Factors that Facilitate and Impede Cross Border Payments的因素，促进和阻碍跨境支付.pptVIP

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Factors that Facilitate and Impede Cross Border Payments的因素，促进和阻碍跨境支付.ppt

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Factors that Facilitate and Impede Cross Border Payments的因素，促进和阻碍跨境支付.ppt

Factors that Facilitate and Impede Cross Border PaymentsCarol ClarkPayments in the Americas Federal Reserve Bank of AtlantaOctober 7, 2004 Scope of Study I. Cross border payments marketplace excluding securities transactions II. Detailed information on 16 countries that have considerable ACH volume III. Policy issues related to international payments IV. Future considerations Key Points Projected growth in cross border payments Payment barriers Players in global electronic marketplace Two cross border payment models Key Points Payment networks are two-sided markets Challenges for new payments providers Establishing critical mass Aligning incentives for each of the payment participants Projected Growth in Marketplace U.S. largest sender of remittance payments in world Last half of 1990’s remittance flows to Latin American countries doubled Remittances to Mexico, El Salvador, Guatemala, Honduras, Nicaragua will increase from $10.2 billion in 2000 to $18 billion in 2005 (Pew Hispanic Center) Projected Growth in Marketplace Global retail payments projected to grow 10.2% by 2010 7.8% in the Americas (Boston Consulting Group) Cross border payments may double 2003-2005 (Unisys, Global Concepts, Talson) Media attention on providing inexpensive, reliable remittance services Cross Border Payment Barriers Banks and end users view cross border payments as costly and cumbersome Incentives to develop faster and lower cost systems do not exist Small payment volumes present challenges to developing critical mass Global Payments Marketplace Marketplace concentrated among a few players Financial Institutions Non-Bank Providers Central Bank or Privately Owned Payment Systems Infrastructure costs may drive further consolidation Two Payment Models Correspondent/Network Relationship Model Tiered Relationship Model Correspondent/Network Model Tiered Relationship Model Two Sided Markets Factors that Influence Senders Consumer/Business Cost Proximity FX Conversi