2024解锁账户对账户（A2A）支付的潜力报告
AI智能总结"Unlocking the Potential of A2A Payments Report 2024" Summary
Introduction
The "Unlocking the Potential of A2A Payments Report 2024" explores the advancements and implications of account-to-account (A2A) payments, detailing their growth, benefits, and challenges. This report serves as a comprehensive guide for navigating the complexities of global financial sectors, offering insights into partnership opportunities, market dynamics, and the evolving landscape of A2A payments.
Key Findings
1. Global Growth and Market Dynamics
- International Trend: A2A payments represented 8% of e-commerce transactions in 2023 and are forecasted to reach 17% by 2028.
- Drivers: Increased adoption of real-time payment (RtP) schemes and innovations leveraging open banking infrastructure contribute significantly to the growth of A2A payments.
2. A2A Payment Methods
- Traditional vs. Open Banking: The report distinguishes between traditional A2A payment methods (cheques, direct debits, bank transfers) and those enabled by open banking, highlighting the latter's role in enhancing digital payments beyond fintech and traditional cards.
3. A2A Payments in Specific Markets
- Latin America: Leads in app-enabled A2A payments.
- Europe and Asia-Pacific: Focuses on bank transfers and direct debit solutions.
- Mature Markets: Less impact due to established payment systems driven by successful card reward programs, where A2A providers may need to offer incentives to attract consumers.
4. Challenges and Opportunities
- Interoperability: A key challenge faced by A2A payments, requiring innovative solutions to facilitate seamless transactions across different banking systems.
- Incentives: To draw consumers from established payment systems, A2A providers must offer compelling incentives or unique value propositions.
5. A2A Payments in Practice
- Use Cases: The report examines prominent use cases, emphasizing the role of digitalisation in the development and spread of A2A payments, particularly through examples like UPI in India and the European Payments Initiative (ePi).
- Future Impact: A2A payments are poised to reshape the future of digital payments, offering enhanced efficiency, security, and convenience.
6. Fraud Protection and Value Addition
- Fraud Mitigation: Data-enriched A2A payments are highlighted as a means to protect against fraud, offering added value to both consumers and merchants.
- APP Fraud: The report addresses the issue of authorized push payment (APP) fraud, discussing its impact on the industry and strategies to combat it.
7. Global Overview of A2A Payments
- Players and Schemes: An extensive list of A2A payment methods, categorized into local and regional schemes, open banking-based payments, and technology providers, is provided.
Conclusion
The "Unlocking the Potential of A2A Payments Report 2024" provides a comprehensive analysis of the current state, trends, and future directions of A2A payments, emphasizing their transformative impact on the global financial landscape. It serves as a valuable resource for stakeholders seeking to navigate the complexities of A2A payments, understand market dynamics, and capitalize on emerging opportunities.
