国际清算银行-更快的数字支付：全球和区域视角（英）

Faster digital payments: global and regional perspectivesBIS Papers No 152December 2024© Bank for International Settlements 2024. All rights reserved. Limited extracts may be reproduced or translated provided the source is stated. www.bis.orgemail@bis.orgFollow us BIS Papers No 152 Faster digital payments: global and regional perspectives Edited by José Aurazo, Jon Frost and Anneke Kosse BIS Representative Office for the Americas BIS Monetary and Economic Department December 2024 JEL classification: H41, L10. Keywords: Fast payments, digital payments, fast payment systems, financial inclusion, interoperability, digital innovation. The views expressed are those of the authors and not necessarily the views of the BIS. This publication is available on the BIS website (www.bis.org). © Bank for International Settlements 2024. All rights reserved. Brief excerpts may be reproduced or translated provided the source is stated. ISSN 1682-7651 (online) ISBN 978-92-9259-818-1 (online) BIS Papers No 152: Faster digital payments: global and regional perspectives i Contents Foreword ..................................................................................................................................................... 1 A revolution in digital payments: faster, user-friendlier and cheaper ................................ 3 Payment technology complementarities and their consequences on the banking sector: evidence from Brazil’s Pix ............................................................................................ 17 Fast payments and banking: Costa Rica’s SINPE Móvil .......................................................... 45 The organisation of digital payments in India ........................................................................... 61 BIS Papers No 152: Faster digital payments: global and regional perspectives 1 Foreword Innovation in payments is proceeding rapidly, with particularly notable progress in Latin America and the Caribbean. Indeed, in just a few short years the use of fast payments has grown exponentially in several countries in the region, and central bank initiatives are driving further innovation. The launch of fast payment systems, the use of aliases such as quick response (QR) codes and mobile phone numbers, and the integration and interoperability of private systems have all proven effective in increasing adoption of digital payments. End users are looking for faster, interoperable, costless and user-friendly payment instruments. Going forward, there is significant promise in regional payment networks, and new initiatives around open banking and central bank digital currencies. The BIS, as the bank for central banks, convenes dialogue among central banks, conducts cutting-edge research and, most recently, carries out projects to put new technologies into practice through the BIS Innovation Hub. Through its regional bodies, such as the Consultative Cou