万事达卡：2024年实时支付的未来演进白皮书：驾驭实时支付的下一波应用浪潮（英文版）

Since the first real‑time payment system was launched in Japan in 1973,2 the journey towards real‑time services has become a goal for numerous markets worldwide. More recently, adoption has surged, with global real‑time payment volumes reaching a record high of 266.2 billion transactions in 2023 – representing year‑on‑year growth of 42.2%.3 This growth is fueled by the numerous advantages of real‑time payments, including the potential to lower costs, improve operations, and optimize cashflow,