1、2022?2?3?5?42?67?150?152?The Global Payments Report?3?40?/?FIS Flavors of Fast?FIS?4?5?6?2021?14%?5.3?2021?52%?2025?12%?8.3?2025?12%?59%?2025?19%?20%?2021?21%?2025?18.8%?1.56?2021?13.2%?2025?12.9%?1.07?2021?48.6%?2.6?2025?52.5%?2021?68.5%?2025?72.4%?3.1?2021?7.4%?2025?6.2%?5160?Pix?BLIK?2021?2.9%?20
2、25?5.3%?Klarna?Afterpay?Square?PayPal?Zip?Sezzle?2021?13%?2019?2021?15%?6%?2025?6%?8%?7%?5%?2025?58.9?72021?2020?2021?2021?17.9%?8.3?2025?9.8%?5.6%?7.7%?31.3%?23.6%?2021?2021?23.9%?11.1?40.2%?2025?22.4%?13.2?2021?22.7%?39.7%?2025?22.3%?2021?21%?28.6%?13.3?2021?44.1%?2023?2025?38.6%?22.7?2021?3.9%?20
3、25?3.4%?2021?1%?2025?1.6%?2021?8?2025?1.9%?2.8%?2021?2.2%?2025?1.9%?1.12?2020?60?2022?72%?RTGS?API?9?P2P?/?1053%19%13%6%5%1%1%1%1%0%0%39%22%22%10%3%2%2%*?2025*2025*?20212021?/?/?/?/?/?49%21%13%7%3%3%1%1%1%1%1%29%24%23%18%4%2%1%?11?2021?11%?11%?2025?2025?25%?20%?16%?13%?15%?9%?9%?6%?12?2021?26.7%?202
4、1?24.7%?17.2%?14.2%?4%?2021?8.1%?2021?11.7%?12.8%?18.1%?25.2%?Swish?Vipps?MobilePay?2021?25.6%?2022?2025?28.7%?19.7%?2021?2025?2021?15.8%?2021?34.9%?2025?25%?2021?4.1%?2025?7.1%?PayPal?BBVA Wallet?2021?30.3%?2025?26.9%?23.9%?2021?32.3%?2025?2025?12.1%?37.7%?23.6%?60%?Apple Pay?Google Pay?PayPal?2025
5、?28.4%?13?2025?12.1%?BLIK?54.5%?2025?58.6%?FPS?FAST?2025?15%?15.9%?2021?2020?2020?2021?14%?25%?21%?20%?2021?10%?16%?15%?11%?14%?2:1?2021?39.7%?15?10?2021?64.4%?62.7%?60.8%?59.2%?2025?37.7%?2022?2022?2023?2021?19.3%?2025?22.5%?2020?2021?2021?25.6%?2020?27.4%?2019?40.2%?4%?47.1%?2025?2025?3.8%?2.6%?4%
6、?2025?2021?7.7%?2025?14.7%?2021?12.9%?2021?1.9%?2025?2.8%?5%?14?2025?20?SEPA credit transfer?SCT Inst?SCT Inst?800?300?200?50%?2?P2P?API?ISO?15?SCT Inst?2021?SEPA?10%?2019?1%?B2B?B2C?10?2500?SCT Inst?SCT Inst?/?European Payments Initiative?SCT Inst?NPA?Faster Payments?BACS?NPA?2021?2022?P27?P27?/?P2
7、P?P2B?B2P?P27?/?1629%23%14%15%12%4%1%1%1%1%2025*2025*?/?/?/?202140%26%19%8%4%2%2%38%17%23%15%4%3%2%2021?/?/?27%25%17%14%8%4%2%1%1%1%17*?2017?2021?17%?2025?12%?22%?19%?18%?12%?2025?3.2?6%?10%?8%?18?2021?68.5%?2025?72%?2021?83%?45.4%?38.8%?30.5%?GCash?GrabPay?LINE Pay?OVO?Paytm?2021?12.8%?2025?11%?202
8、1?58.3%?56%?42.8%?4.1%?13.3%?10.2%?12.2%?2021?7.8%?2025?8.6%?15.3%?3%?19?2021?68.5%?2021?0.6%?2025?1.8%?780?Atome?,Hoolah?Rely?2021?4.7%?2021?29.8%?36.6%?23.3%?23.8%?2021?13.9%?15%?23.4%?2025?2021?2020?15%?13%?2021?23%?22%?17%?17%?15%?13%?2025?7%?11%?7%?2025?26?7%?2021?54%?24.8%?2017-2020?2021?10.3%
