凯捷：2021世界支付报告( 英文 48页)

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CONTENTS

PREFACE 3

EXECUTIVE SUMMARY 4

TRANSFORMATIONAL IMPETUS ENERGIZES ALREADY DYNAMIC PAYMENTS INDUSTRY 5

– As customer preferences and behaviors change, superior personalized experiences are the expectation 5

– Like agile sherpas, new players lead the innovation path and challenge traditional business models 7

– Operational and economic headwinds complicate the situation 8

– Buckle up for the Payments 4.X – An era spawned by the collision of industry disruption and COVID-19 10

– Mindful of the challenges, banks take steps to improve profitability 14

– API monetization and data maturity are Payments 4.X journey mileposts that require action 16

– New-age processing requires infrastructure revamp 17

– Leveraging core competencies can help firms score quick monetization wins as they identify niche markets for a Payments 4.X first-mover advantage 18

NEW CUSTOMER HABITS AND PAYMENT METHODS SPARK PAYMENTS 4.X 21

– After eight years of double-digit growth, global non-cash transaction volumes increased merely 8% in 2020 21

– Rising customer adoption, new payments methods, and increased spending foreshadow five-year growth 22

– With B2B payments poised to take off, payments automation is a must 24

– Retail non-cash transactions growth will be driven by next-gen payments, although they currently represent a relatively small share in the payments landscape 27

– With the pandemic delivering an unprecedented push, digital payments have changed customer engagement forever 29

– Uncertainties and fulfillment gaps stoke transformational urgency. Banks and payment firms face practical dilemmas 30

REGULATORY ACTIONS SUPPORT A COLLABORATIVE ECOSYSTEM AS FIRMS INDUSTRIALIZE INNOVATION EFFORTS 31

– Regulators strive for equilibrium through a balanced focus on all KRIIs 31

– Efficiency to effectiveness – The KRII journey delivered positive changes 35

– Ambitious European Payment Initiative (EPI) aims to become a home-grown leader by 2025 37

– CBDC gains momentum across all regions as a potential alternative to private cryptocurrencies 38

CONCLUSION 40

PARTNER WITH CAPGEMINI 41

ASK THE EXPERTS 42

FOR MORE INFORMATION 44

ACKNOWLEDGMENTS 45

METHODOLOGY 46

ABOUT US 47

内容

前言 3

执行摘要 4

转型动力为已经充满活力的支付行业注入活力 5

– 随着客户偏好和行为的变化，期望获得卓越的个性化体验 5

– 像敏捷的夏尔巴人一样，新参与者引领创新之路并挑战传统商业模式 7

– 运营和经济逆风使情况复杂化 8

– 为 Payments 4.X 做好准备 – 行业颠覆和 COVID-19 碰撞催生的时代 10

– 考虑到挑战，银行采取措施提高盈利能力 14

– API 货币化和数据成熟度是 Payments 4.X 旅程的里程碑，需要采取行动 16

– 新时代的处理需要基础设施改造 17

– 利用核心竞争力可以帮助公司快速获得货币化胜利，因为它们可以为 Payments 4.X 先发优势确定利基市场 18

新的客户习惯和付款方式推动付款 4.X 21

– 经过八年的两位数增长，2020 年全球非现金交易量仅增长了 8% 21

– 不断提高的客户采用率、新的支付方式和增加的支出预示着五年的增长 22

– 随着 B2B 支付的兴起，支付自动化势在必行 24

– 零售非现金交易增长将由下一代支付推动，尽管它们目前在支付领域的份额相对较小 27

– 随着大流行带来前所未有的推动，数字支付永远改变了客户参与度 29

– 不确定性和履行差距引发了转型的紧迫性。银行和支付公司面临实际困境 30

监管行动支持合作生态系统，因为企业将创新努力产业化 31

– 监管机构通过平衡关注所有 KRII 来寻求平衡 31

– 从效率到效果 – KRII 之旅带来了积极的变化 35

– 雄心勃勃的欧洲支付倡议 (EPI) 旨在到 2025 年成为本土领导者 37

– CBDC 作为私人加密货币的潜在替代品，在所有地区都获得了发展势头 38

结论 40

与凯捷 41 合作

询问专家 42

更多信息 44

致谢 45

方法论 46

关于我们 47