Fintech’s path from privacy protection to utilization Student loans are assumed to be repaid from the student’s future income after they start working. Students who graduate with high grades from universi… 2022-04-04 Noriyuki Morimoto Student loan terms should become better the harder you study Since students usually lack income and therefore the ability to pay off debt, lending them money would basically go against the principle of finance. … 2021-04-19 Noriyuki Morimoto The mission of insurance is to eliminate its need Since reduction of traffic accidents is in the customer's interest, automobile insurance should be designed in a way that motivates voluntary efforts … 2021-04-05 Noriyuki Morimoto