決済産業・技術の主な傾向 - より協力的なエコシステム
Payments: Key Payment Trends in 2018 - a more collaborative ecosystem
|決済産業・技術の主な傾向 - より協力的なエコシステム|
ページ情報: 英文 27 Pages
当レポートでは、世界の決済産業における新技術・サービスの普及状況とその影響について分析し、決済業界が現在直面している課題や、業界の新たな傾向 - フィンテックの普及ほか -、需要・供給サイドの両面からの技術開発への影響、将来的な市場機械、業界関係者が今後取るべき行動などについて調査しております。
The growing demand for value-added services, increasing competition due to emerging FinTechs, new payment-enabling technologies, and an ever evolving payments landscape is leading to a collaborative payments ecosystem. The new ecosystem is spurring further collaboration among its various stakeholders, forcing players to re-assess their positions in the market. Payment providers, for instance, are collaborating to offer value-added services, while vendors are looking to acquire new technology and build their customer base.
Furthermore, the need to increase investments in next-generation tools and alternative channels such as contactless and wearable's to enhance customer experience has become imperative for payment providers. Meanwhile, instant payments are emerging as an alternative option for quicker payments for retail and corporate businesses. Banks and FinTechs are also exploring distributed ledger technology (DLT) to transform cross-border payments, while IoT is set to disrupt the payments landscape.
However, an open collaborative infrastructure poses new threats and challenges related to cybersecurity and data privacy issues for enterprises. As a result, payment providers are looking to deploy robotics and machine learning technologies to detect and prevent frauds, while regulators are focusing on data-privacy law compliance. Additionally, as authentication becomes critical, the need to increase investments in advanced technologies (biometrics, digital identity, secure element, geo-location, and interoperable cryptographic keys) has also become undeniably important, with payment companies looking to boost their authentication techniques.
The report "Payments: Key Payment Trends in 2018 - a more collaborative ecosystem", is an attempt to analyze the key trends expected to impact the payments industry and its various stakeholders, including financial institutions, consumers, mPayment providers, retail, and other businesses in 2018.