ready-to-welcome-immigrants/https://www.japantimes.co.jp/community/2019/01/30/how-tos/demand-non-japanese-engineers-growing-know-youre-apply/#.XsYnCmgzZPZhttps://www.nippon.com/en/in-depth/d00572/covid-19-and-the-crisis-in-japanese-immigration-policy.htmlhttps://www.nippon.com/en/in-depth/d00515/https://asia.nikkei.com/Spotlight/Japan-immigration/Japan-bumps-into-challenges-welcoming-overseas-workershttps://english.kyodonews.net/news/2020/07/a022f23f4d45-coronavirus-outbreak-latest-july-1-2020.htmlhttps://www.mofa.go.jp/files/000459527.pdf

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"NoCode" Development Trend in Japan

This year, Google acquired Appsheet, a platform for no-code development, and also Amazon released Amazon Honeycode, a no-code tool, and no-code development has become a hot topic worldwide.In this article, we would like to explain NoCode development and its popular tools, which have been getting a lot of attention in Japan recently, for foreigners and IT engineers who are interested in Japanese web and smartphone app development trends.What is NoCode?NoCode tools are software development platforms that allow non-technical people to build their own applications without having to write codes or even a programming language. These tools often feature a simple user interface with drag-and-drop functionality, allowing you to easily visualize the development process and define the underlying business logic.The terms NoCode and LowCode themselves are often thought of as being similar, but as the names suggest, there is a big difference. NoCodeThe NoCode platform allows users to build software with essentially no programming language. LowCodeLowCode platforms may require an amount of coding and require users with no programming knowledge to work with the developers (knowledgeable ones) during some or all of the development process.※To learn more about LowCode, please take a look at this link. (What is LowCode)Benefits of using NoCodeNo programming knowledge requiredIf you are building an application with NoCode, you don’t need to have any programming knowledge to code from scratch. This is different from app development in the past and makes it possible for people with no knowledge of programming languages to develop apps.For example, people working in various business units who are not part of the IT department will be able to develop systems that can solve everyday business problems on their own, or people who have great ideas for new systems and services, but without any programming experience.Shorter development timeNoCode development eliminates the time it takes to code by hand, so the time from app or service conception to development and release can be significantly reduced.Faster development is required to meet diversified needs and to survive in the midst of numerous innovative companies and businesses. With the speed of new business ideas, the no-code approach to development will take on greater significance in the future.Featured NoCode ServicesWe would like to introduce you to the NoCode service that is getting a lot of attention and its features.Bubble  Bubble 9 tweets123 users5721 pocketsThe most powerful no-code platformhttps://bubble.ioBubble introduces a new way to build a web application. It’s a no-code point-and-click programming tool. Bubble hosts all applications on its cloud platform.  Flexible development from the front end to the back end of a web application is possible.Uses an intuitive interface with a drag-and-drop editor.There are plenty of free and paid templates created by Bubble’s own designers.It has about 1,000 different plug-ins for connecting with external services.Bubble is the most popular development tool in NoCode tools and is used by many users in Japan as well as abroad for its rich customizability and easy-to-understand development procedures.Adalo  www.adalo.com 37 users1097 pocketsAdalo – Build Your Own No Code Apphttps://www.adalo.comAdalo makes creating apps as easy as putting together a slide deck. Turn your idea into a real native app — no code needed!  It is possible to develop both web and smartphone apps on a single tool.Since it is linked with “Zapier”, it made easily linked with external services such as “Gmail” and “Google Spreadsheet”, it is a tool that can be used as a tool for business automation.UI parts for screen building are available, so users can build a system by simply dragging and dropping the parts that match the system they want to build.Appsheet  AppSheet 42 users1001 pocketsAppSheet : mobile apps from spreadsheets :https://www.appsheet.comMake apps with no-code. AppSheet's no-code app building platform allows you to quickly build apps to collect, or connect to, data. Start building for free now.  It has been in the spotlight in Japan since it was acquired by Google in January 2020You can create a number of apps for your internal operations, such as budget apps, webinar apps, quote and proposal apps, and moreReusable code blocks for manipulating data and the ability to manually customize the code to make it unique to your contentRetool  retool.com 46 users3106 pocketsBuild internal tools, remarkably fast.https://retool.comRetool is the fast way to build internal tools. Drag-and-drop our building blocks and connect them to your databases and APIs to build your own tools, instantly. Connects with Postgres, REST APIs, GraphQL, Firebase, Google Sheets, and more. Built by developers, for developers. Trusted by startups and Fortune 500s. Sign up for free.  Works with useful drag and drop editor.A feature-rich component library (tables, text entry, etc.) allows you to build internal tools faster.Reusable code blocks for manipulating data and the ability to manually customize the code to make it unique to your content.ConclusionThe no-code platform has revolutionized the business of IT, making it easier than ever to get up and start using feature-rich enterprise software. While there will always be a need for human-driven software development, the no-code platform fills an important space for businesses and industries of all sizes.If you are a foreign IT engineer interested in working for a Japanese company and would like to work for a Japanese company, register with G Talent, a recruitment agency for foreign IT engineers. Our professional consultants will help you find a job at a Japanese technology company for free.

その他

日本でトレンドのNoCode開発と人気サービスを紹介!

