1、The 2025 McKinsey Global Payments ReportCompeting systems,contested outcomesSeptember 2025This report is a collaborative effort by Felicia Tan,Nilesh Gupta,and Uzayr Jeenah,with Amit Gandhi and Louis Anckaert,representing views from McKinseys Financial Services Practice.The 2025 McKinsey Global Paym
2、ents ReportCompeting systems,contested outcomesThis years report dissects the rise of diverse payment rails,the impact of digital assets,and the transformative power of AI,offering a road map for success in a rapidly evolving global ecosystem.Payments in 2025 are at a turning point.What was once a p
3、ursuit of universal efficiency has become a competition among various market systems,each with its own philosophies,capabilities,and constraints.Some focus on control and interoperability through central infrastructure,while others prioritize decentralization,programmability,and private rails.Others
4、 are integrating payments into platforms,devices,and networks not traditionally associated with finance.How money moves is becoming as critical as how much.Whether its wage payments in Southeast Asia,B2B settlements in Europe,or retail checkouts in Latin America,the design choices being made today a
5、re shaping the next decade of payments and will determine who leads,who follows,and who falls behind.The global financial system is influenced by nonfinancial factors such as tariffs,data governance rules,energy constraints,and national security priorities.The growing divergence in payments reflects
6、 the evolution of the broader financial system into a mosaic of regions with different standards,timelines,currencies,and trust anchors.Against this backdrop,the payments industry remains the most valuable part of financial services,generating$2.5 trillion in revenue from$2.0 quadrillion in value fl
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