2024年金融科技支付状况报告

Table of Contents 0103 0204 2ConclusionPage 39Part 1Page 6Consumer preferences forfrictionless integration IntroductionPage 3Part 2Page 31The great digital paymentsconvergence is happening Keeping pace with today’s consumer demands requirescontinuous innovation, adaptability, and a keen focus ondisrupting traditional models. As consumer preferencesevolve at breakneck speed, fintechs are uniquelypositioned to differentiate themselves by offering agilesolutions that cater to a more digital, on-demand world.At Marqeta, we are committed to helping fintechs unlocknew opportunities by providing cutting-edge financialsolutions designed to power the future of payments.We envision a future where fintechs lead the chargein reimagining how people get paid, access financialservices, and experience digital transactions—therebyshaping the next generation of consumer expectations.In our 2024 Fintech State of Payments Report, wepartnered with a third-party research firm to dive deepinto consumer payment behaviors and preferences. Thefindings show that financial technology that provides aseamless, secure, convenient consumer experiencecan give fintechs the edge they need to build strongercustomer loyalty and set themselves apart in acrowded marketplace.The rise of contactless payments, digital-first banking,and non-traditional financial services are reshapingthe competitive landscape. Fintechs that innovateand adapt to these trends will not only meet risingconsumer expectations but may also create newrevenue streams and drive profitability in waystraditional financial players can’t match.With the fintech landscape evolving rapidly, thisreport highlights the critical trends shaping the futureof payments—and offers actionable insights on howyour business can leverage them to stay ahead. In anindustry driven by disruption, those who move swiftlywill define the future of financial services.Introduction The financial services world is dynamic, driven byglobal disruption on a near-constant basis. Thecause: a strong desire and rising demand fromconsumers for modern payment solutions, cutting-edge banking services, and innovative financeofferings—particularly among Gen Z and Millennials.Currently, modern payment tools that include contactlesspayments and mobile banking are experiencing thehighest adoption rates in the U.K. and Australia. Forthose operating in the U.S., this presents a massiveopportunity to become and remain innovative withyour payment offerings. It’ll be a crucial move tomake as this new future starts to take shape—andthe time to take data-backed action is right now.Key takeaway Delivering the data behindconsumer decisionsAs part of Marqeta’s fifth annual Fintech State ofPayments Report, we partnered with a third-partyresearch partner to survey 4,000 consumers ages18 and above, across three countries—2,000 in theUnited States, 1,000 in Australia, and 1,000 in theUnited Kingdom—in June 2024 as part of Marqeta’scommitment to modern card issuing solutions. Weconducted this research to explore these consumerpurchase preferences and the patterns in their shiftingbehavior because we know that meeting your customers’needs starts with knowing exactly what they are today—and what they’re shaping up to look like tomorrow.Why Marqeta?Because we power the world’s innovators.The Marqeta platform has supported the exponentialgrowth of both category-defining startups and globalenterprises. We have the scale, stability, and experienceto support your success.Learn how Marqeta can deliverthe immense benefits of modern card issuing for yourbusinesswith customized, innovative payment cardsand solutions to help you shape the future of fintech. Consumer openness to adopt new digital paymentsolutions presents fintechs with the opportunity tolead the charge in transforming how people transact.As a fintech, adapting to these dynamic, ever-changingconsumer demands is crucial for staying competitive.From leveraging the capabilities of modern cardissuing to innovating new financial products, fintechshave the agility to meet evolving expectations head-on. The key to success? Knowing what your customerswant and anticipating how their preferences will shift.A significant portion of consumers—especiallyGen Z and Millennials—are looking for modernConsumers today are drawn to fast, seamless,and frictionless payment experiences—whether they’re the payer or payee—and theyare expressing an openness to try new things.Consumer preferences for the frictionless integration of their personal andfinancial lives are shaping the future of paymentsPart 1 payment solutions that offer convenience, immediacy,and a seamless user experience. Whether it’s throughcontactless payments, mobile wallets, or Buy Now PayLater (BNPL) options, fintechs that can deliver quick andeasy digital transactions will continue to win market shareand strengthen customer loyalty.Although global trends point to a growing cashlesssociety, the U.S. has lagged slightly behind in ce