可變定期支付：英國支付生態系統已為下一階段的開放銀行做好準備

2024 年 10 月發布的第四版 Token.io 和開放銀行博覽會可變經常性支付和支付行業的未來調查報告為支付對話做出了進一步貢獻。

Payments have been in the spotlight in the UK in recent weeks and months – and for good reason.

最近幾週和幾個月，支付在英國成為人們關注的焦點——這是有充分理由的。

The UK is widely regarded as an Open Banking trailblazer, having provided the blueprint for Open Banking when it was rolled out in 2018. However, when it comes to payments, the UK has more of a reputation as a laggard than a leader. This is largely because instant payment schemes, such as Pix in Brazil and India’s UPI, have witnessed enormous growth and widespread adoption in just a few years.

英國被廣泛認為是開放銀行業務的開拓者，在 2018 年推出開放銀行業務時為其提供了藍圖。這主要是因為即時支付方案（例如巴西的 Pix 和印度的 UPI）在短短幾年內就出現了巨大的成長和廣泛採用。

At Open Banking Expo UK & Europe in London on 15-16 October, the Payments Stage hosted sessions during which payments leaders discussed how the full potential of Open Banking payments can be realised in the UK and considered the path to payments modernisation.

在10 月15 日至16 日於倫敦舉行的英國和歐洲開放銀行博覽會上，支付舞台舉辦了會議，會議期間支付領導者討論瞭如何在英國充分發揮開放銀行支付的潛力，並考慮了支付現代化的路徑。

الاتصال Delivering a truly commercial model for variable recurring payments (VRPs) – one that incentivises all participants and players – was the focus of one panel debate on the Main Stage, but it was a topic that came up repeatedly across the two-day Expo. There were explicit calls for action, alongside clear recognition of the need for industry stakeholders, regulators, and banks to work together to ensure Open Banking-enabled payments become a mainstream method.

為可變經常性支付（VRP）提供真正的商業模式——一種激勵所有參與者和玩家的模式——是主舞台上一場小組辯論的焦點，但這個話題在為期兩天的世博會中反复出現。人們明確呼籲採取行動，同時明確認識到行業利益相關者、監管機構和銀行需要共同努力，以確保開放銀行支持的支付成為主流方式。

VRP survey – findings revealed

VRP 調查—調查結果揭曉

The fourth edition of the Token.io and Open Banking Expo Variable Recurring Payments and Future of Payments industry survey report, published in October 2024, has contributed further to the payments conversation.

2024 年 10 月發布的第四版 Token.io 和開放銀行博覽會可變經常性支付和支付行業的未來調查報告為支付對話做出了進一步貢獻。

The survey was conducted among more than 100 senior leaders across UK and European banks, merchants, PSPs, and TPPs to gauge their readiness for and attitudes towards commercial VRPs (cVRPs) in the UK and dynamic recurring payments (DRP) in Europe.

該調查針對英國和歐洲銀行、商家、PSP 和 TPP 的 100 多名高級領導人進行，旨在評估他們對英國商業 VRP (cVRP) 和歐洲動態定期支付 (DRP) 的準備和態度。

To provide some context, since our last industry survey with our friends at account-to-account payment infrastructure provider Token.io, a commercial VRP pilot was expected to have been rolled out as part of the next phase of Open Banking in the UK.

為了提供一些背景信息，自從我們上次與帳戶間支付基礎設施提供商 Token.io 的朋友進行行業調查以來，預計將推出商業 VRP 試點，作為英國開放銀行下一階段的一部分。

So, how is the ecosystem feeling towards cVRP and DRP?

那麼，生態系對 cVRP 和 DRP 的感受如何呢？

الاتصال Despite the lack of progress, the findings indicate that, when it comes to VRP and DRP, payment service providers (PSPs), banks, and merchants are largely positive and recognise the benefits to be gained from implementing cVRPs.

儘管缺乏進展，調查結果表明，在 VRP 和 DRP 方面，支付服務提供者 (PSP)、銀行和商家基本上持積極態度，並認識到實施 cVRP 所帶來的好處。

The majority of banks surveyed, at 79%, believe cVRP will be beneficial to the overall UK payments ecosystem.