今年に入り、Googleがノーコード開発のプラットフォームの「Appsheet」を買収したことやAmazonがノーコードツールの「Amazon Honeycode」を公開するなど、ノーコード開発が世界的に大きに大きな話題となっております。開発にかかるコストの削減や開発スピードを劇的に向上させることからIT人材が不足している日本でも注目を浴びるようになりました。この記事では、最近、日本で多くの注目を浴びているNoCode(ノーコード)開発とその人気ツールについて、日本のWebやスマホアプリの開発トレンドに興味を持っている外国人やITエンジニア向けにご説明をしたいと思います。NoCode(ノーコード)とは何か?NoCode(ノーコード)ツールとは、技術者ではない人でもコード、つまり、プログラミング言語を書くことなく、独自のアプリケーションを構築することができるソフトウェア開発プラットフォームです。これらのツールは、多くの場合、ドラッグ&ドロップ機能を備えたシンプルなユーザーインターフェイスを特徴としており、開発プロセスを簡単に可視化し、基礎となるビジネスロジックを定義することができます。NoCode と LowCode (ローコード)の用語自体はよく同様に思われる場合が多くありますが、名前が示すように大きな違いがあります。 NoCodeNoCodeプラットフォームでは、ユーザーが基本的にプログラミング言語を用いることなくソフトウェアを構築することができます。 LowCodeLowCodeプラットフォームは、限られた量のコーディングが必要となる場合があり、開発プロセスの一部または全部の間、プログラミングの知識がないユーザーが開発者(知識のあるもの)と協力して作業する必要があります。※LowCode についてもっと詳しく知りたい方はこちらのリンクをご参考にしてみて下さい。(ローコード開発とそのメリットについて)NoCodeを用いるメリットプログラミング知識が必要ないNoCodeでアプリケーションを作るのであれば、1からコーディングを行うためのプログラミング知識は必要ありません。これまでアプリ開発とは異なり、プログラミング言語の知識がない人でもアプリ開発をすることが可能になります。例えば、IT部門の人材ではない各事業部で働く人たちが、自分で普段の業務課題を解決できるシステムを開発することや新しいシステムやサービスの素晴らしいアイデアを持っている人が、プログラミングの経験がなくても、そのアイデアを実現できるようになります。開発期間を短縮できるNoCodeの開発では手書きのコーディングにかかる時間がないため、アプリやサービスの発案から開発・リリースまでの期間を大幅に短縮することができます。多様化したニーズに応え、数多くの革新的な企業や事業がある中で生き残るためには、よりスピーディーな開発が要求されます。新たなビジネスアイデアの速度に対応することで、ノーコードという開発手法が今後大きな意味を持つことになると言えるでしょう。具体的なNoCodeサービスこれからは、注目を浴びているNoCodeサービスとその特徴をご紹介したいと思います。Bubble  Bubble 9 tweets123 users5721 pocketsThe most powerful no-code platformhttps://bubble.ioBubble introduces a new way to build a web application. It’s a no-code point-and-click programming tool. Bubble hosts all applications on its cloud platform.  Webアプリのフロントエンドからバックエンドまで柔軟に開発をすることが可能ですドラッグ&ドロップエディタによる直感的なインターフェースを利用していますBubble自身のデザイナーが作成した無料・有料のテンプレートが豊富です外部サービスと連携するための約1,000種類のプラグインを持っていますNoCode開発ツールの中ではトップの知名度を持ち、豊かなカスタマイズ性と分かりやすい開発手順から、海外だけではなく日本でも多く利用者に愛用されています。Adalo  www.adalo.com 37 users1097 pocketsAdalo – Build Your Own No Code Apphttps://www.adalo.comAdalo makes creating apps as easy as putting together a slide deck. Turn your idea into a real native app — no code needed!  1つのツール上でWebアプリとスマートフォーン向けのアプリを両方とも開発することが可能です「Zapier」と連携しているため、外部サービスの「GMail」や「Google Spred Sheet」などとも簡単に連携ができ、業務自動化のツールとしても活躍することができるツールです画面構築に活用するUIパーツが準備されているので、ユーザーは自分の作りたいシステムにマッチするパーツをドラック&ドロップするだけでシステムを構築することが可能ですAppsheet 2020年1月にGoogleにより買収されてから日本でも注目を浴びるようになりました予算アプリ、ウェビナーアプリ、見積と提案アプリ、などの社内の業務に関するアプリが数多く作成できますUI/UXは既に用意されている10種類以上のものから選択しカスタマイズ可能となっております  AppSheet 42 users1001 pocketsAppSheet : mobile apps from spreadsheets :https://www.appsheet.comMake apps with no-code. AppSheet's no-code app building platform allows you to quickly build apps to collect, or connect to, data. Start building for free now.  Retool  retool.com 46 users3106 pocketsBuild internal tools, remarkably fast.https://retool.comRetool is the fast way to build internal tools. Drag-and-drop our building blocks and connect them to your databases and APIs to build your own tools, instantly. Connects with Postgres, REST APIs, GraphQL, Firebase, Google Sheets, and more. Built by developers, for developers. Trusted by startups and Fortune 500s. Sign up for free.    便利なドラッグ&ドロップエディタを使用しています機能豊富なコンポーネントライブラリ(テーブル、テキスト入力など)により、内部ツールをより速く構築できますデータを操作するための再利用可能なコードブロックと、手動でコードをカスタマイズする機能があり、独自性のあるコンテンツに仕上げることが可能ですまとめノーコード・プラットフォームはITビジネスに革命をもたらし、これまで以上に簡単に機能豊富なエンタープライズ・ソフトウェアを立ち上げて使い始めることができるようになりました。人間主導のソフトウェア開発の必要性は常にありますが、ノーコード・プラットフォームはあらゆる規模の企業や業界にとって重要なスペースを埋めています。日本のWEBやスマホアプリの開発に興味があり、日本の企業で働きたいという外国人のITエンジニアの方は、外国人ITエンジニアの転職エージェントG Talent(ジータレント)にご登録ください。プロのコンサルタントが無料で日本のテクノロジー企業への転職をご支援いたします。

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Featured Image Recognition& Analysis Technology Companies

At present, there has been a remarkable advancement in the technology of image recognition and analysis in the world. In China, image recognition and analysis technology has been used to arrest more than 5,000 fugitives and has been effective in a variety of fields such as automated driving.In this article, we would like to introduce some of the hot companies in Japan and abroad for engineers who are interested in companies that are making a splash in image recognition and analysis technology.What kind of Technology is “Image Recognition & Analysis”?First of all, we would like to explain what image recognition and analysis is.Image recognition is a technology that allows a computer or machine to identify what exactly is in an image. This is one of the pattern recognition technologies that read features such as color and shape from an image and put those features into various learning machines to recognize new images.Reference: Ledge.ai / Web Media Specializing in AITranslated from Japanese to English by GtalentTo illustrate with an example, the technology allows AI to analyze features such as “fluffy, small, tail, ears, eyes, and shape” from an image and recognize that the thing in the image is a “cat”.Mechanism for Image Recognition and AnalysisThe basic mechanisms of image recognition and analysis can be classified into two types: “Recognition/Analysis” and “Detection”.(Table Reference:IMagazine /Image Recognition & Analysis, Table translated from Japanese to English by GTalent)“Recognition and Analysis” is the stage of classifying the various information in an image by features. For example, if an image has human features, it is used to determine how many people are present in the image by collecting them. Also, “Detection” is the stage where the information gathered so far (people, cars, etc.) is used to determine where in the image it is located.International Companies that are in the SpotlightWe are going to introduce four companies that are providing Image Recognition & Analysis Technology services that are gaining worldwide attention.ChinaSenseTimeThe company, said to be one of the world’s top-valued venture firms, aims to apply its image recognition technology to a wide range of fields, and is also involved in businesses other than face recognition, such as automated driving and medical image analysis. In addition, SenseTime is also actively collaborating with government companies, and its investor, Alibaba, is expanding its reach into smart city projects.SenseTimeFACE++Face++ is the first company that uses artificial intelligence for facial recognition and is one of the most notable AI startups in the world. In addition to its introduction in the Beijing police force, Face++ authentication systems have also been introduced in several major banks, the Alibaba-affiliated payment service Alipay, and the major car dispatch service Didi.FACE++USAGumGumGumGum is a new type of advertising platform that specializes in creating brand engagement aligned with premium editorial content that is guaranteed to be seen. It is best known for creating in-image advertising.The company is so high-profile that it does business with more than half of AdAge’s top 100 U.S. ad spenders, including Disney, L’Oreal, Toyota and Samsung.GumGumSwitzerlandScanditScandit is changing the way businesses and consumers interact with everyday objects, enabling businesses and consumers to use smartphones, tablets, wearables, drones, and robots to scan barcodes and extend the real-time data obtained by recognizing text and objects in the physical world. Many of the world’s innovative companies are already reaping the benefits of Scandit’s next-generation mobile data capture platform. Clients include world-renowned companies such as Ahold, Levi Strauss & Co, Coop, Macy’s, Louis Vuitton, DHL, Cardinal Health, NASA, and Verizon Wireless.ScanditImage Recognition Technology Companies in JapanWith the growing interest in image recognition and analysis technology in Japan, we would like to introduce some Japanese companies that have already succeeded in expanding their business overseas and companies that provide familiar services using this technology.Manufacturing IndustryYE DIGITALYE DIGITAL has developed MMEye, an AI image evaluation service that uses AI technology to allow for real-time inspection of defective products at the manufacturing site. It is one of the Japanese companies that has become a hot topic not only in the Japanese manufacturing industry but also overseas.YE DIGITAL / AI Image Analysis ServiceDENSODENSO is one of the world’s leading suppliers of advanced technologies, systems, and auto-parts for the automotive industry.Customers include the world’s major car manufacturers such as Toyota, Daihatsu, AUDI, BMW, Volvo, Mercedes-Benz, and many others. Globally, it is a large company that can have more than 200 subsidiaries and affiliates in 38 countries and territories.Denso is focusing on image recognition and analysis, also it is said to have the world’s top-level automated driving technology with its strengths in “image sensing” and “automated driving algorithms”.Denso / Automatic DrivingMedical IndustryHoloeyesHoloeyes is a company that is introducing VR and MR-based services to the medical field and medical education. The company provides services using image recognition and analysis technology that allows data to be converted into 3D and stored as a digital library, which can be viewed at any time.Holoeyes / Medical VRApparel IndustryFirst RetailingStyleHint is an application developed jointly by UNIQLO and G.U, group companies of First Retailing that uses image recognition and analysis technology to search for outfits.The app allows you to search for images of similar clothing outfits from your smartphone’s camera roll, Instagram, and other photos as well as UNIQLO and G.U. products that are similar to those images.StyleHint / UNIQLO & G.U.Chaos Map of Japan’s Image Recognition & Analysis TechnologyFinally, here’s the chaos map of Japanese image recognition & analysis technology published by AISmiley (as of June 2020). In addition to the services we’ve covered so far, there are many other companies offering services.Reference: AISmiley / Chaos Map of Japan’s Image Recognition & Analysis Technology 2020 (Article in Japanese)ConclusionIn recent years, many services that use image recognition and analysis technologies have been created in Japan, and the Japanese image recognition and analysis industry is a great place to grow for IT engineers who want to develop products that have a social impact using such technologies.If you are a foreign IT engineer looking to work for a company with Japanese image recognition and analysis technology, register with G Talent, the leading recruitment agency for foreign IT engineers. Our professional consultants will help you find a job at a Japanese technology company for free.

