市场调查报告书
商品编码
1095204
即时支付的创新Innovation in Instant Payments |
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Instant Payment 是一种创新的支付基础设施,可实现支付系统的现代化并在 60 秒内实现支付。在亚洲,移动钱包直接建立在即时支付的基础设施之上,适合零售交易。在西方国家,即时支付只能通过银行应用程序使用,并且仅限于账户间交易。已建立即时支付基础设施的国家目前专注于促进与其他国家的平台互操作性。
本报告重点关注即时支付创新,通过各种案例研究探索国家即时支付平台,探讨跨境即时支付互操作的好处和挑战。
Instant payments are an innovative payment infrastructure that modernizes payment systems and enables transactions to be settled within 60 seconds. Although it is a natural alternative to card payments, its impact on payment card markets varies per region. In Asia, mobile wallets are built directly on instant payments infrastructure, which makes them more suited for retail transactions. This approach has led to rapid adoption of the technology by both merchants and consumers. In Western countries, instant payments are only available through banking apps, which limits their usage to account-to-account transactions. Countries that have a well-established instant payment infrastructure are now focusing on driving the interoperability of their platforms with other countries.
In this report, through various case studies we explore domestic instant payment platforms across a number of countries. We also explore developments in terms of cross-border instant payment interoperability, including the benefits and challenges of establishing such links.