[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"article:konbini-atm-banking":3},{"meta":4,"markdown":67,"quiz":68},{"type":5,"articleId":6,"slug":7,"title":8,"titleEn":9,"category":10,"summary":11,"publishedAt":12,"image":13,"vocabulary":14,"quizId":66},"article","living-konbini-atm-banking","konbini-atm-banking","コンビニATMと電子マネー — 現金とキャッシュレスのハイブリッド生活","Convenience Stores as Banks: ATMs, IC Cards, and Cashless Life","living-in-japan","Practical guide to Japan's hybrid cash\u002Fcashless ecosystem for foreign engineers: 24-hour Seven Bank ATMs (with overseas-card support), Lawson Bank, and Yucho ATMs; transit IC cards (Suica\u002FPASMO\u002FICOCA) and the nationwide mutual-use scheme; the QR-payment \"big four\" (PayPay, Rakuten Pay, d Payment, au PAY); credit-card touch payments; barcode utility-bill payments at convenience stores; the government's 40 % cashless target for 2025; and overseas Visa\u002FMastercard cash advances at konbini ATMs.\n","2026-04-28T00:00:00Z","https:\u002F\u002Fimages.yamiyomi.com\u002Fliving-konbini-atm-banking.png",[15,20,25,30,34,38,42,46,50,54,58,62],{"word":16,"reading":17,"meaning":18,"level":19},"現金","げんきん","cash","N3",{"word":21,"reading":22,"meaning":23,"level":24},"引出","ひきだし","withdrawal","N2",{"word":26,"reading":27,"meaning":28,"level":29},"振込手数料","ふりこみてすうりょう","transfer fee","N1",{"word":31,"reading":32,"meaning":33,"level":29},"相互利用","そうごりよう","mutual use",{"word":35,"reading":36,"meaning":37,"level":29},"交通系","こうつうけい","transit (IC card category)",{"word":39,"reading":40,"meaning":41,"level":24},"電子マネー","でんしマネー","electronic money",{"word":43,"reading":44,"meaning":45,"level":29},"決済","けっさい","settlement",{"word":47,"reading":48,"meaning":49,"level":29},"還元","かんげん","cashback",{"word":51,"reading":52,"meaning":53,"level":29},"普及率","ふきゅうりつ","penetration rate",{"word":55,"reading":56,"meaning":57,"level":24},"公共料金","こうきょうりょうきん","utility bills",{"word":59,"reading":60,"meaning":61,"level":24},"入金","にゅうきん","deposit",{"word":63,"reading":64,"meaning":65,"level":29},"海外発行","かいがいはっこう","overseas-issued","living-konbini-atm-banking-quiz","\n::para\n[日本]{にほん:Japan:N5}は[長年]{ながねん:long-standing:N5}「[現金]{げんきん:cash:N3}[大国]{たいこく:major nation:N5}」と[呼ばれて]{よばれて:to be called:N3}きましたが、[2020]{にせんにじゅう:2020}[年代]{ねんだい:decade:N4}に[入って]{はいって:to enter:N5}から[急速]{きゅうそく:rapid:N3}に[キャッシュレス]{キャッシュレス:cashless}[化]{か:-ization:N3}が[進んで]{すすんで:to advance:N3}います。とはいえ、[完全]{かんぜん:complete:N3}な[キャッシュレス]{キャッシュレス:cashless}[社会]{しゃかい:society:N4}には[至って]{いたって:to reach:N1}おらず、[現金]{げんきん:cash:N3}と[電子]{でんし:electronic:N5}[決済]{けっさい:payment:N3}を[使い分ける]{つかいわける:to use according to situation:N4}「ハイブリッド」[運用]{うんよう:operation:N4}が[主流]{しゅりゅう:mainstream:N3}です。[本記事]{ほんきじ:this article:N3}では、[外国人]{がいこくじん:foreigner:N5}エンジニアの[実生活]{じっせいかつ:real life:N3}に[直結]{ちょっけつ:directly connected:N1}する[コンビニ]{コンビニ:convenience store}ATM、[交通系]{こうつうけい:transit:N1}IC[カード]{カード:card}、QR[決済]{けっさい:payment:N3}、[公共]{こうきょう:public:N3}[料金]{りょうきん:fees:N4}[支払い]{しはらい:payment:N3}、そして[政府]{せいふ:government:N2}の[キャッシュレス]{キャッシュレス:cashless}[政策]{せいさく:policy:N1}までを[体系的]{たいけいてき:systematically:N1}に[整理]{せいり:to organize:N1}します。\n\n#en\nJapan has long been called a \"cash superpower,\" but cashless adoption has accelerated rapidly since the early 2020s. Even so, society has not become fully cashless — a hybrid model that switches between cash and electronic payment is the mainstream way of life. This article systematically covers the things that directly affect a foreign engineer's daily life: convenience-store ATMs, transit IC cards, QR payments, utility-bill payments, and the government's cashless policy.\n::\n\n::heading\n[コンビニ]{コンビニ:convenience store}ATMの[3]{さん:three}[強]{きょう:strong players:N4}\n\n#en\nThe Three Major Convenience-Store ATM Networks\n::\n\n::para\n[日本]{にほん:Japan:N5}の[全国]{ぜんこく:nationwide:N3}コンビニATM[市場]{しじょう:market:N3}は[実質]{じっしつ:effectively:N3}[3]{さん:three}つのプレイヤーで[占められて]{しめられて:to be occupied:N2}います。