增强跨境支付可扩展性的3个主题

Elevandi is set up by the Monetary Authority of Singapore to foster an open dialogue betweenthe public and private sectors to advance FinTech in the digital economy. Elevandi works closelywith governments, founders, investors and corporate leaders to drive collaboration, education,and new sources of value at industry and national levels. Elevandi’s initiatives have convened over350,000 people to drive the growth of FinTech through events, closed-door roundtables, investorprogrammes, educational initiatives, and research. Elevandi’s flagship product is the SingaporeFinTech Festival alongside fast-rising platforms, including the Point Zero Forum, Inclusive FinTechForum, Elevandi Insights Forum, The Capital Meets Policy Dialogue The Founders Peak andGreen Shoots.Visit www.elevandi.io to learn more about Elevandi.The Bank for International Settlements (BIS) is an international organisation that serves centralbanks and other financial authorities across the globe to support their pursuit of monetary andfinancial stability through international cooperation. It also acts as a bank for central banks. TheBIS is owned by 63 member central banks and monetary authorities from around the world thattogether account for about 95% of world GDP. Its head office is in Basel, Switzerland and it hastwo representative offices in Hong Kong SAR and Mexico City, as well as Innovation Hub Centresaround the world. The BIS Innovation Hub helps central banks work together to respond to thetechnological innovation that is rapidly transforming the financial landscape, to realise its benefitswhile avoiding the associated risks.For more information, please visit www.bis.org. Oliver Wymanis a global leader in management consulting. With offices in more than 70 citiesacross 30 countries, Oliver Wymancombines deep industry knowledge with specialised expertisein strategy, operations, risk management, and organisation transformation. The firm has morethan 6,000 professionals around the world who work with clients to optimise their business,improve their operations, and risk profile, and accelerate their organisational performance to seizethe most attractive opportunities. Oliver Wyman is a business of Marsh McLennan.For more information, please visit www.oliverwyman.com.Complex business challenges require an integrated response across different markets, sectorsand areas of law. Baker McKenzie’s client solutions provide seamless advice, underpinned bydeep practice and sector expertise, as well as first-rate local market knowledge. Across morethan 70 offices globally, Baker McKenzie works alongside our clients to deliver solutions for aconnected world.For more information, please visit www.bakermckenzie.com. ContentsIntroductionExecutive SummaryTheme 1: Establishing optimal governance and interoperabilityframeworksTopic 1A: Principles of good governance include implementing clear, transparentprocesses and open dialog to foster stakeholder alignmentTopic 1B: Approaches to balancing agility and inclusivity in the governanceframework as the platform scalesTopic 1C: Public and private sector partnerships, and the importance of fostering interoperabilityacross platformsTheme 2: Addressing divergent legal, regulatory, and oversightframeworksTopic 2A: Improving sanctions screeningTopic 2B: Balancing the need for freer data flows while still ensuringadherenceto varying data protection and privacy regulationsTopic 2C: Ensuring settlement finality across jurisdictionsTheme 3: Developing a viable commercial modelTopic 3A: Enhancing cross-border payments by targeting costs and revenuemodel designTopic 3B: Balancing the incentives between sending and receiving jurisdictionsTopic 3C: Unlocking trapped liquidity using technologyFinal thoughtsAcknowledgements 14791011121213131415 7889 INTRODUCTIONThe Point Zero Forum 2023 roundtable discussion on opportunities and challenges in cross-border payments brought together key stakeholders and leaders from both the public andprivate sectors, spanning international organizations, central banks, payment system operators,commercial banks, and fintechcompanies.Participants reflected on the progress made to date in enhancing cross-border payments,discussed potential opportunities and challenges, and shared the lessons learned from theirrespectivejourneys.The roundtable discussion centered on the following three majorthemes:Theme 1:Establishing optimal governance and interoperability frameworksTheme 2:Addressing divergent legal, regulatory, and oversight frameworksTheme 3:Developing a viable commercial model MODERATORSKah Kit YipAdviser and Policy & Governance LeadBIS Innovation HubSingapore Ben DysonProduct Owner,NexusBIS Innovation HubSingapore Amitabh KhandelwalGeneral Manager, Department of Payment andSettlement SystemsReserve Bank of India(RBI)Amy BurrSenior Vice President and Head of PaymentOperations StrategyFederal Reserve Bank of New York(FRBNY)Breno Santana LoboSenior AdvisorCentral Bank of Brazil (BCB)Car