Welcome to the one hundred forty-second edition of the Japan FinTech Observer. The week commencing December 15 will very much be the last week of significant business activity for the calendar year. The Diet will have its last session, and the Bank of Japan will raise the policy rate to 0.75% at its Monetary Policy Meeting (all economists agree, and who would dare to disagree with the esteemed economists). What economists disagree on is the terminal rate, with forecasts generally ranging from.