[第一]{だいいち:first:N1}に[セブン]{セブン:Seven}[銀行]{ぎんこう:bank:N4}ATM（セブン-イレブン[店舗]{てんぽ:store:N1}・[駅]{えき:station:N4}・[商業]{しょうぎょう:commercial:N3}[施設]{しせつ:facility:N1}に[全国]{ぜんこく:nationwide:N3}[2]{に:2}[万]{まん:ten thousand:N5}[6千]{ろくせん:6,000:N5}[台]{だい:units:N4}[超]{ちょう:over:N2}[設置]{せっち:to install:N2}）。[24]{にじゅうよ:24}[時間]{じかん:hours:N5}[365]{さんびゃくろくじゅうご:365}[日]{にち:days:N5}[稼働]{かどう:to operate:N1}し、[海外]{かいがい:overseas:N4}[発行]{はっこう:issued:N4}カード（VISA、Mastercard、UnionPay、JCB[等]{とう:etc.:N3}）にも[対応]{たいおう:to support:N1}しているため、[来日]{らいにち:arrival in Japan:N5}[直後]{ちょくご:immediately after:N3}の[外国人]{がいこくじん:foreigner:N5}が[最初]{さいしょ:first:N3}に[利用]{りよう:to use:N3}するATMとなることが[多い]{おおい:many:N4}です。[第二]{だいに:second:N1}に[ローソン]{ローソン:Lawson}[銀行]{ぎんこう:bank:N4}ATM、[第三]{だいさん:third:N1}に[イーネット]{イーネット:E-net}（[ファミリーマート]{ファミリーマート:FamilyMart}・[ミニストップ]{ミニストップ:MiniStop}[等]{とう:etc.:N3}に[展開]{てんかい:to deploy:N1}）が[続き]{つづき:to follow:N3}ます。\n\n#en\nJapan's nationwide convenience-store ATM market is effectively dominated by three players. First is Seven Bank ATM, with over 26,000 machines installed in Seven-Eleven stores, train stations, and commercial facilities nationwide. Operating 24\u002F7\u002F365 and supporting overseas-issued cards (VISA, Mastercard, UnionPay, JCB, etc.), it is often the first ATM that newly arrived foreigners use. Second is Lawson Bank ATM, and third is E-net (deployed in FamilyMart, MiniStop, etc.).\n::\n\n::callout\n[実務]{じつむ:practical:N3}ポイント：[海外]{かいがい:overseas:N4}[発行]{はっこう:issued:N4}カードでの[現金]{げんきん:cash:N3}[引出]{ひきだし:withdrawal:N3}は、セブン[銀行]{ぎんこう:bank:N4}ATMが[圧倒的]{あっとうてき:overwhelmingly:N2}に[対応]{たいおう:supported:N1}[ブランド]{ブランド:brand}が[多く]{おおく:many:N4}・[英語]{えいご:English:N4}・[中国語]{ちゅうごくご:Chinese:N5}・[韓国語]{かんこくご:Korean:N2}など[多言語]{たげんご:multilingual:N4}メニューも[充実]{じゅうじつ:substantial:N1}。[キャッシュ]{キャッシュ:cash}カードを[忘れた]{わすれた:forgot:N3}ときは[まず]{まず:first}セブンを[探す]{さがす:to search:N3}のが[鉄則]{てっそく:iron rule:N2}。\n\n#en\nPractical tip: for cash withdrawals with overseas-issued cards, Seven Bank ATM supports overwhelmingly the most brands and offers a fully fleshed-out multilingual menu (English, Chinese, Korean, etc.). The iron rule when you've forgotten your cash card is: look for a Seven first.\n::\n\n::heading\n[ゆうちょ]{ゆうちょ:Japan Post Bank}ATMの[特殊性]{とくしゅせい:unique nature:N1}\n\n#en\nThe Special Role of Yucho ATMs\n::\n\n::para\n[ゆうちょ]{ゆうちょ:Japan Post Bank}[銀行]{ぎんこう:bank:N4}ATMは[全国]{ぜんこく:nationwide:N3}の[郵便]{ゆうびん:postal:N2}[局]{きょく:office:N3}に[約]{やく:approximately:N3}[3]{さん:three}[万]{まん:ten thousand:N5}[2千]{にせん:2,000:N5}[台]{だい:units:N4}[設置]{せっち:to install:N2}されており、[コンビニ]{コンビニ:convenience store}ATMと[並ぶ]{ならぶ:to rival:N2}[全国]{ぜんこく:nationwide:N3}[網]{もう:network:N1}を[誇り]{ほこり:to boast:N1}ます。[最大]{さいだい:greatest:N3}の[特徴]{とくちょう:characteristic:N1}は、[ゆうちょ]{ゆうちょ:Japan Post Bank}[同士]{どうし:same-party:N1}の[振込]{ふりこみ:transfer:N1}・[引出]{ひきだし:withdrawal:N3}が[平日]{へいじつ:weekdays:N3}[日中]{にっちゅう:daytime:N5}は[手数料]{てすうりょう:fees:N3}[無料]{むりょう:free:N4}である[点]{てん:point:N3}です。[地方]{ちほう:rural:N4}・[離島]{りとう:remote islands:N1}でも[必ず]{かならず:always:N3}[利用]{りよう:available:N3}できる[安心感]{あんしんかん:peace of mind:N3}があり、[公共料金]{こうきょうりょうきん:utility bills:N3}の[払込]{はらいこみ:payment:N3}や[年金]{ねんきん:pension:N5}[受給]{じゅきゅう:receipt:N3}など[公的]{こうてき:public:N4}[手続き]{てつづき:procedures:N3}との[親和性]{しんわせい:affinity:N3}も[高い]{たかい:high:N5}ため、[多く]{おおく:many:N4}の[高齢]{こうれい:elderly:N2}[層]{そう:demographic:N2}や[個人]{こじん:individual:N2}[事業]{じぎょう:business:N4}[主]{ぬし:owner:N4}が[メイン]{メイン:main}[口座]{こうざ:account:N3}として[使い続けて]{つかいつづけて:to keep using:N3}います。\n\n#en\nJapan Post Bank (Yucho) ATMs are deployed at post offices nationwide — about 32,000 units — and rival the convenience-store networks for nationwide reach. Their greatest characteristic is that Yucho-to-Yucho transfers and withdrawals are fee-free during weekday daytime hours. Their guaranteed availability even in rural areas and remote islands provides peace of mind, and they pair well with public procedures such as utility-bill payments and pension receipt — so many elderly users and sole proprietors keep them as their main account.