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PYMNTS Intelligence:2025全球资金流动:数字钱包如何重塑跨境支付格局研究报告(英文版)(40页).pdf

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1、January 2025 ReportGlobal Money Movement:How Digital Wallets Are Transforming Cross-Border PaymentsGlobal Money Movement:How Digital Wallets Are Transforming Cross-Border Payments was produced in collaboration with TerraPay,and PYMNTS Intelligence is grateful for the companys support and insight.PYM

2、NTS Intelligence retains full editorial control over the following findings,methodology and data analysis.Global Money Movement:How Digital Wallets Are Transforming Cross-Border PaymentsTABLE OF CONTENTSExecutive Summary .4The Full Story.10Actionable Insights.48Methodology.52Appendix.54About .784|Gl

3、obal Money Movement:How Digital Wallets Are Transforming Cross-Border PaymentsExecutive Summary|5 2025 PYMNTS All Rights ReservedGlobal remittances accounted for$794 billion in cross-border flows in 2023.Among both consumers and businesses,the value of cross-border payments grows by billions of doll

4、ars each year for a funda-mental reason:Money travels to where people and businesses are,including when critical business partners or family members reside in other nations.1,2Over the last several decades,cross-border money movement innovators have prioritized making cash payments digital and cre-a

5、ting domestic digital wallets that serve as banking alternatives for the hundreds of millions of consumers who lack a traditional bank account.As important as those innovations are for bringing consumers into the digital economy in their domestic markets,it has resulted in a fragmented network of wa

6、llets and accounts 1 Animated chart:Remittance flows and GDP impact by country.World Economic Forum.2023.https:/www.weforum.org/stories/2023/01/chart-remittance-flows-impact-gdp-country/.Accessed January 2025.2 Value of total cross-border payments market worldwide in 2023,with a forecast for 2030.St

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1. **数字钱包成跨境支付首选**:42%消费者首选数字钱包进行跨境支付,远超其他方式;55%美国消费者计划未来一年使用数字钱包汇款。 2. **核心场景与增长**:70%消费者跨境支付用于汇款(家庭/朋友),77%企业用于供应商付款;近半数消费者和企业预期跨境支付金额和频率将增加。 3. **银行合作与创新**:62%银行计划通过合作FinTech优化跨境支付,但仅49%-58%的银行已支持数字钱包,主要顾虑为复杂性(51%)和成本(37%)。 4. **互操作性挑战**:64%消费者与接收方使用同一数字钱包,但26%多国汇款用户受限于法规和可用性,需全球标准或区块链解决方案。 5. **价值与趋势**:数字钱包因速度(美国消费者92%更看重)和信任(21%用户首选原因)受青睐;中小企业年收低于1000万美元者,数字钱包使用率将提升。
钱包如何改变跨境支付? 跨境支付为何选钱包? 钱包如何提升支付速度?
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