TrueLayer：电子商务支付的未来研究报告（英文版）（40页）.pdf

1、The future of ecommerce paymentsWhy open banking will challenge card dominanceRESEARCH REPORT2THE FUTURE OF ECOMMERCE PAYMENTS WHY OPEN BANKING WILL CHALLENGE CARD DOMINANCETable of contents3 Foreword from TrueLayer4 Executive summary5 Methodology6 Chapter 1:The rapid growth of open banking payments

2、20 Chapter 2:How merchants and consumers will benefit from open banking payments29 Chapter 3:What we can learn from non-card payment methods in Europe34 Chapter 4:Digital payments for a digital ageTap this logo to return to this page3THE FUTURE OF ECOMMERCE PAYMENTS WHY OPEN BANKING WILL CHALLENGE C

3、ARD DOMINANCEOne of the key motivations behind open banking has been to enable the growth of alternative payment methods to cards.This report demonstrates that the policy drivers,the industry development and the innovation have all worked together to deliver that alternative in the form of open bank

4、ing payments.The simplicity of the open banking payment chain,made possible by API technology,is key to the cost savings,reduced fraud and improved conversion for merchants.It also increases convenience for consumers,who increasingly want to make and receive all payments instantly and seamlessly.The

5、 development of capabilities for instant refunds,such as TrueLayers own PayDirect,will enable open banking to be used successfully in ecommerce.At the same time,the growth of ecommerce is beginning to show merchants reliance on card payments creates problems of its own.Card schemes and the chargebac

6、k approach,which is the target of increasing fraud and which suffers from slow resolution,will only further impact merchants if they are unable to add new payment methods to their checkout as ecommerce payments continue to grow.Strong customer authentication(SCA),while seamlessly integrated into ope