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日本のFintechの現状やサービスをわかりやすく解説

現在、世界各国でFintech(フィンテック)と呼ばれる金融におけるITテクノロジーの分野が注目をされています。日本においても、政府も後押しして金融分野におけるITの活用を推進しており、大手金融業やスタートアップでFintech(フィンテック)と言う言葉が毎日のように使われています。この記事では、日本のFintech(フィンテック)領域に興味を持っている外国人の方々向けに、日本のFintech(フィンテック)の現状や注目企業などに関して、わかりやすく説明をいたします。Fintech(フィンテック)とは?ご存知の方が多いかもしれませんが、まず最初にFintech(フィンテック)とは何かを説明したいと思います。Finance(金融)とTechnology(技術)を組み合わせた造語であり、ファイナンス・テクノロジー(フィナンス・テクノロジーとも呼ばれる)の略。「ICTを駆使した革新的(innovative)、あるいは破壊的(disruptive)な金融商品・サービスの潮流」などの意味で使用される。既存の金融機関が持つ総合的な金融サービスのうち、顧客が必要とする一部の機能のみに特化することで、低コストでサービスを受けることが可能となる。出典: フリー百科事典『ウィキペディア(Wikipedia)』もっとわかりやすく説明すると、AI、ビッグデータ、IoT、ブロックチェーンなどの先端IT技術を使って、これまでの金融サービスを変革したり、新しいサービスを創造したりすることです。身近なところで言うと、スマートフォンを使った送金や決済、ブロックチェーン技術を使った仮想通貨などが挙げられます。Fintech(フィンテック)が日本のITエンジニアから注目される理由現在、Fintech(フィンテック)の領域は、日本のITエンジニアから多くの注目を浴びており、フィンテックの領域に転職をするITエンジニアが増えています。その理由としては、「社会的インパクトの大きさ」と「先端IT技術の習得や応用」が挙げられます。社会的インパクトの大きさ経済や人々の生活を成り立たせるためには「お金」が必ず必要になり、金融サービスを変革させることで、経済や人々の生活を大きく変える可能性が秘められています。そのため、社会に大きなインパクトを与えたいと考えている多くの起業家やITエンジニアがFintech(フィンテック)の領域にチャレンジをしており、政府もそれを後押ししている状況です。後ほど説明しますが、日本のスタートアップの資金調達においても、Fintech(フィンテック)領域におけるビジネスが目立っており、大手銀行や保険会社などもCVC(コーポレートベンチャーキャピタル)を立ち上げて様々なフィンテック系のスタートアップに投資を行い、資本や業務提携を行いケースが増えてきています。先端IT技術の習得や応用Fintech(フィンテック)領域では、様々な先端IT技術を使う機会があり、技術力を磨いていきたいITエンジニアにとっては魅力的なキャリアアップ環境と言えます。フィンテックで重要となる関連技術としては、ビッグデータ、AI、ブロックチェーン、IoTなどが挙げられます。Fintech(フィンテック)における関連技術とその求人需要に関して、以下の記事でまとめておりますので、ご興味ある方はご参考にご覧ください。Fintechにおいて重要な4つの先端IT技術と求人需要Fintech(フィンテック)の11分野と代表企業現在、経済産業省やシンクタンクが、世界や日本のFintech(フィンテック)の動向を頻繁に調査を行なっており、その際に使われるセグメントとして、フィンテックは11分野に区切られます。スマート決済投資・資産運用・ロボアドバイザー仮想通貨家計管理・アドバイス提供(PMF:Personal Financial Management)ソーシャルレンディングクラウドファンディング保険融資・ローン会計・財務送金・割り勘金融情報それでは、それぞれの分野の説明や代表的なサービスについて説明していきたいと思います。スマート決済スマート決済とは、現金や金融機関での手続きを必要としない電子的な決済方法のことを言います。スマート決済を使用することで、現金の管理が不要となり、金融機関での手続き時間、手間がなくなり、手数料も安くなります。スマート決済により、消費者の決済手段の幅を広げることができます。現在日本で使われているスマート決済は大きく分けて2つあり、カードを使った決済とQRコード決済がよく使われています。カードを使った決済とは、クレジットカードやデビッドカードの決済が代表的なものとなり、カード情報をオンラインなどで入力したり、店頭でカードを掲示することて決済をすることを言います。また、最近ではクレジットカードだけではなく、プリペイド式のカードも注目をされており、代表的なもので言えばLINEペイカードなどが挙げられます。プリペイドカードは審査なしで発行でき、コンビニなどでチャージした分だけ決済に使うことができ、これまでクレジットカードを持つことができなかった若年層なども使うことができるカードになります。QRコード決済については、PayPayやメルペイ、楽天ペイなど大手IT企業が多く参入しており、QRコードをスマートフォン経由で読み取ることで決済が完了します。中国などではQRコード決済がすでに主流となっており、PayPayも中国のAlipayの技術や機能を参考に作られています。スマート決済の代表的サービスPayPay、メルペイ、Paidyなど投資・資産運用・ロボアドバイザー株などの資産運用において、AI等による分析を用いて金融商品を選択・運用するサービスです。AIは、日々データの学習を行なっていくため、将来的には人の予測よりもAIによる資産運用や投資の方が精度が高くなるとも言われています。ロボアドバイザーとは、個人資産の運用などを、人ではなく、AIのロボが行うことを言います。日本では、投資アルゴリズムに基づいた運用・売買までを行う投資一任型と資産運用の診断・助言を行うアドバイス型の2種類のロボアドバイザーが存在します。投資・資産運用・ロボアドバイザーの代表的サービスウェルスナビ、THEOなど仮想通貨仮想通貨は、ブロックチェーン技術を活用することで、銀行のような中央で管理する機関がなかったとしても、入出金などの取引記録を保存することができる通貨となっています。円やドルといった法定通貨とは異なり、お札や小銭といった形を持たない新しい通貨になります。以前、投資目的で仮想通貨を持つ方が増え、仮想通貨の価値が急激に上がったり、暴落したりしたことはニュースでも報じられました。また、仮想通貨業者のセキュリティ管理が甘く、ハッキングにより仮想通貨が流出してしまった事件もありました。それにより、一時的に仮想通貨に対する世間のイメージが悪いものになりましたが、2020年7月現在では仮想通貨の市場は安定してきており、今後は安定的に市場も拡大されると予想されています。仮想通貨の代表的サービス(仮想通貨事業者)bitflyer、Coincheckなど家計管理・アドバイス提供(PMF:Personal Financial Management)Fintechの中で最も身近な分野の1つであるPMFは、主な機能として、毎日の支出や収入を管理することです。ようするに家計簿アプリケーションのやくわりを果たします。今までの家計簿ソフトやアプリとは異なり、様々な金融機関の口座を1つのサービスで管理することが可能となっております。銀行口座の情報だけではなく、クレジットカードなどの決済方法による支出をかんりすることができます。PMFの代表的サービスMoney FowrwardPMFのサービスを提供している日本企業の1つであり、コンビニで使った電子マネー、買い物に使ったクレジットカード、給料が振り込まれた銀行口座も、お金の出入りが一つで確認できる、利用者数が800万人を超える国内トップの家計簿アプリです。Dr. Wallet利用者数が100万人を超えるマネーフォワードの次に人気な家計簿アプリです。ソーシャルレンディングソーシャルレンディングは「貸付型クラウドファンディング」とも言われ、お金を借りたい借り手(主に企業)とお金を運用したい投資家を金融商品を通して結びつけるサービスです。ソーシャルレンディングを提供する企業は、借り手の審査、投資家の募集、貸付や返済金、分配金の管理を行います。投資信託との違いは、投資家が自分で融資先を探し、価格が相場に左右されない点などです。ソーシャルレンディングの代表的サービスSBIソーシャルレンディング、Crowd Bank、CROWD CREDITなどクラウドファンディングクラウドファンディングとは、インターネットを介して不特定多数の人々から少額ずつ資金を調達ができるサービスとなります。資金調達の場合、一般的に銀行からの借入やベンチャーキャピタルによる出資などがあげられますが、クラウドファンディングは、これまでの資金調達とは違い、「手軽さ」や「拡散性の高さ」、「テストマーケティングの実施」といった点で新たな資金調達の仕組みとして注目されています。社会問題の解決や新しいモノを発売したいといういアイデアや持つ人は誰でも“起案者”になることができ、それを応援したい方や新しいモノを試してみたいという人は誰でも“支援者”として支援できます。このように、クラウドファンディングでは、起案者がやりたいプロジェクトに資金提供してくれる人をインターネット上で募集し、資金を集めることです。クラウドファンディングの代表的サービスCamp Fire、Makuake、Ready Forなど保険これまでの保険のイメ―ジは、保険のセールスマンや代理店を経由して保険に加入するというものでしたが、ネットで加入できる保険が近年では成長をしており、今ではスマートフォン1つでで保険に加入することもできます。スマートフォンで加入ができるLINE保険などでは、スマートフォンのアプリで最短60秒で保険に加入することができます。また、自動車保険などでITを駆使して、走行距離や運転特性などの運転者のデータを取得・分析を行い、そのデータに基づいて保険料を決めるというシステムなどもあります。保険の代表的サービスLINEほけん、ソニー損保など融資・ローン銀行やローン会社などの融資などにもフィンテックの活用が進んでおり、住宅ローンの比較検討や住宅ローンの借り換えサービス、ビッグデータを使った借り手の審査や融資の限度額、貸付利率の決定などにテクノロジーが活用されだしています。融資・ローンの代表的サービスJ.Score、WhatzMoneyなど会計・財務企業の会計処理や財務管理の分野において、様々なクラウドサービスが提供されだしています。これまでの会計処理では、属人的なため人的ミスや時間の無駄が多く発生していましたが、クラウドサービスの出現により、会計処理の時間の短縮、人的ミスの軽減、会社の会計状況の可視化が可能になりました。会計・財務の代表的サービスfreee、弥生会計など送金・割り勘個人間での送金やお金の受け取り、飲み会の支払いなどの割り勘をスマートフォンのアプリなどを通してできるサービスが普及してきています。割り勘を行う場合は、1円単位での計算や現金の回収など非常に面倒でしたが、キャッシュレスで割り勘を簡単にできることが可能になります。送金・割り勘の代表的サービスKyash、よろペイなど金融情報投資家が資産を運用したり、企業の経営企画部が戦略を立てる際に、金融や経済のデータを効率よく収集する必要があります。そのようなニーズに対して、ITを使って金融や経済の膨大な量のデータを分析し、短時間で質の高い情報を取得できるサービスが生まれています。金融情報の代表的サービスZUU、SPEEDAなど日本のFintechカオスマップ最後に、MA STANDが発表した日本のフィンテックサービスのカオスマップをご案内します。これまで取り上げたサービス以外にも様々な企業がサービスを提供しています。参照:【最新2019年/カオスマップ】日本の最先端FinTech(フィンテック)企業50選/MA STANDまとめ日本でも多くのフィンテックサービスが生み出されており、ITエンジニアにとっては先端技術の習得や社会的インパクトの大きさなどを考えると、フィンテックの領域は非常に働きがいのある環境と言えるのではないでしょうか。日本のフィンテック業界で働きたいという外国人のITエンジニアの方でしたら、外国人ITエンジニアの転職エージェント GTalnetにご登録ください。プロのコンサルタントが無料でフィンテック領域への転職をご支援いたします。

