{"id":38464,"date":"2026-06-24T17:12:54","date_gmt":"2026-06-24T16:12:54","guid":{"rendered":"https:\/\/smart.stream\/%e3%83%97%e3%83%ac%e3%83%83%e3%82%b7%e3%83%a3%e3%83%bc%e4%b8%8b%e3%81%ae%e6%b1%ba%e6%b8%88%ef%bc%9a%e7%ab%b6%e4%ba%89%e3%80%81%e3%82%b3%e3%82%b9%e3%83%88%e3%80%81%e6%99%82%e9%96%93%e3%80%81%e8%a4%87\/"},"modified":"2026-06-24T17:12:54","modified_gmt":"2026-06-24T16:12:54","slug":"payments-under-pressure-competition-cost-time-and-complexity","status":"publish","type":"post","link":"https:\/\/smart.stream\/ja\/payments-under-pressure-competition-cost-time-and-complexity\/","title":{"rendered":"\u30d7\u30ec\u30c3\u30b7\u30e3\u30fc\u4e0b\u306e\u6c7a\u6e08\uff1a\u7af6\u4e89\u3001\u30b3\u30b9\u30c8\u3001\u6642\u9593\u3001\u8907\u96d1\u6027"},"content":{"rendered":"<div class=\"right\">\n<p>\u8457\u8005\uff1aRoland Brandli\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6226\u7565\u30c7\u30a3\u30ec\u30af\u30bf\u30fc\u3001Smartstream<\/p>\n<p>\u4eca\u9031\u30c9\u30d0\u30a4\u3067\u958b\u50ac\u3055\u308c\u305fMEA Finance Banking Technology Summit\u306b\u304a\u3044\u3066\u3001\u79c1\u306f\u30d1\u30cd\u30eb\u30c7\u30a3\u30b9\u30ab\u30c3\u30b7\u30e7\u30f3\u306b\u53c2\u52a0\u3057\u307e\u3057\u305f\u304c\u3001\u8b70\u8ad6\u306f\u5e38\u306b\u540c\u3058\u8ad6\u70b9\u306b\u7acb\u3061\u623b\u308a\u307e\u3057\u305f\u3002\u6c7a\u6e08\u306f\u4e00\u7a2e\u985e\u306e\u30d7\u30ec\u30c3\u30b7\u30e3\u30fc\u3092\u53d7\u3051\u3066\u3044\u308b\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u540c\u6642\u306b4\u3064\u306e\u30d7\u30ec\u30c3\u30b7\u30e3\u30fc\u3092\u53d7\u3051\u3066\u3044\u308b\u306e\u3067\u3059\u3002\u305d\u3057\u3066\u3001\u91d1\u878d\u6a5f\u95a2\u304c\u305d\u308c\u305e\u308c\u306b\u3069\u306e\u3088\u3046\u306b\u5bfe\u5fdc\u3059\u308b\u304b\u304c\u30015\u5e74\u5f8c\u306e\u696d\u52d9\u306e\u7acb\u3061\u4f4d\u7f6e\u3092\u6c7a\u5b9a\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002   <\/p>\n<\/div>\n<h4>\u7af6\u4e89\u306f\u65b0\u305f\u306a\u9818\u57df\u306b\u79fb\u884c\u3057\u3066\u3044\u307e\u3059<\/h4>\n<div class=\"right\">\n<p>\u9280\u884c\u306f\u5e38\u306b\u6c7a\u6e08\u306b\u304a\u3044\u3066\u7af6\u4e89\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u6c7a\u6e08\u3001\u56fd\u5185\u30af\u30ea\u30a2\u30ea\u30f3\u30b0\u3001\u5730\u57df\u30b9\u30ad\u30fc\u30e0\uff1a\u3053\u308c\u3089\u306f\u99b4\u67d3\u307f\u306e\u3042\u308b\u6226\u5834\u3067\u3059\u3002\u5909\u5316\u3057\u305f\u306e\u306f\u3001\u8ab0\u304c\u53c2\u5165\u3057\u3066\u304d\u3066\u3044\u308b\u304b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002Mastercard\u3084Visa\u3092\u542b\u3080\u30b9\u30ad\u30fc\u30e0\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306f\u3001\u4ee5\u524d\u306f\u9280\u884c\u306b\u4efb\u305b\u3066\u3044\u305f\u9818\u57df\u306b\u9032\u51fa\u3057\u3066\u3044\u307e\u3059\u3002\u4e00\u65b9\u3001\u591a\u56fd\u7c4d\u4f01\u696d\u306f\u5168\u304f\u7570\u306a\u308b\u554f\u3044\u3092\u6295\u3052\u304b\u3051\u3066\u3044\u307e\u3059\uff1a\u306a\u305c\u30b3\u30eb\u30ec\u30b9\u9280\u884c\u30c1\u30a7\u30fc\u30f3\u3092\u4f7f\u3046\u5fc5\u8981\u304c\u3042\u308b\u306e\u304b\u3001\u3068\u3002    <\/p>\n<p>\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u3068\u30d7\u30ed\u30b0\u30e9\u30de\u30d6\u30eb\u6c7a\u6e08\u306f\u3001\u3053\u306e\u554f\u3044\u3092\u73fe\u5b9f\u306e\u3082\u306e\u306b\u3057\u3066\u3044\u307e\u3059\u3002\u7d44\u7e54\u5185\u3001\u307e\u305f\u306f\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u30d9\u30fc\u30b9\u5168\u4f53\u3067\u3001\u5f93\u6765\u306e\u30ec\u30fc\u30eb\u306b\u89e6\u308c\u308b\u3053\u3068\u306a\u304f\u30b0\u30ed\u30fc\u30d0\u30eb\u306b\u8cc7\u91d1\u3092\u79fb\u52d5\u3055\u305b\u308b\u3053\u3068\u306f\u3001\u3082\u306f\u3084\u30db\u30ef\u30a4\u30c8\u30da\u30fc\u30d1\u30fc\u3067\u8b70\u8ad6\u3055\u308c\u308b\u6982\u5ff5\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u30d1\u30a4\u30ed\u30c3\u30c8\u904b\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u3001\u3059\u3067\u306b\u7a3c\u50cd\u3057\u3066\u3044\u307e\u3059\u3002   <\/p>\n<p>\u6700\u7d42\u7684\u306b\u3069\u3053\u306b\u843d\u3061\u7740\u304f\u304b\u306f\u3001\u771f\u306b\u4e0d\u78ba\u5b9f\u3067\u3059\u3002\u30b9\u30c6\u30fc\u30d6\u30eb\u30b3\u30a4\u30f3\u306b\u95a2\u3059\u308b\u898f\u5236\u306e\u5883\u754c\u7dda\u306f\u898b\u3048\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u305d\u306e\u5883\u754c\u7dda\u5185\u3067\u306e\u8cc7\u91d1\u306e\u6d41\u308c\u304c\u3069\u306e\u3088\u3046\u306a\u3082\u306e\u306b\u306a\u308a\u3001\u9280\u884c\u304c\u3069\u3053\u306b\u4f4d\u7f6e\u3059\u308b\u304b\u306f\u3001\u307e\u3060\u672a\u5b9a\u3067\u3059\u3002\u5b8c\u5168\u306a\u660e\u78ba\u6027\u3092\u5f85\u3063\u3066\u304b\u3089\u696d\u52d9\u306e\u6e96\u5099\u3092\u59cb\u3081\u308b\u91d1\u878d\u6a5f\u95a2\u306f\u3001\u624b\u9045\u308c\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002   <\/p>\n<\/div>\n<h4>\u30b3\u30b9\u30c8\u306f\u3001\u307b\u3068\u3093\u3069\u306e\u696d\u52d9\u4e88\u7b97\u304c\u53cd\u6620\u3057\u3066\u3044\u308b\u3088\u308a\u3082\u9ad8\u304f\u306a\u3063\u3066\u3044\u307e\u3059<\/h4>\n<div class=\"right\">\n<p>\u73fe\u4ee3\u306e\u6c7a\u6e08\u696d\u52d9\u306f\u3001\u8907\u6570\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3092\u4e26\u884c\u3057\u3066\u904b\u7528\u3057\u3066\u3044\u307e\u3059\uff1a\u30af\u30ed\u30b9\u30dc\u30fc\u30c0\u30fc\u30b7\u30b9\u30c6\u30e0\u3001\u30ed\u30fc\u30ab\u30eb\u304a\u3088\u3073\u5730\u57df\u30af\u30ea\u30a2\u30ea\u30f3\u30b0\u3001\u5373\u6642\u6c7a\u6e08\u30ec\u30fc\u30eb\u3002\u305d\u308c\u305e\u308c\u304c\u72ec\u81ea\u306e\u7d71\u5408\u8981\u4ef6\u3001\u72ec\u81ea\u306e\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u30b9\u30bf\u30c3\u30af\uff08KYC\u3001AML\u3001\u4e8b\u524d\u627f\u8a8d\u3001\u6d41\u52d5\u6027\u7ba1\u7406\uff09\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u3059\u3079\u3066\u3092\u6700\u65b0\u306e\u72b6\u614b\u306b\u4fdd\u3064\u305f\u3081\u306e\u7d2f\u7a4d\u30b3\u30b9\u30c8\u306f\u3001\u5927\u304d\u304f\u3001\u304b\u3064\u5897\u5927\u3057\u3066\u3044\u307e\u3059\u3002  <\/p>\n<p>\u3057\u304b\u3057\u3001\u904e\u5c0f\u8a55\u4fa1\u3055\u308c\u304c\u3061\u306a\u30b3\u30b9\u30c8\u306f\u3001\u4f8b\u5916\u7ba1\u7406\u3067\u3059\u3002\u5931\u6557\u3001\u30d5\u30e9\u30b0\u4ed8\u3051\u3001\u307e\u305f\u306f\u81ea\u52d5\u51e6\u7406\u30d5\u30ed\u30fc\u304b\u3089\u5916\u308c\u305f\u6c7a\u6e08\u306f\u3001\u4f9d\u7136\u3068\u3057\u3066\u4e3b\u306b\u4eba\u306e\u624b\u3067\u89e3\u6c7a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u62c5\u5f53\u8005\u306f\u53d6\u5f15\u76f8\u624b\u3092\u8ffd\u8de1\u3057\u3001\u975e\u69cb\u9020\u5316\u30e1\u30c3\u30bb\u30fc\u30b8\u3092\u51e6\u7406\u3057\u3001\u7d50\u679c\u3092\u624b\u4f5c\u696d\u3067\u7167\u5408\u3057\u307e\u3059\u3002\u591a\u304f\u306e\u696d\u52d9\u306b\u304a\u3044\u3066\u3001\u4eba\u54e1\u306e\u76f8\u5f53\u90e8\u5206\u304c\u3053\u306e\u4f5c\u696d\u306b\u5f93\u4e8b\u3057\u3066\u3044\u307e\u3059\u3002\u9867\u5ba2\u6e80\u8db3\u5ea6\u30ea\u30b9\u30af\u306e\u76f8\u5f53\u90e8\u5206\u3082\u540c\u69d8\u3067\u3059\u3002    <\/p>\n<p><a href=\"https:\/\/smart.stream\/ja\/solutions\/smart-agents\/\" data-auth=\"NotApplicable\">Smart Agents<\/a>\u306f\u3001\u3053\u3053\u3067\u6e2c\u5b9a\u53ef\u80fd\u306a\u9055\u3044\u3092\u751f\u307f\u51fa\u3057\u3066\u3044\u307e\u3059\u3002\u4f8b\u5916\u7ba1\u7406\u30b3\u30b9\u30c8\u304c50~70%\u524a\u6e1b\u3055\u308c\u3001AI\u304c\u624b\u4f5c\u696d\u306e\u8ca0\u8377\u3092\u5f15\u304d\u53d7\u3051\u308b\u3053\u3068\u3067\u3001\u696d\u52d9\u30c1\u30fc\u30e0\u306f\u5b9f\u969b\u306b\u5224\u65ad\u3092\u5fc5\u8981\u3068\u3059\u308b\u610f\u601d\u6c7a\u5b9a\u306b\u96c6\u4e2d\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002 <\/p>\n<\/div>\n<h4>\u6642\u9593\u306f\u304b\u3064\u3066\u30ea\u30bd\u30fc\u30b9\u3067\u3057\u305f\u3002\u4eca\u3067\u306f\u5236\u7d04\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002 <\/h4>\n<div class=\"right\">\n<p>\u9280\u884c\u696d\u52d9\u306e\u6b74\u53f2\u306e\u5927\u90e8\u5206\u306b\u304a\u3044\u3066\u3001\u6c7a\u6e08\u30b5\u30a4\u30af\u30eb\u306f\u696d\u52d9\u30c1\u30fc\u30e0\u306b\u4f5c\u696d\u306e\u4f59\u5730\u3092\u4e0e\u3048\u3066\u3044\u307e\u3057\u305f\u3002\u30a8\u30e9\u30fc\u306f\u691c\u51fa\u3055\u308c\u3001\u4fee\u6b63\u3055\u308c\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3057\u305f\u3002\u6d41\u52d5\u6027\u306f\u7ba1\u7406\u3055\u308c\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3057\u305f\u3002\u4f8b\u5916\u306f\u3001\u4f55\u304b\u304c\u7dca\u6025\u306b\u306a\u308b\u524d\u306b\u8abf\u67fb\u3055\u308c\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3057\u305f\u3002   <\/p>\n<p>\u5373\u6642\u6c7a\u6e08\u306f\u3001\u305d\u306e\u4f59\u5730\u3092\u53d6\u308a\u9664\u304d\u307e\u3057\u305f\u3002\u6c7a\u6e08\u304c\u79d2\u5358\u4f4d\u3067\u6e2c\u5b9a\u3055\u308c\u308b\u5834\u5408\u3001\u4ecb\u5165\u306e\u7a93\u306f\u3001\u307b\u3068\u3093\u3069\u306e\u624b\u4f5c\u696d\u30d7\u30ed\u30bb\u30b9\u304c\u958b\u59cb\u3055\u308c\u308b\u524d\u306b\u9589\u3058\u3066\u3057\u307e\u3044\u307e\u3059\u3002 <\/p>\n<p>\u3053\u308c\u306b\u5bfe\u51e6\u3059\u308b\u306b\u306f\u3001\u30b9\u30d4\u30fc\u30c9\u4ee5\u4e0a\u306e\u3082\u306e\u304c\u5fc5\u8981\u3067\u3059\u3002\u4f8b\u5916\u89e3\u6c7a\u304b\u3089\u624b\u4f5c\u696d\u306e\u30b9\u30c6\u30c3\u30d7\u3092\u5b8c\u5168\u306b\u53d6\u308a\u9664\u304d\u3001\u4eba\u9593\u306e\u5224\u65ad\u304c\u5fc5\u8981\u306a\u5834\u5408\u306b\u3001\u9577\u3044\u8abf\u67fb\u306e\u958b\u59cb\u6642\u3067\u306f\u306a\u304f\u3001\u9078\u629e\u306e\u77ac\u9593\u306b\u62c5\u5f53\u8005\u304c\u95a2\u4e0e\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u76ee\u6a19\u306f\u3001\u6c7a\u6e08\u696d\u52d9\u304b\u3089\u4eba\u3092\u6392\u9664\u3059\u308b\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6a5f\u68b0\u306b\u306f\u3067\u304d\u306a\u3044\u3053\u3068\u3092\u4ed8\u52a0\u3067\u304d\u308b\u5834\u6240\u306b\u4eba\u3092\u914d\u7f6e\u3059\u308b\u3053\u3068\u3067\u3059\u3002   <\/p>\n<\/div>\n<h4>\u8907\u96d1\u6027\u306f\u3001\u5c02\u9580\u77e5\u8b58\u304c\u8ffd\u3044\u3064\u304f\u3088\u308a\u3082\u901f\u304f\u8907\u5408\u5316\u3057\u3066\u3044\u307e\u3059<\/h4>\n<div class=\"right\">\n<p>\u91d1\u878d\u6a5f\u95a2\u304c\u8ffd\u52a0\u3059\u308b\u65b0\u3057\u3044\u6c7a\u6e08\u30ec\u30fc\u30eb\u3054\u3068\u306b\u3001\u7d71\u5408\u4f5c\u696d\u3001\u30e1\u30f3\u30c6\u30ca\u30f3\u30b9\u306e\u30aa\u30fc\u30d0\u30fc\u30d8\u30c3\u30c9\u3001\u305d\u3057\u3066\u305d\u306e\u30ec\u30fc\u30eb\u304c\u3069\u306e\u3088\u3046\u306b\u52d5\u4f5c\u3059\u308b\u304b\uff08\u6280\u8853\u7684\u3001\u904b\u7528\u7684\u3001\u304a\u3088\u3073\u969c\u5bb3\u306e\u89b3\u70b9\u304b\u3089\uff09\u3092\u7406\u89e3\u3059\u308b\u4eba\u6750\u306e\u5fc5\u8981\u6027\u304c\u751f\u3058\u307e\u3059\u3002\u554f\u984c\u306f\u3001\u30ec\u30fc\u30eb\u304c\u305d\u308c\u3089\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u4eba\u6750\u30d7\u30fc\u30eb\u3088\u308a\u3082\u901f\u304f\u5897\u52a0\u3057\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u3002 <\/p>\n<p>\u7b54\u3048\u306e\u4e00\u90e8\u306f\u3001\u7d44\u7e54\u306e\u77e5\u8b58\u3092\u4eba\u306b\u6b8b\u3059\u306e\u3067\u306f\u306a\u304f\u3001\u30b7\u30b9\u30c6\u30e0\u306b\u53d6\u308a\u8fbc\u3080\u3053\u3068\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u30a2\u30fc\u30ad\u30c6\u30af\u30c1\u30e3\u3082\u540c\u69d8\u306b\u91cd\u8981\u3067\u3042\u308a\u3001\u3053\u3053\u3067AI\u306e\u8b70\u8ad6\u306f\u8907\u96d1\u306b\u306a\u308a\u307e\u3059\u3002 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   <\/p>\n<\/div>\n<h4>Smartstream\u304c\u6c7a\u6e08\u696d\u52d9\u3092\u3069\u306e\u3088\u3046\u306b\u652f\u63f4\u3059\u308b\u304b<\/h4>\n<div