9、?2025?2021?15.6%?2021?13.9%?2025?1.1%?2025?17?16%?51%?20?63.4%?53.8%?2025?8%?/?2021?18.7%?15.1%?2021?54.5%?42%?33.9%?54.7%?47.2%?41%?2025?31%?/?3.8%?4.1%?2021?0.6%?3.6%?1.6%?4.6%?13?2022?7000?4300?5?10?400%?P2P?21?API?ISO?PayTo?/?2025?90%?2024?50%?70%?NPCI?New Umbrella Entity?NUE?2022?API?APIGW?2272
10、%11%9%3%1%2%0%1%*?2025*2025*?/?/?/?202144%19%16%15%4%2%1%56%17%8%14%3%1%1%2021?/?/?69%13%8%5%3%1%1%1%?23?2017?2021?26%?2025?20%?UAE?23%?16%?12%?2021?2025?520?1080?2025?70%?24?2021?31.3%?2025?2021?38.7%?2025?45%?2021?12.5%?2025?10.6%?2021?16.3%?2025?2021?13.5%?19.7%?2025?7%?11%?2025?2021?17.3%?2025?2
11、5.6%?PayPal?KongaPay?2025?2021?7.6%?15.5%?2021?18.1%?2025?33%?PayPal?Apple Pay?STC Pay?CASHU?M-PESA?1%?/?2025?3.4%?Spotii?tabby?Tamara?25?2021?6%?/?2021?2%?2022?2025?6%?2021?2%?2025?5%?2021?5%?2025?6%?2021?22%?/?/?2025?5%?2021?2020?2019?70%?2020?51%?2021?44%?63%?20%?2025?31%?/?50%?2021?10?eNaira?Abe
12、r?BIS?Dunbar?2021?20%?2021?38%?12.2%?2025?22%?14%?2021?55%?11.8%?13.6%?13.4%?5.1%?2025?1.4%?/?6.4%?2021?5.4%?26?2021?7?/?2007?1.86?500%?79%?55%?3%?R2P?27?79%?IPO?KYC?PSD2?API?2021?Rapid Payments Platform?28?33%26%16%7%11%1%1%2%2%1%*?2025*2025*?/?/?/?202144%20%12%12%6%5%1%31%22%21%14%6%4%1%2021?/?/?3
13、1%17%16%14%13%3%2%2%2%1%?2930?2021?2021?10%?13%?2025?11%?2.3?2025?11%?5%?2025?15%?8%?2021?37%?2025?42%?2021?50.4%?30.2%?20.6%?21%?13.4%?2025?27.4%?20.2%?2022?2025?42%?2025?5%?19%?2021?29.2%?2022?2025?Apple Pay?Amazon Pay?Google Pay?PayPal?2021?21.8%?2025?24%?Apple Pay?PayPal?2021?1.6%?3.8%?2025?8.5%
14、?2025?7%?Afterpay?Flexiti?Affirm?PayBright?Splitit?2025?9%?1800?Affirm?Afterpay?Klarna?PayPal Credit?Sezzle?Zip?2021?7.8%?2025?6%?2021?2.4%?1.9%?1.1%?0.8%?2025?2021?11%?2020?2021?15%?31?2022?2025?3%?2021?10%?5%?2021?11%?2020?2021?11.4%?2020?11.9%?2025?5.8%?2021?5.7%?2022?2025?3%?2021?7?2025?2021?70%
15、?40.2%?30.3%?2025?36%?34%?Visa?Visa?Interac?97%?2021?10.3%?2025?15%?32?2021?4%?2025?2021?1%?2025?2%?2500?2021?3.7%?2025?3.6%?The Clearing House?RTP?Early Warning Services?Zelle?P2P?FedNow?The Clearing House RTP?2017?57%?RTP?RTP?33?Zelle?Zelle?330?50%?8.4?FedNow?2023?FedNow?110?Faster Payments Counci
