Nium：无摩擦商业的未来畅想白皮书（英文版）（16页）.pdf

1、A Vision for a Future of Frictionless Commerce Simple,Seamless and Scalable Global Payments and Card Issuance By Arnav Gupta(Principal Analyst),Spencer Hanlon(Head of Global Travel Payments)Contributors Aloysius Tan,Frederick Crosby,Jeremiah Glodoveza,Joaquin Ayuso,Prajit Nanu,Rohit Bammi,Sovit Jain

2、,Yogesh Sangle,and others2The prolonged pandemic has placed an undeniable spotlight on the failings of our existing global payment systems complex,fragmented,and slow.Existing systems were pushed to their limits by a population that went digital seemingly overnight.For a future with frictionless com

3、merce,we must revisit our payments systems with focus on improvement in sync with the modern era staples-simple,seamless,and scalable.This report will detail how these core principles can help business and technology leaders restructure and modernize their payments.Todays payments systems are comple

4、x,fragmented,and slow:Nowadays,payments take place across a complex web of interoperable systems involving painstakingly slow settlement and reconciliation.This legacy infrastructure has reached its limits;it slows down business momentum,when in fact it holds the potential to be an accelerant.Tomorr

5、ows payments system must be simple,seamless,and scalable:Businesses adopting these three core principles will deliver excellent experiences,diligently meet risk and compliance checks,and automate payment processes all at a global scale.Follow four best practices to transform payments for a future of

6、 frictionless commerce:First,create an urgency for payment transformation.Second,use customer journey mapping to identify pain points in your existing payment processes.Third,adopt real-time APIs and global payment messaging standards.And fourth,partner with the right payment provider.Why read this