印度印度儲備銀行報導說

印度儲備銀行（RBI）報告說，“紙牌的令牌化”在兩年內已廣泛採用消費者

The Reserve Bank of India (RBI) has reported widespread adoption of “tokenization of cards” among consumers within two years, with over 91 crore (910 million) card-on-file tokens created as of December 31, 2024.

印度儲備銀行（RBI）報告說，在兩年內，消費者中廣泛採用了“紙牌的令牌”，截至2024年12月31日，創建了超過91億（9.1億）紙牌紙牌代幣。

In its latest Payment System Report, released on January 27, the RBI highlighted that tokenization involves replacing actual card details with a unique code, called a “token,” which serves as an identifier for the customer’s card, enabling transactions to be processed. This token is specific to each device (device tokenization) or merchant (card-on-file tokenization), ensuring merchants do not store customers’ actual card information. The process also helps protect card details in the event of a security breach.

印度儲備銀行在其最新的付款系統報告中強調，令牌化涉及用唯一的代碼替換實際的卡詳細信息，稱為“令牌”，該代碼可作為客戶卡的標識符，從而可以處理交易。該令牌是特定於每個設備（設備令牌化）或商家（紙牌標記化）的特定特定的，可確保商家不會存儲客戶的實際卡信息。該過程還有助於在安全漏洞的情況下保護卡詳細信息。

The RBI authorized device tokenization in January 2019 and card-on-file tokenization (CoFT) in September 2021. Since then, tokenization has seen rapid adoption, with over 91 crore (910 million) tokens issued by December 2024. These tokens have facilitated more than 320 crore (3.2 billion) transactions.

印度儲備銀行將於2019年1月授權的設備令牌化和2021年9月的紙牌令牌化（COFT）。此後，Tokenization迅速採用了迅速的採用，到2024年12月發行的91千萬（ 9.1億）代幣。超過32億（32億）交易。

RBI’s report states that using tokens for e-commerce transactions has eliminated the need for merchants and payment aggregators to store card data, resulting in almost 98% of e-commerce transactions being processed without using actual card details.

印度儲備銀行的報告指出，將代幣用於電子商務交易已經消除了對商家和付款匯總者存儲卡數據的需求，從而在不使用實際卡詳細信息的情況下處理了幾乎98％的電子商務交易。

Building on the success of tokenization, several new features have been introduced to enhance customer convenience. These improvements allow customers to simultaneously tokenize their cards across multiple leading merchants with their consent.

在令牌化成功的基礎上，引入了一些新功能，以增強客戶的便利性。這些改進使客戶可以同意同意在多個領先的商人中同時將其卡片化。

“Over the past few years, digital payments in India have witnessed a phenomenal growth buoyed by the spectacular progress of Unified Payments Interface (UPI) and the plethora of digital payment options available,” T. Rabi Sankar, Deputy Governor of RBI, said in the foreword of the Payment System Report.

“在過去的幾年中，印度的數字付款見證了統一支付界面（UPI）的壯觀進步（UPI）和大量數字支付方案的驚人進步，” RBI副州長T. Rabi Sankar在付款系統報告的前言。

Digital payments in India have experienced a five-year compound annual growth rate (CAGR) of 45.9% in volume and 10.2% in value. Specifically, UPI saw a CAGR of 74% in volume and 68.14% in value from 2019 to 2024.

印度的數字支付經歷了五年復合年增長率（CAGR）的數量為45.9％，價值為10.2％。具體而言，UPI的複合年增長率為74％，從2019年到2024年，價值為68.14％。

“Retail digital payments in India have grown from 162 crore (1.6 billion) transactions in the financial year 2012-13 to over 16,416 crore transactions in the financial year 2023-24 [which is] approximately 100-fold increase over 12 years. The remarkable growth in payment infrastructure and payment performance is also apparent in the Digital Payment Index published by RBI, which has witnessed more than four-fold rise in the last six years,” Sankar pointed out.