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Fintech and the Representative Services & Companies in Japan

At present, the field of financial IT technology called Fintech is drawing attention around the world. In Japan as well, the government is supporting the use of IT in the financial field, and also the term Fintech is used every day in major financial industries and startups.In this article, for foreigners who are interested in Japan’s Fintech field, we will explain in an easy-to-understand manner the current status of Fintech in Japan and the featured companies in the field.What is Fintech?First of all, we would like to explain what Fintech is.Financial technology (abbreviated fintech or FinTech) is the technology and innovation that aims to compete with traditional financial methods in the delivery of financial services. It is an emerging industry that uses technology to improve activities in finance.[2] The use of smartphones for mobile banking, investing, borrowing services[3], and cryptocurrency are examples of technologies aiming to make financial services more accessible to the general public. Financial technology companies consist of both startups and established financial institutions and technology companies trying to replace or enhance the usage of financial services provided by existing financial companies.Reference: The Free Encyclopedia “Wikipedia”In more simple words, it is about transforming existing financial services and creating new services using advanced IT technologies such as AI, big data, IoT, and blockchain. Some familiar examples are, remittance and payment using smartphones, virtual currency using blockchain technology, etc.Why Fintech gets attention from IT Engineers in Japan?Currently, the Fintech area is receiving a lot of attention from IT engineers in Japan, and the number of IT engineers who are changing jobs to the Fintech field is increasing. The reasons for this are “magnitude of social impact” and “acquisition and application of advanced IT technology”.The Magnitude of Social Impact“Money” is indispensable to establish the economy and people’s lives, by transforming financial services, there is a potential to significantly change the economy and people’s lives. Therefore, many entrepreneurs and IT engineers who want to make a big impact on society are challenging in the Fintech field, and the government is supporting it.As we will explain later, the business in the Fintech area is outstanding, also in financing Japanese startups. Major banks and insurance companies have also started CVC (Corporate Venture Capital) and various fintech-related businesses. The number of these cases are increasing by investing in startups, making capital and business alliances.Acquisition and Application of Advanced IT TechnologyIn the Fintech field, there are opportunities to use advanced IT technologies, and we can say that it is an attractive career development environment for IT engineers who want to hone their technical skills. Related technologies that are important in FinTech include big data, AI, blockchain, and IoT.If you are interested in those technologies, please refer to the following article for related technologies in Fintech and their recruitment demand.Fintech Key Advanced Technologies and Job Demand in Japan11 Fields of Fintech and their Representative ServicesCurrently, the “Ministry of Economy, Trade and Industry” and Japanese consulting firms are frequently researching the trends of Fintech around the world and Japan. As the segment used at that time, fintech is divided into 11 fields.Smart PaymentInvestment/Asset management/Robot-advisorVirtual currencyHousehold Management and Advice (PMF: Personal Financial Management)Social LendingCrowdfundingInsuranceLoans/LoansAccounting/FinanceRemittance & Split BillsFinancial InformationFrom now, we would like to explain each field and its representative services.Smart PaymentSmart payments are electronic payment methods that does not require cash or financial institution procedures. Using smart payment eliminates the need for cash management, procedures time at financial institutions, and also reduce the fee. Smart payments can broaden the range of payment methods for consumers.There are roughly two types of smart payments currently used in Japan, card payments and QR code payments are often used.Credit card payments and debit card payments are the most common examples of payment using a card. Payment is performed by entering card information online or displaying a card at a store. Recently, not only credit cards but also prepaid cards have been attracting attention. For example, LINE pay cards.Prepaid cards can be issued without a screening, they can be used for payment only as much as you charged them at a convenience store. It is a card that can be used by young people who couldn’t have a credit card until now.Regarding QR code payment, many major IT companies such as PayPay, Merpay, Rakuten Pay have entered the market, the settlement is completed by reading the QR code via a smartphone. QR code payments have already become mainstream in China and other countries. PayPay used China’s Alipay technology and features as a reference.Representative Services of Smart PaymentPayPay (In Japanese), Merpay (In Japanse), Paidy (In Japanese), etc.Investment/Asset Management/Robot-advisorThis is a service that selects and manages financial merchandise using analysis by AI in asset management such as stocks. Since AI learns data daily, it is said that asset management and investment by AI will be more accurate than human prediction in the future.A Robot-advisor means that an AI robot manages personal assets. In Japan, there are two types of Robot-advisors: the discretionary investment type, that manages and sells based on investment algorithms and, advice type that diagnoses and advises asset management.Representative Services for Investment/Asset Management and Robo-advisorWealthNavi (In Japanese), THEO (In Japanese), etc.Virtual CurrencyBy utilizing blockchain technology, virtual currency is a currency that can store transaction records such as deposits and withdrawals even if there is no centralized management agency such as banks. Unlike fiat currencies such as yen and dollars, it is a new currency that doesn’t have the form of bills or coins.Previously, it was reported in the news that the number of people holding a virtual currency for investment purposes increased, and the value of virtual currency rose and fell sharply. Also, there was a case in which the virtual currency leaked due to hacking because the security management of the virtual currency vendor was weak.Thereby, the public image of virtual currencies has become temporarily deteriorated, but as of July 2020, the virtual currency market has been stable, and it is expected that the market will expand steadily in the future.Representative Services of Virtual Currency (Virtual Currency Business Operator)bitFlyer, Coincheck, etc.Household Management and Advice (PMF: Personal Financial Management)One of the most familiar fields of Fintech is PMF. The main function of this is to manage daily spendings and incomes. In a nutshell, it plays the role of a household account book application. Unlike the household account book softwares and apps that have been used up to now, it is possible to manage accounts of various financial institutions with one service. Furthermore, bank account information, but you can also get information about payments by credit card and other payment methods.Representative Services of PMFMoney ForwardIt is one of the Japanese companies that provide PMF services. This app allows you to check the electronic money used at convenience stores, credit cards used for shopping, bank accounts with salaries transferred. Japan’s top household account book application with more than 8 million people.Dr. Wallet (In Japanese)It is the second most popular household account book application after money forward with more than 1 million users.Social LendingSocial lending, also known as “lending-type crowdfunding,” is a service that connects borrowers (mainly companies) and investors who want to invest money through financial products. Companies that provide social lending services perform, borrower screening, investor recruitment, loans, repayments, and also performs distribution management.The difference with mutual funds is that investors find the lenders, and the price is not affected by the market price.Representative services for social lendingSBI Social Lending, CROWD CREDIT, etc.CrowdfundingCrowdfunding is a service that allows you to raise a small amount of money from an unspecified number of people via Internet. In the case of financing, generally, there are loans from banks and investment by venture capital. But unlike traditional funding, crowdfunding is getting attention as a new funding mechanism for been “Easy”, “High diffusivity” and “Implementing test marketing”.Anyone who has an idea or wants to solve a social problem or launch a new product can become a “drafter”, and anyone who wants to support it or want to help try to a new product is a “supporter”. in this way, in crowdfunding, It is to raise money by recruiting people on the Internet to fund the project that the creator wants to do.Representative Services for CrowdfundingCamp-Fire, Makuake, Ready For, etc.InsuranceUntil now, it was supposed to take out insurance through an insurance salesman or an agent, but in recent years, online insurance services have grown now till you can take out insurance with just one smartphone. With LINE insurance you can take out insurance in as little as 60 seconds using a smartphone.There is also a system that uses IT for car insurance, to acquire and analyze driver data such as mileage and driving characteristics, determining insurance premiums based on that data.Representative Services for InsuranceLINE Hoken, Sony Assurance / Good Drive (In Japanese), etc.Financing/LoansFintech is being utilized for the financing of banks and loan companies. This technology has been used in mortgage comparison, mortgage refinancing services, the examination of borrowers using big data, the limit of lending, determination of loan interest rate, etc.Representative Services Financing and LoanJ.Score (In Japanese), WhatzMoney (In Japanese), etc.Accounting/FinanceVarious cloud services are being offered in the fields of corporate accounting and financial management. In the past accounting process, there were many human errors and wasted time, but with the advent of cloud services, the accounting process time is shortened, human errors are reduced. Now, it is possible to visualize the accounting status of the company.Accounting/Finance Representative Servicesfreee, Yayoi-kaikei, etc.Remittance & Split BillsServices that allow people to share payments, receive money, and pay for drinking parties (Nomikai) through smartphone apps are becoming popular. When carrying out split bills, it was very troublesome to calculate by 1 yen and collect cash, but due to this technology, it turns possible to easily split bills without cash.Representative Services for Remittance and Split BillsKyash (In Japanese), YoroPay (In Japanese), etc.Financial InformationFinancial and economic data needs to be collected efficiently when an investor manages an asset or when a corporate business planning department makes a strategy. In response to such needs, using IT technology to analyze huge amounts of financial and economic data, a service that can obtain high-quality information in a short time has been created.Representative services for financial informationZUU, SPEEDA, etc.Fintech Chaos Map of JapanLastly, we would like to introduce the Japanese Fintech service landscape map announced by MA STAND.In addition to the services mentioned above, various companies provide services.Reference:【Fintech Industry Landscape Map 2019】Top 50 FinTech Companies in Japan / MA STANDConclusionMany fintech services have been created in Japan, and considering the magnitude of social impact and the acquisition of advanced technology for IT engineers, the fintech field is a very rewarding environment for them.If you are a foreign IT engineer who wants to work in the Japanese fintech industry, please register with GTalnet, a recruitment agency specialized in foreign IT engineers. A professional consultant will help you to find a job in the field of fintech for free.

