埃森哲：支付个性化（中译版）（37页）.pdf

1、Paymentsgets personalHow to remain relevant as consumers seek controlIn the aftermath of the COVID-19 crisis,the tempo of change in consumer behaviors and expectations has hastened.Geopolitical shifts,accelerating digitalization and significant economic turbulence are reshaping how people pay and mo

2、ve their money.At the same time,the friction-free experiences offered by social and e-commerce platforms are setting new benchmarks for consumer payments.With economic volatility growing,consumers are seeking more control over their payments choices.As payments methods continue to evolve,consumers w

3、ant to pay anywhere,anytime,anyhow.However,the payments landscape is becoming increasingly complex and fragmented with innovative digital payment providers taking a much larger share of wallet at the expense of traditional providers.Our new report identifies ways leading banks and payments players c

4、an increase their relevance in the consumer transaction journey and capitalize on future innovations.Staying ahead in an increasingly complex game2Payments Gets Personal|IntroductionNext-generation consumer payments have been growing at a rapid rate dueto changes in consumer behavior,advances in tec

5、hnology and regulation,and the entry of innovative new players into the payments space.Rising inflation and higher interest rates are also changing the dynamics of the market as consumers look to reduce costs.An Accenture survey of 16,000 customers in 13 countries spanning Asia,Europe,Latin America

6、and North America found that more than half of all consumers have adopted digital payment methods such as digital wallets,many of which displace banks brands from the customer experience.Traditional payments methods still dominate most markets,but next-gen alternatives are rapidly gaining share.Our