WEF-2022年拉丁美洲和加勒比地区加速数字支付.pptx

;;Accelerating Digital Payments in Latin America and the Caribbean;Executive summary Digital payments are a foundational part of economic activity, financial inclusion and business growth. Importantly, they are a driver of digital trade.;;Digital payments power economic activity and digital trade;;Overview of digital payments in LAC;;;;;;;2;;Government policies or regulation can create barriers to entry for payment providers trying to innovate in the market. Many countries adopt onerous licensing requirements, capital requirements, domestic processing and data restrictions to enhance security, control costs or address privacy concerns but have the unintended consequence of creating market access barriers. For example, some countries may require strict requirements to grant a business license, such as capital requirements, forced joint ventures or a requirement to set up a local entity. This disincentivizes international payment service providers from operating or investing in those markets. Smaller companies like fintech start-ups may not have the capital or personnel needed to meet those requirements. When governments enact these types of onerous requirements it can limit the supply of cross-border payments in their market, which impacts the ability of local businesses to participate in international trade. Similarly, requirements to process all transactions by a single local switch or process transactions onshore can impact the ability of firms to offer digital payment solutions for e-commerce, especially cross-border digital trade.;Growing digital payments in LAC: Proposed solutions to overcome barriers;;;;Going forward;Contributors;Daniel Martinez Associate Director, Industry Relations , Clip;1.;;“Proyecto piloto para realizar pruebas en la Arenera de operaciones de cash-in y cash-out en productos financieros de depósito a nombre de plataformas de criptoactivos”, Superintendencia Financiera de Colombia, https://www. .co/inicio/innov