“印度的零售數字付款已從2012-13財年的162億（16億）交易增長到2023 - 24財政年度的1641.6億以上交易[在12年內增長了約100倍。桑卡爾指出，在過去六年中，付款基礎設施和付款績效的顯著增長也顯而易見。

In the evolution of the payments ecosystem, the RBI has placed equal emphasis on ensuring its safety and security, as well as safeguarding consumers, Sankar said. Measures like two-factor authentication for payment security have been encouraged, even though such practices are not yet mandatory in many developed countries.

Sankar說，在付款生態系統的發展中，印度儲備銀行對確保其安全性和保障以及保護消費者的安全性同等重要。即使在許多發達國家中尚未強制執行此類實踐，也鼓勵了兩因素身份驗證的措施。

Cross-border payments still expensive, slow

跨境支付仍然昂貴，很慢

While domestic payment systems have become cheap and fast, cross-border payments remain expensive and slow.

雖然國內支付系統變得便宜且快速，但跨境支付仍然昂貴且緩慢。

“The Reserve Bank is focusing on interlinking the fast payment systems (FPS) with that of other countries to offer a seamless and less-costly cross-border payment experience,” Sankar stated.

桑卡爾說：“儲備銀行正在關注與其他國家的快速支付系統（FPS）相互聯繫，以提供無縫且成本較低的跨境支付體驗。”

This mechanism and methodology of addressing the challenges in enhancing cross-border payments—such as high cost, low speed, limited access and limited transparency—has also been recognized by the international standard-setting bodies, like the Financial Stability Board (FSB), Committee on Payments and Market Infrastructures (CPMI), and others.

這種解決跨境支付挑戰的機制和方法論（例如高成本，低速，有限的訪問和有限的透明度）也得到了國際標准設定的機構的認可，例如金融穩定委員會（FSB），支付和市場基礎設施委員會（CPMI）等。

“The Unified Payments Interface (UPI) of India and PayNow of Singapore were interlinked through extensive collaboration between the RBI and Monetary Authority of Singapore. Recent data shows that the cost of sending a remittance has come down noticeably,” Sankar added.

“印度的統一支付界面（UPI）和新加坡的付款方式通過印度儲備銀行與新加坡貨幣管理局之間的廣泛合作而相互聯繫。最近的數據表明，發送匯款的成本明顯下降了。” Sankar補充說。

Additionally, the RBI has become part of Project Nexus, a global initiative to facilitate instant cross-border retail payments by connecting domestic fast payment systems across various countries. Payments to merchants through Indian UPI apps using QR codes have been enabled in countries such as Bhutan, France, Mauritius, Nepal, Singapore, Sri Lanka, and the UAE.

此外，印度儲備銀行已成為Project Nexus的一部分，這是一項全球倡議，旨在通過連接各個國家的國內快速支付系統來促進即時跨境零售。在不丹，法國，毛里求斯，尼泊爾，尼泊爾，新加坡，斯里蘭卡和阿聯酋等國家，已經通過印度UPI應用程序向商人付款。

According to World Bank data cited in its report, the RBI stated that India continues to be the leading recipient of global foreign remittances, receiving a record $129 billion in 2024 (estimated), nearly twice as much as Mexico, which came second with $68 billion. This highlights India’s prominent role in the global remittance market, primarily supported by its extensive diaspora, which contributes significantly to foreign exchange reserves and economic stability.

根據報告中引用的世界銀行數據，印度儲備銀行表示，印度仍然是全球外國匯款的領先接受者，在2024年獲得了創紀錄的1290億美元（估計），幾乎是墨西哥的兩倍，第二名是680億美元。這凸顯了印度在全球匯款市場中的重要作用，主要由其廣泛的僑民支持，這對外匯儲備和經濟穩定產生了重大貢獻。

Regarding remittance outflows, the United States remains the top sender globally, with $93 billion sent in 2023, far surpassing other countries such as Saudi Arabia and

關於匯款的流出，美國仍然是全球最高的發送者，2023年派遣了930億美元，遠遠超過了其他國家，例如沙特阿拉伯和