Member
After graduating from the Keio University, Faculty of Economics in 2004, Toshio Taki joined Nomura Securities Co., Ltd. At the Nomura Institute of Capital Markets Research, he engaged in research on household behavior, the pension system, and financial institution business models among other themes. After receiving his MBA from Stanford University and working in the planning division of Nomura Holdings, Inc., he joined in the launch of Money Forward, Inc., in 2012. He is also a member of strategic team for the Digital Administrative and Fiscal Reform (Cabinet Secretariat), an expert committee member of the Council for Promotion of Regulatory Reform (the Startup and Innovation Promotion Working Group) (Cabinet Office), a Representative Director of the Japan Association for Financial APIs, an adviser of Fintech Association of Japan, a member of the Dementia Innovation Alliance Public and Private Sector Working Group (Ministry of Economy, Trade and Industry), etc.
Recent Publications and Seminars
• November 2022 – The Sophistication of Analysis using Household Accounting Data and Challenges in its Public Utilization, Japan Society of Monetary Economics (panel discussion)
• October 2022 – The Future of Credibility in Financial Transactions, contribution to the Nikkei Sangyo Shimbun
• July 2023 – Fintech and Competition Policy from the Perspective of Electronic Payment Service Providers, Contribution to the Japan Fair Trade Commission
• September 2024 – How the Digital Transformation of Tax Administration Will Reshape Japan’s Future (co-authored)
Topics of Specialty
Experience working where regulation, social norms, and the technology industry intersect, through research, entrepreneurship, and policy advocacy.
• Fintech
• Information law from the perspective of financial regulation
• Startup promotion
• Development of new services
Inquiries Regarding Publications and Seminars
Policy Advocacy and Recommendations Related to This Member
Proposal on the Digital Infrastructure for Promoting Job-Based Employment Ver. 1.0
The Policy Research Institute has published the “Proposal on the Digital Infrastructure for Promoting Job-Based Employment Ver. 1.0.”
27/06/2025
Policy Proposal on Central Bank Digital Currency (CBDC)
The Policy Research Institute has published a policy proposal titled "Policy Proposal on Central Bank Digital Currency (CBDC)."
27/06/2025
Proposal on Incident Investigation and Information Sharing under the Telecommunications Business Act
The Policy Research Institute has published a proposal titled "Proposal on Incident Investigation and Information Sharing under the Telecommunications Business Act."
27/06/2025
Policy Proposal on Enhancing Government Governance and Administrative Reforms for Effective Data Utilization, Including Statistical Information
The Policy Research Institute has published a proposal titled "Proposal on the Need for Government Governance and Administrative Reforms for Data Utilization, Including the Use of Statistical Information."
27/06/2025
Proposal on Legal and Social Infrastructure to Support Initiatives in Gray Zones and Emerging Areas for Promoting Innovation
The Policy Research Institute has published a proposal on legal and social infrastructure to support initiatives in gray zones and emerging areas for promoting innovation.
26/06/2025
Proposal on the Need to Develop New Regulatory Approaches in Light of the Limitations of Consent-Based Personal Data Processing
The Policy Research Institute has released a proposal on “The Need to Develop New Regulatory Approaches in Light of the Limitations of Consent-Based Personal Data Use.”
10/06/2025