Capgemini-凯捷金融服务2025年趋势-支付（英）-2025.1_32页_1mb

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Capgemini Financial Services Top Trends 2025 - Payments Summary

Core Themes

Capgemini's Financial Services Top Trends 2025 are organized around three core themes:

Customer First: Transforming customer experience through omnichannel interactions and personalized services.
Enterprise Management: Enhancing agility and operational efficiency to optimize business costs.
Intelligent Industry: Utilizing modern digital solutions to transform the value chain and deliver end-to-end digital experiences.

Payments Top Trends 2025

1. Open Finance

Core Content: Open finance is expanding to include a 360-degree financial footprint, enabling seamless data exchange across institutions and third-party providers.
Key Points:
- Regulators are improving access to financial data, which is driving growth in open finance use cases.
- Open finance addresses the limitations of open banking, such as non-standardized APIs and lack of control over data use.
- Examples:
  - Nubank (Brazil): Leverages open finance to enhance credit assessments and help users save over USD 1.16 million in interest.
  - Klarna (Global): Partners with major players to offer flexible payment options and expand within the open finance ecosystem.

2. Instant Payment Adoption

Core Content: Instant payments are growing rapidly, impacting traditional payment methods like checks and debit cards, while BigTech wallets dominate.
Key Points:
- Instant payments are expected to grow from 16% to 22% of global payment transaction volume by 2028.
- Instant A2A payments could offset 15-25% of future card transaction growth.
- Wero (Europe): Launched as a digital wallet and instant money transfer solution, enabling instant payments via phone numbers and QR codes.
- Pix (Brazil): Expanded to Europe with a pilot at Barcelona airport, allowing QR payments for travelers to Spain and Portugal.
- Benefits:
  - Lower transaction costs for banks.
  - Enhanced cash conversion cycles for small businesses.
  - Strategic relationships with corporations through real-time treasury management.

3. POS Innovations

Core Content: POS innovations are essential for improving merchant acquisition and customer payment flexibility.
Key Points:
- Soft POS is expected to replace traditional terminals, offering low maintenance and minimal upfront investment.
- POS solutions now integrate payments, inventory management, loyalty programs, and analytics.
- Revolut (UK/Ireland): Introduced a POS terminal in October 2024, integrating business accounts, analytics, and multi-location management.
- J.P. Morgan (US): Partnered with PopID to roll out in-store biometric payments via facial recognition, reducing checkout times and increasing ticket sizes.
- Benefits:
  - Increased customer flexibility with more payment options.
  - Reduced abandoned orders and boosted revenues.
  - Enhanced fraud reduction and quicker fund access.

4. Cross-Border Payments

Core Content: Multi-territory instant payment corridors are transforming cross-border payments by increasing speed and efficiency.
Key Points:
- Initiatives like Project Nexus (BIS) and instant cross-border payments (US-EU) are reducing settlement times and exchange fees.
- Emerging models such as CBDC and DLT are minimizing reliance on intermediaries.
- WorldFirst (UK): Launched real-time cross-border payments in August 2024, enabling payments in over 200 markets and 90 currencies.
- Partior (DLT Network): Offers real-time, multi-currency clearing and settlement, reducing risk and enhancing speed for international transactions.
- Benefits:
  - Faster and more efficient cross-border transactions.
  - Enhanced trust through real-time monitoring.
  - Reduced costs for businesses and merchants.

5. Composable Cloud-Based Payment Hubs

Core Content: Cloud-based payment hubs provide a unified, cost-effective, and scalable solution for multi-rail payment processing.
Key Points:
- Legacy systems are fragmented, leading to inefficiencies and high maintenance costs.
- Composable cloud hubs allow financial institutions to centralize and customize payment activities.
- Partnerships with Payments-as-a-Service (PaaS) specialists help in setting up and scaling these hubs.
- Security Bank (Philippines): Collaborated with ACI Worldwide to modernize its payment infrastructure and streamline processes.
- Abu Dhabi Islamic Bank: Utilizes composable cloud hubs to manage payment rail operations efficiently.
- Benefits:
  - Reduced operational costs and enhanced interoperability.
  - Increased flexibility and scalability.
  - Ability to adapt to regulatory changes and innovate quickly.

Priority Matrix

Capgemini's Priority Matrix highlights the criticality and business impact of the 2025 trends in the payments sector, considering factors like:

Softening inflation and high interest rates
Intense competition and customer centricity
Geopolitical instability
Operational cost overruns and high capital lock-in
Dynamic regulatory activity

Summary of Key Trends and Their Impacts

Trend	Impact on CX	Impact on Operational Excellence	Impact on Regulatory Compliance	Impact on Profitability
Open Finance	High	Medium	High	High
Instant Payment Adoption	High	High	Medium	High
POS Innovations	Medium	High	Medium	High
Cross-Border Payments	High	High	High	High
Composable Cloud Hubs	High	High	High	High

Conclusion

The Capgemini Financial Services Top Trends 2025 highlight the transformative potential of digital innovation in the payments sector. Open finance, instant payments, POS innovations, cross-border payments, and composable cloud-based payment hubs are reshaping how financial institutions operate and engage with customers. These trends emphasize the need for agility, efficiency, and customer-centric strategies to stay competitive in a rapidly evolving market.

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