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Financial services

World payments report 2022

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Ganar más con las pymes: optimizar la tecnología y los datos para impulsar un compromiso profundo

Los bancos tradicionales y los proveedores de servicios de pago se esfuerzan por ofrecer soluciones innovadoras a las pequeñas y medianas empresas (PYMES), un segmento valorado en casi 850 000 millones de USD en todo el mundo. Como resultado, casi el 90 % de las pymes dicen que están reconsiderando sus relaciones con sus proveedores establecidos, dejando un espacio abierto para que FinTechs y otros obtengan una ventaja competitiva.

  • Los proveedores de servicios bancarios y de pagos deben replantear las prioridades para cumplir con la dinámica del mercado de las PYMES para generar una mayor relevancia y crecimiento.
  • Estas compañias deben construir una plataforma de pagos impulsada por datos armonizados para mejorar su relación con las PYMES e impulsar el compromiso.
  • Las empresas también deben explorar oportunidades para aumentar las capacidades de pago existentes a través de DLT y otras soluciones.
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Conclusiones clave

Highlight 1

An increasingly mature digital payments infrastructure has fueled non-cash transaction growth

COVID-19 encouraged customers and businesses to incorporate digital technology into their everyday lives and increased the adoption of non-cash payment methods. The volume of instant payments and e-money transactions in total non-cash transactions is forecasted to increase from 17% in 2021 to 28% in 2026.

 
 


 

SMBs’ expectations of their banks and other payment service providers are rising

The negative impact of the pandemic on small and medium businesses (SMBs) has been aggravated by global inflationary pressure and ongoing geopolitical tensions. SMBs want payment systems that are convenient, cost-effective, and digital; they are also seeking products and services that can be more highly customized to their specific requirements.

 
 


 

Payments services provider executives admit that SMBs face unresolved process and technology issues

61% of SMBs have a relationship with two to five traditional banks, and nearly a quarter said they worked with six to 10 service providers; unfavorable financial product terms compel SMBs to maintain multiple banking relationships. Despite numerous different affiliations, SMBs face challenges across the payment value chain.

 
 


 

Composable architecture enables payment firms to configure services, capabilities, and features on the go

Composability requires payment firms to select and assemble building blocks in various combinations to satisfy customer requirements. A modern, composable payments hub can be built on top of legacy systems, can leverage existing and/or newly developed in-house features, or use plug-and-play third-party services via composable architecture.

 
 


 

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Executive Steering Committee

BANKS

Bruno Mellado
Head of Payments & Collection
BNP Paribas

Milind Khatavkar
Head of Consumer Finance, Payments & Cards
DBS

Sarthak Pattanaik
CIO – Digital Assets, Treasury Services Clearance & Collateral Management
BNY Mellon

FINTECHS AND TECHNOLOGY PARTNERS

Dorothy Copeland
Global Head of Partner Ecosystem & Alliances
Stripe

Nilesh Dusane
Head of Institutional Payments
AWS

 

INDUSTRY BODY

Nick Kerigan
Managing Director, Head of Innovation
SWIFT

Catherine Gu
Head of CBDC and Protocol
VISA

 

 

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