2022年12月23日

LatAm22:金融科技如何为新兴市场支付带来创新2022年12月23日专门从事新兴市场跨境支付的金融科技公司EBANX日前发布了其年度报告《Beyond Borders 2022/2023》，该报告已成为跟踪在线消费者行为、支付方式创新和新兴市场金融科技新趋势的基准。这是EBANX的工程师与美洲市场情报(AMI)合作开展的一项全面研究，其中首次包括一些数字商务发展最快的非洲国家和15个拉丁美洲国家。EBANX联合创始人兼董事会成员Wagner Ruiz参加了Fintech Nexus LatAm 2022活动，讨论了新兴市场支付创新的前景。这位高管强调，该公司进行的研究中最令人兴奋的结果之一是跨境支付和商务的增长，并评论了Ebanx如何在这些领域进行创新。“如果你看一下2022年的整体增长，我们说的是37%。但是，看看国内和跨境支付之间的差异是多么令人难以置信和有趣，所以我们一般将其保持在26%，27%和25%的复合年增长率。但如果你仔细观察，跨境贸易每年增长34%。”“那么，我们该如何应对呢?”我认为这是最重要的一点——我们专注于跨境支付;我们在几个国家进行全球采购。 But at the end of the day, what we have been doing and helping [with] for the last 11 years is providing new and alternative payment methods and also improving the credit bar wage for this moment.” The impact of alternative payment methods in LatAm Ruiz also commented on how the explosion of alternative payment methods in Latin America is changing the commerce ecosystem. For example, account-based transfers – including instant payments from Brazil’s famous and widely successful Pix – have been nearly doubling in volume each year in LatAm’s digital commerce sector since 2018, according to Americas Market Intelligence’s latest data analysis. By the end of 2022, Ruiz said the volume of such transfers is expected to reach around $70 billion, with the most significant shares in Colombia (30% share of the country’s e-commerce), Brazil (24%), Guatemala (11%), Bolivia and Chile (10% for both). According to the EBANX report, by 2025, this type of alternative method in Latin America should reach $121 billion in volume after growing at an annual rate of 33%. “Our part in this job, I believe,” said EBANX’s co-founder, “is to provide a seamless and easy payment method for a cross-border commerce that is growing a lot,” he concluded. Digital wallets adherence is growing fast Digital wallets were another of the fastest-growing alternative methods this year. According to EBANX, they are expected to increase in use by 20% annually through 2025 across all regional digital commerce. Also, through the end of 2025, the volume of e-wallet payments is expected to exceed $70 billion, representing approximately a 10% share of the entire Latin American digital commerce market, with Argentina and El Salvador topping the list of countries studied, with a 23% share of their respective markets being paid with this method, followed by Bolivia (14%), Peru (13%), Uruguay (12%), Brazil (11%) and Mexico (8%). For Ruiz, this growth has been driven mainly by increased demand for digital services in Latin America. Thanks to their instant confirmation, good user experience, and rewards and cash-back programs, digital wallets have become very popular in sectors that are also seeing extensive growth in their capital, such as influencers. In parallel, cash payments are heading for stagnation in Latin America’s digital commerce sector, said Wagner Ruiz. In 2018, this type of payment accounted for almost 20% of online purchases in the region; now, it only represents 8%, according to AMI. For the EBANX co-founder, digital wallets are replacing cash. The widespread digitization that accelerated in recent years and new regulations driven by players such as the Central Bank in Brazil have played a vital role in this. Source: Fintech Nexus