麦肯锡（McKinsey）：2020全球支付报告（英文版）（38页）.pdf

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1、October 2020 Global Banking Practice The 2020 McKinsey Global Payments Report 2The 2020 McKinsey Global Payments Report The public health crisis triggered by COVID-19 has had an impact on nearly all aspects of daily life for people across the globe, and has put the world economy on an uncertain foot

2、ing. For the payments industry, the pandemic and its consequences have accelerated a series of existing trends in both consumer and business behaviors, and introduced new developments, such as a restructuring of both supply chains and cross-border trade. Ongoing shifts toward e-commerce, digital pay

3、ments (including contactless), instant payments, and cash displacement have all been significantly boosted in the past six months. And while a degree of reversion to past behavior is likely for some of these shifts, the overall trajectory for these trends has received a strong push forward. Overall,

4、 the crisis is compressing a half-decades worth of change into less than one yearand in areas that are typically slow to evolve: customer behavior, economic models, and payments operating models. As with most structural shifts, challenges will inevitably arise. The impact of the crisis has not been

5、consistent across sectors or geographies, of course. Travel and entertainment, which had been among the most advanced e-commerce sectors, was hit particularly hard and faces an uncertain path to recovery. Payments providers in regions that have lagged in digitization, meanwhile, in many cases posses

6、s greater potential for revenue increases in the new environment. On the other hand, a protracted period of low interest rates, which began before the current crisis, will pressure payments revenues, as will a persistent slowdown in economic activity. This is the context in which we release our annu