Oceanpayment，以支付科技塑造全球增长的下一个十年

Core Insights - The article emphasizes that payment has evolved from being the endpoint of transactions to becoming the starting point for growth in the global economy, particularly in the context of the "reconnection era" [1][2] Group 1: Global Growth Dynamics - Over the past decade, the logic of global economic growth has been rewritten, driven by digitalization, green initiatives, and a rebalancing of globalization [2] - The COVID-19 pandemic has redefined growth for cross-border trade, shifting focus from mere scale expansion to long-term value through technological innovation and sustainable growth [2] - Financial technology, particularly payment innovation, is identified as a key variable in global growth, enhancing efficiency, transparency, and connectivity in business [2][3] Group 2: Payment Technology as a Connector - As globalization enters a "reconnection" phase, the core of competition has shifted to "connectivity capabilities" rather than resources or markets [2] - Payment systems serve as critical bridges connecting transactions, trust, and value across various sectors, including cross-border e-commerce and digital entertainment [2][4] Group 3: Digital Payment Trends - McKinsey predicts that by 2028, global digital payment transaction volume will exceed $30 trillion, with mobile wallet users surpassing 5 billion, covering nearly two-thirds of the mobile population [3][16][17] - The integration of technologies like real-time payments and virtual cards is transforming payment from a passive transaction completion to an active growth driver, enabling seamless payment experiences [3] Group 4: Trust Networks and Value Flow - The value of payments is shifting from mere fund transfers to the flow of trust and data, enhancing efficiency and transparency in cross-border settlements [4][5] - AI and data models are being utilized for real-time decision-making in risk control, while compliance systems are aligning with global standards through digital identities [4] Group 5: Regional Payment Ecosystems - Emerging markets such as Southeast Asia, Latin America, and the Middle East are becoming hotspots for payment innovation, with local wallets and international channels increasingly integrating [6] Group 6: Oceanpayment's Role in Payment Innovation - Oceanpayment has focused on cross-border payment solutions for over a decade, aiming to connect every node of global commerce through payment technology [7] - The company has developed a scalable global payment infrastructure, integrating global acquiring, fund management, and virtual card issuance [9] - Oceanpayment's intelligent payment routing system enhances transaction success rates and cost efficiency, while its data intelligence framework supports decision-making for business growth [9] Group 7: Future of Payment Technology - The next decade is expected to see payments evolve from merely connecting transactions to connecting value, driven by emerging technologies like AI, blockchain, and big data [14] - The core directions for global fintech development will be openness, intelligence, and sustainability, with a focus on API collaboration, AI-driven services, and the role of payment systems in sustainable finance [15]