World Payments Report 2018

The World Payments Report 2018 from Capgemini and BNP Paribas is the leading source for data, trends and insights on global and regional non-cash payments, the key regulatory and industry initiatives (KRIIs), and today’s dynamic payments environment. It explores how emerging technologies can help banks become anchors of a new payments ecosystem and offer new value-added services to customers, including corporate treasurers.

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Non-Cash Payments Volume

Global non-cash transactions grew at 10.1% to reach 482.6 billion during 2015-2016. In the WPR 2018, we estimate that global non-cash transaction volumes will record a CAGR of 12.7% during 2016–2021E. Developing markets are expected to boost the global growth rate of non-cash transaction volumes with a sustained CAGR of 21.6% during this period, while mature markets are expected to grow by a modest 6.7%. Europe, including the Eurozone, is expected to witness a stable growth of 6.5% over the next five years. 

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E-Wallet and Economic Analysis

Non-cash transactions conducted via e-wallets were estimated to total 41.8 billion globally during 2016. Of the estimated total, about 71.0%, or 29.7 billion, were conducted via the payment apps and e-wallets offered by BigTechs to their customers. We explore how high non-cash transactions can provide benefits to the society, addressing even challenging issues such as corruption as Non-cash transactions share a positive linear correlation with corruption perception index.

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Key Regulatory and Industry Initiatives (KRIIs)

The Payments industry is witnessing a cyclical path in the KRII journey—with KRIIs traversing from standardization to innovation and back again to standardization. Further, Conflicting KRIIs pose implementation and operational challenges that hinder the transition to the new payments ecosystem.

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New Horizons in Payments and Transaction Banking

The World Payments Report 2018 explores how the banking industry is adopting new payments models to offer new value-added services to customers, including corporate treasurers. It also analyzes the ways in which banks can come closer to their customers by orchestrating various services, leveraging emerging technologies, and suggests a roadmap for the future. The report also introduces a Payments Open Banking Assessment which highlights the state of open banking from a payments perspective across 16 selected countries. 

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“Payments will continue moving towards the ideal state of being fully instant, automated, efficient and thus become more than ever, a game of scale. Differentiate will come from new value creation in the greater process of companies that ultimately lead to payments and receivables.”
Wim Grosemans
Global Head of Product Management, Payments & Receivables,
BNP Paribas
“Payments has become a commodity today. We are working with partners and merchants to provide differentiated mobile payment solutions that bring value to all parties. For example, merchants can provide accelerated check out and offer personalized digital services by leveraging data management techniques in a responsible way. At the same time, users can benefit from integrated payment methods, extended P2P payments, and loyalty programs.”
Carlo Bovero
Global Head of Cards and Retail Payments
BNP Paribas
“For corporate treasurers, two models of engagement with FinTechs are emerging: one where banks become the center of ecosystem collaboration with FinTechs and reach out to customers and the other where banks refer FinTechs to corporates, who deal directly with them. For robust ecosystems, corporates must weigh the pros and cons of the collaboration models and choose that which not only adds value, but is also sustainable over the long term.”
Bruno Mellado
Head of International Payments and Receivables
BNP Paribas
“The development of the new payments landscape will not depend solely on bank-led initiatives; the financial services community, including public sector organizations, regulators, and third parties must also work with their corporate clients. The involvement of corporate treasurers will help banks to understand their requirements from a corporate perspective.”
Marc Espagnon
Head of Payment & Cash Management Division
BNP Paribas
“APIs, artificial intelligence and real-time payments can play a pivotal role for banks to achieve operational efficiency, customer centricity, and enable new business propositions.”
Christophe Vergne
Head Payments Solutions, France
Capgemini │Financial Services Strategic Business Unit
“Real-time Payments and APIs in combination with mobile technologies could also provide an alternative to card payments, particularly in the C2B e-commerce area, with corporates gaining immediate availability of funds at lower cost.”
Ame Stuart
Vice President Digital Markets,
Capgemini │Financial Services Strategic Business Unit
“The banks that are fast to orchestrate an ecosystem are expected to gain immensely from the first mover advantage and it is probable that those that are not fast enough may lose market share in a short period.”
Jeroen Holscher
Vice President Global Payments and Cards Practice
Capgemini │Financial Services Strategic Business Unit
“As banks seek an anchor role in the new payments ecosystem, they need to identify the most qualified FinTech partners on complementary service and value to maximize effective collaboration.”
Elias Ghanem
Chief New Technologies Officer and VP FinTech
Capgemini | Financial Services Strategic Business Unit, Europe

Blogs

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Christophe Vergne

Cards and Payment Practice Leader at Capgemini
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Jan Dirk van Beusekom

Executive Director of Cash Management at BNP Paribas

New payments ecosystem key enablers

The Payment Services Directive 2 or PSD2 has been in full force for more than six months, and its impact is being felt not just in the European Union, but across the globe – with several markets, such as Singapore, Australia, and Nigeria, as well as Hong Kong announcing open banking initiatives inspired by the PSD2

Collaborative Payments Ecosystem Boosts Customer Centricity

Structural changes are spurring payments industry participants to evaluate the future of the business as well as their role in the months and years ahead.

Digital-world consumers expect banks to securely step up their technology game

Traditional banks must evaluate their place within the payments ecosystem and be open to partnering with FinTechs and third-party developers to drive value collaboratively.

Points of View & Archive

World Payments Report 2017

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World Payments Report 2016

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Leading Banks Eye APIs to Leapfrog the Competition

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World Payments Report 2018

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World Payments Report 2018

The World Payments Report 2018 from Capgemini and BNP Paribas is the leading source for data, trends and insights on global and regional non-cash payments, the key regulatory and industry initiatives (KRIIs), and today’s dynamic payments environment. It explores how emerging technologies can help banks become anchors of a new payments ecosystem and offer new value-added services to customers, including corporate treasurers.

Download now
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