凯捷(Capgemini)发布《2020年世界支付报告》:COVID-19会引发现金支付终结吗?

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A recipe of increased payment volume consumer behavior shifts, and greater risk create a new landscape for payments

根据凯捷(Capgemini)发布的《2020年世界支付报告》,尽管支付公司需处理的交易量增多,并面临更大的竞争以及COVID-19加剧的风险因素,它们也正在迅速转型。

Paris, October 6, 2020 – Payment firms are being pushed rapidly into transformation, even as they handle larger transaction volumes, face increased competition and heightened risk factors amplified by COVID-19, according to the World Payments Report 2020 published today by Capgemini.

“COVID-19加快了支付领域内的创新速度,迅速形成 ‘下一个常态’,要求支付企业几乎在一夜之间成为数字高手。现在,支付提供商比以往任何时候都更需要提供差异化的产品,强调速度、便利性和超强的端到端客户体验。目前,我们看到有远见的银行和支付公司正勤奋地优先考虑技术转型,并积极采取’策动和协作’的方式,与敏捷的新玩家合作,以创建更灵活的企业。”凯捷金融服务首席执行官、集团执行董事会成员Anirban Bose说到。

COVID-19 has accelerated the rate of innovation within the payments space to quickly form the ‘next normal,’ requiring payments firms to be digital masters almost overnight. Now more than ever, payments providers need to deliver differentiated offerings that emphasize speed, convenience, and a superb end-to-end customer experience,” said Anirban Bose, CEO of Capgemini’s Financial Services and Group Executive Board member. “Currently, we are seeing visionary banks and payments firms diligently prioritizing technology transformation and actively adopting a ‘curate and collaborate’ approach by teaming with agile new players to create more nimble organizations.”

在疫情开始之前,支付量达到了新的高度,预计将继续增长,但增速将反映出对非现金交易的依赖增加以及全球经济疲软的影响。报告预测,2019-2023年全球非现金交易的复合年增长率(CAGR)预计为12%。2018-2019年,全球非现金交易量激增近14%,达到7085亿笔交易,创下过去十年来的最高增速。亚太地区超过欧洲和北美,成为2019年非现金交易量的领导者,达到2436亿。增长的动力来自智能手机使用量的增加,电子商务的蓬勃发展,数字钱包的采用以及移动/ QR码支付创新的推动,其中以中国,印度和其他东南亚市场(增长31.1%)为首。

Before the pandemic started, payment volumes reached new heights, which are predicted to continue but at a pace reflecting both the increased reliance on non-cash transactions and the effect of a dampened global economy. The report predicts that a compound annual growth rate (CAGR) of 12% is expected for global non-cash transactions for 2019-2023. Global non-cash transactions surged nearly 14% from 2018-2019 to reach 708.5 billion transactions, the highest growth rate recorded in the past decade. Asia-Pacific surpassed Europe and North America to become the 2019 non-cash transactions volume leader at 243.6 billion. The increase was driven by increasing smartphone usage, booming e-commerce, digital wallet adoption and mobile/QR-code payments innovations, led by China, India and other SE Asian markets (31.1% growth).

竞争加剧使传统支付服商被迫不断发展

Increased competition forces traditional payments providers to evolve

随着对数字支付的亲和力不断提高,客户正在从现金中迁移。新的参与者迅速变得越来越受欢迎,该报告发现30%的消费者正在使用大型科技公司(BigTech)提供的支付服务,而50%消费者已经在使用挑战者银行(*challenger bank, 指任何企图破坏传统银行目前运作方式的公司)进行某些支付。此外,截至2020年4月,超过38%的消费者表示他们在地区封锁期间发现了新的支付提供商。根据68%的消费者调查受访者的说法,在整个全球卫生危机期间,网上银行和直接账户转账一直是并且仍然是首选的支付方式。非接触式(即付即用)支付卡排在第二位,有64%的人说他们经常使用它们。数字钱包(包括基于QR的支付)是48%的受访者的首选。

Customers are migrating away from cash as affinity for digital payments grows. New players are quickly becoming more popular, with the report finding that 30% of consumers are using a BigTech[1] for payment services, and 50% are already using a challenger bank[2] for some payments. Furthermore, as of April 2020, more than 38% of consumers said they discovered a new payment provider during the lockdown. Internet banking and direct account transfers were, and still are, the preferred payment method throughout the global health crisis, according to 68% of consumer survey respondents. Contactless (tap-to-pay) cards came in second, with 64% of saying they used them often. Digital wallets (including QR based payments) were the preferred choice of 48% of respondents.

