スクエア(Square)が銀行営業開始

出典

<https://techcrunch.com/2021/03/01/squares-bank-arm-launches-as-fintech-aims-to-operate-more-nimbly/?guccounter=1&guce_referrer=aHR0cHM6Ly90LmNvLw&guce_referrer_sig=AQAAAI4TqJz_V8P69RG_aFtf9C5o7XkNVEkySZetRGl98GR2vuvPU4qD8Eh5FbnNmKkzf7VXNwCbkgr_y3iwKdishXGJH6UFvROAWmzhjDsEZB_g5M1_D5yDOaMpQXTHUl4mcFscvCgdPWkeq4zfFxOQYhwSx-6YQJ7S86MdOWHsKUZe>

要点

Square said Monday afternoon that its industrial bank, Square Financial Services, has begun operations.
"スクエアの商業銀行部門のSquare Financial Serviceが2021年3月1日に営業を開始した。"

Square Financial Services completed the charter approval process with the FDIC and Utah Department of Financial Institutions, meaning it’s ready for business.
"Square Financial ServicesはFDICとユタ州当局から認可を取っていて営業できる状態である"

The bank, which is headquartered in Salt Lake City, Utah, will offer business loan and deposit products, starting with underwriting, and originating business loans for Square Capital’s existing lending product.
"Squareは事業性ローンと預金商品を提供する予定で、最初はSquare Capitalの既存の貸付商品の引受けと貸付をする"

Moving forward, Square said its bank will be the “primary provider of financing for Square sellers across the U.S.”
"Squareは今後、米国におけるSquare Sellersにとっての主要な資金調達先になりたいとしている"

In a statement, Square CFO and executive chairman for Square Financial Services Amrita Ahuja said that bringing banking capability in house will allow the fintech to “operate more nimbly.”
"SquareのCFOとエグゼクティブチェアマンは、銀行業務をグループに持つことはFinTechの事業遂行を機動的に行えるとした"

Square Financial Services will continue to sell loans to third-party investors and limit balance sheet exposure. The company said it does not expect the bank to have a material impact on its consolidated balance sheet, total net revenue, gross profit or adjusted EBITDA in 2021.
"Square Financial Servicesは投資家にローンを販売し、バランスシートへの影響を限定する方向である。また、Square Financial Servicesは銀行業務が2021年に連結決算に大きな影響を与えることはないとした。"

Opening the bank “deepens Square’s unique ability to expand access to loans and banking tools to underserved populations,” the company said.
"銀行業務を開始することでSquareによるローン提供はしやすくなり、より多くの顧客にサービス提供が可能になると発表した"