16、l?2022?RTR?RTR?API?RTR?3428%33%20%6%9%2%1%0%1%1%36%34%6%15%4%4%2%2025*2025*?20212021?/?/?/?/?/?31%29%21%8%4%2%2%1%1%1%40%30%11%10%4%4%1%35*?2017?2021?22%?2025?19%?/?2021?71%?2025?26%?2025?18%?17%?36?2021?39.3%?2021?44.7%?2021?18.2%?2025?2025?/?2024?2021?3.8%?2025?Boleto Bancrio?Rapipago?2021?7.1%?20
17、25?5.4%?372021?44.7%?2021?19.2%?2025?PayPal?Apple Pay?Google Pay?Mercado Pago?RappiPay?Yape?Tunki?2021?27%?2025?36%?2021?9.7%?2025?9.4%?2021?8.8%?2025?3.8%?2021?16.5%?2025?10%?Pix?2020?11?Pix?Pix?P2P?10.9%?2025?18%?1%?Addi?Atrato?Nelo?2021?2025?98%?2.2%?2021?2020?2021?12%?19%?17%?13%?1%?2025?8%?9%?2
18、025?1?2021?35.6%?6000?2020?2025?24%?2025?2025?38?51.8%?28.4%?23.4%?2025?57%?Visa?Recompra?Visa?35%?34%?7.6%?12.4%?10%?27%?2021?2025?14.7%?2021?/?3.7%?2025?2025?1%?2021?1%?39?27%?2021?2025?140%?200?66%?33%?400?500?Pix?/?P2P?NFC?Pix?50?Pix?Pix?SITRAF?Pix?SITRAF?2020?2021?2021?API?140%?4036%25%18%9%5%2
19、%1%1%0%2%*?2025*2025*?/?/?/?202136%28%23%8%4%1%0%24%32%25%15%4%1%1%2021?/?/?39%19%18%10%7%4%1%1%1%0%?41?4243?2008?2?/?2021?9?2020?7?2021?4?2021?10?2021?PayPal?3?Venmo?Square Cash?/?Bakkt?Visa?FIS?Worldpay?Worldpay?Nabil Manji?CBDC?2021?86%?CBDC?44?2021?7?2100?53?Bank of Japan?NFT?FIS?Aman Cheema?Man
20、ji?/?Manji?45?Cheema?46?47?Worldpay?Phil Pomford?Grab?Gojek?KakaoTalk?Paytm?XX48?Zalo?2020?Tata Group?9?5000?90%?Paytm?PhonePe?PayPal?Square?Cash App?Grab?GrabPay?Gojek?GoPay?2020?85%?Pomford?P2P?49?Amazon?Facebook?PayPal?Square?Walmart?50?51?FIS B2B?Matt Collicoat?6?Collicoat?Collicoat?Collicoat?XX
21、52?Amazon Web Services?API?53?5455?17?2030?8?GPFI?60?3400?Pix?7000?FIS?Martin Boyd?Boyd?XX56?2020?FIS?/?13%?5%?Pennies,?Alison Hutchinson?Hutchinson?10%?GoHenry?Louise Hill?GoHenry?Hill?UNCDF?39?57?Boyd?58?59?20?70?50?/?FIS?2014?Flavors of Fast?14?2020?56?/?UAE?72%?/?FIS?Bernd Richter?2021?7020?4280
22、?2008?790?P2P?FIS?Norm Marraccini?12?18?Marraccini?2021?2021?7?P27?2021?10?EBA Clearing?SWIFT?The Clearing House?IXB?ISO 20022?Fortune?European Payments Initiative,EPI?2022?602021?7020?4280?Richter?Richter?R2P?R2P?R2P?R2P?R2P?FIS?Sri Kothur?Kothur?AI?Marraccini?Richter?61?62?45?63?2021?8%?2%?25%?20%
23、?18%?FIS?Peter Wickes?Wickes?6?/?Wickes?Open Banking Europe?XX64?PSD2?PSD2?Wickes?/?Wickes?SEPA Instant Credit Transfer?SCT Inst?SCT Inst?2021?API?API?65?Faster Payments?Pay UK?New Payments Architecture,NPA?Project 27?P27?2700?Wickes?66?67?2021?2020?71%?2025?26%?37.2%?18.4%?2021?25%?2025?87.5%?2021?
