2015年全球支付报告(英文 60 页)

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Table of Contents

Preface 3

Section 1: World Non-Cash Markets and Trends 5

Non-Cash Transactions Growth In Mature Markets Accelerates, while Emerging Asia Grows

at the Fastest Rate 6

Global Non-Cash Transaction Volumes Reach 357.9 Billion 6

Globally, Card Transactions Led Growth and Increased their Share of the Non-Cash Market 11

China Is Expected to Move into Fourth Position in Global Non-Cash Transaction Volumes in 2014 13

Collaboration Is the Key to Success in Singapore’s Non-Cash Market 14

Hidden Digital Payments Volume Estimated to Be at Least 10% of Non-Cash Market

and too Big to Ignore 16

Section 2: Standardization and Innovation Remain Important Themes Driving KRIIs 21

Payments Industry Participants Navigate an Increasingly Complex Regulatory Environment

as KRIIs become More Global, Detailed, and Specific 22

Impact of KRIIs on Payments Industry Varies as They Continue to Cascade across Regions 24

Regulators Can Benefit from Harmonizing the Timing and Content of Many KRIIs 24

Investments in Innovation: The Key to True Value Add for PSUs 25

Regulators Have an Important Role to Play in Helping KRIIs to Deliver their Objectives 28

Key Regulatory and Industry Initiatives in Payments, 2015 30

Section 3: Strategies for Future Payments Industry Transformation 35

Banks Provide the Market with Holistic Offerings, and these Require Ongoing Enhancements 36

Changing Payments Landscape 36

The Core Role of Banks 36

Overview of Required Enhancements and Holistic Solutions 37

Immediate Payments Are a Catalyst for Banks to Add Value and Develop Holistic Solutions 38

Defining Immediate Payments from the Consumer Perspective 38

Immediate Payments as a Core Enabler 39

Overlay Services Allow Value Add and Differentiation 39

Continuous Innovation Required 40

Fragmented Payments Value Chain Can be Unified 41

Infrastructure Investment Accelerates Delivery Time to Market, Strengthening the Client Relationship 42

Protecting the Account Relationship 42

Opportunity to Rationalize Back-End Processing 42

To Prepare for Immediate Payments, Banks Need to Take a Transformational Approach 44

Challenges when Implementing Immediate Payments 44

Opportunities Based on Immediate Payments 45

Path Forward on Immediate Payments Transformation Journey 45

Conclusion 46

Regulators Play A Key Role in the Success of Immediate Payments 47

Blockchain Offers a Dynamic Opportunity 50

Closing Thoughts 53

Methodology 54

Glossary 56