此外，非洲大陆区域支付系统的扩展也有助于深化非洲的跨境支付。非洲主流的几大区域支付系统 如GIMACPAY、PAPSS和南部非洲发展共同体（SADC）系统分别覆盖中部、西非及部分东非南部非洲 的20余国。包括ECOWAS等在内的非洲其他区域集团也在陆续发展支付系统。为此，非洲国家必须解 决人员自由流动问题，为跨境支付创造激励措施，才能深化整个非洲大陆的支付体系。 据"全非洲"11月16日报道，根据《包容性即时支付系统状况》，2024年非洲的即时支付交易额超过 1.9万亿美元，交易总额从2020年的7757亿美元增加到2024年的19806亿美元。即时支付系统在整个非洲 大陆实现了显著增长和扩张。 报告显示，即时交易系统（IPS）在非洲大陆不断扩张，目前在31个国家/地区有36套在运营的交易 系统。越来越多的国家采用即时支付系统并使用数字金融服务，支持了整个非洲大陆的生计、贸易和增 长。已经在运行即时支付系统的国家应着重提高数字支付服务的包容性、创新性和可负担性。" （原标题：非洲即时支付交易额在2024年达1.9万亿美元） ...

Core Insights - The Alliance for Financial Inclusion (AFI) has implemented over 920 evidence-based policy changes in the past 15 years, focusing on promoting inclusive finance strategies among member countries [1] - A key global trend in inclusive finance is the development of inclusive instant payment systems, with nearly 20 countries establishing such systems recently, and over 80 countries having implemented them [2] - China is a leader in the instant payment system space, with significant roles played by private sectors like WeChat Pay and Alipay, while the central bank oversees the core infrastructure [2] Global Trends - The rise of digital platforms and "super apps" is a significant trend, with China being a pioneer. This model is spreading to regions like Southeast Asia, South Asia, Africa, and Latin America, where payment and financial services are integrated with non-financial services [4] - The focus of inclusive finance is shifting towards the quality and depth of financial services, with an emphasis on digital payment applications in sectors like agriculture and healthcare [5][6] Future Opportunities - In the next 3 to 5 years, sectors such as agriculture, healthcare, and technology are expected to drive the development of inclusive finance, particularly through digitalization and green finance initiatives [5][6] - Small and medium-sized enterprises (SMEs) are poised to benefit from digitalization, allowing them to access global markets and reduce financing costs through enhanced competition and digital processes [7]