24、2022?2023?2025?23%?2017?Pagos Electronicos Imediatos?2020?12?Transferencias 3.0?Banco Central de la Repblica Argentina?10?5?2023?15?5%?N/A?N/A?Transferencias 3.0?2020?68?2021?15%2021?*-2025?*?26%2021?55%2021?*-2025?*?9%2025?*23%2025?*64%?2020?150?270?2025*420?1390?170?980?90?80?2021*?694%1%1%TARJETA
25、 NARANJACABAL?26%6%VISA?63%?Mercado Pago?Mercado Libre?Mercado Pago?Mercado Libre?34%2021?/?/?26%18%7%5%3%2%1%2%2021?/?/?/?24%24%12%3%3%1%37%*?*?2021?PayPal?2021?25%?2024?10%?Afterpay?Klarna?Zip?76%?2025?/?NPP?100?PayID?700?ID?6?PayTo?NPP 2022?NPP?ISO 20022?200?19.7?13.6?NPP?2018?Pay ID?P2P?P2B?Azup
26、ay?B2B?Monoova?70?2021?6%2021?*-2025?*?11%2021?57%2021?*-2025?*?5%2025?*8%2025?*64%?5%26%24%VISA?8680?7145%?Visa?eftpos?Apple Pay?Google Pay?/?/?26%15%11%9%2%1%1%1%33%1%41%?/?/?/?35%11%7%4%2%1%260?450?2025*710?470?7120?270?200?2021*?*?*?2020?2021?2021?51.8%?2021?34.8%?/?17%?Bancontact?2025?2021?50%?
27、2025?52.8%?2024?10%?2025?14.3%?67%?1?15%?574?API?27.3?2020?N/A?SCT Inst?2019?Payconiq?Bancontact?NFC?Payconiq?72?2021?7%2021?*-2025?*?10%2021?31%2021?*-2025?*?2%2025?*9%2025?*38%?4%1%11%5%BANCONTACT?VISA?7380%?AfterPay?Klarna?Sezzle?2025?14%?0.4%?/?/?17%15%15%9%4%2%1%2%35%50%?/?/?/?19%18%7%3%2%2070?
28、80?2025*1910?40?2021*200?130?120?90?*?*?2020?2021?2021?2021?16%?2021?44.7%?Boleto Bancrio?10%?2018?2021?2024?25%?2021?35%?21.6%?2025?60%?Pix?2020?11?SITRAF?2002?Pix?SITRAF?Pix?1000?680?130?Pix?2020?NFC?API?74?2021?5%2021?*-2025?*?18%2021?57%2021?*-2025?*?9%2025?*7%2025?*65%?1%1%31%18%?VISA?ELO7549%?
