Uldis Tēraudkalns,Nexpay 首席执行官
自 2000 年代电子货币机构 (EMI) 首次出现以来,我们已经取得了长足的进步。 20 年前,人们担心这种电子货币趋势将把银行业带向何方。但时间证明怀疑者是错误的。根据一个
毕马威报告, in Europe (not counting the UK) between 2017 and 2021, 852 firms were granted authorisation as EMIs as well as Payment Institutions (PIs) or Account Information Service Providers (AISPs). That has made it a busy marketplace and indicates that
EMIs are now well and truly part of the banking mainstream.
Long-term trends in banking are working to the advantage of EMIs and are likely to strengthen their appeal to businesses and consumers over the next decade. Regardless of how robust the current EMI position and advantages may be, it’s essential for us in
this market to discern emerging trends to seize opportunities.
有利于 EMI 的 8 个强大趋势
到本世纪末及以后的几年里,更广泛的环境似乎将增加 EMI 的吸引力。一些强大且长期的动力正在发挥作用,发挥它们的优势,并可能增强它们对用户的价值主张:
-
寻找价值
Cost of living increases and an economic turndown have combined to exert pressure on consumers and businesses alike. Both are seeking value across all aspects of their activities, including banking services. Banks’ costs are escalating as regulatory requirements
increase. Anti-money laundering (AML), know your customer (KYC) and counter-terrorism financing (CTF) precautions impose costs that have to be passed on to customers. Many conventional banks are still failing to address the value equation, leaving them vulnerable
to competition from lower-cost players, including EMIs, leveraging the cost advantages of digital technologies.
- 对银行不再抱有幻想
A spate of failures in 2023 showed that banks are not inherently safe, and that deposit guarantee schemes have their limits. In search of additional profits to cover regulatory costs and loss-making core services, banks have been putting depositors’ money
at risk in areas where margins and risks are higher, such as derivatives, cryptocurrencies and subprime mortgages, with greater exposure to adverse market fluctuations, credit defaults and fines. There is a growing realisation that business users would be
better off with a stripped-back, low-cost, transactional form of banking, where the institution is licensed and protected by a credible central bank, ensuring the ultimate guarantee of deposits. In Lithuania, for example, where Nexpay is located, the central
bank provides EMI licensing backed by the ECB, which is about as secure as it gets.
根据
2023 年麦肯锡全球支付报告 |麦肯锡, cash usage declined by nearly 4% globally in 2022 while, over the past five years, the growth of electronic transactions has been nearly triple the overall growth in payments revenue.1 The surge in electronic
transactions signifies a shift in consumer behaviour towards digital payments, which directly benefits EMIs.
One reason for the growth in digital payments is that digital technologies such as eWallets and contactless cards and smartphones are rapidly becoming preferred methods of payments. This trend, accelerated by COVID-19, favours EMIs as they are at the forefront
of providing these digital payment solutions.
Financial inclusion remains a policy priority for central banks and governments. EMIs can contribute here by serving underbanked and unbanked populations with simplified account setup, reduced transaction costs, and easy access through mobile devices. EMIs
that focus on financial inclusion are likely to gain a competitive edge and further strengthen their value proposition.
开放银行正在鼓励新的市场进入者开发创新、便捷的支付体验。 EMI 凭借其灵活敏捷的特性,可以利用这一机会提供独特的解决方案并获得竞争优势。
Regulators are growing increasingly serious about addressing issues such as money laundering, fraud and the financing of terrorism. EMIs, with their digital-first approach and absence of manual processes, are well-positioned to address these regulatory hot
spots. As electronic transactions continue to grow, we can expect them to invest more in enhancing their transaction processing capabilities. This is likely to lead to advances in technology and security measures to handle the increased volume and protect
against fraud.
Currently, digital payment capabilities remain relatively fragmented on separate platforms. However, open APIs and technology infrastructure ready for interoperability point towards simpler integration and seamless connections to enable embedded finance
and reconciliation. EMIs product development expertise suits the rapid iteration of new services and the likely outcome is the emergence of a broad suite of payments services integrated in one platform.
应对未来挑战
The future for EMIs seems bright, given these trends, but market players should not forget the risks and constraints that are possible. While e-money have undoubtedly made significant strides in the financial industry, there are 3 most important considerations
要牢记:
法规 are growing increasingly stringent as EMIs expand their operations. It is crucial to remain adaptable and ensure compliance whenever possible. For example, over the past decade, most of Europe’s BaaS providers were established
using third-party software. However, regulators have recently intensified their oversight. Leading companies in the sector, including Modulr and Railsr in the UK and EU, as well as Solarisbank in Germany, have all faced significant business-disrupting restrictions
this year. So, think globally, but stay with your feet on the ground. EMIs looking to expand may encounter different regulatory landscapes and market dynamics. Careful planning and localized strategies are essential for successful international growth.
网络安全 threats are on the rise. EMIs need to invest heavily in robust cybersecurity measures to protect customer data and financial transactions. Data breaches involve unauthorized access to sensitive customer information, phishing
attacks and different kinds of payment frauds with AI and machine-learning, is just a short list of what is making not only EMIs nervous but traditional banks as well. And the ingenuity of scammers will become even greater as technology advances.To mitigate
these threats, EMIs should prioritise cybersecurity by implementing robust security measures, as well as employee training and awareness programs. Staying informed about the evolving threat landscape is crucial to maintaining the trust and security of customers
and the integrity of operations.
消费者信任 is just last but not least on my list. And it will be crucial as EMIs become more mainstream. Any breaches in trust can have long-lasting negative effects on their reputation and user base. Despite having access to cutting-edge
technology and an increased number of lawyers on retainer to handle regulatory matters, there is no replacement for the fundamental human-to-human connections that underpin trust. In an era dominated by advanced technology, the qualities of humanity and integrity
will only grow in significance, particularly in the context of reputation management.
Bottom line to what we’ve come to. EMIs have not only integrated into the financial mainstream but are also poised to play a pivotal role in shaping the future of banking. Their commitment to innovation, customer-centric solutions, ecosystem partnerships,
and financial inclusion positions them as key players in an evolving landscape, redefining the way we interact with money and banking services. While the future appears promising for EMIs, vigilance, adaptability, and a proactive approach to addressing potential
risks and constraints will be crucial for their sustained success in the evolving landscape of banking and finance.
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- Sumber: https://www.finextra.com/blogposting/25593/e-money-takes-centre-stage-8-trends-fueling-emis-growth-in-banking?utm_medium=rssfinextra&utm_source=finextrablogs
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