BPC：2022年为数字经济重塑信用卡报告（英文版）

As digitisation gathers pace, organisations issuing credit cards face a number of competitive threats, including digital wallets linked directly to bank accounts and account-to-account (A2A) solutions which bypass card rails entirely. According to WorldPay/FIS, these two payment methods1 are predicted to account for around 48% of all electronic transactions by 2026. Furthermore, as growth in credit card usage slows, reports in The Financial Times suggest2 the profitability of credit