\n::\n\n::heading\n[振込]{ふりこみ:transfer:N1}[手数料]{てすうりょう:fees:N3}の[低下]{ていか:decline:N2}トレンド\n\n#en\nThe Downward Trend in Transfer Fees\n::\n\n::para\n[長らく]{ながらく:for a long time:N5}[日本]{にほん:Japan:N5}の[銀行]{ぎんこう:bank:N4}[振込]{ふりこみ:transfer:N1}[手数料]{てすうりょう:fees:N3}は[1]{いっ:one}[件]{けん:transaction:N3}[数百]{すうひゃく:several hundred:N3}[円]{えん:yen:N5}が[常識]{じょうしき:common knowledge:N3}でしたが、[2021]{にせんにじゅういち:2021}[年]{ねん:year:N5}[10]{じゅう:10}[月]{がつ:October:N5}の[全国]{ぜんこく:national:N3}[銀行]{ぎんこう:bank:N4}[協会]{きょうかい:association:N2}による[銀行間]{ぎんこうかん:inter-bank:N4}[手数料]{てすうりょう:fees:N3}（[内国為替]{ないこくかわせ:domestic exchange:N1}[制度]{せいど:system:N3}）の[引下げ]{ひきさげ:reduction:N3}を[契機]{けいき:trigger:N1}に、[各行]{かくこう:each bank:N2}の[エンドユーザー]{エンドユーザー:end user}[向け]{むけ:directed at:N3}[手数料]{てすうりょう:fees:N3}も[大幅]{おおはば:substantially:N2}に[低下]{ていか:to decline:N2}しました。[現在]{げんざい:currently:N3}、ネット[銀行]{ぎんこう:bank:N4}では[他行]{たこう:other bank:N3}[宛]{あて:to:N1}でも[月]{つき:month:N5}[数]{すう:several:N3}[回]{かい:times:N3}[無料]{むりょう:free:N4}が[一般化]{いっぱんか:standard:N2}し、メガバンクでも[3]{さん:three}[万]{まん:ten thousand:N5}[円]{えん:yen:N5}[未満]{みまん:less than:N3}の[他行]{たこう:other bank:N3}[振込]{ふりこみ:transfer:N1}が[150]{ひゃくごじゅう:150}[円]{えん:yen:N5}[前後]{ぜんご:around:N5}まで[下がりました]{さがりました:to fall:N5}。\n\n#en\nFor a long time it was common sense in Japan that a bank transfer cost several hundred yen per transaction. But after the Japanese Bankers Association cut the inter-bank fee (the domestic-exchange system) in October 2021, the end-user-facing fees at each bank also dropped substantially. Currently, several free monthly transfers to other banks are standard at internet banks, and even at megabanks, transfers under 30,000 yen to other banks have fallen to around 150 yen.\n::\n\n::heading\n[交通系]{こうつうけい:transit:N1}IC[カード]{カード:card}と[全国]{ぜんこく:nationwide:N3}[相互]{そうご:mutual:N3}[利用]{りよう:use:N3}\n\n#en\nTransit IC Cards and Nationwide Interoperability\n::\n\n::para\n[Suica]{Suica:Suica}（JR[東日本]{ひがしにほん:East Japan:N5}）、[PASMO]{PASMO:PASMO}（[関東]{かんとう:Kanto:N3}[私鉄]{してつ:private railways:N2}）、[ICOCA]{ICOCA:ICOCA}（JR[西日本]{にしにほん:West Japan:N5}）をはじめとする[交通系]{こうつうけい:transit:N1}IC[カード]{カード:card}は、[2013]{にせんじゅうさん:2013}[年]{ねん:year:N5}から「[全国]{ぜんこく:nationwide:N3}[相互]{そうご:mutual:N3}[利用]{りよう:use:N3}サービス」が[開始]{かいし:to begin:N4}され、[全国]{ぜんこく:nationwide:N3}[10]{じゅう:10}[種類]{しゅるい:types:N3}のIC[カード]{カード:card}（Suica、PASMO、ICOCA、PiTaPa、Kitaca、TOICA、manaca、SUGOCA、はやかけん、nimoca）が[相互]{そうご:mutual:N3}に[利用]{りよう:available:N3}できます。[東京]{とうきょう:Tokyo:N4}で[購入]{こうにゅう:to purchase:N1}したSuicaを[大阪]{おおさか:Osaka:N2}の[地下鉄]{ちかてつ:subway:N2}や[福岡]{ふくおか:Fukuoka:N3}の[コンビニ]{コンビニ:convenience store}で[そのまま]{そのまま:as is}[使える]{つかえる:can use:N4}のがこの[制度]{せいど:system:N3}の[最大]{さいだい:greatest:N3}の[利点]{りてん:advantage:N3}で、[出張]{しゅっちょう:business trip:N1}や[国内]{こくない:domestic:N3}[旅行]{りょこう:travel:N4}が[多い]{おおい:many:N4}ビジネス[ユーザー]{ユーザー:user}に[とって]{とって:for}は[必須]{ひっす:essential:N1}の[インフラ]{インフラ:infrastructure}となっています。\n\n#en\nTransit IC cards — Suica (JR East), PASMO (Kanto private railways), ICOCA (JR West) and others — entered a \"Nationwide Mutual Use Service\" in 2013, allowing the country's ten major IC cards (Suica, PASMO, ICOCA, PiTaPa, Kitaca, TOICA, manaca, SUGOCA, Hayakaken, nimoca) to be used interchangeably. The greatest benefit is that a Suica purchased in Tokyo can be used as is on the Osaka subway or in a Fukuoka convenience store. For business users with frequent business trips or domestic travel, this is essential infrastructure.\n::\n\n::para\nIC[カード]{カード:card}は[電車]{でんしゃ:train:N5}・[バス]{バス:bus}の[運賃]{うんちん:fare:N1}[支払い]{しはらい:payment:N3}だけでなく、[コンビニ]{コンビニ:convenience store}、[自販機]{じはんき:vending machine:N2}、[一部]{いちぶ:some:N3}の[飲食店]{いんしょくてん:restaurants:N4}、[駅構内]{えきこうない:in-station:N3}[売店]{ばいてん:shop:N4}などでの[電子]{でんし:electronic:N5}マネー[決済]{けっさい:payment:N3}にも[利用]{りよう:available:N3}できます。[残高]{ざんだか:balance:N3}[上限]{じょうげん:cap:N3}は[2]{に:2}[万]{まん:ten thousand:N5}[円]{えん:yen:N5}と[低めに]{ひくめに:relatively low:N2}[設定]{せってい:to set:N2}されているため、[少額]{しょうがく:small amount:N2}[決済]{けっさい:payment:N3}に[特化]{とっか:to specialize:N3}した[位置付け]{いちづけ:positioning:N3}です。