全球支付报告2014GlobalPayments2014.pdf

Financial Services Practice Global Payments 2014: A Return to Sustainable Growth Brings New Challenges Global Payments 2014: A Return to Sustainable Growth Brings New Challenges Introduction 2 The Global Payment Indu try: 6 Return to Su tainable Growth Di ruption and Opportunitie 14 Are Emerging from Digitization 2 Global Payments 2014: A Ret rn to S stainable Growth Brings New Challenges ntroduction After a fallow period following the financial crisis of 2008, robust growth has returned to the payments industry. McKinsey ’s Global Payments Map forecasts global revenues to grow at 8 percent a year through 2018, at which point annual revenues will reach $2.3 trillion and account for 43 percent of all banking services revenues, compared to 34 percent in 2009. The return to growth is being fueled primarily by sustainable volume increases, rather than less sustainable improvements in revenue margins. This holds true for both 1 L iq id assets refer to overdrafts and credit card lines; liq id liquidity revenues (net interest income —N —on liquid dep osits refer to current accounts and transactional savings assets and deposits1) as well as transactional revenues (fee accounts (i.e., savings accounts from which transactions can be made without restrictions). and float income on payments transactions) . Global Payments 2014: