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凯捷(Capgemini):2026年全球支付报告(中译版)(68页).pdf

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1、World Report Series 2026World Payments ReportWinning back merchants means playing differentlyThe(not-so)silent takeover:World Payments Report 2026Copyright 2025 Capgemini.All rights reservedCapgemini Research Institute 2025Table of contents03Foreword04Executive Steering Committee20Close the gap and

2、rejoin the merchant servicing game06Executive summary40Banks have the right to win61Partner with Capgemini60Methodology59Conclusion08As customers and merchants surge forward,can banks catch up?2World Payments Report 2026Copyright 2025 Capgemini.All rights reservedCapgemini Research Institute 2025We

3、are witnessing a profound transformation within the global payments landscape.As more customers and merchants shift to digital-first experiences,including digital wallets,account-to-account transfers,and agentic commerce(where autonomous AI agents shop on behalf of consumers),banks are losing ground

4、 in the merchant servicing business.Theyre now at a crossroads:either adapt quickly to stay relevant,or risk falling behind.From 2014 to 2024,global non-cash transaction volumes grew fourfold,compared with 1.5x growth in global Gross Domestic Product.Digital payments dominance is no longer a trend-i

5、ts the new global reality with Asia-Pacific in pole position.Capgeminis World Payments Report 2026 draws on a global survey of merchants and payment executives,to reveal a widening gap between what merchants expect and what banks can deliver.Merchants today want payment solutions that work across al

6、l channels,are secure,and can scale with their business.For small and mid-sized businesses,its all about speed and reliability.Larger merchants,on the other hand,are looking for smarter,AI-powered personalization and seamless integration into their existing systems.As expectations accelerate,banks a

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根据报告的内容,本文主要讨论了全球支付行业的发展趋势以及银行在商户服务领域的挑战和机遇。关键点如下: 1. **非现金交易增长**:全球非现金交易量在过去17年增长了10倍,预计到2029年将达到3540亿次,年复合增长率达16%。亚太地区增长最快,预计2024-2029年复合增长率达20.2%。 2. **支付方式变化**:数字钱包和即时支付正在取代传统卡支付,预计到2030年,数字钱包在电子商务交易中的占比将达到65%。 3. **商户需求变化**:商户需要跨渠道、安全、可扩展的支付解决方案。小型商户关注操作可靠性,大型商户关注AI驱动的个性化服务。 4. **银行挑战**:银行在商户服务方面面临利润压缩、技术更新、监管合规等挑战,许多银行已转向发卡业务。 5. **PayTech公司机遇**:PayTech公司通过全栈解决方案填补了银行在商户服务方面的空白,获得了商户青睐。 6. **银行应对策略**:银行需要通过创新、建立商户关系、利用信任、数据和流动性优势,提供增值服务,以重新获得商户服务领域的领导地位。
银行如何应对支付技术公司的竞争? 银行如何改进商户服务? 银行如何利用创新技术提升商户服务?
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