[最近]{さいきん:recently:N3}は[Apple Pay]{Apple Pay:Apple Pay}・Google Pay[等]{とう:etc.:N3}でモバイルSuicaを[搭載]{とうさい:to install:N1}するユーザーが[増え]{ふえ:to increase:N3}、[物理]{ぶつり:physical:N4}カードを[持たず]{もたず:without holding:N4}に[スマートフォン]{スマートフォン:smartphone}だけで[完結]{かんけつ:to complete:N1}するスタイルが[広がって]{ひろがって:to spread:N4}います。\n\n#en\nIC cards work not only for train and bus fares but also for electronic-money payments at convenience stores, vending machines, some restaurants, and in-station kiosks. The balance cap is set relatively low at 20,000 yen, positioning them as small-payment instruments. Recently, more users load Mobile Suica via Apple Pay or Google Pay, so the style of completing everything with just a smartphone — no physical card — is spreading.\n::\n\n::heading\nQR[決済]{けっさい:payment:N3}の[4]{よん:four}[強]{きょう:strong players:N4}\n\n#en\nThe \"Big Four\" of QR Payments\n::\n\n::para\n[2018]{にせんじゅうはち:2018}[年]{ねん:year:N5}[頃]{ごろ:around:N2}から[一気]{いっき:rapid:N5}に[普及]{ふきゅう:to spread:N1}した[QRコード]{QRコード:QR code}[決済]{けっさい:payment:N3}は、[現在]{げんざい:currently:N3}「[4]{よん:four}[強]{きょう:strong:N4}」の[寡占]{かせん:oligopoly:N1}[状態]{じょうたい:state:N1}にあります。[第一]{だいいち:first:N1}に[PayPay]{PayPay:PayPay}（[ソフトバンク]{ソフトバンク:SoftBank}・[ヤフー]{ヤフー:Yahoo}[系]{けい:affiliated:N1}）が[シェア]{シェア:share}[首位]{しゅい:top position:N3}で、[加盟店]{かめいてん:affiliated stores:N1}[数]{すう:number:N3}・[利用者]{りようしゃ:user:N3}[数]{すう:number:N3}とも[圧倒的]{あっとうてき:overwhelming:N2}です。[第二]{だいに:second:N1}に[楽天]{らくてん:Rakuten:N4}ペイ（[楽天]{らくてん:Rakuten:N4}[経済圏]{けいざいけん:economic sphere:N1}との[連動]{れんどう:linkage:N3}が[強み]{つよみ:strength:N4}）、[第三]{だいさん:third:N1}に[d払い]{ディーばらい:d Payment:N3}（NTT[ドコモ]{ドコモ:Docomo}）、[第四]{だいよん:fourth:N1}に[au PAY]{エーユーペイ:au PAY}（KDDI）が[続き]{つづき:to follow:N3}ます。この[4]{よん:four}サービスで[QR決済]{QRけっさい:QR payment:N3}[市場]{しじょう:market:N3}の[9]{きゅう:nine}[割]{わり:tenths:N3}[超]{ちょう:over:N2}を[占めて]{しめて:to occupy:N2}いるとされ、[新規]{しんき:new:N3}[参入]{さんにゅう:entrant:N3}サービスは[淘汰]{とうた:to weed out:N1}が[進んで]{すすんで:to advance:N3}います。\n\n#en\nQR-code payments, which spread rapidly from around 2018, are now in a \"big four\" oligopoly. First is PayPay (SoftBank\u002FYahoo group), the share leader, with overwhelming numbers of affiliated stores and users. Second is Rakuten Pay, whose strength is integration with the Rakuten economic sphere; third is d Payment (NTT Docomo); and fourth is au PAY (KDDI). These four services are said to hold over 90 % of the QR-payment market, and weeding out of new entrants is advancing.\n::\n\n::callout\n[実務]{じつむ:practical:N3}[戦略]{せんりゃく:strategy:N2}：[外国人]{がいこくじん:foreigner:N5}エンジニアは[まず]{まず:first}PayPayを[入れる]{いれる:to install:N5}のが[定石]{じょうせき:standard play:N3}（[加盟店]{かめいてん:affiliated stores:N1}の[広さ]{ひろさ:breadth:N4}・[個人間]{こじんかん:peer-to-peer:N2}[送金]{そうきん:transfer:N4}の[手軽さ]{てがるさ:ease:N2}）、[楽天]{らくてん:Rakuten:N4}カード[利用者]{りようしゃ:user:N3}は[楽天]{らくてん:Rakuten:N4}ペイを[追加]{ついか:add:N3}（[ポイント]{ポイント:points}[二]{に:two:N5}[重]{じゅう:double:N4}[取り]{どり:get:N3}）。[キャリア]{キャリア:carrier}が[ドコモ]{ドコモ:Docomo}・auの[場合]{ばあい:case:N3}は[d払い]{ディーばらい:d Payment:N3}・au PAYも[併用]{へいよう:combined use:N1}[候補]{こうほ:candidate:N2}。\n\n#en\nPractical strategy: for a foreign engineer, the standard play is to install PayPay first (broadest store coverage, easy peer-to-peer transfers); Rakuten Card holders should add Rakuten Pay (double-dip points). If your mobile carrier is Docomo or au, d Payment \u002F au PAY become parallel-use candidates.\n::\n\n::heading\nクレジットカードの[タッチ]{タッチ:touch, contactless}[決済]{けっさい:payment:N3}[普及]{ふきゅう:to spread:N1}\n\n#en\nThe Spread of Contactless Credit-Card Payments\n::\n\n::para\n[QR決済]{QRけっさい:QR payment:N3}の[陰]{かげ:shadow:N1}に[隠れ]{かくれ:to be hidden:N1}がちですが、クレジットカードの[非]{ひ:non-:N3}[接触]{せっしょく:contact:N2}（タッチ）[決済]{けっさい:payment:N3}も[急速]{きゅうそく:rapid:N3}に[普及]{ふきゅう:to spread:N1}しています。Visaの[タッチ]{タッチ:contactless}[決済]{けっさい:payment:N3}（Visa payWave）、Mastercardの[コンタクトレス]{コンタクトレス:contactless}、JCBの[コンタクトレス]{コンタクトレス:contactless}は[いずれ]{いずれ:any}も[NFC]{エヌエフシー:NFC}[規格]{きかく:standard:N3}に[基づく]{もとづく:based on:N1}もので、[端末]{たんまつ:terminal:N1}にカードまたは[スマートフォン]{スマートフォン:smartphone}を[かざす]{かざす:to hold up}だけで[決済]{けっさい:payment:N3}が[完了]{かんりょう:to complete:N2}します。