麦肯锡：2024年全球支付报告：简单的页面复杂的现实（英文版）

The tantalizing vision for global payments has long been that they’d be safe, simple, quick, inexpensive, and ubiquitous. This promise has come closer with each new technological advance. However, instant payment systems have ushered in the Decoupled Era, a term coined in last year’s Global Payments Report.1 In this new world, while payments are getting quicker, they are increasingly disconnected from accounts, and players have proliferated, fragmenting the value chain, increasing complexity,