1、PAYMENTSTOP TRENDS 2023CONTENTSForeword 3Introduction 4Trend 1:B2B Buy Now/Pay Later(BNPL)picks up momentum amid post-pandemic macroeconomics 6Trend 2:Embedded finance providers leverage customer data and actionable insights to unlock new use cases 8Trend 3:Global adoption of ISO 20022 opens doors t

2、o data monetization 10Trend 4:Central banks gear up to pilot and implement CBDCs 12Trend 5:Composable architecture creates competitive advantage efficiencies 14Trend 6:Real-time cross-border payment rails will boost the speed and volume of regional trade 16Trend 7:An end-to-end ecosystem approach si

3、mplifies payment hub modernization 18Trend 8:PayTech innovation and ecosystem partnerships focus on revamping SMB payments 20Trend 9:Tokenization a multi-pronged approach for scalable and secure card payments infrastructure 22Trend 10:Eco-friendly cards,digital payments,and cloud-based payments hubs

4、 will boost sustainability 24Conclusion 26Payments Top Trends 20232Anirban Bose Financial Services Strategic Business Unit CEO&Group Executive Board Member,CapgeminiFOREWORDPayments is one of the most disrupted domains within the financial services industry.Technological innovations and shifts in cu

5、stomer behavior and expectations have fueled this disruption and the categorys resulting trajectory.This offers opportunities and explosive growth for traditional players and newcomers alike.Financial institutions will continue to implement initiatives to modernize payments hubs throughout 2023.B2B

6、users growing appetite for Buy Now,Pay Later(BNPL)solutions in 2023 is prompted by the traditional financing limitations and B2C volatility.On the other hand,financial institutions(FIs)are exploring new use cases of embedded finance.Cross-border payments will continue gaining traction as central ban