[特に]{とくに:especially:N4}[2024]{にせんにじゅうよん:2024}[年]{ねん:year:N5}[3]{さん:March}[月]{がつ:month:N5}にJR[東日本]{ひがしにほん:East Japan:N5}が[一部]{いちぶ:some:N3}[路線]{ろせん:lines:N2}で[クレジットカード]{クレジットカード:credit card}[タッチ]{タッチ:contactless}[改札]{かいさつ:ticket gate:N2}を[開始]{かいし:to begin:N4}してから、[交通]{こうつう:transit:N3}[利用]{りよう:use:N3}[層]{そう:demographic:N2}にも[認知]{にんち:recognition:N3}が[広がりました]{ひろがりました:to spread:N4}。\n\n#en\nOften hidden behind QR payments, contactless credit-card payments are also spreading rapidly. Visa's contactless (Visa payWave), Mastercard contactless, and JCB contactless all use the NFC standard, completing payment by simply holding the card or smartphone over the terminal. In particular, after JR East began contactless credit-card ticket gates on some lines in March 2024, recognition spread among the transit-using demographic too.\n::\n\n::heading\n[公共料金]{こうきょうりょうきん:utility bills:N3}と[コンビニ]{コンビニ:convenience store}[支払い]{しはらい:payment:N3}\n\n#en\nUtility Bills and Convenience-Store Payments\n::\n\n::para\n[電気]{でんき:electricity:N5}・[ガス]{ガス:gas}・[水道]{すいどう:water:N4}・[NHK]{エヌエイチケー:NHK}[受信料]{じゅしんりょう:subscription fee:N3}・[国民]{こくみん:national:N3}[健康]{けんこう:health:N1}[保険]{ほけん:insurance:N1}[料]{りょう:fee:N4}・[住民税]{じゅうみんぜい:residence tax:N2}など[多く]{おおく:many:N4}の[公共料金]{こうきょうりょうきん:utility bills:N3}は、[専用]{せんよう:dedicated:N2}の[払込]{はらいこみ:payment:N3}[票]{ひょう:slip:N1}（[バーコード]{バーコード:barcode}[付き]{つき:attached:N3}）が[郵送]{ゆうそう:mailed:N2}されてきます。これを[コンビニ]{コンビニ:convenience store}[レジ]{レジ:register}に[持参]{じさん:to bring:N3}し、[バーコード]{バーコード:barcode}を[読み取って]{よみとって:to scan:N3}もらえば、[24]{にじゅうよ:24}[時間]{じかん:hours:N5}いつでも[現金]{げんきん:cash:N3}で[支払い]{しはらい:payment:N3}が[可能]{かのう:possible:N3}です。[銀行]{ぎんこう:bank:N4}[口座]{こうざ:account:N3}[自動]{じどう:automatic:N4}[引落]{ひきおとし:debit:N3}を[設定]{せってい:to set:N2}していない[新]{しん:newly:N4}[来日]{らいにち:arrival in Japan:N5}[者]{しゃ:person:N4}や、[クレジットカード]{クレジットカード:credit card}[払い]{ばらい:payment:N3}に[未対応]{みたいおう:unsupported:N1}の[自治体]{じちたい:local government:N3}[料金]{りょうきん:fees:N4}（[一部]{いちぶ:some:N3}[市町村]{しちょうそん:municipalities:N2}）でも、[コンビニ]{コンビニ:convenience store}があれば[支払い]{しはらい:payment:N3}を[完結]{かんけつ:to complete:N1}できる[安心感]{あんしんかん:peace of mind:N3}は[非常]{ひじょう:extremely:N3}に[大きい]{おおきい:large:N5}です。\n\n#en\nMany utility bills — electricity, gas, water, NHK subscription, National Health Insurance, residence tax — arrive by mail as dedicated payment slips with barcodes. Bring the slip to a convenience-store register, have the barcode scanned, and you can pay in cash 24 hours a day. Even for newly arrived residents who haven't set up automatic bank debits, or for local-government fees (in some municipalities) that don't yet support credit-card payment, the peace of mind that any convenience store can complete the payment is enormous.\n::\n\n::para\n[最近]{さいきん:recently:N3}は[紙]{かみ:paper:N4}の[払込]{はらいこみ:payment:N3}[票]{ひょう:slip:N1}に[加えて]{くわえて:in addition:N3}、[電子]{でんし:electronic:N5}[請求書]{せいきゅうしょ:invoice:N1}（[ペーパーレス]{ペーパーレス:paperless}）[方式]{ほうしき:format:N3}も[増えて]{ふえて:to increase:N3}おり、[PayPay]{PayPay:PayPay}や[au PAY]{エーユーペイ:au PAY}の[請求書]{せいきゅうしょ:invoice:N1}[支払い]{しはらい:payment:N3}[機能]{きのう:function:N3}で[バーコード]{バーコード:barcode}を[スキャン]{スキャン:to scan}するだけで[公共料金]{こうきょうりょうきん:utility bills:N3}を[支払える]{はらえる:able to pay:N3}ようになりました。[コンビニ]{コンビニ:convenience store}に[行く]{いく:to go:N5}[必要]{ひつよう:need:N3}すらない[時代]{じだい:era:N4}に[突入]{とつにゅう:to enter:N3}しています。\n\n#en\nRecently, in addition to paper payment slips, the electronic-invoice (paperless) format is increasing. With PayPay or au PAY's invoice-payment function, you can pay utility bills simply by scanning the barcode — we have entered an era where you don't even need to go to a convenience store.\n::\n\n::heading\n[政府]{せいふ:government:N2}の[キャッシュレス]{キャッシュレス:cashless}[政策]{せいさく:policy:N1}\n\n#en\nThe Government's Cashless Policy\n::\n\n::para\n[経済産業省]{けいざいさんぎょうしょう:Ministry of Economy, Trade and Industry:N2}は[2018]{にせんじゅうはち:2018}[年]{ねん:year:N5}に「[キャッシュレス]{キャッシュレス:cashless}・ビジョン」を[策定]{さくてい:to formulate:N1}し、[2025]{にせんにじゅうご:2025}[年]{ねん:year:N5}までに[キャッシュレス]{キャッシュレス:cashless}[決済]{けっさい:payment:N3}[比率]{ひりつ:ratio:N1}を[40]{よんじゅう:40}[%]{パーセント:percent}まで[引き上げる]{ひきあげる:to raise:N3}[目標]{もくひょう:target:N1}を[掲げ]{かかげ:to set forth:N1}ました。