World Payments
Report 2017

As a follow up to our successful World Payments Report (WPR) 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- A preview into the global payments landscape’ is available online, now. Take a look...for in-depth historical analysis of the global non-cash transaction market as well as a global review of key regulatory and industry initiatives (KRIIs). And, stay tuned for forward-looking analysis and even more industry assessment in WPR 2017, to be published in October.

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Next slide - Payments Volume
Previous slide - World Payments Report 2016 Next slide - Payments Mix
North America Upward growth to5.4%
Latin America Upward growth to4.8%
Mature Markets Upward growth to6.8% 68.3% Market Share
Global Growth Upward growth to11.2%
Mature APAC Upward growth to9.6%
Europe Upward growth to7.5%
Developing Markets Upward growth to21.6% 31.7% Market Share
CEMEA Upward growth to16.4%
Emerging Asia Upward growth to43.4%
Previous slide - Payments Volume

Non-cash Payments Mix

With the exception of checks, all payment instrument transaction volumes gained ground in 2015. Card payments grew the fastest with a 1.2% gain in share of global non-cash transactions, increasing from 65% in 2014 to 66.2% in 2015. Credit transfer volumes grew by more than 12% during 2015, all regions recording surges. Direct Debit total growth jumped globally from 6.6% in 2014 to more than 10% in 2015. The growing popularity of electronic payments contributed to the decline of check use in 2015, which fell by 13.4%.

Payments Mix Cash Usage
Next slide - Key Regulatory and Industry Initiatives
Previous slide - Payments Mix

Key Regulatory
and Industry Initiatives

The Payments industry is feeling the impact from 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

Point of View

On January 13, 2018, PSD2 will be in effect. Before then, there are many targets to be monitored and the process of transposing appears somewhat muddled with some banks fearing a lack of synchronization between EU members. Similarly, there's concern that momentum surrounding Regulatory Technical Standards (RTS) may be lost as it is slated to go into effect 12-16 months after PSD2.

In Asia-Pacific, there is a diverse regulatory landscape with recent unprecedented activity in key economies and rules targeting currency and exchange limits. Corporate CFOs and treasurers must be agile to navigate this dynamic environment.

PSD2: The Road Ahead Asia-Pacific Payment Regulation
Customer demands, entry of non-banks, and channel
convergence are primary drivers for customer-facing”
There is a strong inclination towards quick
prioritization of payments processing

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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