There are still effective measures for the sustainable development of the Japanese economy!
Social Infrastructure (Saitama University Research Seed Collection 2025-27 p.35)
Keywords: 100-Year Life Era, Financial Digitalization, Climate Change and Finance, Financial Literacy
We are approaching a super-aged society often referred to as the 100-year life era, but it seems that only the negative aspects, such as labor shortages and regional decline, are being emphasized. Considering the next few decades, not only in Japan but especially in many countries and regions in Asia, the rapid advancement of aging is expected to be certain. In this regard, by integrating Japan's strengths in robotics and automation technology with financial support, there is a great opportunity to globally build a market for products and services that address aging in fields such as healthcare, nursing care, shopping, and transportation. Utilizing popular anime technology could also make even inorganic robots more vibrant. Additionally, behaviors such as refraining from consumption (increasing precautionary savings) due to future anxieties are being observed. The uncertainty of the future may stem from two types: the "inevitable uncertainty" that everyone experiences and the "uncertainty due to lack of knowledge," which is caused by a deficiency in correct financial knowledge (literacy). In this context, promoting financial education to enhance financial literacy could be an effective measure to eliminate the latter type of uncertainty and contribute to the sustainable growth of the Japanese economy.
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Shinobu Nakagawa, Professor Graduate School of Humanities and Social Sciences 【Recent Research Themes】 ● Financial Literacy and Rational Consumption Behavior ● Financial Services in the Era of Declining Birthrates and Aging Population ● Challenges Towards Normalization of Monetary Policy
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【Appeal Points to the Industry】 - In the era of declining birth rates and an aging population, increasing productivity across all sectors is crucial. - For Japan, a leading country in aging, this demographic shift presents a global business opportunity. - Japan has successful experience in addressing environmental issues, such as pollution control. - Finance is one of the sectors with significant potential for productivity enhancement. - It is important to have money work for you, rather than just keeping it in savings. 【Examples of Practical Application, Utilization, and Implementation】 - Fostering a leading silver industry that utilizes AI, robotics, and animation technology. - There is substantial room for productivity improvement in finance through online banking, cashless transactions, asset formation and insurance diagnostic apps, robo-advisors, and credit assessments. - Development of sustainable finance. - Improvement of financial literacy and enhancement of asset formation systems such as the new NISA and iDeCo.
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Created from the "Financial Literacy Survey" by the Financial Services Agency Central Committee (2019).
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The Saitama University Open Innovation Center is a center that functions as a liaison office for industry-academia-government collaboration. It consists of three departments: the Industry-Academia-Government Collaboration Department, the Intellectual Property Department, and the Startup Support Department, each staffed with coordinators well-versed in various fields. The center's activities include solving technical challenges in companies, supporting the implementation of joint research, and conducting technology transfer aimed at introducing and utilizing Saitama University's intellectual property.