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Fintech Key Advanced Technologies and Job Demand in Japan

Fintech is attracting attention not only around the world but also in Japan. In this article, G Talent, a recruitment agency specialized in foreign IT engineers, summarized four advanced IT technologies in Fintech and each job demand in Japan.Fintech Four Key Advanced Technologies in FintechIn this article, we would like to focus on the following four important advanced IT technologies in Fintech.AI/Big DataBlockchainIoTBiometricsNow, we are going to explain each technology one by one, taking into account the current demand for recruitment.AI / Big DataThere are many cases in which big data technology is applied to credit examinations of credit cards and loans, using a large amount of data such as stock price information, economic indexes, and personal financial information.The cost of data analysis is drastically reduced due to cloud servers and distributed processing systems that can process big data, and large amounts of data are collected and processed by using text mining technology and natural language processing technology for data collection and conversion.AI performance has dramatically improved due to deep learning technology developed around 2010. AI technology has begun to be used in various areas of the financial industry, such as automation of counter operations, automatically analyze financial indicators, and buy and sell stocks using big data.Along with that, it is said that the work that people were doing in banks will be replaced by AI and that there is going to be a huge lay off in each bank in the future. Also, it is said that banks that cannot be transformed into IT companies will be eliminated.Job Demand for AI / Big DataIn fact, the recruitment of data engineers and data scientists are increasing at major insurance companies and credit card companies, and by effectively utilizing big data, each company is working to improve operational efficiency and create new services.Also, each bank is focusing on hiring IT engineers, every financial company is looking to become a fintech company.However, there is a shortage of human resources related to big data and AI in Japan. When working in Japan, the language of Japanese is often required, but some Japanese insurance companies do not require it, so there are many fields where foreign IT engineers can play an active role.BlockchainIt would be no exaggeration to say that the first word that comes to mind as fintech technology is “blockchain.” In more technical terms, it is also called “distributed ledger technology”. It is not a centralized type of management, but a network system made to distribute data to computers all over the world and reduce the risk of destruction and tampering.Normally, if you deposit money in a bank, transaction records are maintained by the bank’s central server. But with blockchain technology, the transaction information can be distributed and stored on the network without the needing for central management such as financial institutions. In addition, the encryption technology allows users to refer to only the items that are permitted, and the risk of leakage of personal information is extremely low.All records are stored on a computer network, allowing anyone to scrutinize and audit and prevent counterfeiting or double payments by exposing them to the eyes of the general public.Bitcoin and other virtual currencies are typical examples of blockchain technology. Speaking of blockchain, there are many people who think of virtual currency, but the reason why blockchain is getting so much attention is that it can be applied to a wide range of areas apart from the virtual currency, and it is expected to revolutionize the business so far.For example, it is expected that the blockchain will be utilized in the basic operations necessary for business, such as ordinary commercial transactions, electronic voting, and the conclusion of contracts.Job Demand for Blockchain TechnologyJob offers to require blockchain technology continue increasing in Japan. Not only in cryptocurrency companies but also in financial industries such as banks and startups that provide blockchain solutions are in very high demand. In addition, Japan has few engineers with blockchain technology knowledge, and this is an area where many foreign engineers are active.IoTCurrently, there are few cases where IoT has been introduced in the financial field. However, recently, with the introduction of IoT technology in automobiles, there is a possibility that data on automobile driving methods and automobile insurance may be linked, but the state of car insurance when automatic driving progressed is calling for a debate. Therefore, IoT technology in the financial field is gradually gaining attention.In addition, the use of IoT technology in the medical field may have a major impact on medical insurance. Recently, with the spread of wearable devices, IoT technology has been applied to the payment support of Apple Watch, etc., and there is a possibility that IoT technology in the financial field will grow in the future.Job Demand for IoT TechnologyIt is said that the market size of IoT technology will exceed 36 trillion yen in 2020 (Gartner’s estimate), and also, it’s said that the demand for IoT technology is a field with extremely high growth potential.The demand for IoT engineers is still low in existing financial companies and fintech companies, but in the manufacturing industry that produces IoT-equipped devices (cars, wearable devices, etc.) linked to financial companies the demand for IoT engineers is in a higher situation.BiometricsWhen using online services such as banks and securities, personal authentication is always the first key. In July 2012, the FIDO (Fast IDentity Online) Alliance was established by 6 companies such as Pay Pal and Lenovo aiming to standardize global authentication centered on online authentication including biometrics, and its scale still increasing at present. Board members, which are major companies, include global financial giants such as Visa, MasterCard, and Bank of America, as well as global companies such as Microsoft, Google, and NTT DoCoMo.Fingerprints and vein authentication have also started to be used at some ATMs at Japanese banks.Recently, not only image data but also authentication by physical movement such as keyboard typing method has been developed, demonstrating that it can be said the application of new technology is a remarkable field.Job Demand for Biometrics TechnologyRegarding biometric authentication technology, the application is still limited to personal authentication, so demand can be said to be still far ahead of AI, big data, and blockchain technology.ConclusionIn addition to the four technologies introduced this time, various new advanced IT technologies will be used in the fintech field. Also, not only advanced IT technology, modern frameworks have become necessary to improve usability for consumers. G Talent, a recruitment agency specialized in foreign IT engineers, will keep an eye on FinTech trends and keep updating our readers about relevant technology.

