国际清算银行：2024年更快的数字支付：全球和区域视角报告（英文版）

Digital payments are a promising tool to improve people’s payment experience and financial health. This is especially true for fast payments, which allow for immediate availability of final funds to the beneficiary. Often combined with new functionalities, fast payments can offer enhanced convenience compared with other payment instruments. They can also be cheaper for individuals and businesses, especially when provided by or in collaboration with the public sector and on a cost recovery bas