美國的B2B付款：市場動向 是由出版商Mercator Advisory Group, Inc.在2007年04月所出版的。
這份英文市場調查報告書包含23 pages, 7 exhibits 價格從美金2950起跳。
Abstract
NEW RESEARCH REPORT BY MERCATOR ADVISORY GROUP
Mercator Advisory Group, one of the fastest growing financial services
research companies in the United States, announced today the availability of
its latest report, U.S. B2B Payments: State of the Market. This latest
report delivers a B2B payments growth forecast, an overview of
Business-to-Business (B2B) payments, how businesses communicate their payments
and information, major payments network basics, and leading bank processors.
This report sets the stage for further B2B content as Mercator Advisory Group
continues its coverage of the United States Payments Market, that includes
separate forecasts of checks, ACH, CHIPS, and Fedwire volume through 2010.
The report reviews how B2B payments are processed by companies and the pros
and cons of each method.
Financial professionals state their issues, concerns, and desires around the
payments market. They speak from experience and frustration about their
day-to- day interaction with payments networks, various payments methods, and
the barriers to future progress.
Highlights of the report include:
- Banks are struggling to serve many masters; some with like goals and
others with contradictory ones. Regulators, corporate clients, Boards of
Director,
- and shareholders are pulling in their own directions.
- Some payment types are declining while others are picking up that slack
ACH, CHIPS, and Fedwire payments are taking the place of B2B check.
- Businesses of all sizes are trying to send payments in the most
cost-effective way and not through the bank established channels. New
non-bank entities will arise to fill the void.
- There are a few large banks that process most of the B2B payments in the
U.S. Most of these banks are also based in the U.S., but two are foreign
banks.
- Corporate financial professionals want a conversion from paper to
electronic payments, but only if they can get the payment information with the
money transfer.
“The B2B payments industry in the U.S. and in other countries are
struggling with an identity crisis. Regulatory authorities are demanding that
the payments industry tighten their reins on the adherence to regulations and
compliance mandates; technology is enabling payments providers, banks, and
network to venture further into new frontiers; practitioners are worried about
security; and infrastructures are getting old and in need of repair or
replacement,” states Tim Sloane, Research Director at Mercator.
“The task of replacing these systems is so daunting; no wonder no one
wants to launch a project to overhaul the enterprise payments network within
the business or within the banks.”
Table of Contents
1. INTRODUCTION
2. THE B2B MARKET
3. B2B GROWTH FORECAST
4. OVERVIEW OF B2B PAYMENTS
- SIZE DOES MATTER
- Small and mid-sized companies
- Murphy' s Law
- Taking a page from manufacturing
5. HOW BUSINESSES COMMUNICATE PAYMENT DATA TO PARTNERS
- EDI (Electronic Data Interchange)
- Financial EDI (FEDI)
- eXtensible Markup Language
6. PAYMENT PROCESSORS
- FEDWIRE
- CLEARING HOUSE INTERBANK PAYMENTS SYSTEM (CHIPS)
- AUTOMATED CLEARING HOUSE (ACH)
- The Automated Clearing House (ACH) Network
- SWIFT
- SCORE
- The SWIFT MA-CUG Model
7. LEADING PAYMENTS BANKS
- Big Banks on Campus
- Bank of America
- Bank of New York
- Citibank
- Deutsche Bank
- JPMorgan Chase
- HSBC (The Hong Kong and Shanghai Banking Corporation Limited)
- Wachovia
8. OPPORTUNITIES AND THREATS OF US MARKET
- OPPORTUNITIES FOR BANKS:
- THREATS TO BANKS:
- OPPORTUNITIES FOR BANK CUSTOMERS:
- THREATS TO BANK CUSTOMERS:
9. CONCLUSION
List of Exhibits
- FIGURE 1: CHECK CLEARING - PRIVATE AND FEDERAL RESERVE (MILLIONS OF CHECKS)
- FIGURE 2: - US PAYMENTS PROCESSED IN MILLIONS OF TRANSACTIONS
- FIGURE 3: - PRIVATE VERSUS FEDERAL RESERVE CLEARING (MILLION TRANSACTIONS)
- FIGURE 4: - VALUE BY REGION (TRANSACTIONS)
- FIGURE 5: VALUE BY REGION - (USD BILLIONS)
- FIGURE 6: TYPICAL ORDER TO PAYMENT B2B FLOW DIAGRAM
- FIGURE 7: EDI FLOW DIAGRAM
- FIGURE 8: FLOW DIAGRAM FOR FINANCIAL ED
- FIGURE 9: ILLUSTRATES THE CHIPS PAYMENT PROCESS
- FIGURE 10: THE ACH PROCESS
- FIGURE 11: SWIFTNET TRAFFIC FOR 2006
- FIGURE 12: SCORE MODEL
- FIGURE 13: THE MA-CUG MODEL FOR CORPORATIONS COMMUNICATING WITH SWIFT