[2010]{にせんじゅう:2010}[年代]{ねんだい:decade:N4}[前半]{ぜんはん:first half:N5}に[10]{じゅう:10}[%]{パーセント:percent}[台]{だい:level:N4}だった[比率]{ひりつ:ratio:N1}は、[2023]{にせんにじゅうさん:2023}[年]{ねん:year:N5}に[39.3]{さんじゅうきゅうてんさん:39.3}[%]{パーセント:percent}に[到達]{とうたつ:to reach:N3}し、[2025]{にせんにじゅうご:2025}[年]{ねん:year:N5}には[目標]{もくひょう:target:N1}の[40]{よんじゅう:40}[%]{パーセント:percent}を[超える]{こえる:to exceed:N2}[見込み]{みこみ:prospect:N3}です。[政府]{せいふ:government:N2}は[次]{つぎ:next:N3}の[目標]{もくひょう:target:N1}として「[2030]{にせんさんじゅう:2030}[年]{ねん:year:N5}までに[80]{はちじゅう:80}[%]{パーセント:percent}」を[視野]{しや:in view:N1}に[入れて]{いれて:to set:N5}おり、[マイナンバーカード]{マイナンバーカード:My Number Card}との[連携]{れんけい:linkage:N1}や[公金]{こうきん:public funds:N4}[受取]{うけとり:receipt:N3}[口座]{こうざ:account:N3}[制度]{せいど:system:N3}など、[官民]{かんみん:public-private:N3}[一体]{いったい:joint:N4}での[推進]{すいしん:promotion:N1}が[加速]{かそく:to accelerate:N3}しています。\n\n#en\nIn 2018 the Ministry of Economy, Trade and Industry formulated the \"Cashless Vision,\" setting a target of raising the cashless-payment ratio to 40 % by 2025. The ratio, which was in the 10 % range in the early 2010s, reached 39.3 % in 2023 and is expected to exceed the 40 % target in 2025. The government's next target is \"80 % by 2030,\" and joint public-private promotion — including linkage with the My Number Card and the public-funds receipt-account system — is accelerating.\n::\n\n::callout\n[試験]{しけん:exam:N4}・[実務]{じつむ:practical:N3}ポイント：[2025]{にせんにじゅうご:2025}[年]{ねん:year:N5}[キャッシュレス]{キャッシュレス:cashless}[比率]{ひりつ:ratio:N1}[目標]{もくひょう:target:N1}=[40]{よんじゅう:40}[%]{パーセント:percent}、[2030]{にせんさんじゅう:2030}[年]{ねん:year:N5}[次]{つぎ:next:N3}[目標]{もくひょう:target:N1}=[80]{はちじゅう:80}[%]{パーセント:percent}、[内訳]{うちわけ:breakdown:N1}は[クレジットカード]{クレジットカード:credit card}が[最大]{さいだい:largest:N3}（[約]{やく:approximately:N3}[8]{はち:8}[割]{わり:tenths:N3}）、[次いで]{ついで:next:N3}[QRコード]{QRコード:QR code}・[電子マネー]{でんしマネー:electronic money:N5}・[デビットカード]{デビットカード:debit card}。[政策]{せいさく:policy:N1}[原典]{げんてん:source:N1}は[経産省]{けいさんしょう:METI:N2}「[キャッシュレス]{キャッシュレス:cashless}・[ビジョン]{ビジョン:vision}」（[2018]{にせんじゅうはち:2018}）。\n\n#en\nExam\u002Fpractical point: 2025 cashless-ratio target = 40 %; 2030 next target = 80 %; the breakdown is dominated by credit cards (about 80 %), followed by QR codes, electronic money, and debit cards. The policy source is METI's \"Cashless Vision\" (2018).\n::\n\n::heading\n[海外]{かいがい:overseas:N4}[発行]{はっこう:issued:N4}カードでの[キャッシング]{キャッシング:cash advance}\n\n#en\nCash Advances with Overseas-Issued Cards\n::\n\n::para\n[来日]{らいにち:arrival in Japan:N5}[直後]{ちょくご:immediately after:N3}や[出張]{しゅっちょう:business trip:N1}[時]{じ:at the time of:N5}、[日本]{にほん:Japan:N5}の[銀行]{ぎんこう:bank:N4}[口座]{こうざ:account:N3}を[まだ]{まだ:not yet}[持って]{もって:to have:N4}いない[状態]{じょうたい:state:N1}でも、[海外]{かいがい:overseas:N4}[発行]{はっこう:issued:N4}のVisa・Mastercard・UnionPayなどがあれば、[セブン]{セブン:Seven}[銀行]{ぎんこう:bank:N4}ATMや[ゆうちょ]{ゆうちょ:Japan Post Bank}ATMで[円]{えん:yen:N5}[現金]{げんきん:cash:N3}を[キャッシング]{キャッシング:cash advance}（[借入]{かりいれ:borrowing:N4}）として[引き出す]{ひきだす:to withdraw:N3}ことができます。[手数料]{てすうりょう:fees:N3}は[一般的]{いっぱんてき:typically:N2}に[1]{いっ:one}[件]{けん:transaction:N3}[110]{ひゃくじゅう:110}〜[220]{にひゃくにじゅう:220}[円]{えん:yen:N5}の[ATM手数料]{ATMてすうりょう:ATM fee:N3}に[加え]{くわえ:in addition:N3}、[カード]{カード:card}[会社]{がいしゃ:company:N4}の[利息]{りそく:interest:N3}・[海外]{かいがい:overseas:N4}[利用]{りよう:use:N3}[手数料]{てすうりょう:fees:N3}が[発生]{はっせい:to incur:N4}します。[両替所]{りょうがえじょ:currency exchange:N2}よりも[一般]{いっぱん:generally:N2}に[レート]{レート:rate}が[有利]{ゆうり:favorable:N3}とされ、[緊急]{きんきゅう:emergency:N1}[時]{じ:in case of:N5}の[現金]{げんきん:cash:N3}[調達]{ちょうたつ:procurement:N3}[手段]{しゅだん:means:N3}として[広く]{ひろく:widely:N4}[利用]{りよう:to use:N3}されています。\n\n#en\nEven right after arrival or on a business trip — when you don't yet have a Japanese bank account — if you have an overseas-issued Visa, Mastercard, or UnionPay card, you can withdraw yen as a cash advance at Seven Bank ATMs or Yucho ATMs. Fees typically include the ATM fee of 110-220 yen per transaction plus the card company's interest and overseas-use fees. The exchange rate is generally more favorable than at a currency-exchange counter, so this is widely used as an emergency cash-procurement method.