29、Pix?1.1?Pix?P2P?/?/?16%14%11%11%1%1%1%1%45%35%?/?/?/?32%22%8%4%10170?280?520?2025*790?410?7340?230?180?2021*?*?*?2020?2021?2021?2021?2025?15%?2021?50.4%?2025?2025?Payments Canada?2022?RTR?Payments Canada?2020?RTR?RTR?N/A?N/A?RTR?2022?76?2021?9%2021?*-2025?*?15%2021?35%2021?*-2025?*?3%2025?*13%2025?*
30、41%?3%33%26%VISA?INTERAC?7739%?2021?2025?3%?/?/?/?22%13%7%3%2%1%1%1%50%49%?/?/?/?29%8%7%6%1%1%2025*1390?810?2021*8940?7810?810?530?570?280?*?*?2020?2021?2021?2019?2021?41.1%?28.1%?2021?10%?2021?11.7%?2018?53.5%?2021?27%?2025?13.1%?2025?6%?11.5%?TEF?10?2021?3?195?N/A?TEF?Transferencias Electrnicas de
31、 Fondos?2008?78?2021?8%2021?*-2025?*?18%2021?50%2021?*-2025?*?8%2025?*11%2025?*59%?1%32%?REDCOMPRA31%VISA?7936%?PayPal?MACH Pay?MACH?Falabella?FPay?/?/?28%12%9%3%3%2%1%1%41%34%?/?/?/?27%24%6%4%4%1%90?130?2025*230?120?60?60?2021*1840?1370?*?*?2020?2021?2021?83%?2020?10%?2021?54%?2021?12%?30%?2022?10%
32、?IBPS?11%?80%?IBPS?API?P2P?P2B?B2P?IBPS?4280?5575?808?2020?IBPS?2010?80?2021?10%2021?*-2025?*?12%2021?69%2021?*-2025?*?7%2025?*11%2025?*75%?8199%?APP?WFOE?/?/?8%4%2%2%83%54%?/?/?/?16%14%10%4%2%25.946?8090?2.458?2025*3.267?2.107?19.522?1.457?6500?2021*?0.5%VISA?0.3%?*?*?2020?2021?2021?2021?2025?9%?14
33、%?2021?34.7%?18.9%?2021?16.5%?13.6%?10.4%?2020?42.4%?25.1%?21.5%?2023?API?Transfiya?Minka?ACH Colombia?11?7?Sedpe?25?5?125?3560?N/A?Transfiya?2019?B2B?82?2021?6%2021?*-2025?*?14%2021?54%2021?*-2025?*?8%2025?*8%2025?*62%?1%1%43%43%1%?VISA?8354%54%?Pagos Seguros en Lnea?PSE?ACH?Rappi?/?/?19%17%14%10%5
34、%1%35%42%?/?/?/?25%22%7%2%1%1%2090?70?110?2025*170?100?1530?60?50?2021*?*?*?2020?2021?2021?Danske Bank?Nordea?Nordea Bank Danmark A/S?26.8%?23.2%?Danske Bank?MobilePay?2022?2025?30%?59%?2021?10%?2025?4%?Straksclearingen?RealTime 24/7?Nets?RealTime 24/7?SEPA?SCT Inst?P27?2022?N/A?16?2.45?Strakscleari
35、ngen?RealTime 24/7?2014?StoreBox?84?2021?20%2021?*-2025?*?10%2021?53%2021?*-2025?*?2%2025?*25%2025?*59%?16%15%DANKORTVISA?8568%?AfterPay?Cashper?Divido?Klarna?ViaBill?2021?50%?11.7%?3.6%?/?/?26%23%12%9%1%1%1%1%27%59%?/?/?/?13%11%10%5%4%170?240?2025*410?280?150?130?2021*1260?1140?*?*?2020?2021?2021?3