大多數受調查的銀行（79%）認為 cVRP 將有利於整個英國支付生態系統。

Meanwhile, both UK and European PSPs and third-party providers (TPPs) recognise the importance of cVRPs in driving greater merchant adoption of A2A payments, with 97% describing cVRPs as ‘important’, and 28% and 33%, respectively, as ‘extremely important’.

同時，英國和歐洲的PSP 和第三方提供者(TPP) 都認識到cVRP 在推動更多商家採用A2A 支付方面的重要性，97% 的受訪者將cVRP 描述為“重要”，分別有28% 和33% 的受訪者將cVRP 描述為「重要」。

That’s because cVRP and DRP are expected to generate higher success rates and deliver better user experiences versus traditional recurring payment methods. When asked which payment method has the greatest ‘ability or potential’ to provide the best user experience, 59% of those surveyed said cVRP/DRP, above card on file (23%), and direct debit (18%).

這是因為與傳統的定期支付方式相比，cVRP 和 DRP 預計將產生更高的成功率並提供更好的使用者體驗。當被問及哪種支付方式最有「能力或潛力」來提供最佳用戶體驗時，59% 的受訪者表示cVRP/DRP、上述銀行卡存檔(23%) 和直接扣款(18%) 。

It's that ‘frictionless’ user experience that is expected to drive the greatest end-user adoption of VRPs, cVRPs, and DRPs, according to the survey findings. This is not unique to the latest industry survey, as our 2022 and 2023 industry surveys also put frictionless user experience as the top potential driver of adoption.

調查結果顯示，正是這種「無摩擦」的使用者體驗可望推動 VRP、cVRP 和 DRP 的最終用戶最大程度地採用。這並不是最新的行業調查所獨有的，因為我們的 2022 年和 2023 年行業調查也將流暢的用戶體驗視為採用的最大潛在驅動力。

The ability to view and control recurring payments emerged as the second single aspect most likely to drive adoption.

查看和控制定期付款的能力成為最有可能推動採用的第二個面向。

Barriers to adoption?

收養障礙？

Of the merchants surveyed, 57% plan to convert card payments to cVRPs, the report revealed, motivated by factors such as lower processing fees and avoidance of chargebacks.

報告顯示，在受訪的商家中，57% 的商家計劃將卡片支付轉換為 cVRP，原因是較低的處理費用和避免退款等因素。

However, only 29% of merchants plan to convert direct debit to cVRP. Those who do intend to seek to convert this recurring payment type cite faster settlement times and reliability, among other factors.

然而，只有 29% 的商家計畫將直接扣款轉換為 cVRP。那些確實打算尋求轉換這種定期付款類型的人會提到更快的結算時間和可靠性等因素。

With several potential use cases for cVRPs, our survey sought to establish a realistic timeline.

透過 cVRP 的幾個潛在用例，我們的調查試圖建立一個現實的時間表。

Half of banks expect to support cVRPs for low-risk use cases, such as government payments, utilities, and financial services, by the end of 2025. More than one-third of banks surveyed expect to support cVRPs for ecommerce use cases by the end of next year.

一半的銀行預計在 2025 年底支援低風險用例的 cVRP，例如政府支付、公用事業和金融服務。

However, survey participants voiced concerns about what they view as a lack of bank support – in fact, this was the most common concern to emerge (53%), ahead of consumers’ willingness to adopt (49%), lack of a consumer protection framework (49%), and a viable commercial model (46%).

然而，調查參與者對他們認為缺乏銀行支持表示擔憂——事實上，這是最常見的擔憂 (53%)，其次是消費者採用意願 (49%)、缺乏消費者保護框架（49%）和可行的商業模式（46%）。

الاتصال

接觸

Charles Damen, chief product officer at Token.io, agrees that ‘broad bank adoption is needed to establish the reach that will be critical for the uptake of cVR

Token.io 首席產品長 Charles Damen 同意“需要廣泛的銀行採用來建立對 cVR 的採用至關重要的影響力”