2020年全球支付：转型与融合 - BNY Mellon（英文版）（49页）.pdf

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1、Global Payments 2020: Transformation and Convergence GLOBAL PAYMENTS 2020: TRANSFORMATION AND CONVERGENCE / 2 Global Payments 2020: Transformation and Convergence Foreword By Dominic Broom, Head of Sales and Relationship Management for Europe, the Middle East and Africa, Treasury Services, BNY Mello

2、n The following pages conjure a vision of the payments landscape in 2020 and beyond. We believe that the world of payments is going to be fundamentally transformed between now and then. It will be reshaped by technology and redefined by regulation, the emergence of new economic powers, and changes i

3、n the global currency landscape. Most importantly, payments will be refocused from a commoditised proposition to a strategic, value-adding solution; one that is offered with greater focus on the broader commercial and transactional context within which a payment (or a transfer of value) takes place.

4、 Indeed, in 2020 a payment will be understood to be much more than just the settlement of a transaction or the mere movement of funds. The broader commercial, retail, investment or public sector environment of payments will be taken into account, and “payment-proximate” activities (such as investmen

5、t decisions, trade-related financing and risk mitigation, the cross-border movement of salaries and pensions and a host of other core activities) will become part of the basis upon which providers develop greater value propositions. The world of payments in 2020 will look very unlike it does today,

6、and market transformation has already begun. The competitive landscape will be redefined by the entry of non-traditional providers, the evolution of new solutions provided by financial institutions, and the development of strategic alliances that cross traditional sectoral boundaries. Besides transf