2025-01-19-Capgemini-凯捷金融服务2025年趋势-支付（英）_33页_1mb

Capgemini Financial Services Top Trends 2025 Summary

Capgemini identifies three broad themes in the FS Top Trends 2025: Customer First, Enterprise Management, and Intelligent Industry.

Key Trends:

1. Open Finance

   • Regulators are improving financial data access, enabling personalized services.
   • Banks face challenges like non-standardized APIs but can leverage open finance for monetization (e.g., Nubank, Klarna).

2. Instant Payments

   • Instant payment rails are growing, reducing reliance on cards and cash.
   • Banks must adapt to avoid profitability declines (e.g., Wero, Pix).

3. POS Innovations

   • Soft POS terminals and embedded payments enhance merchant capabilities and customer flexibility.
   • Innovations like Revolut and J.P. Morgan’s biometric payments reduce costs and improve experiences.

4. Cross-Border Payments

   • Instant multi-territory corridors (e.g., CBDC, DLT) reduce settlement times and costs.
   • Models like DLT-based transfers (e.g., WorldFirst, Partior) improve speed and efficiency.

5. Composable Cloud-Based Payment Hubs

   • Cloud-native hubs centralize payment processing, reduce operational risks, and improve efficiency.
   • Banks like Security Bank and ADIB use hubs to streamline payments and boost CX.

6. Multi-Rail Payment Strategy

   • Businesses integrate multiple payment rails (e.g., CBDC, SWIFT, real-time) to offer flexibility.
   • HSBC and Alexbank leverage multi-rail partnerships to enhance fraud detection and payment speed.

7. Operational Resilience

   • Regulatory requirements (e.g., DORA) demand robust cybersecurity and disaster recovery.
   • Banks invest in resilience testing and third-party risk management (e.g., DBS Bank).

8. Decentralized Identity (DID)

   • DID combats fraud and gives users control over personal data, streamlining KYC processes.
   • Banks like HSBC and MUFG pilot DID for secure authentication.

9. Remittance Transformation

   • Digital wallets and blockchain reduce costs and transfer times for remittances.
   • Initiatives like CIBC and Wise offer lower fees, supporting UN SDG 10.c.

10. Data Monetization

    • Payments data drives innovation and new revenue streams through targeted marketing and risk management.
    • Banks like JPMorgan Chase leverage data partnerships for personalized offerings.

Priority Matrix:

• Trends are prioritized by sector importance, business impact, regulatory urgency, and operational challenges.

Key Recommendations:

• Adopt Ecosystem Integration: Collaborate with FinTechs and cloud providers.
• Enhance Regulatory Compliance: Prepare for DORA and operational resilience standards.
• Leverage Technology: Use AI, blockchain, and cloud to future-proof payment systems.

Capgemini offers support through its Connected Payments solution and Open Banking framework to help clients navigate these trends.