\n::\n\n::callout\n[最終]{さいしゅう:final:N3}まとめ：①[コンビニ]{コンビニ:convenience store}ATMは[セブン]{セブン:Seven}[銀行]{ぎんこう:bank:N4}が[海外]{かいがい:overseas:N4}カード[対応]{たいおう:supported:N1}・[24]{にじゅうよ:24}[時間]{じかん:hours:N5}で[最強]{さいきょう:strongest:N3}、②[交通系]{こうつうけい:transit:N1}IC[カード]{カード:card}は[全国]{ぜんこく:nationwide:N3}[10]{じゅう:10}[種類]{しゅるい:types:N3}が[相互]{そうご:mutual:N3}[利用]{りよう:available:N3}・[残高]{ざんだか:balance:N3}[上限]{じょうげん:cap:N3}[2]{に:2}[万]{まん:ten thousand:N5}[円]{えん:yen:N5}、③[QR決済]{QRけっさい:QR payment:N3}は[PayPay]{PayPay:PayPay}・[楽天]{らくてん:Rakuten:N4}ペイ・[d払い]{ディーばらい:d Payment:N3}・[au PAY]{エーユーペイ:au PAY}の[4]{よん:four}[強]{きょう:strong:N4}が[市場]{しじょう:market:N3}[9]{きゅう:nine}[割]{わり:tenths:N3}[超]{ちょう:over:N2}、④[公共料金]{こうきょうりょうきん:utility bills:N3}は[バーコード]{バーコード:barcode}[払込票]{はらいこみひょう:payment slip:N1}で[24]{にじゅうよ:24}[時間]{じかん:hours:N5}[コンビニ]{コンビニ:convenience store}[支払い]{しはらい:payment:N3}[可能]{かのう:possible:N3}、⑤[政府]{せいふ:government:N2}[目標]{もくひょう:target:N1}は[2025]{にせんにじゅうご:2025}[年]{ねん:year:N5}[40]{よんじゅう:40}[%]{パーセント:percent}・[2030]{にせんさんじゅう:2030}[年]{ねん:year:N5}[80]{はちじゅう:80}[%]{パーセント:percent}。\n\n#en\nFinal summary: (1) for convenience-store ATMs, Seven Bank is strongest — overseas-card-compatible and 24-hour; (2) ten transit IC cards are mutually usable nationwide, balance capped at 20,000 yen; (3) QR payment is a \"big four\" (PayPay, Rakuten Pay, d Payment, au PAY) controlling over 90 % of the market; (4) utility bills can be paid 24\u002F7 at convenience stores via barcode payment slips; (5) the government's targets are 40 % cashless by 2025 and 80 % by 2030.\n::\n",{"id":66,"title":69,"topicPath":10,"questions":70},"コンビニATMと銀行 確認テスト",[71,96,117,138,159,180],{"id":72,"question":73,"options":76,"correctLabel":82,"explanation":93},"q1",{"en":74,"jp":75},"Which most accurately describes Seven Bank ATMs' operating hours and features?","セブン銀行ATMの稼働時間と特徴として最も正確な説明はどれか。",[77,81,85,89],{"label":78,"jp":79,"en":80},"ア","平日9時から15時のみ稼働、海外発行カードは利用不可","Operate only on weekdays 9:00–15:00; cards issued abroad cannot be used",{"label":82,"jp":83,"en":84},"イ","24時間365日稼働、海外発行カード（Visa・Mastercard・UnionPay等）にも対応","Operate 24\u002F7 and accept cards issued abroad (Visa, Mastercard, UnionPay, etc.)",{"label":86,"jp":87,"en":88},"ウ","土日のみ稼働、国内カード専用","Operate only on weekends and accept only domestic cards",{"label":90,"jp":91,"en":92},"エ","24時間稼働だが、英語メニューは提供されていない","Operate 24\u002F7 but offer no English menu",{"en":94,"jp":95},"Seven Bank ATMs run 24\u002F7, accept a wide range of foreign-issued cards, and offer multilingual menus. They are often the first ATM newly arrived foreigners use.","セブン銀行ATMは24時間365日稼働し、海外発行カードに広く対応、多言語メニューも備える。来日直後の外国人にとって最初に使うATMとなることが多い。",{"id":97,"question":98,"options":101,"correctLabel":78,"explanation":114},"q2",{"en":99,"jp":100},"Which is a correct statement about the nationwide mutual-use service for transit IC cards?","交通系ICカードの「全国相互利用サービス」について正しい記述はどれか。",[102,105,108,111],{"label":78,"jp":103,"en":104},"2013年から開始され、Suica・PASMO・ICOCAなど全国10種類のICカードが相互に利用できる","Started in 2013, it allows mutual use of 10 IC cards nationwide, including Suica, PASMO, and ICOCA",{"label":82,"jp":106,"en":107},"JR東日本のSuicaのみが全国で利用可能で、他社カードは地域内限定","Only JR East's Suica is usable nationwide; other carriers' cards work only within their own region",{"label":86,"jp":109,"en":110},"関東圏と関西圏のカードは別系統で相互利用できない","Kanto-area and Kansai-area cards are on different systems and not mutually usable",{"label":90,"jp":112,"en":113},"残高上限は10万円で、高額決済にも対応している","The balance cap is 100,000 yen, supporting larger payments",{"en":115,"jp":116},"Launched in 2013, the nationwide mutual-use service enables interoperability among 10 cards (Suica, PASMO, ICOCA, PiTaPa, Kitaca, TOICA, manaca, SUGOCA, Hayakaken, and nimoca). The balance cap is 20,000 yen, suited to small payments.","2013年開始の全国相互利用サービスにより、Suica\u002FPASMO\u002FICOCA\u002FPiTaPa\u002FKitaca\u002FTOICA\u002Fmanaca\u002FSUGOCA\u002Fはやかけん\u002Fnimocaの10種類が相互利用可能。