案例研究代写:支付的挑战

案例研究代写:支付的挑战

银行面临的关键挑战之一,是颠覆性新技术对其零售支付业务的影响——即所谓的“金融科技的崛起”。当然,非银行机构在零售支付服务领域的这种竞争并不新鲜。例如,西联汇款(Western Union)和速汇金(Moneygram)是老牌的非银行金融机构。但现在不同的是,各种因素的同时出现,似乎将从根本上改变零售支付市场的格局,并威胁到银行的主导市场地位。首先,监管是开放市场准入。随着修订后的《支付服务指令》(PSD2)的实施,支付机构可以开展的活动清单正在扩大,包括开始支付。他们还可以为其他支付服务提供商提供账户信息。这将不可避免地——而且是有意地——削弱银行的市场力量。

案例研究代写:支付的挑战
其次,消费者的偏好正在迅速改变。零售客户现在希望能够整合电子商务、社交媒体和零售支付。他们还希望能够在数字平台之间无缝切换。对于许多银行来说,这些领域并不是它们的强项:考虑到它们较重的合规义务,银行传统上在系统的安全性和弹性方面投入更多,而不是优化用户体验。第三,支付技术正以前所未有的速度发展。非接触式卡、在线支付、移动支付都变得越来越普遍。要跟上这些技术的步伐,银行将需要大量投资,而它们必须面对这样一个事实:它们的新竞争对手——例如贝宝(PayPal)和苹果(Apple)——已经在数字技术方面占据了优势。

案例研究代写:支付的挑战

One of the key challenges facing banks is the impact of disruptive new technologies on their retail payments business – the so-called “rise of the FinTech”.Such competition from non-banks in retail payments services is of course not new. Western Union and Moneygram, for example, are well-established non-bank providers. But what is different now is that various factors are coinciding which look set to fundamentally change the landscape of the retail payments market, and in ways that threaten banks’ dominant market position.First, regulation is opening up market access. With the revised Payment Services Directive (PSD2), the list of activities that payment institutions can carry out is being expanded to include the initiation of payments. They can also provide account information for accounts held at other payment service providers. This will inevitably – and deliberately – weaken banks’ market power.

案例研究代写:支付的挑战
Second, consumer preferences are changing rapidly. Retail customers now expect to be able to integrate e-commerce, social media and retail payments. They also expect to be able to switch seamlessly across digital platforms. These are not areas of strength for many banks: given their heavier compliance obligations, banks have traditionally invested more in the security and resilience of their systems rather than optimising the user experience.Third, payments technology is evolving at an unprecedented speed. Contactless cards, online payments, mobile payments, are all becoming more prevalent. Keeping pace with those technologies will require major investment from banks, and they have to contend with the fact that their new competitors – for example PayPal and Apple – already have an edge in digital technology.

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