BPC：2025新一代收单系统：数字化转型重构支付收单研究报告（英文版）（22页）.pdf

1、12025 reportNext-generation acquiring:a new reality of the digital-ready futureReport2Although the digital revolution is more than a decade old,its full effects are only now beginning to hit some business areas.When it comes to payments acquiring,new market dynamics and trends in consumer payments a

2、re leading to wholesale changes in how the business operates.This report examines whats driving change-from regulation and the huge increase in merchants accepting electronic payments through to growing diversity in consumer payment options.We also explore the challenges these drivers have created f

3、or acquirers and what acquirers must do to adapt and survive.In this report3“A 30%rise in merchants accepting electronic payments by 2030,plus the need to pay and be paid more rapidly,will transform acquiring.”When it comes to payments,the second wave of the digital revolution will be characterized

4、by three phenomena:a rapid increase in the number and types of merchant accepting electronic payments,vast growth in the different ways consumers and businesses can pay,and an increased regulatory focus on transaction and system security to guard against new forms of fraud arising in the online worl

5、d.The Digital and Card Payment Yearbooks 2024 project1 that merchant numbers in Europe alone will grow by more than 30%between 2024 and 2028.This places huge pressure on existing acquiring systems in terms of managing higher IntroductionDigitals second wave and the new landscape1 The Digital and Car

6、d Payment Yearbooks 2024 at 4volumes of transactions per second(TPS)as more consumers pay electronically.Furthermore,these new merchants are likely to be micromerchants and Small and Medium Enterprises(SMEs)that face specific challenges in terms of costs as well as the need to transact and settle fu