凯捷金融服务2025年趋势-支付（英）

Payments January 2025 The Capgemini FS Top Trends 2025 span three broad themes The Capgemini FS Top Trends in the Banking sector by sub-domain (1/2) The Capgemini FS Top Trends in the Banking sector by sub-domain (2/2) Payments Top Trends 2025 – Priority Matrix Capgemini’sPriority Matrixoutlines our assessment of the impact of 2025 trends on operating environments facing: Adoption priority: The criticality of adopting a 2025 trend to maximize value creation because of its sector importance.Business impact: Each trend’s effect on 2025 sector business as it relates to customer experience (CX), operationalexcellence, regulatory compliance, or profitability. Circumstances will vary for each firm depending on businesspriorities, geographic location, and other factors. For more information, contact us atpayments@capgemini.com. Softening inflation and high interest rates,coupled with stagflation trendsGeopolitical instabilityDynamic regulatory activity Intense competition and increased focus on customercentricity due to the impact of new-age playersOperational cost overruns and high capital lock-in Trend 1Open finance Customer FirstOpen-finance-based use cases will grow as regulators improve financial data access Background Open banking data includes information aboutaccountsandpayment transactions.Open finance expandsthe scopeto include a360-degree financial footprint(insurance, investments, retirement, etc.) enablingseamless exchange of data across financial institutions and third-party providers, supported bysecure APIs.Executives interviewed for theWorld Payments Report 2025listednon-standardized APIsand theinability tocontrol data use and sharingamong their top open banking challenges. Open finance addresses open bankinglimitations and creates monetization opportunities.1Regulators worldwide are imposing new standards:•In the United States, Section 1033 of theDodd-Frank Actwill require banks toshare customer data in astandardized format with authorized third parties.2•TheEuropean Commissionwill address open banking limitations within the upcomingPayment ServiceDirective3(PSD3) and promotes open finance through theFinancial Data Access (FiDA)framework.3 Impact Open finance encouragesmarket competition through innovation in the products and services that banksoffer to customers.Maturity varies across markets: open finance may beregulated(Brazil) ormarket-driven(United States). TheWorld Payments Report 2025 found62% of banks unprepared for the transformation required to adoptopen finance.1Open finance fosters aninclusive and connected financial ecosystem, allowing banks to drive greaterpersonalization across banking products and services. Trend 1Open finance Customer FirstOpen-finance-based use cases will grow as regulators improve financial data access Nubank Brazilian neobank Nubank had over45million consents for financial datasharingas of Q3 2024 and says ithelped users save +USD 1.16 millionin interest with an overdraft-alerttool to avoid fees.1, 2Nubankleverages open finance to enhancecredit assessments for personal loans.3 Klarna Global payments network Klarnapartnered with Worldpay to offerflexible payment options to a widerrange of merchants. This move aims tosimplify the integration process formerchants andoffer consumersgreater payment flexibility, includingbuy now/pay later options. Bypartnering with major players likeZoom and Worldpay, Klarna is growingand positioning itself within the openfinance ecosystem.4, 5` Trend 2Instant payment adoption Fast global adoption of instant payments is cannibalizing cards while BigTech wallets consolidate their dominance, significantly impacting payment profitabilityCustomer First Background Research from Capgemini's World Payments Report 2025 indicatesinstant payments are set to grow from16%of global payment transaction volume in 2023to 22% in 2028.1A survey of payment executives as part of Capgemini’s World Payments Report 2025 suggests thatinstantA2A payments could offset 15-25% of future card transaction volume growth. Also, 77% of executives saiddebit cards and pre-paid cards would be most impacted by instant A2A payments.1Research by payment service provider Worldpay projects that by 2027, digital wallets will account for 49% ofglobal transaction valuefor both online and POS sales.2 Impact With instant payments favored over checks and debit cards,banks stand to benefit from lower transactioncosts.Shifting small purchases toinstant, low-costaccount-to-account (A2A) payments, achieved throughbypassing intermediaries(like card networks), may stimulatemicropaymentadoption among consumers.Traceability offered by instant paymentshelpssmall businesses shorten cash conversion cycles,leadingmerchants expect benefits from quick, affordable transactions.Banks can secure strategic relationships with corporations by offeringinstantcapabilities(e.g., just-in-time payments, instant cash sweeping, and instant supplier payments)