World Payments
Report 2017

As a follow up to our successful World Payments Report (WPR) 2016 collaboration last year, Capgemini and BNP Paribas have partnered again—this time to present a special two-part WPR 2017. A recognized leader in transaction banking and cash management, BNP Paribas’ deep industry knowledge adds keen perspective to our 2017 report, particularly when it comes to corporate and institutional banking.

‘WPR 2017’ is available online, now. Take a look…for in-depth forward-looking analysis and detailed industry assessment.

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Next slide - Forward-Looking Analysis
Previous slide - World Payments Report 2016

Non-cash Payments Volume


Global non-cash transactions broke a decade-long record for growth in 2014-2015 with volumes exceeding 11% growth to
reach more than 433 billion. In WPR 2017, we estimate that global non-cash transaction volumes will record a CAGR of 10.9%
during 2015–2020E. Which markets will drive this growth? Developing markets are expected to boost the global growth rate of
non-cash transaction volumes with a sustained CAGR of 19.6% during this period, while mature markets are expected to grow
by a modest 5.6%. Europe, including the Eurozone, is expected to witness stable growth of 6.5% over the next five years. 725,900,000,000

Non-cash Transactions
Globally & Regionally
Next slide - Payments Mix
North America Upward growth to4.3%
Latin America Upward growth to7.1%
Mature Markets Upward growth to5.6% 53.2% Market Share
Global Growth Upward growth to10.9%
Mature APAC Upward growth to7.6%
Europe Upward growth to6.5%
Developing Markets Upward growth to19.6% 46.8% Market Share
CEMEA Upward growth to10.2%
Emerging Asia Upward growth to30.9%
Previous slide - Non-cash Payments Volume

Forward-Looking Analysis


E-payments and M-payments are forecasted to grow at a CAGR of 17.6% and 21.8% from 2015–2019E respectively, due to wider proliferation of mobile payment devices, adoption of instant payments and growth in emerging markets.

As corporates increasingly embrace digital payments, attracted by the operational and financial benefits of such methods, worldwide non-cash wholesale transactions are estimated to record a CAGR of 6.5% from 2015–2020E.

E- and M-Payments
Transactions Volume
Non-Cash Wholesale
Transactions
Next slide - Key Regulatory and Industry Initiatives
Previous slide - Forward-Looking Analysis

Key Regulatory and Industry
Initiatives (KRIIs)

The Payments industry is feeling the impact of key regulatory industry initiatives (KRIIs). The result?
Transformation of processes, business models and solutions.

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Next slide - Payments Processing
Previous slide - Key Regulatory and Industry Initiatives (KRIIs)

New Payments Ecosystem

Shifting corporate and consumer expectations of value-added services, the ever-changing
regulatory landscape, the emergence of FinTechs, and an increase in payments-enabling
technologies are driving structural changes in the payments industry. Banks must leverage
the opportunity to enhance their offerings by collaborating with various third-party developers
and FinTechs. Collaboration is the basis of the new payments ecosystem, in which different
players will need to re-assess their roles.

Banks Strategic Response
To Structural Changes
Key Enablers of the New
Payments Ecosystem
Tackling Cybersecurity Vulnerabilities
in the New Payments Ecosystem

Today, customers expect everything to be in real-time. Not just transactions, but monitoring and reporting as well. Ubiquity, global coordination, and standards are key.

Eileen Dignen, Managing Director,
Head of Cash Management & Commercial Cards –
Bank of the West, BNP Paribas

New challenges, such as cybercrime, are driving artificial intelligence and machine learning to further automate monitoring and cost management to support a fully compliant and robust infrastructure.

Julian Odale, Managing Director,
Head of Product, Innovation and Business Performance, Trade & Treasury Solutions –
Americas, BNP Paribas

Organizations operating across borders face continuing challenges to reconcile diverse domestic rules that cut across any initiative to work toward uniform modes of operation.

Chye Kin Wee,
Head of Cash Management and Transaction Banking –
Asia Pacific, BNP Paribas

New regulatory environments are enabling exciting new financial services business models and payments teams are the frontrunners in crossing transformational borders within many banks through innovative thinking.

Christophe Vergne, Head,
Payments Solutions, France,
Capgemini │Financial Services Strategic Business Unit

Global banking is undergoing a paradigm shift with a focus on creating unique digital marketplace services for customers; powered by open banking this enables providers to deliver more proactive value to consumers, driving better advocacy.

Ame Stuart, Vice President,
Digital Markets,
Capgemini │Financial Services Strategic Business Unit

Regulatory initiatives are having a big impact on the Payments industry. In the EU, PSD2 is opening the possibility of disintermediation for some banks while driving new value propositions for others.

Jeroen Holscher, Vice President,
Global Payments and Cards Practice,
Capgemini │Financial Services Strategic Business Unit

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