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2020年欧洲支付展望报告 - Emerging Payments Association(英文版)(56页).pdf

上传人: Me****y 编号:21406 2020-10-23 56页 3.88MB

1、THE EUROPEAN PAYMENTS LANDSCAPE IN PERSPECTIVE 2020 REPORT 2 The European payments landscape in perspective ABOUT THE EMERGING PAYMENTS ASSOCIATION EU The Emerging Payments Association EU A.S.B.L (EPA EU) is a non-profit association of payments industry influencers based at the LHoFT in Luxembourg.

2、The purpose of the Association is to promote and defend the interests of its members and as well as the study of any issues concerning the payments industry in the European Union. EPA EU builds on the international network of our London-based sister organisation, the Emerging Payments Association (E

3、PA), consisting of 150 members from across the payments value chain; including payments schemes, banks and issuers, merchant acquirers, PSPs, retailers, and more. EPA EU seeks to achieve its objectives by organizing events, managing projects defending the interests of its members, publishing researc

4、h documents and providing training. Collectively, members of the EPA transact more than 6 trillion annually and employ more than 300,000 staff, meaning that we now have a significant influence over the industrys future. WHY JOIN THE EMERGING PAYMENTS ASSOCIATION EU? If youre going to really prosper

5、in payments, you need access. You need to know the right people. And you need to be on the pitch and make your voice heard. You also need the freshest news and the latest thinking, and a pool of partners and prospects in which to fish. And you need influence over the future landscape so that when yo

6、u get there, you thrive. As a member of the EPA EU you will move your business from reactive to proactive to predictive. From follower to leader. Gaining first mover advantage or a competitive edge. And you will avoid investing in no-hope technology or from incurring a regulators wrath. You need pow

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本文主要介绍了2020年欧洲支付景观的现状。文章首先指出,全球支付行业正在经历快速变革,特别是新冠疫情的爆发可能加速从实体卡支付向无接触数字钱包的转变。接着,文章分析了北美、亚洲和欧洲的支付市场。 在北美,美国是全球支付创新的中心,但支付基础设施相对分散,技术采纳较慢。加拿大则拥有高度集中的支付市场。 在亚洲,中国、日本和韩国的电子支付市场高度发达,其中中国的微信支付和支付宝是市场领导者。印度的数字支付市场也在快速增长。 在欧洲,支付市场高度碎片化,各国支付习惯差异显著。欧洲央行正在推动即时支付的普及。北欧国家如瑞典和挪威的账户对账户支付正在取代卡支付。英国和德国在数字银行和移动支付方面处于领先地位。法国的卡支付使用率较高,而意大利则以预付卡使用率高而著称。 总体来看,全球支付行业正在向数字化和无现金化转型,但各国发展速度和模式存在差异。
欧洲支付格局如何? 北美在支付创新方面有何优势? 亚洲支付市场有哪些主要趋势?
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