区域支付趋势报告：全球支付创新与采用的地区性动态分析（英）

2024Trends in Regional Payments Inside the Evolving Global Payments LandscapeEBOOKTrends in Regional Payments: Inside the Evolving Global Payments LandscapeAbout RippleRipple is the leader in enterprise blockchain and crypto solutions, transforming how the world moves, manages, tokenizes and stores value. Ripple’s business solutions are faster, more transparent, and more cost effective—solving inefficiencies that have long defined the status quo. And together with partners and the larger developer community, we identify use cases where crypto technology will inspire new business models and create opportu-nity for more people. With every solution, we’re realizing a more sustainable global economy and planet - increasing access to inclusive and scalable financial systems while leveraging carbon neutral blockchain technology and a green digital asset, XRP. This is how we deliver on our mission to build crypto solutions for a world without economic borders.Learn more about Ripple at ripple.com.ContentsIntroduction 3Open Banking on the Rise in North America 4Going Cashless: Spotlight on Stablecoins for Payments 10Asia Pacific: Leading the Way in Instant Payments 12Africa: Crypto and Mobile Payments Fuel Financial Inclusion 17Latin America: Ditching Cash and Finding Crypto 21Europe: No Time Like the Present for Instant Payments 26Conclusion 30Across the modern arc of payments, McKinsey describes distinct eras marked by paper, plastic, and accounts. Now, a new era is emerging marked by a decoupling where a mix of banks, payment service providers, and fintechs institute new products and technologies to try and keep up with the ever-growing demand for cross-border payments. While payments trends vary by region, some themes are more pronounced globally. Within each region, modernized payments solutions, including blockchain-enabled pay-ments, are bringing faster, more inclusive, and transparent experiences. The acceleration of instant payments is paving the way for faster, more efficient payment rails. And the adoption of open banking is paving the way for greater transparency. Stakeholders from central banks and super app providers to rural consumers stand to gain.This report explores principal payment trends throughout North America, Latin America, Europe, Asia, and Africa. We examine the genesis of these, and spotlight success barriers, opportunities, and potential impacts.Major shifts driven by consumer preferences, regulatory movements, and new technologies have upended payments experiences.Introduction3Trends in Regional Payments: Inside the Evolving Global Payments LandscapeIntroductionOpen Banking on the Rise in North America01Modernized payment systems and financial services are gaining traction across North America as standardized messaging, secure data exchange, and interoperability take shape. Here, we examine how open banking, FedNow, and ISO 20022 have contributed to streamlining the financial landscape in this region.Tr