WORLD
PAYMENTS
REPORT
2017
淘宝店铺
“Vivian研报”
收集整理
获取最新报告及后续更新服务请淘宝搜索“Vivian研报”
TABLE OF
CONTENTS
Preface 3
Section 1: Historical Non-Cash Transaction Volume Analysis 5
Section 2: Forward Looking Analysis Of World Non-Cash Markets And Trends 9
Chapter 1:Future Non-Cash Transaction Volume Analysis10
Chapter 2: Evolution Of Next-Generation Payments13
Chapter 3: Corporate Payments 15
Section 3: Key Regulations And Industry Initiatives 19
In A Challenging Regulatory Landscape, Competition And Collaboration Are Key As PSD2 Looms20
Varying Scope Of Competition And Innovation Across Multiple KRIIs 21
Leveraging Customer-Centric KRIIs To Provide Innovative Solutions 22
Key Regulatory And Industry Initiatives (KRIIs) In Payments, 2017 23
Section 4: The New Payments Ecosystem 27
Chapter 1: Time To Update Payments Business Models 28
Structural Changes In The Industry28
The Challenges Of The New Payments Business Model 31
Bank’s Strategic Response To Structural Changes32
Chapter 2: The Journey Toward A New Payments Ecosystem 34
Value Proposition For Stakeholders 34
Open APIs As New Ecosystem Enablers 35
Instant Payments Infrastructure To Play A Vital Role In The New Ecosystem 36
Leveraging Blockchain Technology For Secure And Real-Time Collaboration 37
The Push For Standardization In Payments 38
Moving Toward The New Ecosystem 38
Chapter 3: Technical Hurdles For The New Payments Ecosystem 40
The Need For Standardization And Harmonization 40
Tackling Cybersecurity Vulnerabilities In A Collaborative Ecosystem 40
Measures To Improve Cybersecurity 42
Leveraging Trust As An Asset 44
Ensuring Data Privacy And Security In The New Payments Ecosystem 44
Collaboration Is The Key To Successfully Navigating The Path To The New Payments Ecosystem 46
Closing Thoughts 47
Methodology 48
Glossary 49
About Us 50
Acknowledgements 51Anirban Bose
Head, Banking & Capital Markets
Capgemini (FS SBU)
Jean-Franois Denis
Deputy Global Head of Cash Management
BNP Paribas
Preface
We are pleased to present the World Payments Report (WPR), an in-depth analysis of today’s dynamic
payments environment. WPR 2017, our 13th such effort, marks the second year of partnership between
Capgemini and BNP Paribas, a global banking player and recognized leader in transaction banking and
cash management. Our partnership enables a unique perspective of the global non-cash transaction
environment as it relates to banks while also offering in-depth research on payment-related topics,
particularly relevant for the corporate sector.
The report studies the growing demand for corporate value-added services coupled with structural
changes in the financial industry that are forcing banks and industry participants to build a new
payments’ ecosystem collaboratively. WPR 2017 also analyzes forward-looking non-cash transaction
volume, corporate payments, and the evolution of next-generation payments instruments.
Global non-cash transaction volumes showed the highest growth of the past decade, with volumes
growing 11.2% during 2014–20151 to reach 433.1 billion. Emerging Asia, with a growth rate of 43.4%
and Central Europe, Middle East, and Africa (CEMEA, with growth of 16.4%) were growth-rate drivers.
Our 2017 report also forecasts future growth rates of non-cash transactions, and explores the key drivers
of this growth. Based on our model and hypotheses, we estimate that global non-cash transactions will
increase at a CAGR of 10.9% from 2015–2020, with developing economies growing at 19.6%. E- and
m-payments are expected to take a significant 32% share of the total global non-cash transactions
volumes, which are forecast to record a CAGR of 10.5% during 2015–2020. As corporates increasingly
embrace digital payment methods, worldwide non-cash wholesale transactions are estimated to record
CAGR of 6.5% from 2015–2020.
To encourage adoption of innovative solutions that will eventually improve customer experience, Key
Regulatory and Industry Initiatives (KRIIs) are focused on substantive standardization and transparency results.
Our core theme this year focuses on a deep-dive analysis into the new payments ecosystem. Changing
corporate and customer expectations for value-added services, a dynamic regulatory landscape,
FinTechs, and an increase in payments-enabling technologies are driving the emergence of a new
payments ecosystem.
Banks must embrace this opportunity to enhance their offerings in collaboration with other stakeholders
such as FinTechs and third-party developers. Breakthrough technologies and significant industry
developments are facilitating this collaboration between players, thereby leading to development of the
new ecosystem.
However, an open collaborative environment introduces technical hurdles such as a lack of standardization
and cybersecurity vulnerabilities, which is slowing the pace of the new ecosystem’s emergence. As the way
forward of the ecosystem is still ambiguous, all the stakeholders must be prepared to face uncertain future
and assess their roles accordingly.
1 2015 is the most recent complete year for which full analysis is available
。。。以上简介无排版格式，详细内容请下载查看