凯捷金融服务2025年热门趋势：Payments

Investment Rating - The report does not explicitly provide an investment rating for the industry Core Insights - The report identifies key trends in the financial services industry for 2025, focusing on the impact of digital transformation, regulatory changes, and evolving customer expectations Summary by Sections Wealth Management - Seamless digital experiences are driving wealth companies towards digitalization [12] - Integration of services to create a seamless customer experience is essential [12] - AI enables hyper-personalized advisory strategies [12] Retail Banking - A focus on multi-channel customer journeys enhances overall experience [12] - Financial literacy and personal budgeting applications are improving customer confidence [12] - Next-generation banking targets younger demographics to ensure long-term customer relationships [12] Payments - Instant payment adoption is rapidly increasing, projected to grow from 16% of global payment transactions in 2023 to 22% by 2028 [33] - Digital wallets are expected to account for 49% of global transaction value by 2027 [33] - Cross-border payment corridors are enhancing efficiency and speed for businesses [54] Capital Markets - Organizations are digitizing KYC processes to reduce compliance costs and enhance customer experience [15] - The market landscape is shifting towards passive investment and the growth of retail investors [15] Sustainability - Financial institutions are increasingly incorporating ESG risk factors into their investment strategies [15] - The demand for sustainable products is reshaping the financial landscape [15] Operational Resilience - Regulatory bodies are prioritizing operational resilience to foster trust in a cashless future [76] - Organizations are focusing on mastering their capital strategies amid global uncertainties [15] Cloud-Based Solutions - The adoption of cloud-native payment hubs is streamlining payment processes and enhancing operational efficiency [61][62] - Cloud-based payment processing helps organizations adapt to regulatory changes and innovate rapidly [61][62] Multi-Rail Payment Strategies - Multi-rail payment strategies are enhancing flexibility and providing various payment options through a single interface [67][68] - The approach aims to capture a total addressable market of approximately $235 trillion [69]