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상호 운영 가능한 즉시결제와 유동성 : 거래 한도, 데이터 조정, 기업 사용 사례

Interoperable Instant Payments and Liquidity: Why Limits Need to Rise, Data Align, and Corporate Use Cases Evolve

리서치사 IDC
발행일 2018년 11월 상품 코드 750764
페이지 정보 영문 21 Pages
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US $ 4,500 ₩ 5,395,000 PDF by E-mail (Single User License)


상호 운영 가능한 즉시결제와 유동성 : 거래 한도, 데이터 조정, 기업 사용 사례 Interoperable Instant Payments and Liquidity: Why Limits Need to Rise, Data Align, and Corporate Use Cases Evolve
발행일 : 2018년 11월 페이지 정보 : 영문 21 Pages

유럽·미국·호주 등의 실시간 결제(RTP) 인프라에 대해 조사분석했으며, 현황과 과제, 초기 단계의 최종 용도 사례 등에 관한 정보를 정리하여 전해드립니다.

이그제큐티브 스냅숏

상황 개요

  • 수익화
  • 롤아웃을 가속
  • 표준 규격
  • 데이터 중심 접근
  • 장벽과 이익 : 크로스보더
  • 유동성의 변화
  • FinTech와 대체 플랫폼
  • 세계의 커넥티드 유동성 서비스
  • 거래 한도를 올릴 필요성
  • 상호운용성, gpi, 크로스보더 문제
  • 은행의 커넥티비티 과제
  • 지역 구상
  • 기업 RTP의 최종 용도
  • 지불 청구
  • 오픈 뱅킹과 API
  • 기업 API 대응 최종 용도 사례
  • TIPS와 RTGS 오버홀

기술 바이어 대상 제안

참고 자료

  • 관련 조사
  • 요약
KSA 18.12.17

This IDC Perspective looks at real-time payment (RTP) infrastructures in Europe, the U.S., Australia, and elsewhere. It questions how helpful the extra speed will be for global corporate banks and their clients until transaction limits rise and cross-border functionality and more corporate end uses evolve. Some early stage end use examples are provided. The convergence between RTPs and real-time data, often enabled by open application programming interfaces (APIs), is where the long-term opportunities lie to add integrated payment and liquidity services, which could eventually lead to cognitive cash management tools. "The move to RTP is proliferating around the world with Hungary, Canada, and other nations launching new instant payment infrastructures in 2019, while the new U.S., EU, and Australian platforms strive to achieve universal uptake. Almost 50 nations now have such platforms, but once the connectivity and integration challenge has been overcome, the challenge will be to make them useful to multinational corporations by offering interoperability across borders and data-rich API-enabled services," said Neil Ainger, research manager, Corporate Banking, IDC Financial Insights. "End uses exist in the collections area -many are featured in this report - but banks will have to work hard to converge real-time payments with real-time data in order to deliver really useful new cash management tools."

Executive Snapshot

Situation Overview

  • Monetization
  • Accelerating Rollout
  • Standards
  • Data-Centric Approach
  • Barriers and Benefits: Crossing Borders
  • Changing Liquidity
  • Fintechs and Alternative Platforms
  • Global Connected Liquidity Services
  • Transaction Limits Need to Rise
  • Interoperability, gpi, and the Cross-Border Problem
  • Bank Connectivity Challenge
  • Regional Initiatives Spanning Borders
  • Corporate RTP End Uses
  • Request to Pay
  • Open Banking and APIs
    • What are Open APIs and How Do They Work?
    • The Fight for a Common API Standard
  • A Corporate API-Enabled End Use Example
  • TIPS and RTGS Overhauls: Changing Liquidity Management Infrastructure

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