D音大生态：2025中国跨境支付趋势（三）

Group 1 - The cross-border payment market is expected to reach $290 trillion by 2030, with the retail market growing by 45% [1] - B2B e-commerce is projected to grow from $39 trillion to $56 trillion, becoming the largest segment of cross-border payments [1] - The growth of cross-border commercial services is anticipated to surpass that of goods trade [1] Group 2 - Digital payments are dominating online consumption, with their share in the global e-commerce market increasing from 34% in 2014 to 66% by 2024 [3] - The growth of e-commerce is driving the rise of Buy Now Pay Later (BNPL) services, leading to a significant decline in cash and card usage [3] - The global e-commerce market is expected to grow by 10% year-on-year from 2023 to 2024, with a projected CAGR of 8% by 2030 [3] Group 3 - The renminbi has become the fourth largest currency for international payments, maintaining a market share of over 4% since the second half of 2023 [5] - The Cross-Border Interbank Payment System (CIPS) has expanded globally, with 171 direct participants and 1,500 indirect participants as of April 2025 [5] Group 4 - The central bank is collaborating with five official institutions to build a multi-central bank digital currency bridge, mBridge, which will enable cross-border "payment and settlement" [7] - The commercial pilot for the digital renminbi (DCEP) is set to accelerate by 2025, covering over 50 countries and regions, including 90% of the economies along the Belt and Road [7] Group 5 - "D Payment" is a closed-loop payment ecosystem developed by D Payment Technology Co., integrating payment, traffic, marketing, and data capabilities to provide merchants with a comprehensive growth solution [8]