2024十大金融科技和支付趋势

Contents Introduction 1. A2A Payments to Challenge Cards in eCommerce and for Funding Wallets2. CBDC Use Cases to Emerge in Practice...3. Generative Al in Banking to Transform Spending Insights4. Digital ldentity Adoption to Be Catalysed by Digital Wallet Integration5. AML Tools to Better Leverage Al as Alternative Payments Complicate Compliance..6. Sustainable Fintech Solutions to Emerge, as ESG Compliance Tops Agenda...ELZ. FeclNow to Fail to Match Instant Pavments Success, but VAS to Flourish.8, Mobile Financial Services to Accelerate Transition to Banking Tech Services,159. Biometric In-store Payments to Surge, as Checkout Innovation Rises1610. B2B BNPL to Provide Critical Financing for SMEs17 About Juniper Research20 market, with the status quo.no longer being an acceptable strategy. Introduction As we look at the top fintech and payment trends for 2024, it is important toexamine the wider context before we get into the specifics. It is clear thattechnologies are changing quickly in different markets, all across the world. ImplicationsforStakeholders The changes and trends we foresee in 2024 will lead to a number of changesfor stakeholders: KeyDrivers , Work on Best Market Fit, Not Innovation Above All: The fintech markets ismoving into a phase where innovation for innovatiori's sake is no longer aviable strategy. Given the economic pressures, and the intensecompetition in almost all markets, fintech vendors must ensure that theirsolutions offer genuine progress on key pain points, rather than offeringspeculative gains. As funding from venture capital continues to berestricted, fintechs must prioritise practical solutions that address specificneeds. These changes have a number of key drivers behind them: • Economic Pressures: while some markets are seeing stronger growthto a rapidly rising cost of living. This means that offering solutions to endusers with the lowest costs is important. It also means that businesses areheavily rationalising their spending, meaning that merchants need tomove to payment systerms that reduce their fees while maintainingconversion rates. , Costs Must Be Prioritised: In the tricky economic climate, a focus on costs,and reducing costs for businesses must be a key priority for:success. Assuch, we expect cost saving 5olutions to be a major theme across ourtrends, and an ongoing priority for key stakeholders. • Accelerating Shift from Cards: There is increasing pressure to consciouslywithin Europe, where regulators see reliance on international cardnetworks as a structural weakness. There is also pressure to reduce costsfor merchants, with card payments often proving costly in comparison tonewer methods, such as instant payments. As such, many developmentsare related to alternative payment methods, and how to scale them. About the Trends The following trends are presented in the order of number 1 being mostimpactful, to number 10 being the least impactful. Fundamentally, weconsider the top 5 trends to be the most significant over the next year, butall 10 will have major repercussions across the ecosystem. • Need for Differentiation: One difficulty within payments is standing outfrom the crowd, Payments services have largely been commoditised,making it difficult for vendors to stand out and offer truly distinctiveservices that offer businesses an edge. As such, different trends areemerging that seek to create the ability to differentiate user experiences,and this will lead to more creative and innovative solutions being offeredto market. If you want more information. about the markets being discussed, you canfind links to appropriate resources, including complimentary whitepapers, atthe end of this document. You can also contact us via email atinfo@juniperresearch.com, where we can answer any questions you mayhave. 1.A2APaymentstoChallengeCardsineCommerceandforFundingWallets Thailand are three examples where real-time payments have scaled at arapid pace. The growth of these systems, and some of their advantagesversus existing payment schemes are important. Instant payments arefast, low cost and easy to reconcile; making them a strong choice. Also, inmarkets where instant payment schemes can be used for merchanttransactions, we are witnessing a shift towards merchant payments as themore dominant payment type. The below figure clemonstrates that UPltransaction volumes in India are shifting towards P2B (Person-to-Business)or merchant payments, showing the possibilities across different markets. In developed markets, card-linked wallets are the norm, with services likeever, However, while these services have enabled strong changes in userbehaviour, such as greater use of NFC (Near -field Communication)payments and use of wallets in eCommerce transactions, they are merelyacting as a proxy to the card. However, this is not necessarily the dlominant model of digital wallet usage.In other markets, such as India, Brazil and China, the card plays a much lessdominant