最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

中国超越英国成为全球第4大数字支付国

由Capgemini和BNP Paribas发布的最新全球支付年度报告显示,本年度数字支付交易增长幅度高达10%,总量成功突破4263亿美元。

这一数字刷新了2014年增长幅度8.9%、支付总量3873亿美元的记录。

研究认为,此番增长主要应该归功于以下几个原因:(1)关键市场的持续经济增长;(2)EMV标准等安全标准方面的进步;(3)生物认证技术需求的增加;(4)致力于降低数字交易成本倡议的出现。比如英国方面最近的一份报告显示,零售商接受借记卡和信用卡支付的成本大约就缩减了1590万英镑。

发展中国家市场增长迅速

尽管各个地区的数字支付都出现了增长,但是幅度仍有区别,其中发展中国家市场最高可达16.7%,而成熟市场地区大约为6%。然而从全球数字支付市场份额来看,成熟市场仍然占据了其中的70.9%。

其中中国市场的表现尤其强劲。据悉中国已经在数字交易总量上成功超越英国和韩国,成为全球第四大交易市场,紧随美国、欧盟和巴西之后。可以说,中国在过去这几年中已经在金融科技领域取得了突破性的发展。

银行卡市场面临重重压力

报告显示,银行卡使用目前仍然保持正常,而支票的使用频率已经明显出现了下降。即刻支付有望带动整个数字交易的发展--当然,前提是要对股东进行充分的行业知识普及、增加高附加值服务、同时尽快更新商家和企业所用的交易基础设施。

传统银行必须应时而动

就在不久前,巴克莱银行前任首席执行官Anthony Jenkins在Chatham House发表演说时表示,银行业即将迎来自己的"优步时刻",因为科技进步正在改变全球金融服务业的发展进程,而且很有可能将现有服务效率提升一倍还多。

报告也对Anthony Jenkins的这种说法予以了认可。

BNP Paribas现金管理全球副总监Jean-Francois Denis就表示:"尽管资产拥有方的期望最近这些年并未发生过太大变化,但是他们还是希望银行方面能够在账户管理、数据分析和记录追踪、欺诈预防等方面提高数字化支持力度。所以,银行必须尽快行动起来,采用合作方式尽快完成数字化升级。"

It should come as no surprise that digital payment volumes are continuing to increase with annual growth projected to top 10% for the first time to reach 426.3 billion transactions, according to the new World Payments Report (WPR) from Capgemini and BNP Paribas.

The volume will be up from the record-setting 8.9 percent growth in 2014 (387.3 billion transactions).

The research attributes the growth to the continuing economic growth in key markets, improvements in security standards such as increased adoption of the EMV standard and increased demand for biometric technology and initiatives aimed at making digital transactions cheaper than cash – as evidenced by the recent report from the UK that found the cost of handling debit and credit card transactions for retailers has reduced by around £159 million.

Developing markets are growing faster than anyone else

While growth was evident in all regions, it was developing markets that experiences the highest rates at 16.7% and mature markets growing at 6%. However, it should be pointed out that mature markets still account for 70.9% of total global volumes.

It’s been a strong performance from China, which actually surpassed the UK and South Korean digital transaction volumes, taking fourth position among the top ten markets globally, behind the U.S., Eurozone and Brazil. The country has invested very heavily in the fintech industry in recent times.

House of Cards

According to the report, cards remain whilst cheque usage continues to decline. Immediate payments are expected, or at least have the potential, to drive overall growth in digital transactions – however, more effort needs to be expended to educate stakeholders, provide more value-added services, and upgrade infrastructure at merchants and corporates.

Banks must evolve

Not too long ago, the former chief executive of Barclays Bank, Anthony Jenkins, said in a speech at Chatham House that banks are on the verge of their “Uber moment” as technological advancements are on course to force financial institutions around the world to close their branches and possibly fire half of their workforces.

The WPR echoes that by highlighting the opportunities that lie in going digital.

“While treasurers’ fundamental expectations have not changed over recent years – control, visibility on cash, risk management – corporates increasingly expect banks to digitalise support processes such as account management, data analytics, compliance tracking, and fraud detection and prevention,” said Jean-Francois Denis, Deputy Global Head of Cash Management, BNP Paribas. “This calls for banks to accelerate their shift towards digitisation and foster a more collaborative approach.”


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