即時支付的創新

Instant Payment 是一種創新的支付基礎設施，可實現支付系統的現代化並在 60 秒內實現支付。在亞洲，移動錢包直接建立在即時支付的基礎設施之上，適合零售交易。在西方國家，即時支付只能通過銀行應用程序使用，並且僅限於賬戶間交易。已建立即時支付基礎設施的國家目前專注於促進與其他國家的平台互操作性。

本報告重點關注即時支付創新，通過各種案例研究探索國家即時支付平台，探討跨境即時支付互操作的好處和挑戰。

目標範圍

• 東南亞國家引入即時支付平台引領行業
• 印度擁有全球最大的即時支付交易量，預計 2021 年將達到 398 億
• 自該服務於 2020 年 11 月啟動以來，已有超過 1.15 億用戶使用了巴西的即時支付平台 PIX。

購買原因

• 了解引入即時支付的優勢和挑戰
• 確定主要公司
• 了解跨境即時支付的不同方法

目錄

• 簡介
• 創新案例研究
• 結論

附錄

Instant payments are an innovative payment infrastructure that modernizes payment systems and enables transactions to be settled within 60 seconds. Although it is a natural alternative to card payments, its impact on payment card markets varies per region. In Asia, mobile wallets are built directly on instant payments infrastructure, which makes them more suited for retail transactions. This approach has led to rapid adoption of the technology by both merchants and consumers. In Western countries, instant payments are only available through banking apps, which limits their usage to account-to-account transactions. Countries that have a well-established instant payment infrastructure are now focusing on driving the interoperability of their platforms with other countries.

In this report, through various case studies we explore domestic instant payment platforms across a number of countries. We also explore developments in terms of cross-border instant payment interoperability, including the benefits and challenges of establishing such links.

Scope

• Southeast Asian countries are leading the way in terms of adoption of instant payment platforms.
• India boasts the largest volume of instant payment transactions in the world, reaching 39.8 billion in 2021.
• Brazil's instant payment platform PIX has been used by more than 115 million users since its launch in November 2020.

Reasons to Buy

• Understand the advantages and challenges of instant payment adoption.
• Identify the key players in the space.
• Learn about the different approaches to instant cross-border payments.

Table of Contents

Table of Contents

• Introduction
• Innovation Case Studies
• Conclusion

Appendix