class=\"right\">\n<p>\u3053\u308c\u30894\u3064\u306e\u30d7\u30ec\u30c3\u30b7\u30e3\u30fc\u306f\u3001\u81ea\u7136\u306b\u89e3\u6c7a\u3055\u308c\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u5171\u901a\u306e\u7cf8\u304c\u3042\u308a\u307e\u3059\uff1a\u696d\u52d9\u30aa\u30fc\u30d0\u30fc\u30d8\u30c3\u30c9\u304c\u53d6\u5f15\u91cf\u306b\u6bd4\u4f8b\u3057\u3066\u5897\u52a0\u3059\u308b\u3053\u3068\u306a\u304f\u3001\u3059\u3079\u3066\u306e\u6c7a\u6e08\u30ec\u30fc\u30eb\u306b\u308f\u305f\u3063\u3066\u7ba1\u7406\u3092\u884c\u3046\u5fc5\u8981\u6027\u3067\u3059\u3002 <\/p>\n<p><a href=\"https:\/\/smart.stream\/ja\/solutions\/smart-payments\/\" data-auth=\"NotApplicable\">Smart Payments<\/a>\u306f\u3001\u696d\u52d9\u30c1\u30fc\u30e0\u306b\u8907\u6570\u306e\u30ec\u30fc\u30eb\u306b\u308f\u305f\u308b\u5358\u4e00\u306e\u7ba1\u7406\u30dd\u30a4\u30f3\u30c8\u3092\u63d0\u4f9b\u3057\u3001\u81ea\u52d5\u5316\u3055\u308c\u305f\u4f8b\u5916\u7ba1\u7406\u3068\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u306e\u53ef\u8996\u6027\u3092\u5b9f\u73fe\u3057\u307e\u3059\u3002<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u8457\u8005\uff1aRoland Brandli\u3001\u30b0\u30ed\u30fc\u30d0\u30eb\u6226\u7565\u30c7\u30a3\u30ec\u30af\u30bf\u30fc\u3001Smartstream \u4eca\u9031\u30c9\u30d0\u30a4\u3067\u958b\u50ac\u3055\u308c\u305fMEA Finance Banking Technology Summit\u306b\u304a\u3044\u3066\u3001\u79c1\u306f\u30d1\u30cd\u30eb\u30c7\u30a3\u30b9\u30ab\u30c3\u30b7\u30e7\u30f3 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":38465,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"global_tag":[846,818,374,162,843],"class_list":["post-38464","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorised","global_tag-06-june-2026","global_tag-818","global_tag-blogs","global_tag-roland-braendli","global_tag-smart-payments"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Roland Brandli\u304c\u3001\u6c7a\u6e08\u696d\u52d9\u3092\u518d\u69cb\u7bc9\u3059\u308b4\u3064\u306e\u30d7\u30ec\u30c3\u30b7\u30e3\u30fc\u3068\u3001AI\u99c6\u52d5\u578b\u81ea\u52d5\u5316\u304c\u91d1\u878d\u6a5f\u95a2\u306e\u5bfe\u5fdc\u3092\u3069\u306e\u3088\u3046\u306b\u652f\u63f4\u3057\u3066\u3044\u308b\u304b\u3092\u63a2\u308a\u307e\u3059\u3002\" 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This work absorbs a substantial portion of operations headcount and carries significant customer satisfaction risk.\" } }, { \"@type\": \"Question\", \"name\": \"How is AI reducing exception management costs in payments?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"Smartstream Smart Agents automates the manual workload of exception investigation and resolution, delivering exception management cost reductions of 50 to 70 per cent. This frees operations teams to focus on decisions that require human judgement rather than routine case handling.\" } }, { \"@type\": \"Question\", \"name\": \"What operational challenge does instant payments create for banks?\", \"acceptedAnswer\": { \"@type\": \"Answer\", \"text\": \"When settlement is measured in seconds, the window to intervene on a failed or flagged payment closes before most manual processes have started. 