As a decline in Japan’s population is anticipated going forward, especially in nonmetropolitan areas, there will be a growing need for digital technology as a means of providing financial services in underpopulated areas. One thing to keep in mind is that it is difficult, nor is it right, for all financial businesses to provide homogeneous digital services to consumers.
There is no homogeneity in the ability of businesses to offer digital services, nor in the degree to which consumers accept digital services. In addition, consumers are not homogeneous in what they look for in services. We can expect to see more and more new combinations of consumers that actively use digital services and businesses that cater to their diverse needs.