その他

Fintechにおいて重要な4つの先端IT技術と求人需要

世界はもちろん、日本でも注目を集めるFintech(フィンテック)。今回の記事では、外国人ITエンジニアの転職エージェント GTalnetが、Fintech(フィンテック)に関連する4つの先端IT技術と各技術に対する求人需要をまとめました。Fintech(フィンテック)において重要な4つの先端IT技術今回の記事ではFintech(フィンテック)において、以下の重要な4つの先端IT技術について取り上げたいと思いいます。AI・ビッグデータブロックチェーンIoT生体認証それでは、各技術に関して現在の求人需要も踏まえて1つ1つ説明していきたいと思います。AI・ビッグデータ株価の情報、経済指数、個人の金融情報などの大量なデータを利用し、クレジットカードや融資の与信審査などにビッグデータの技術が応用されている事例が多く挙げられます。ビッグデータが処理可能なクラウドサーバーや分散処理システム等によりデータ分析のコストが大幅に低下、データの収集や変換もテキストマイニング技術や自然言語処理技術などを用いることで、大量のデータを収集・処理できるようになっています。そして、2010年前後に開発されたディープラーニング技術によりAIの性能が飛躍的に向上し、ビッグデータを使って自動的に金融指標の分析や株の売買、窓口業務の自動化など金融業界の様々な領域でAIの活用が始まっています。それに伴い、銀行等では人がやっていた業務がAIに取って代わられると言われており、各銀行で大きなリストが今後始まっていくと言われており、IT企業に変化できない銀行は淘汰されると言われています。AI・ビッグデータの求人需要実際、大手保険会社やクレジットカード会社などでデータエンジニアやデータサイエンティストなどの求人が増加してきており、ビッグデータを有効活用することで、各社ともに業務効率化や新サービスの創造を図っています。また各銀行においてもITエンジニアの採用に力を入れており、どの金融企業もフィンテック企業に変化することを視野に入れています。しかし、日本国内ではビッグデータやAI関連の人材は不足しています。日本で仕事をするときは、日本語が必要とされるケースが多いですが、一部の日系保険会社では日本語不要で採用をしたりもしており、外国人のITエンジニアが活躍できるフィールドが多くあります。ブロックチェーンフィンテックの技術として一番最初に思い浮かぶ言葉が「ブロックチェーン」と言っても過言ではないでしょう。より専門的な用語で表現すると、「分散型台帳技術」とも呼ばれています。中央集権型の管理ではなく、世界中にあるコンピューターにデータを分散させ、破壊・改ざんなどのリスクが低くなるように作られたネットワークシステムとなります。通常、銀行にお金を預けた場合、取引の記録は銀行の中央サーバーによって管理されますが、ブロックチェーン技術を使えば、金融機関などの中央管理を必要とせず、取引情報をネットワーク上に分散して保存ができるようになります。また、暗号化技術により利用者は許可された項目しか参照できず、個人情報の流出リスクも非常に少ないです。すべての記録はコンピューターのネットワーク上に保存されているため、誰でも精査・監査ができて、不特定多数の人の目にさらされることで偽造や二重払いを防止しています。ブロックチェーン技術が用いられている代表的なものは、ビットコインなどの仮想通貨となります。ブロックチェーンと言うと、仮想通貨をイメージされる方が多い状況ですが、これほどブロックチェーンが注目されるのは、仮想通貨以外の幅広い領域に応用ができ、これまでのビジネスが大きく変革されることが期待されているためです。例えば、通常の商取引、電子投票、契約書の締結など、ビジネスに必要な基本業務においてブロックチェーンが活用されることが期待されています。ブロックチェーン技術の求人需要ブロックチェーン技術が求められる求人は日本においても増加し続けています。仮想通貨事業者だけではなく、銀行などの金融業界、ブロックチェーンのソリューションを提供するスタートアップなど、非常に高い需要があります。また、日本はブロックチェーン技術を持ったエンジニアが少なく、外国人のエンジニアが多く活躍している領域でもあります。IoT現時点では金融領域でIoTが導入されている事例は少ない状況です。しかし、最近では自動車にIoT技術の搭載が進むにつれて、自動車の運転方法のデータと自動車保険がリンクされる可能性が挙げられたり、自動運転が進んだ時の自動車保険の在り方などが議論を読んでおり、金融領域におけるIoT技術が少しずつ注目を集めています。また、医療現場でIoT技術が使われることで、医療保険においても大きな影響を与える可能性があります。最近では、ウェアラブルデバイスの浸透により、Apple Watchの決済対応などもIoT技術が応用されており、今後金融領域におけるIoT技術は成長が見込まれる可能性があります。IoT技術の求人需要IoT技術の市場規模は2020年に36兆円超に達する(Gartner推計)と言われており、IoT技術の需要は今後も非常に成長性が高い分野と言えます。既存の金融会社やフィンテック企業においてIoT技術者の需要はまだ少ない状況ですが、金融会社にリンクされるIoT搭載デバイス(車、ウェアラブルデバイスなど)を製造している製造業におけるIoT技術者の需要は高い状況です。生体認証銀行や証券などオンラインでサービスを利用する場合は、必ず本人認証が一番最初に鍵を握ります。2012年7月には、生体認証を含むオンライン認証を中心とした世界的な認証の標準化を目指すFIDO(Fast IDentity Online) Allianceが、Pay Pal、Lenovo等6社により発足し、現在もその規模を拡大しています。主要企業であるボードメンバーには、Visa、MasterCard、Bank of Americaなどの世界的金融大手に加え、Microsoft、Google、 NTTドコモ等の世界的企業も加盟しています。また、日本の一部の銀行のATMにおいても、指紋や静脈による認証も開始されています。最近では、画像データのみならず、キーボードの打鍵方法等身体運動による認証も開発されており、新しい技術の応用が目覚ましい分野と言えるでしょう。生体認証技術の求人需要生体認証技術に関しては、まだまだ用途が本人認証に限られることもあり、AIやビッグデータ、ブロックチェーンの技術に比べると、需要はまだまだこれからと言えるでしょう。まとめ今回ご紹介した4つ以外にも、フィンテックの分野では様々な新しい先端IT技術が用いられていくでしょう。また、先端IT技術だけではなく、消費者のユーザビリティを上げるためにモダンなフレームワークなども最近では必要となってきています。外国人ITエンジニアの転職エージェント GTalnetでは、今後もフィンテックの動向を随時調査し、必要となる関連技術をアップデートしていきたいと思います。

Career Development

Popular Employment Companies for Graduates in Japan

In this article, we summarized the companies that are popular among Japanese university students who are going to do job hunting in 2021 and their reasons for international students who are looking for jobs in Japan. Unlike other countries, this is a result uniquely Japanese. If you are a foreigner looking for a job in Japan, please use this as a reference.Ranking of popular Japanese companies for Japanese university students(2021)Career-tasu Job Hunting21, a job search information medium for new graduate students, surveyed college students planning to graduate in March 2021 regarding companies where they want to find employment. The ranking is shown below.RankName of CompanyIndustryNo.1Tokyo Marine NichidoInsuranceNo.2Sompo JapanInsuranceNo.3Itochu CorporationGeneral TradingNo.4Mitsui Sumitomo Insurance GroupInsuranceNo.5Japan AirlinesAir TransportationNo.6All Nippon AirwaysAir TransportationNo.7Sony CorporationConglomerateNo.8Mitsubishi CorporationGeneral TradingNo.9SuntoryFoods & BeveragesNo.10ToyotaAutomotive ManufacturerReference:Career-tasu Job Hunting21/Ranking of Popular CompaniesBasically, only large companies have been focused in young people, and it is the same tendency in other countries. However, it is unthinkable in other countries that the first, second, and fourth place are insurance companies. What do current Japanese college students look for in employment and why do they choose insurance companies instead of the most popular Internet companies and manufacturers abroad?Why Are Insurance Companies Popular in Japan?While many companies have reduced the number of recruitment due to the influence of the new coronavirus, it seems that insurance companies have not reduced the number of recruitments. These companies have the impression that they have relatively high salaries and are stable, and that it is becoming popular that a wide range of students can apply, regardless of their major in university.In addition, the insurance industry, which was mainly a car insurance business, considering the possibility that demand for cars will disappear, has been focusing on the insurance that is applied in the event of an earthquake or other natural disasters in recent years. The insurance industry would has a high growth potential.With three insurance companies listed, it seems that job-seeking students in 2021 are looking for a stable workplace rather than a challenging workplace.Companies Whose Popularity has Risen and FallenWithin the companies ranked in the top 10 this year, some companies are popular every year, like JAL and ITOCHU, but some companies have risen noticeably in the ranking having a much higher position, like Tokio Marine and Nichido Fire Insurance.From now on, we would like to explain in detail about the five most distinctive companies in the ranking.Tokyo Marine