2020年全球支付卡和支付行业趋势报告 - 印孚瑟斯（英文版）（40页）.pdf

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1、GLOBAL TRENDS IN THE CARDS AND PAYMENTS INDUSTRY 2020 External Document 2020 Infosys Limited2 | Global trends in cards and payments industry 2020 Contents Foreword .4 New payments ecosystem on real-time payment rails .5 Embedded, ubiquitous and standardized payments .10 AI- and Ml-led digital transf

2、ormation.15 Technology innovation to scale up payments offerings .20 Embracing innovative fintech business models .24 Product innovation-led differentiation in payments offerings .29 References .34 Infosys contributors .37 External Document 2020 Infosys LimitedGlobal trends in cards and payments ind

3、ustry 2020 | 3 External Document 2020 Infosys Limited4 | Global trends in cards and payments industry 2020 New technology and competition from fintechs have rapidly disrupted the financial services industry, especially cards and payments. Payments are increasingly ubiquitous, embedded, standardized,

4、 and secure, reducing friction in processing and ultimately transforming the customer experience. Global Trends in the Cards and Payments Industry 2020 analyzes this new ecosystem of real-time payments, including ways to scale solutions, simplify payments, and monetize data. The report also provides

5、 insights on how industry players are transforming their businesses by utilizing technologies such as distributed ledger, cloud, artificial intelligence, machine learning, big data, digital, conversational commerce (e.g., smart speakers), wearables and analytics. These trends and technologies have p

6、rofoundly changed the cards and payments industry. With resiliency powered by cloud computing, transaction processing platforms can now handle spikes in traffic and ensure banks stay open 24/7. The rapid growth of cross-border e-commerce and expansion of global operations makes the concept of peak a