超越边界：在快速变化的跨境支付市场中把握增长机遇

Investment Rating - The report indicates a strong investment opportunity in the cross-border payment industry, highlighting its potential for significant growth and transformation [4]. Core Insights - The cross-border payment sector is poised for disruption, with the market expected to reach $290 trillion by 2030, driven by increasing e-commerce demand, globalization, and technological advancements [4][6]. - The current payment systems are outdated and require reform to enhance efficiency, reduce costs, and improve transparency [14][25]. - The report identifies six strategic priorities for stakeholders in the cross-border payment ecosystem to capitalize on emerging opportunities [4][39]. Summary by Sections 1. Market Overview and Industry Restructuring Trends - The cross-border payment market reached $190.1 trillion in 2023, with a compound annual growth rate (CAGR) of approximately 9%, projected to grow to $290 trillion by 2030 [6][11]. - The market is fragmented, with various participants focusing on different regions and transaction types, creating numerous opportunities for both existing and new entrants [6][11]. 2. Strategic Imperatives for Cross-Border Payments - Emphasizing real-time payments is crucial for enhancing global transaction speed and efficiency, with initiatives like the EU's instant payment regulations aiming for seamless cross-border transactions [40][41]. - Transitioning to the ISO 20022 messaging standard is essential for improving data quality and operational efficiency, with an expected adoption rate of 80% for high-value transactions by 2025 [47][49]. - Strengthening anti-money laundering (AML) measures and compliance frameworks is necessary to adapt to increasingly complex international regulations [54]. - Leveraging digital currencies and Central Bank Digital Currencies (CBDCs) can drive innovation in cross-border payments, enhancing transaction efficiency and security [55][56]. - Establishing strategic partnerships among banks, fintech companies, and regulators is vital for fostering innovation and improving service delivery [40][56]. 3. Exploring New Frontiers: Opportunities in the Cross-Border Payment Ecosystem - Banks are focusing on service innovation and strategic partnerships to gain competitive advantages in the evolving landscape [18]. - Fintech companies are utilizing open data economies to offer faster and more personalized cross-border payment solutions [18]. - Remittance operators are enhancing cost efficiency and customer experience through comprehensive digitalization [19]. - Infrastructure providers are leading innovation through blockchain, APIs, and cross-platform interoperability [19]. - Regulatory bodies are committed to promoting compliance, market coordination, and innovation in the cross-border payment sector [19].