随着消费者寻求速度、便利和卓越的客户体验,替代支付可能会继续扩大非现金支付空间。预计数字钱包用户将从2019年的23亿增长到2024年的40亿,占世界人口的50%。2017-2022年之间,隐形支付或自动支付流程(例如在Amazon Go商店和Uber中发现的支付流程)的复合年增长率有望达到51%。

Alternative payments could continue to boost non-cash payments space as consumers seek speed, convenience and a superior customer experience. Digital wallet users are expected to jump from 2.3 billion in 2019 to 4 billion by 2024 – 50% of world’s population. Invisible payments, or automated payment processes such as those found in Amazon Go stores and Uber are on pace to reach a 51% CAGR between 2017-2022.

技术和协作可以帮助支付企业应对日益增多的风险

Technology and collaboration can help payments firms address increased risks

随着市场持续被干扰,更多支付选择涌现,支付企业必须努力应对业务、监管和运营方面的风险增加。支付企业高管表示,企业面临着网络安全(42%)、监管(37%)、运营(35%)和业务(30%)等风险。87% 的高管认为他们面临着网络漏洞的高度可能性,因为犯罪分子正在利用COVID-19封锁带来的风险,这增加了网络攻击、洗钱和恐怖分子融资的风险。支付公司正在积极地转向技术,以帮助减轻新风险。

As the market continues to be disrupted, and more payment options become available, payments firms must grapple with increased risk across business, regulation and operations. Payments executives say businesses are exposed to risks such as cybersecurity (42%), regulatory (37%), operational (35%), and business (30%). 87% of executives feel they face a high likelihood of cyber vulnerabilities, as criminals are exploiting exposures opened by the COVID-19 lockdown, which increase the risk of cyberattacks, money laundering and terrorist financing. Payments firms are actively turning to technology to help alleviate the exposure to new risks.

对于面临B2B挑战和效率低下的企业财务人员来说,流行病要求他们将数字化作为解决交易对手风险、连接解决方案、支付自动化和网络安全的解决方案。企业财务主管现在正在寻找他们的银行和支付公司,以提供更强大的 API 集成、风险管理、实时支付和跟踪。

For corporate treasurers faced with business-to-business challenges and inefficiencies, the pandemic has required them to look to digital as the solution to address counterparty risk, connectivity solutions, payments automation and cybersecurity. Corporate treasurers now are looking for their bank and payments firms to provide enhanced API integration, risk management, and real-time payments and tracking.

尽管银行高管将客户可见的创新(79%)和数字转型(75%)列为其2020年及以后战略计划的主要驱动力,但支付转型似乎是不可避免的。作为监管转型的一部分,由于监管机构将重点放在应对风险上,特别是在非现金支付方面,协作可以帮助解决由疫情引起的不确定性。银行正在积极寻求两种不同的方式来实现更精简,更敏捷的后端,以通过开发内部功能或与数字化敏捷的新参与者合作来与数字化前端保持同步。除了开发内部能力外,60%的银行高管认为,在整个价值链中与第三方合作将有助于他们增强基于生态系统的主张。

While bank executives ranked client-visible innovation (79%) and digital transformation (75%) as the top drivers of their strategic initiatives for 2020 and beyond, payments transformation appears inevitable. Collaboration as part of this transformation can help with pandemic-driven uncertainty as regulators focus on addressing risks, especially with non-cash payments. Banks are actively pursuing two different ways to achieve a leaner and more agile backend that can keep pace with a digital front-end, by either developing in-house capabilities or by working with digitally agile new players. In addition to developing in-house capabilities, 60% of bank executives believe that working with third parties throughout the value chain will help them augment ecosystem-based propositions.

报告方法

今年的《世界支付报告》对不同地域的44个支付市场进行了深入分析。对于世界范围内的宏观描述图,定义了六个区域。欧洲、北美、成熟亚太地区、新兴亚洲、拉美、中东及非洲地区,按地理、经济和非现金支付市场成熟度标准进行分组。

8,600多名消费者参与了报告中的“消费者之声”调查。另一项针对银行、金融科技公司、支付服务提供商和企业的在线调查提供了235名受访者的数据,并对银行、支付公司、支付卡计划公司、技术服务提供商和零售商进行了45次高管访谈。

凯捷集团是咨询、数字化转型、技术和工程服务领域的全球领导者。在不断发展的云计算、数字和平台世界中,集团始终处于创新最前沿,以帮助客户应对所有机遇和挑战。

凯捷凭借其50余年的悠久历史及深厚的行业专业知识,通过从战略到运营的一系列服务,帮助企业实现其业务目标。

凯捷坚信技术的商业价值来自于人,并通过人去实现。如今,它是一家拥有27万名员工的多元文化公司,员工遍布近50个国家。凯捷集团与Altran的2019年合并总收入为170亿欧元。

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[1] The report defines BigTechs as large, multinational technology firms such as Google, Amazon, Facebook, Apple, Alibaba, etc.

[2] Challenger banks are defined as newly created banks that have their own core banking system and compete directly with the longer-established banks, sometimes by specialising in areas underserved by the bigger banks. Examples are NuBank, Chime, and Monzo.

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