可变定期支付：英国支付生态系统已为下一阶段的开放银行做好准备

2024 年 10 月发布的第四版 Token.io 和开放银行博览会可变经常性支付和支付行业的未来调查报告为支付对话做出了进一步贡献。

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

最近几周和几个月，支付在英国成为人们关注的焦点——这是有充分理由的。

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.

英国被广泛认为是开放银行业务的开拓者，在 2018 年推出开放银行业务时为其提供了蓝图。然而，在支付方面，英国更多地被认为是落后者而不是领导者。这主要是因为即时支付方案（例如巴西的 Pix 和印度的 UPI）在短短几年内就出现了巨大的增长和广泛采用。

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 日于伦敦举行的英国和欧洲开放银行博览会上，支付舞台举办了会议，会议期间支付领导者讨论了如何在英国充分发挥开放银行支付的潜力，并考虑了支付现代化的路径。

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.

为可变经常性支付（VRP）提供真正的商业模式——一种激励所有参与者和玩家的模式——是主舞台上一场小组辩论的焦点，但这个话题在为期两天的世博会中反复出现。人们明确呼吁采取行动，同时明确认识到行业利益相关者、监管机构和银行需要共同努力，以确保开放银行支持的支付成为主流方式。

VRP survey – findings revealed

VRP 调查——调查结果揭晓

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 月发布的第四版 Token.io 和开放银行博览会可变经常性支付和支付行业的未来调查报告为支付对话做出了进一步贡献。

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.

该调查针对英国和欧洲银行、商家、PSP 和 TPP 的 100 多名高级领导人进行，旨在评估他们对英国商业 VRP (cVRP) 和欧洲动态定期支付 (DRP) 的准备情况和态度。

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.

为了提供一些背景信息，自从我们上次与账户间支付基础设施提供商 Token.io 的朋友进行行业调查以来，预计将推出商业 VRP 试点，作为英国开放银行下一阶段的一部分。

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

那么，生态系统对 cVRP 和 DRP 的感受如何？

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.

尽管缺乏进展，调查结果表明，在 VRP 和 DRP 方面，支付服务提供商 (PSP)、银行和商户基本上持积极态度，并认识到实施 cVRP 所带来的好处。

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

大多数接受调查的银行（79%）认为 cVRP 将有利于整个英国支付生态系统。

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’.

与此同时，英国和欧洲的 PSP 和第三方提供商 (TPP) 都认识到 cVRP 在推动更多商户采用 A2A 支付方面的重要性，97% 的受访者将 cVRP 描述为“重要”，分别有 28% 和 33% 的受访者将 cVRP 描述为“重要”。极其重要”。

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%).

这是因为与传统的定期支付方式相比，cVRP 和 DRP 预计将产生更高的成功率并提供更好的用户体验。当被问及哪种支付方式最有“能力或潜力”来提供最佳用户体验时，59% 的受访者表示 cVRP/DRP、上述银行卡存档 (23%) 和直接借记 (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.

调查结果显示，正是这种“无摩擦”的用户体验有望推动 VRP、cVRP 和 DRP 的最终用户最大程度地采用。这并不是最新的行业调查所独有的，因为我们的 2022 年和 2023 年行业调查也将流畅的用户体验视为采用的最大潜在驱动力。

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为最有可能推动采用的第二个方面。

Barriers to adoption?

收养障碍？

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.

报告显示，在接受调查的商户中，57% 的商户计划将卡支付转换为 cVRP，原因是较低的处理费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% 的商户计划将直接借记转换为 cVRP。那些确实打算寻求转换这种定期付款类型的人会提到更快的结算时间和可靠性等因素。

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

通过 cVRP 的几个潜在用例，我们的调查试图建立一个现实的时间表。

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.

一半的银行预计到 2025 年底支持低风险用例的 cVRP，例如政府支付、公用事业和金融服务。超过三分之一的受访银行预计到年底支持电子商务用例的 cVRP明年的。

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，调查参与者对他们认为缺乏银行支持表示担忧——事实上，这是最常见的担忧 (53%)，其次是消费者采用意愿 (49%)、缺乏消费者保护框架（49%）和可行的商业模式（46%）。

الاتصال

接触

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 首席产品官 Charles Damen 同意“需要广泛的银行采用来建立对 cVR 的采用至关重要的影响力”