36、1.3%?22.6%?10%?2025?2025?32%?2021?60%?79%?2021?6.8%?2025?15.6%?ATM?Automatia?2020?Loomis AB?2017?Siirto?SCT Inst?SCT Inst?SCT Inst?3.5?500?550?SCT Inst?ARPP?SCT Inst?2019?ARPP2017?Siirto?/?Siirto?86?2021?15%2021?*-2025?*?11%2021?40%2021?*-2025?*?4%2025?*19%2025?*45%?44%VISA?8755%?Paytrail?Trustly?Pa
37、yPal?MobilePay?Nordea Wallet?/?/?23%13%13%13%4%2%1%31%63%?/?/?/?16%10%7%3%1%1030?2025*240?160?880?2021*130?90?110?60?*?*?2020?2021?2021?2025?9%?2021?34.9%?16.6%?2025?38.1%?25%?2025?2021?82%?124?EBA Clearing?STET?46%?90%?2%?P2P?B2P?API?2020?N/A?N/A?SCT Inst?2017?Natixis Assurances?Natixis Payments?88
38、?2021?13%2021?*-2025?*?9%2021?28%2021?*-2025?*?3%2025?*16%2025?*36%?10%CARTES BANCAIRES?8984%?2021?4%?2025?9%?2021?10%?2025?6%?/?/?25%17%11%4%3%2%1%2%35%49%?/?/?/?33%9%4%3%2%2025*2021*11080?10030?2110?1500?1360?1090?760?410?1%1%3%?VISA?*?*?2020?2021?2021?2021?13%?15.8%?2022?2025?2021?9.5%?SCT Inst?1
39、250?API?EPI?SCT Inst?P2P?N/A?N/A?SCT Inst?2017?90?2021?11%2021?*-2025?*?9%2021?37%2021?*-2025?*?4%2025?*13%2025?*46%?6%29%28%GIROCARD?VISA?9137%?/?/?20%16%13%13%5%3%1%1%1%29%40%?/?/?/?38%7%5%4%3%2%?12060?2025*1740?1230?10480?2021*940?780?810?450?*?*?2020?2021?2021?2021?42.8%?2025?2024?2025?24.2%?35.
40、7%?2021?2022?10%?FPS?FPS?FPS?FPS?FPS?46.5?618?50?6.4461?6930?1024?FPS?2018?92?2021?10%2021?*-2025?*?10%2021?59%2021?*-2025?*?5%2025?*12%2025?*67%?15%9%4%22%17%?VISA?EPS9334%?EPS?Visa?Apple Pay?O!ePay?PayMe?/?/?33%11%3%3%3%2%1%1%43%55%?/?/?/?24%11%4%3%2%2%100?210?2025*210?130?90?2021*310?2410?1980?*?
41、*?2020?2021?2021?2025?2025?Paytm?PhonePe?Google Pay?Amazon Pay?2023?NPCI?IMPS?UPI?API?WhatsApp?UPI ID?7020?1930?26.4?IMPS?UPI?IMPS?2010?UPI?2016?UPI?/?UPI ID?IPO?UPI?WhatsApp?Google Pay?94?2021?7%2021?*-2025?*?18%2021?58%2021?*-2025?*?7%2025?*10%2025?*64%?2%36%13%VISA?RUPAY9549%?RBI?NPCI?New Umbrell
42、a Entity?NUE?Facebook?Amazon?Alphabet?Paytm?Visa?6?NUE?430?770?2025*620?360?260?2021*1200?10890?8460?/?/?15%13%12%9%3%2%1%45%37%?/?/?/?25%18%18%1%1%*?*?2020?2021?2021?Grab?Gojek?OVO?DOKU?2021?38.8%?2021?2025?2021?51%?2025?BI-FAST?2022?BI-FAST?2025?API?QRIS?N/A?N/A?BI-FAST?2022?96?2021?8%2021?*-2025?
