凯捷（Capgemini）：2026年全球支付报告（中译版）（68页）.pdf

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1、World Report Series 2026World Payments ReportWinning back merchants means playing differentlyThe(not-so)silent takeover:World Payments Report 2026Copyright 2025 Capgemini.All rights reservedCapgemini Research Institute 2025Table of contents03Foreword04Executive Steering Committee20Close the gap and

2、rejoin the merchant servicing game06Executive summary40Banks have the right to win61Partner with Capgemini60Methodology59Conclusion08As customers and merchants surge forward,can banks catch up?2World Payments Report 2026Copyright 2025 Capgemini.All rights reservedCapgemini Research Institute 2025We

3、are witnessing a profound transformation within the global payments landscape.As more customers and merchants shift to digital-first experiences,including digital wallets,account-to-account transfers,and agentic commerce(where autonomous AI agents shop on behalf of consumers),banks are losing ground

4、 in the merchant servicing business.Theyre now at a crossroads:either adapt quickly to stay relevant,or risk falling behind.From 2014 to 2024,global non-cash transaction volumes grew fourfold,compared with 1.5x growth in global Gross Domestic Product.Digital payments dominance is no longer a trend-i

5、ts the new global reality with Asia-Pacific in pole position.Capgeminis World Payments Report 2026 draws on a global survey of merchants and payment executives,to reveal a widening gap between what merchants expect and what banks can deliver.Merchants today want payment solutions that work across al

6、l channels,are secure,and can scale with their business.For small and mid-sized businesses,its all about speed and reliability.Larger merchants,on the other hand,are looking for smarter,AI-powered personalization and seamless integration into their existing systems.As expectations accelerate,banks a