2024-银行支付的兴起：商家如何降低成本并增加收入-Lipis Advisors-15页

xAnalyst ReportOasis RentalsPayment issuedPay by bankCredit/Debit cardPay nowPay by bankCredit/Debit cardPay now1The rise of pay by bank: How merchants canreduce costs and grow revenueExecutive summary●Our analysis indicates that pay by bank (PBB) solutions in the US are likely to meetconsiderable demand driven by increasing consumer willingness to try new paymentmethods and merchant demand for cost-effective alternatives to card payments.●PBB solutions are increasingly serving high-impact use cases such as e-commerce andbill pay. The ongoing shift away from revolving credit towards debit andaccount-to-account products, plus the potential cost savings make PBB even moreattractive to consumers and merchants.●Successful PBB implementation requires aligning functionality with consumer needs,forging partnerships with banks and payment processors, and promoting theadvantages of PBB to both merchants and consumers. Ecosystem players need toassess their own capabilities and consider partnering with service providers to fill anygaps in their offerings to consumers and merchants.●Merchants will increasingly need to embrace alternative payment methods like PBB dueto changes in consumer preferences. This provides merchants with the opportunity toadapt to changing demands and capitalize on emerging trends.●Collaboration with payment service providers enables merchants to navigate theevolving payment landscape, tailor solutions to customer preferences, and maximizebenefits from modernization efforts.IntroductionElectronic payment methods are continuing to grow in importance. The shift from credit- todebit-based payments has accelerated the continued decline of cash and broughtaccount-based solutions to the fore; the United Kingdom and the United States are primeexamples of this phenomenon. Alternatives such as pay by bank (PBB) are gaining inpopularity, fueled by the combination of instant and ACH payments and open banking.Definition of pay by bankPay by bank (PBB) is a direct payment from a customer's bank account to a business’sbank account without using a payment card. One example of a typical payment flow is asfollows: a customer chooses PBB as the preferred payment option at checkout (1) and thensecurely makes a connection to their bank account through an open banking paymentsnetwork like Plaid and authorizes the payment (2). Once the payment is processed (3)(4),the merchant receives the funds (5).© 2024, Lipis Advisors GmbH. All right reserved. Proprietary and confidential.2Figure 1: US model PBB transaction flowSource: Lipis Advisors summary of transaction flow using standard ACH rails. Note that Same Day ACH or instantpayments are even faster for steps 3, 4, and 5.Figure 2: iDeal simplified transaction flowSource: Lipis Advisors summary of transaction flowA more concrete example is that of iDeal in the Netherlands (see Figure 2 above). Thecustomer selects iDeal as their p...