43、*?22%2021?63%2021?*-2025?*?4%2025?*13%2025?*70%?5%1%41%11%?JCB?VISA?GPN9741%?/?/?23%14%10%7%3%2%39%51%?/?/?/?19%12%12%4%2%160?370?2025*150?90?2021*540?240?3540?3010?1%1%*?*?2020?2021?2021?PayPal?Apple Pay?2021?23%?2025?28%?2021?60%?2025?37.7%?23.6%?2023?50%?/?Yippay?STEP2 SCT?SCT Inst?Yippay?IBAN?RT
44、1?SCT Inst?N/A?N/A?SCT Inst?98?2021?10%2021?*-2025?*?10%2021?44%2021?*-2025?*?6%2025?*12%2025?*48%?9%VISA?9991%?2018?2021?42.3%?20.2%?2025?9%?/?/?24%24%6%4%2%2%1%1%38%48%?/?/?/?20%20%6%5%2%1310?2025*180?120?1050?2021*70?90?50?*?*?2020?2021?2021?2025?16%?33.6%?2025?23.9%?2021?7.6%?2021?27.2%?2025?20%
45、?2021?10%?2025?/?SEPA?RT1?TIPS?SCT Inst?2020?272?API?TIPS?SIA?Jiffy?RT1?TIPS?SEPA Credit Transfers?P2P?P2B?EBA Clearing?Banca Sella?N/A?N/A?SCT Inst?2017?100?2021?7%2021?*-2025?*?16%2021?58%2021?*-2025?*?4%2025?*10%2025?*61%?1%35%25%?VISA?BANCOMAT10139%?Nexi?PostePay?10%?2025?/?/?24%11%11%8%4%4%2%2%
46、2%34%33%?/?/?/?27%12%10%10%8%7970?330?520?2025*850?470?6760?270?200?2021*?*?*?2020?2021?2021?2021?58.3%?2021?12.4%?2025?2021?50%?2025?PayPay?Zengin?Zengin?Next-Generation Payment Systems?2022?Zengin?API?APIGW?446?8.4?783?Zengin?1973?Zengin?EDI?102?2021?11%2021?*-2025?*?6%2021?32%2021?*-2025?*?2%2025
47、?*12%2025?*37%?5%4%1%32%20%VISA?J-DEBIT?JCB?10338%?2021?5?Payment Services Act?/?/?12%9%6%5%3%3%1%1%58%50%?/?/?/?32%9%3%3%3%1%2025*2021*2720?2170?1730?1490?990?680?20140?18410?*?*?2020?2021?2021?2025?18%?29.8%?2025?10%?2021?39.4%?2025?15.1%?2019?PayNet?800%?2025?16%?DuitNow?PayNet?2021?DuitNow Auto-
48、Debit?2022-23?N/A?N/A?RPP?2019?R2P?2022?104?2021?5%2021?*-2025?*?18%2021?63%2021?*-2025?*?7%2025?*7%2025?*68%?1%41%4%VISA?MYDEBIT?10555%?2025?10%?Atome?Hoolah?myIOU?Grab?PayLater?Pine Labs?/?/?19%16%12%9%8%4%1%1%30%39%?/?/?/?27%15%13%4%1%1%40?100?2025*140?70?50?30?2021*1930?1500?*?*?2020?2021?2021?3
49、4.6%?19.3%?2025?PayPal?BBVA Wallet?Mercado Pago?2021?26.9%?2024?2025?2021?41.3%?29%?2021?7.4%?2025?15.2%?Banco de Mxico?CoDi?2004?SPEI?CoDi?P2P?P2B?B2B?B2P?60%?SPEI?CoDi?420?SPEA?CoDi?7584?356?SPEA?CoDi?SPEI?Sistema de Pagos Electronicos Interbancarios?CoDi?Cobra Digital?SPEI?2004?CoDi?2019?SPEI?Mxi
50、co?SPEI?CoDi?NFC?106?2021?6%2021?*-2025?*?17%2021?56%2021?*-2025?*?6%2025?*9%2025?*65%?1%34%4%VISA?10761%?Atrato?Graviti?Kueski Pay?Jifiti?Sezzle?2025?4%?/?/?27%19%8%6%3%1%35%41%?/?/?/?24%22%7%4%1%6700?220?410?2025*630?340?5250?190?150?2021*?*?*?2020?2021?2021?2021?60%?iDEAL?2025?16.9%?9.2%?60.8%?12