2020年移动数字支付行业的趋势：分布式账本技术加密货币移动P2P付款欺诈和身份验证 - 美联储&波士顿银行（英文版）（16页）.pdf

1、1 Mobile Payments Industry Workgroup | May 1, 2020 Mobile / Digital Payment Industry Trends in Distributed Ledger Technology, Cryptocurrency, Mobile P2P Payments, Fraud, and Authentication MPIW January 2020 Meeting Summary of Key Findings Susan Pandy, Ph.D. and Marianne Crowe The Mobile Payments Ind

2、ustry Workgroup (MPIW)1 is composed of stakeholders focused on eliminating barriers to the successful adoption of mobile and digital retail payments in the U.S. The purpose of the January 2020 meeting was to discuss payment developments related to: 1) U.S. federal and state government initiatives th

3、at support distributed ledger technology (DLT) and digital assets; 2) developments in cryptocurrency and stablecoins; 3) the role of mobile person-to-person (P2P) payments2 in driving faster payment adoption; 4) mobile payment fraud solutions; 5) authentication protocol implementations; and 6) curre

4、nt mobile/digital payment adoption trends. 1 The Federal Reserve Banks of Boston and Atlanta convene the MPIW. See https:/www.bostonfed.org/about-the-boston- fed/business-areas/payment-strategies.aspx. 2 Mobile P2P payments allow consumers to transfer funds from their account to another individuals

5、account via a mobile phone. . Payment Strategies The views expressed in this paper are those of the authors and do not necessarily represent those of the Federal Reserve Bank of Boston or the Federal Reserve System. Mention or display of a trademark, proprietary product, or firm in this report does

6、not constitute an endorsement or criticism by the FRBB or the FRS and does not imply approval to the exclusion of other suitable products or firms. Thank you to the MPIW meeting speakers that provided comments and clarification to the content in this report. 2 I. U.S. Distributed Ledger Technology,