2023年7月17日

迅速研究揭示中小企业和消费者价值的关键因素在跨境支付在一个日益相互联系的世界上,低价值的跨境支付的需求已经达到了前所未有的水平。迅速、安全的金融信息服务的全球供应商,进行了全面研究,阐明影响市场的关键因素。这项研究调查了7000名消费者和小企业,阐明了安全的重要性,透明度,以及隐性费用的影响。根据快速、安全和透明度至关重要的消费者和小型企业在选择供应商付款。为客户安全成为主要的驱动程序,紧随其后的是信任(对消费者)和透明的费用(中小企业)。客户不喜欢隐藏的费用甚至超过付款没有到达。事实上,大约70%的受访者表示,他们将不会再使用支付服务提供商如果他们遇到隐藏fees-likely因为隐性费用让人们觉得他们被骗了。在这个市场蓬勃发展,支付供应商应优先考虑透明的定价结构和前期披露的费用。这项研究还强调了主导地位的传统银行的跨境支付景观,87%的中小企业和81%的消费者转向银行国际收支作为他们的主要选择。然而,调查还显示,客户愿意探索替代供应商如果他们可以匹配的银行发行或其他fintech球员。 While speed is valued by customers, the study found that it should not come at the expense of security and transparency. Many consumers and SMEs expect international payments to be completed within one hour or less. Although only a minority currently expects instant payments, Swift suggests that these expectations are likely to rise as more domestic market infrastructures adopt instant payment systems. The survey also uncovered notable variations in customer preferences across different countries. Customers in Saudi Arabia and Australia express heightened concern about the impact of foreign exchange conversion, while German SMEs place particular importance on the integration of payment processes into existing tools, such as accounting software.