2017全球支付报告（英文）_44页-1mb

报告摘要

World Payments Report 2017 Summary

Core Content

The World Payments Report 2017 provides an in-depth analysis of the global non-cash transaction market and highlights key regulatory and industry initiatives shaping the payments landscape. It outlines the trends, growth, and challenges in digital payments, the continued role of cash, and the impact of regulations such as PSD2.

Main Trends and Findings

Global Non-Cash Transaction Growth

Global non-cash transaction volumes grew by 11.2% in 2014-2015, reaching 433.1 billion, the highest growth rate of the past decade.
Developing nations recorded a 21.6% growth rate, significantly outpacing mature markets at 6.8%.
Emerging Asia and CEMEA were the main drivers of this growth, with rates of 43.4% and 16.4%, respectively.

Regional Highlights

China climbed to third place among the top 10 non-cash markets, with 38.1 billion transactions, surpassing Brazil (29.0 billion).
China's growth was driven by 63.2% increase in non-cash transactions, attributed to rural digital payments adoption and a shift from cash to mobile payments.
South Korea achieved 11.9% growth, becoming the only non-China and non-Russia country in the top 10 to reach double-digit growth.
Russia overtook Canada in the eighth position, with 12.7 billion transactions and 30.0% growth.

Payment Instruments

Debit cards and credit transfers were the leading digital instruments in 2015.
Debit cards accounted for 46.7% of global non-cash transactions, up from 45.5% in 2014.
Credit cards saw a 10% global increase in volume, but their share of non-cash transactions dropped slightly.
Check usage continued to decline globally by 13.4% in 2015, with notable drops in countries like Finland (62%) and Ireland (32%).

Cash's Persistent Role

Cash remains mainstream for low-value transactions, especially in developing markets.
Factors supporting cash use include anonymity, lack of modern payment infrastructure, and limited banking access.
While cash share in total payment volumes is declining in most countries, cash-in-circulation (CIC) has remained stable or slightly increased over the past five years.
The CIC to GDP ratio is rising faster in most countries, which may slow the transition to cashless societies.

Key Regulations and Industry Initiatives

PSD2 Overview

PSD2 (Payment Services Directive 2) is a major regulatory initiative expected to be implemented in early 2018.
It aims to promote competition and innovation in the payments sector and is expected to have far-reaching effects on banks, PSPs, FinTechs, and corporates.
Uncertainties exist around national transposition, regulatory technical standards (RTS), and the impact on stakeholders.

Stakeholder Impact

Banks face challenges in adapting to PSD2, including the need to open up payment systems for third-party providers.
Third-party payment service providers (PSPs) and FinTechs are expected to benefit from the directive.
Merchants and customers may experience increased innovation and choice, but also complexity and costs.

Asia-Pacific Payment Regulation

Key Considerations for CFOs and Treasurers

Southeast Asia and China are experiencing rapid changes in payment regulations.
Indonesia and Malaysia have evolving regulatory environments.
China's regulations in 2016 limited the use of overseas-based digital wallets, potentially affecting international users.
India has seen a significant increase in digital payments following demonetization in November 2016.
India aims for 25 billion non-cash transactions by 2017-18, with a focus on mobile payments, government subsidies, and microtransactions.

Impact on Banks

Banks in the Asia-Pacific region are under pressure to adapt to increasing regulation and digital transformation.
Contactless payments are growing rapidly, especially in Australia and South Korea.

Closing Thoughts

The report emphasizes the importance of collaboration and innovation in the face of regulatory challenges. It also highlights the complexity of Asia-Pacific regulations and the need for banks to act as guides for corporates in navigating these changes. The digital transformation of payments is expected to continue, with instant payments and FinTech integration playing a central role.

Methodology and Glossary

The report is based on data from Capgemini Financial Services Analysis, ECB Statistical Data Warehouse, Bank for International Settlements Red Book, and country central bank annual reports.
A glossary is provided for key terms such as KRIIs (Key Regulatory and Industry Initiatives), PSD2, CIC, RTS, and others.

About and Acknowledgements

The report is a collaboration between Capgemini and BNP Paribas, with insights from Anirban Bose and Jean-François Denis.
Acknowledgements are made to various financial institutions and regulatory bodies for their data and contributions.

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