残高上限は2万円で少額決済向け。",{"id":118,"question":119,"options":122,"correctLabel":82,"explanation":135},"q3",{"en":120,"jp":121},"Which combination represents the \"Big Four\" of Japan's QR payment market?","日本のQR決済市場で「4強」と呼ばれるサービスの組み合わせはどれか。",[123,126,129,132],{"label":78,"jp":124,"en":125},"PayPay・LINE Pay・メルペイ・pring","PayPay, LINE Pay, Merpay, pring",{"label":82,"jp":127,"en":128},"PayPay・楽天ペイ・d払い・au PAY","PayPay, Rakuten Pay, d Barai, au PAY",{"label":86,"jp":130,"en":131},"Apple Pay・Google Pay・Amazon Pay・PayPal","Apple Pay, Google Pay, Amazon Pay, PayPal",{"label":90,"jp":133,"en":134},"PayPay・Suica・nanaco・WAON","PayPay, Suica, nanaco, WAON",{"en":136,"jp":137},"PayPay (SoftBank\u002FYahoo), Rakuten Pay, d Barai (NTT Docomo), and au PAY (KDDI) form an oligopoly that holds over 90% of the QR payment market.","QR決済市場は PayPay（ソフトバンク\u002Fヤフー系）・楽天ペイ・d払い（NTTドコモ）・au PAY（KDDI）の4強が市場の9割超を占める寡占状態。",{"id":139,"question":140,"options":143,"correctLabel":82,"explanation":156},"q4",{"en":141,"jp":142},"What 2025 cashless-payment ratio does METI's \"Cashless Vision\" target?","経済産業省「キャッシュレス・ビジョン」が掲げる2025年のキャッシュレス決済比率の目標値はどれか。",[144,147,150,153],{"label":78,"jp":145,"en":146},"20 %","20%",{"label":82,"jp":148,"en":149},"40 %","40%",{"label":86,"jp":151,"en":152},"60 %","60%",{"label":90,"jp":154,"en":155},"80 %","80%",{"en":157,"jp":158},"METI's \"Cashless Vision,\" set in 2018, targets 40% by 2025. The ratio had already reached 39.3% by 2023. The next target is 80% by 2030.","経産省の2018年策定「キャッシュレス・ビジョン」は2025年までに40%の目標を設定。2023年時点で39.3%に到達済み。次の目標は2030年80%。",{"id":160,"question":161,"options":164,"correctLabel":82,"explanation":177},"q5",{"en":162,"jp":163},"Which best describes the characteristics of Japan Post Bank (Yucho) ATMs?","ゆうちょ銀行ATMの特徴として最も適切な説明はどれか。",[165,168,171,174],{"label":78,"jp":166,"en":167},"都市部にのみ設置されており、地方や離島では利用できない","They are only installed in urban areas and unavailable in rural areas or on remote islands",{"label":82,"jp":169,"en":170},"全国の郵便局に約3万2千台設置され、ゆうちょ同士の振込・引出は平日日中無料","About 32,000 units installed at post offices nationwide; Yucho-to-Yucho transfers and withdrawals are free on weekdays during daytime",{"label":86,"jp":172,"en":173},"海外発行カードに一切対応していない","They do not accept any foreign-issued cards",{"label":90,"jp":175,"en":176},"振込手数料が他行と比べて大幅に高い","Their transfer fees are significantly higher than other banks",{"en":178,"jp":179},"Leveraging the postal network, Japan Post Bank operates about 32,000 ATMs nationwide. Yucho-to-Yucho transfers and withdrawals are free during weekday daytime hours, and they are available in rural areas and on remote islands. They integrate well with public services like utility payments and pension receipt.","ゆうちょ銀行ATMは郵便局網を活かし全国約3.2万台。ゆうちょ同士の振込・引出は平日日中無料で、地方・離島でも利用可能。公共料金払込や年金受給などの公的手続きと親和性が高い。",{"id":181,"question":182,"options":185,"correctLabel":82,"explanation":198},"q6",{"en":183,"jp":184},"Which is correct about paying utilities and other public bills (electricity, gas, residence tax, etc.) at convenience stores?","公共料金（電気・ガス・住民税等）のコンビニ支払いに関する説明として正しいものはどれか。",[186,189,192,195],{"label":78,"jp":187,"en":188},"銀行口座自動引落でしか支払えない","They can only be paid by automatic bank account withdrawal",{"label":82,"jp":190,"en":191},"専用払込票のバーコードをコンビニレジで読み取らせ、24時間現金で支払える","A dedicated payment slip's barcode is scanned at the convenience-store register, allowing 24-hour cash payment",{"label":86,"jp":193,"en":194},"クレジットカード払いのみ受け付けている","Only credit card payments are accepted",{"label":90,"jp":196,"en":197},"平日9時から17時のみ受付","Accepted only on weekdays from 9:00 to 17:00",{"en":199,"jp":200},"Bills for electricity, gas, water, NHK, National Health Insurance, residence tax, and similar items arrive by post as slips with a barcode and can be paid in cash at a convenience store at any hour. PayPay and au PAY's \"invoice payment\" features now allow paying these from home as well.","電気・ガス・水道・NHK・国民健康保険・住民税などはバーコード付き払込票が郵送され、コンビニで24時間現金支払い可能。最近はPayPay・au PAYの請求書支払いで自宅から決済も可能。"]