未来支付领域的金融科技变革-innovation in payments_ the future is fintech.pdfVIP

Innovation in Payments: The Future is Fintech Table of Contents 1 Foreword 1 2 Executive Summary 2 3 The Growth of Fintech 3 4 Drivers of Change 4 5 Consumer and Retail Payments 6 6 Wholesale and Corporate Payments 8 7 How are Banks Responding to Fintech? 13 8 Recommendations 16 9 Conclusion 17 INNOVATION IN PAYMENTS // 1 1 Foreword By Dominic Broom, Head of Treasury Services EMEA, BNY Mellon The wind of change in the payments world is gaining these new entrants has been far more profound in strength as inancial technology’s (“intech”) in the retail and consumer payments space potential to alter how, where and when payments (more of which in the following pages), yet these are made – as well as who it is that facilitates them new payment capabilities and ideas are already – is further explored and leveraged. This paper diffusing into the area of corporate payments, examines the growing capabilities of intech in as personal preferences inluence corporate both the consumer/retail and wholesale/corporate demand. Furthermore, in the continually-evolving payments arenas, and discusses the monumental payments sector, the impact of the intech rol