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相互運用可能な即時決済と流動性:取引限度、データ調整、企業のユースケース

Interoperable Instant Payments and Liquidity: Why Limits Need to Rise, Data Align, and Corporate Use Cases Evolve

発行 IDC 商品コード 750764
出版日 ページ情報 英文 21 Pages
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価格
本日の銀行送金レート: 1USD=109.43円で換算しております。
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相互運用可能な即時決済と流動性:取引限度、データ調整、企業のユースケース Interoperable Instant Payments and Liquidity: Why Limits Need to Rise, Data Align, and Corporate Use Cases Evolve
出版日: 2018年11月30日 ページ情報: 英文 21 Pages
概要

当レポートでは、欧州・米国・オーストラリアなどのリアルタイム決済 (RTP) インフラについて調査分析し、現状と課題、初期段階の最終用途例などについて、体系的な情報を提供しています。

エグゼクティブスナップショット

概況

  • 収益化
  • ロールアウトを加速
  • 標準規格
  • データ中心のアプローチ
  • 障壁と利益:クロスボーダー
  • 流動性の変化
  • FinTechと代替プラットフォーム
  • 世界のコネクテッド流動性サービス
  • 取引限度を上げる必要性
  • 相互運用性、gpi、クロスボーダー問題
  • 銀行のコネクティビティの課題
  • 地域のイニシアティブ
  • 企業のRTPの最終用途
  • 支払請求
  • オープンバンキングとAPI
  • 企業のAPI対応の最終用途例
  • TIPSとRTGSのオーバーホール

技術バイヤーへの提言

参考資料

  • 関連調査
  • 要約
目次
Product Code: EMEA44442418

This IDC Perspective looks at real-time payment (RTP) infrastructures in Europe, the U.S., Australia, and elsewhere. It questions how helpful the extra speed will be for global corporate banks and their clients until transaction limits rise and cross-border functionality and more corporate end uses evolve. Some early stage end use examples are provided. The convergence between RTPs and real-time data, often enabled by open application programming interfaces (APIs), is where the long-term opportunities lie to add integrated payment and liquidity services, which could eventually lead to cognitive cash management tools. "The move to RTP is proliferating around the world with Hungary, Canada, and other nations launching new instant payment infrastructures in 2019, while the new U.S., EU, and Australian platforms strive to achieve universal uptake. Almost 50 nations now have such platforms, but once the connectivity and integration challenge has been overcome, the challenge will be to make them useful to multinational corporations by offering interoperability across borders and data-rich API-enabled services," said Neil Ainger, research manager, Corporate Banking, IDC Financial Insights. "End uses exist in the collections area -many are featured in this report - but banks will have to work hard to converge real-time payments with real-time data in order to deliver really useful new cash management tools."

Executive Snapshot

Situation Overview

  • Monetization
  • Accelerating Rollout
  • Standards
  • Data-Centric Approach
  • Barriers and Benefits: Crossing Borders
  • Changing Liquidity
  • Fintechs and Alternative Platforms
  • Global Connected Liquidity Services
  • Transaction Limits Need to Rise
  • Interoperability, gpi, and the Cross-Border Problem
  • Bank Connectivity Challenge
  • Regional Initiatives Spanning Borders
  • Corporate RTP End Uses
  • Request to Pay
  • Open Banking and APIs
    • What are Open APIs and How Do They Work?
    • The Fight for a Common API Standard
  • A Corporate API-Enabled End Use Example
  • TIPS and RTGS Overhauls: Changing Liquidity Management Infrastructure

Advice for the Technology Buyer

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