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It covers SWIFT, SEPA, ISO 20022, cards, ATM, and instant payment rails in one unified platform.\" } } ] }"}],"default":{"data":{"Article":{"id":"#aioseo-article-mqs9u6jr","slug":"article","graphName":"Article","label":"Article","properties":{"type":"BlogPosting","name":"Payments Under Pressure: Competition, Cost, Time and Complexity","headline":"Payments Under Pressure: Competition, Cost, Time and Complexity","description":"Smartstream blog examining how banks and payment institutions can address rising exception management costs, instant payment constraints, and multi-rail complexity using Smart Agents and Smart Payments.","image":"https:\/\/smart.stream\/wp-content\/uploads\/2026\/06\/2026-06-24-blog-payments-under-pressure-roland.jpg","keywords":"","author":{"name":"#author_name","url":"#author_url"},"dates":{"include":true,"datePublished":"","dateModified":""}}},"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-06-24 16:19:47","breadcrumb_settings":null,"limit_modified_date":false,"open_ai":null,"ai":{"faqs":[],"keyPoints":[],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-06-24 17:17:25","updated":"2026-06-24 17:17:25"},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/smart.stream\/ja\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">|<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/smart.stream\/category\/uncategorised\/\" title=\"Uncategorised\">Uncategorised<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">|<\/span><span class=\"aioseo-breadcrumb\">\n\t\u30d7\u30ec\u30c3\u30b7\u30e3\u30fc\u4e0b\u306e\u6c7a\u6e08\uff1a\u7af6\u4e89\u3001\u30b3\u30b9\u30c8\u3001\u6642\u9593\u3001\u8907\u96d1\u6027\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/smart.stream\/ja\/"},{"label":"Uncategorised","link":"https:\/\/smart.stream\/category\/uncategorised\/"},{"label":"\u30d7\u30ec\u30c3\u30b7\u30e3\u30fc\u4e0b\u306e\u6c7a\u6e08\uff1a\u7af6\u4e89\u3001\u30b3\u30b9\u30c8\u3001\u6642\u9593\u3001\u8907\u96d1\u6027","link":"https:\/\/smart.stream\/ja\/payments-under-pressure-competition-cost-time-and-complexity\/"}],"_links":{"self":[{"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/posts\/38464","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/comments?post=38464"}],"version-history":[{"count":0,"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/posts\/38464\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/media\/38465"}],"wp:attachment":[{"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/media?parent=38464"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/categories?post=38464"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/tags?post=38464"},{"taxonomy":"global_tag","embeddable":true,"href":"https:\/\/smart.stream\/ja\/wp-json\/wp\/v2\/global_tag?post=38464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}