NichidoTokyo Marine Nichido ranked 10th in the ranking of popular companies last year but ranked 1st this year. The factors behind this may be the high annual income and the international environment.High Annual InconmeAlthough the basic salary of Tokyo Marine & Nichido Fire Insurance is not much different from others insurance companies, the bonus received by each employee has a great impact on the annual income. The average annual income of this company is about 8.35 million yen, but according to the commitment and results of their employees, it is often seen that it exceeds 10 million yen.A bonus of about 600,000 yen was paid to a new graduate employee in the second month after joining the company, which makes it more attractive in terms of income than other companies. In addition to the monthly salary, employees can receive up to 100,000 yen in rent subsidies, which is excellent in welfare and can be said to be an attractive company in terms of treatment.International environmentTokyo Marine & Nichido Fire Insurance is expanding its business not only domestically but internationally as well, with approximately 45 overseas bases. Being able to work in different big cities around the world is also a reason for its popularity. Therefore, even in the working environment, diversity is spreading and it seems to be a popular place of employment for international students and overseas people.Itochu CorporationIn Japan, trading companies (Shousha) are a very influential type of business. In particular, ITOCHU Corporation, Mitsubishi Corporation, Sumitomo Corporation, etc., which are said to be “general trading companies (Sougo-Shousha)”, are always employment destinations that are popular with university students.What is a General Trading Company (Sougou-Shousha)?General trading companies procure various products such as food, energy resources, and machinery on a global scale, and sell them not only in Japan but worldwide. They have big projects which have a big impact on the country, and they also have manufacturers and financial companies, that’s why they are expanding globally.High Annual IncomeThe average annual income of Itochu Corporation is about 14 million yen, which is a very high rate among Japanese companies. Even in the first year of new graduates, the average annual salary of a general-work employee is about 5.5 million yen, which means that a high standard of salary will be obtained from the first year after joining the company.Acquisition of Various SkillsMajor general trading companies have excellent human resources from Japan and the world, and not only is there an environment where they can learn business know-how, but there is also the aspect that they can acquire various skills from excellent human resources. One of the reasons why it is so popular is that you can learn languages such as English and the skills to do business globally such as finance.Japan Airlines (JAL)Specific Benefits for AirlinesIn addition to general benefits such as social insurance and transportation allowance, there is an employee discount system for air tickets. This system is a JAL-specific benefit that allows employees to purchase air tickets at a discount of 90%. There is no doubt that it is a benefit for students who like to travel.High Annual IncomeThe average annual income of the aviation industry is also high, and among them, the average annual income of JAL is about 8.27 million yen, which is the top class in the industry.SuntoryOverseas Expansion SuccessSpeaking of Japan’s major beverage makers, there are Kirin, Asahi, Suntory, etc. Among them, Suntory has always been very popular. The reason for this is the charm of the corporate culture. As the founder’s famous phrase says “Yatte-minahare”, wich means “Just try it”. Suntory is challenging various new things, and it is also Suntory that has actually succeeded in expanding overseas first than the others beverage companies.Unlisted CompanyAs the Suntory Group is a privately held company, it does not need to produce short-term results for its shareholders, so it may be one of its attractions to be able to engage in long-term projects.ToyotaWhy has it become less Popular?Speaking of Toyota, it is the company with the highest market capitalization in Japan and the world-famous automobile manufacturer. Although it is still a popular company for Japanese university students to find employment. This year Toyota was at the 10th place of popularity, but compared to a few years ago, the popularity of job hunting students is gradually decreasing. This is because young people today are less interested in automobiles, and considering the future of the automobile industry, it is not necessarily a growth industry. As more and more students are no longer interested in cars, the number of students who want to work for an automobile manufacturer may continue to decline.ConclusionDue to the corona shock, university students scheduled to graduate in 2021 are looking for a job which gives them an economic and labor stability besides looking for a job of their liking. Therefore, we think that companies with high stability will continue to be ranked high in the future. In addition, as the number of students seeking new ways of thinking and international communication has increased in recent years, companies such as Mitsui Sumitomo Insurance Co., Ltd. and ITOCHU Corporation that are focusing on diversity and international development are becoming popular for job hunters.We sincerely hope that by finding a job in Japan, you will be able to achieve your desired career development.If you are an international student who is thinking of finding a job in Japan and want to get a job related to IT, please register with G Talent, a recruitment agency specializing in foreign IT engineers. Professional consultants will help you with your job hunting for free.

