2017全球支付报告（英文版）_50页_3mb

报告摘要

World Payments Report 2017 Summary

Core Content

The World Payments Report 2017 is a collaborative effort by Capgemini and BNP Paribas, providing an in-depth analysis of the evolving global payments environment. The report highlights the rapid growth of non-cash transactions, the impact of technological innovation, and the role of regulatory and industry initiatives in shaping the future of payments.

Key Findings

Historical Non-Cash Transaction Growth

Global non-cash transaction volumes grew by 11.2% in 2014–2015, reaching 433.1 billion, the highest growth of the past decade.
Developing markets contributed 32.1% of the global volume and saw a 21.6% growth rate, outpacing the 6.8% growth in mature markets.
Emerging Asia (particularly China and India) was a key growth driver with 43.4% and 16.4% growth, respectively.
China surpassed Brazil as the third-largest non-cash transaction market in 2015, with 38.1 billion transactions.
Debit cards and credit transfers were the leading digital payment instruments, with debit cards accounting for 46.7% and credit cards for 19.5% of global non-cash transactions.
Check usage continued to decline globally by 13.4%, driven by the rise of electronic payment methods.

Future Growth Projections

Global non-cash transactions are expected to grow at a CAGR of 10.9% from 2015–2020, with developing economies growing at 19.6%.
Emerging Asia is projected to grow at an impressive CAGR of 30.9%, led by China and India.
China is expected to grow at 36.5% from 2016–2020, driven by proximity mobile payments and digital innovation.
India is projected to grow at a CAGR of 26.2% from 2016–2020, supported by government initiatives and financial inclusion programs.
E- and m-payments are expected to capture 32% of the global non-cash transaction volume by 2020, growing at a CAGR of 10.5%.
Mature markets (including North America, Europe, and Mature Asia Pacific) are expected to see stabilized growth rates of 5.6–6.5% over the same period.

Key Trends and Drivers

Digital innovation and financial inclusion are the main drivers of non-cash transaction growth in emerging markets.
Mobile payments and digital wallets are expected to play a crucial role in the future of payments, especially in Asia-Pacific and Latin America.
Contactless payments are becoming more prevalent, with Europe leading in adoption, particularly in the U.K. and France.
Technological advancements such as blockchain, IoT, and biometrics are redefining payment use cases, especially in retail and corporate sectors.
Regulatory and industry initiatives (KRILs) are promoting standardization and transparency, which are essential for the development of a new payments ecosystem.

Challenges and Considerations

Collaboration between banks, FinTechs, and third-party developers is necessary to build a new payments ecosystem.
Technical hurdles such as lack of standardization and cybersecurity vulnerabilities are slowing the pace of ecosystem development.
Cash remains dominant in low-value transactions, especially in emerging markets, due to demographics, lack of modern infrastructure, and preference for anonymity.
Cash in circulation (CIC) has remained stable or increased slightly over the past five years, which may delay the transition to cashless societies.
Rural markets in China and India are untapped but have high potential for growth in the coming years.
Regulatory changes, such as interchange fee caps in Europe, and economic uncertainty could slow credit card growth.

Strategic Implications

PSPs (Payment Service Providers) with global ambitions should focus on Asia for volume growth and scale.
China is expected to challenge the U.S. as the leading non-cash transaction market by 2020.
India has substantial growth potential due to its lower per capita non-cash transactions and digital initiatives.
Financial technology firms from China and India may export their services to other regions, and global corporates may relocate treasury offices to Singapore to benefit from proximity to China and innovation.
Blockchain and IoT are expected to disrupt traditional payment models, but scalability and adoption remain key challenges.
Regulators and central authorities must facilitate innovation and ensure a level playing field through regulatory changes and new legal frameworks.

Conclusion

The World Payments Report 2017 underscores the rapid transformation of the global payments landscape, driven by digital innovation, financial inclusion, and technological advancements. While non-cash transactions continue to grow, cash still plays a significant role in low-value and demographically driven markets. Emerging economies, particularly China and India, are poised to dominate future growth, and collaboration among banks, FinTechs, and regulators will be essential to navigate the evolving ecosystem.