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1、In this hotly contested market,90%of todays revenue pool could migrate to software vendors,major technology firms,and other contenders.By Karim Ahmad,David Gunn,Antonio Cerqueiro,and Erin McCuneConsumer-to-Business Payments:A Strong Growth Outlook,but Only for the Well-PreparedNet Promoter ScoreSM i

2、s a service mark of Bain&Company,Inc.,NICE Systems Inc.,and Fred Reichheld.NPS Prism is a registered trademark of Bain&Company,Inc.,NICE Systems Inc.,and Fred Reichheld.Copyright 2023 Bain&Company,Inc.All rights reserved.1Consumer-to-Business Payments:A Strong Growth Outlook,but Only for the Well-Pr

3、eparedAt a Glance Consumer-to-business payments will increase 6%over the next five years,we project,including growth in digital wallets,account to account,and cards.Competition is intensifying for retail merchant and consumer accounts,and as much as 90%of todays retail payments revenue is at risk of

4、 changing ownership to independent software vendors,major technology firms,and others.Emerging web3 applications could open participation in payments to a much broader swath of nonfinancial businesses and consumers.Incumbent banks and card schemes need to substantially revise their strategy,marketin

5、g and sales programs,and technology investments.Retail payments is a rich and promising industry,earning what Bain&Company estimates as$356 billion in global revenue in 2021,with projected annual growth of 6%to$480 billion by 2026(see Figure 1).Its not just alternative payment methods such as digita

6、l wallets and account-to-account arrangements that are growing;traditional credit and debit cards are still thriving(see Figure 2).Consumers in many markets continue to replace cash,while cards are expanding in major developing markets such as India and Brazil despite the introduction of real-time a