Marqeta：2023年支付状况报告（中译版）（27页）.pdf

1、Marqeta 2023State of Payments Report2Table of Contents0102IntroductionPage 3Part 2Page 14ConclusionPage 26Part 1Page 5Part 3Page 18030405Loyalty,Habit and ConvenienceConvenience and Optionality vs.Loyalty and HabitPreferences Driving The Adoption Of Embedded Financial Services3The digital age has br

2、ought numerous innovations and benefits to consumers around the globe-from the birth and boom of ecommerce to social networking;from remote work to now,embedded finance.Increasingly,we have become accustomed to the speed with which we can acquire and share information,the range of services available

3、 to us,and the streamlined user experience that most ofer.While online marketplaces and travel booking tools were quick to go digital,some industries,including financial services,have been slower to adapt.The longstanding tension between the convenience and sleek user experience of the new age that

4、we are all so accustomed to,and the traditions of the past has reached an inflection point.Emerging solutions and legacy systems have never been closer to converging.Perhaps still ongoing due to loyalty or habit-as this survey will reveal-financial services and the digital age have never been more i

5、ntertwined.IntroductionIntroductionPart 1Part 2Part 3Conclusion4Figure 120222023Mobile payment use75%77%61%26%37%72%81%90%Consumers confident enough to leave their wallet at home and only take their phone for paymentsConsumers who believe adding cards to mobile wallets is a simple processConsumers t

6、hat use a traditional bank and digital bank servicesKey Adoption and Attitude Trends:2022 v 2023IntroductionPart 1Part 2Part 3ConclusionBuilding on our 2022 State of Payments Report,this year Marqeta surveyed 4,000 people-2,000 from the United States,1,000 from Australia,and 1,000 from the United Ki