《银行卡组织高质量发展推动支付产业服务实体经济》报告发布

Core Insights - The report highlights the significant role of card organizations in promoting the high-quality development of the payment industry, emphasizing their contribution to the service of the real economy and digital transformation [1][4] Industry Trends - The global payment industry is undergoing profound changes, characterized by a dual trend of "regionalization" and "infrastructure development," with real-time payment systems and regional interconnectivity advancing rapidly [2] - Technologies such as artificial intelligence, big data, cloud computing, blockchain, and biometrics are reshaping payment processes and user experiences [2] Characteristics of China's Payment Industry - China's payment industry has developed a globally leading scale, deep technological penetration, and a diverse ecosystem, with a parallel issuance model of physical and digital cards becoming mainstream [2] - Digital wallets are emerging as the core payment tool due to their convenience, while various payment methods like card swiping, QR codes, and contactless payments are widely adopted in high-frequency, low-value transaction scenarios [2] - Collaboration among diverse market players, including commercial banks, card organizations, non-bank payment institutions, and service providers, is enhancing industry efficiency through standardization and optimization of clearing processes [2] Unique Practices of Card Organizations in China - China UnionPay is focusing on the global payment industry's innovation trends and digital transformation, integrating multiple resources to support the entire payment industry's innovation chain [3] - The organization is designing differentiated payment services to support government consumption promotion initiatives and exploring innovative paths to release consumption potential [3] - UnionPay is also deepening the application of new technologies like AI and IoT in the payment industry, promoting global payment ecosystem construction through cross-border payment interconnectivity [3] Value of Card Organizations - Card organizations continue to demonstrate irreplaceable core value in the high-quality development of China's payment industry, enhancing payment experiences and building a secure, globally compatible, and open interconnected industry mechanism [4] - They play a crucial role as implementers of policy, leaders in standard setting, and facilitators of ecosystem co-creation, ensuring the long-term healthy development of the payment industry [4]