EBA：金融科技对支付和电子货币机构商业模式影响报告(英文版)(35页).pdf

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1、 EBA REPORT ON THE IMPACT OF FINTECH ON PAYMENT INSTITUTIONS AND E-MONEY INSTITUTIONS BUSINESS MODELS JULY 2019 IMPACT OF FINTECH ON PAYMENT INSTITUTIONS AND E-MONEY INSTITUTIONS BUSINESS MODELS 1 Contents Contents 1 Abbreviations 2 Executive summary 3 1. Background 5 1.1 General 5 1.2 Methodologica

2、l approach 6 2. Current landscape 7 2.1 Key trends 7 2.2 Key drivers 10 3. Current approach to FinTech 14 3.1 Interaction with FinTech firms 14 3.2 Interaction with BigTech firms 16 3.3 Use of technology-based innovations 18 4. Impact on payment and e-money institutions 24 4.1 Overview 24 4.2 Specif

3、ic observations on each payment service provider category 28 5. Key challenges 30 6. Conclusions 32 IMPACT OF FINTECH ON PAYMENT INSTITUTIONS AND E-MONEY INSTITUTIONS BUSINESS MODELS 2 Abbreviations AI artificial intelligence AIS account information services API application programming interface APS

4、P account-servicing payment service provider B2B business-to-business B2P business-to-person DLT distributed ledger technology EBA European Banking Authority ECB European Central Bank EMI electronic money institution FinTech financial technology FSB Financial Stability Board GDPR General Data Protec

5、tion Regulation ICT information and communication technology KYC know-your-customer NFC near-field communication P2P peer-to-peer PI payment institution PIS payment initiation services PSD2 Revised Payment Services Directive (Directive 2015/2366/EU) PSP payment service provider RegTech regulatory te

6、chnology RTS regulatory technical standards SMEs small and medium-sized enterprises TPP third-party provider IMPACT OF FINTECH ON PAYMENT INSTITUTIONS AND E-MONEY INSTITUTIONS BUSINESS MODELS 3 Executive summary This report focuses on the current trends and drivers shaping the business models of pay