凯捷：2025年世界支付报告：速度与价值融合引领开放式即时支付的未来（英文版）（64页）.pdf

1、Velocity,meet valueLead in the open and instant future of paymentsWorld Report Series 2025Payments2World Payments Report 2025Foreword 4 Executive steering committee 6Executive summary 7Gear up for the payments transition 8 From just banks to connected marketplaces,all prepare to tap the instant oppo

2、rtunity 22 Unraveling corporate payment complexities for real-time treasury capability 32 Strategic vision helps banks switch from stop-gap tactical adjustments to long-term transaction flexibility 44 Conclusion 55 Methodology 56 Partner with Capgemini 57Contents3World Payments Report 2025ForewordTw

3、enty years ago,payments were a very different business.Capgeminis World Payments Report,now in its 20th year,has had a front-row seat to this incredible transformation.From the humble beginnings of mobile payments to todays complex interconnected financial system,its been a journey defined by innova

4、tion and disruption.The first 10 years(20042013)of Capgeminis World Payments Report witnessed the launch of Google and Apple Pay wallets,P2P payments platform Venmo(US),AliPay and WeChat Pay super apps in China,the emergence of Bitcoin,and the introduction of near field communication(NFC)for contact

5、less payments all contributed to a surge in digital transactions.Initiatives,including Europes Single Euro Payments Area(SEPA)for standardized payments in euro,helped lay the groundwork for a more connected financial ecosystem in Europe.In the US,The Dodd-Frank Act,enacted in 2010,marked a pivotal m

6、oment for financial stability and consumer protection with the Consumer Financial Protection Bureau(CFPB).In the next 10 years(20142024)of the report,regulatory developments including Europes Payment Services Directive(PSD2)and General Data Protection Regulation(GDPR)fueled innovation by fostering o