Social insurance & Welfare

Common & Unique Employee Benefits in Japan

Compared to overseas, Japanese companies apart from having good salaries are said to have a lot of employee benefits in Asia. In this article, for foreigners such as international students who want to work for Japanese companies, we would like to explain the most common benefits that Japanese companies provide to their employees.Employee Benefits “Fukurikosei”First, employee benefits in Japan (Fukurikousei) means various efforts aimed at supporting employees and their families in terms of health and life. Also in Japan, there are two types of welfares, legal employee benefits (Houtei-Fukuri Kosei) which are said by law that companies must provide to their employees, and the other is which companies voluntarily provide (regardless of the law) to their employees.Types of Employee BenefitsLegal Employee Benefits (Houtei-Fukurikousei)Below, we would like to briefly describe each type of legal employee benefits (Houtei-Fukurikousei). Worker’s Accident Compensation Insurance (Rousai-Hoken)Worker’s accident compensation insurance is an insurance when workers are injured or ill due to accidents that occur during work or on the way to work. Child Allowance (Kodomo/Kosodate Kyoushutsu-Kin)This is a contribution that is paid to a family with children when the company pays the government a fixed amount. Unemployment Insurance (Koyou-Hoken)Unemployment insurance is the allowance paid by the state when a worker loses his or her job.For example, if the company’s business performance is poor and you are dismissed due to the reason, you can apply to the country and receive about 50 to 80% of the salary of the previous job as an unemployment allowance in a period of 90 to 150 days. Health Insurance (Kenkou-Hoken)Health insurance is a medical insurance system to prepare for situations such as illness, injury, birth, and death.For example, if you go to a hospital and receive medical treatment, depending on the case, and you show your insurance card, you will pay about 30%, and the rest will be borne by the government. Nursing insurance (Kaigo-Hoken)Nursing insurance is an insurance system in which the government provides a portion of the cost needed for nursing care when is determined that it is necessary. Welfare Pension Insurance (Kousei-Nenkin-Hoken)Welfare pension insurance is a pension system that is provided in addition to the national pension.These legal employee benefits (Houtei-fukurikousei) are legally obligatory for companies when they employ workers.The percentage at which the company and employees pay is regulated by law, the company deducts the amount to be paid from the employee’s monthly salary and the company pays it to the country.Most Common Employee Benefits in Japanese CompaniesIn many cases abroad, transportation costs to go to work are borne by workers themselves, but in Japan, it is common for companies to bear the transportation costs of their employees. Like in this case, the welfare provided by companies differs between Japan and abroad.From now on, we would like to introduce the most common welfares that Japanese companies provide to their employees. Commuting Allowance (Koutsu-teate)It is a benefit that the company bears for the cost of commuting from your home to your office with round trip. Some companies pay the full amount, while others only pay a fixed amount. Most companies in Japan provide employees with commuting allowances. Medical Check-up (Kenkou-shindan)Under Japan’s Occupational Health and Safety Act, companies are obliged to take good care of their employee’s health.A medical check is recognized as welfare for this health care obligation, and most of the Japanese companies offer their employees a yearly medical check as welfare.For details on the types of medical examinations that foreigners can take in Japan, their contents, and the time required, please read the article below if you are interested.What kind of medical examination can foreigners receive at a Japanese company? Housing Allowance (Jutaku-teate)It is a system in which part of the rent is paid together with the monthly salary. The amount paid depends on the company. This allowance is often found in financial and manufacturing industries that require national transfers. Employee Stock Ownership Plan (Juugyoin Mochikabu-seido)This is a system in which employees who are willing to purchase stock can withhold the deduction from the salary and purchase the stock of the company or its parent company and receive the profit separately from the salary. It is a system often found in listed companies and big companies. Retirement Allowance (Taishokukin)The money an employee is paid when they retire. The purpose of the retirement allowance is to provide monetary support for retirees who worked for many years in the same company.However recently the cases in which an employee works until his retirement (60 years old) in the same company are decreasing notably. Also, the retirement allowance fund is not being managed well, and the burden on the company side is increasing.For these reasons, instead of a retirement allowance, companies that offer a monthly fund to collaborate with a defined contribution pension plan have recently increased. Special Leave for Weddings and Funerals (Keichou-kyuuka)It is a type of leave that can be taken when you or a close relative gets married, it can also be used in the case of bereavement. Maternity Leave (Shussan-kyuuka)Maternity leave is a type of leave that combinate the prenatal period and the recovery period after delivery. Depending on the company, you can get leave from 6 weeks before birth but on the other hand, the recovery period is set by law to get 8 weeks. Parental Leave (Ikuji-kyuuka)Parental leave is a leave system that helps employees take time off and concentrate on childcare until their child is one year old. Working from Home or Telework (Zaitaku-seido)It is a system that allows you to work from home without having to come to the office. This system is often found in IT-related jobs such as web designers and system engineers, also in sales-related jobs such as inside sales and customer support services. Choose your own PCThis is a system that allows employees to freely choose a pc from the types of pc that the company prepares.ConclusionIn addition to the welfare that we have introduced, some companies have different types of welfare. Japan’s welfare program is fulfilling worldwide, and it can be said to be one of the merits of working as an employee in Japan.IT engineers who are looking for work or change jobs for a Japanese company, please register with G Talent, a recruitment agency specializing in IT engineers. A professional consultant will support you in changing jobs for free.