| 词条 | Instant payment |
| 释义 |
Instant payment is a new way to exchange money and purchase services in seconds. Compared with wire transfers they allow the transfer of money from the payer bank account to the payee bank account almost immediately, instead of requiring few business days. These payment systems have been developed (and are currently under development) worldwide as the need of faster and reliable transaction is the new economy common requirement. The Euro Retail Payments Board (ERPB) has provided a widely accepted definition of instant payments, that are: "electronic retail payment solutions available 24/7/365 and resulting in the immediate or close-to-immediate interbank clearing of the transaction and crediting of the payee’s account with confirmation to the payer (within seconds of payment initiation)." [1] BackgroundThe growth of e-commerce has caused changes in people's spending patterns. Shopping is no longer confined to regular business hours, creating a new challenges for funds transfers.[2] Similarly, merchants require faster and more reliable money transfer systems to keep up with consumer demand.[3] Traditional electronic payments like wire transfers, that perform the electronic funds transfer within few business days, are not in line with user expectations. It is predicted{{By whom|date=September 2018}} that in the next year instant payments will become the standard for electronic fund transfers.[4] Examples of instant payment servicesA non-exhaustive list of systems available today, and in the near future, is the following:[5]
Comparison with digital walletsIn digital wallet based payment systems like Paytm, PayPal, Apple Pay, AliPay, WeChat Pay etc. users receive immediate notification of the transaction, but funds are transferred at best in the next business day. The settlement time depends on the underpinning payment method chosen by the customer, while for instant payment systems, the funds are transferred within seconds or minutes. See also
External links
References1. ^{{cite web |url=https://www.ecb.europa.eu/paym/retpaym/instant/html/index.en.html |title=Instant payments definition |publisher=European Central Bank |year=2017 |website=www.ecb.europa.eu |access-date=September 8, 2018}} 2. ^{{cite web |url=https://www.bancaditalia.it/pubblicazioni/interventi-governatore/integov2017/Visco_30112017.pdf |title=Digital transformation of the retail payments ecosystem|page=3 |publisher=Banca d'Italia |date=November 30, 2017 |website=www.bancaditalia.it |access-date=September 2, 2018}} 3. ^{{cite web |url=https://www.instapay.today/instant-payments/ |title=What are instant payments? |publisher=InstaPay |year=2018 |website=www.instapay.today |access-date=September 2, 2018}} 4. ^{{cite web |url=https://insights.nordea.com/instant-payments-are-future-heres-why |title=Instant payments are the future - here’s why |publisher=Nordea |year=2018 |website=insights.nordea.com |access-date=September 2, 2018}} 5. ^{{cite web|url=https://www.instapay.today/tracker/|title=Instapay Tracker|year=2018|website=www.instapay.today|publisher=InstaPay|access-date=September 2, 2018}} 6. ^{{cite web|url=https://www.zengin-net.jp/en/zengin_net/zengin_system/|title=Zenging system|date=2012|website=www.zengin-net.jp|publisher=Japanese Bank’s Payment Clearing Network|access-date=September 2, 2018}} 7. ^{{cite web|url=https://www.bis.org/cpmi/publ/d105_cn.pdf|title=Payment, clearing and settlement systems in China|year=2012|website=www.bis.org|publisher=Bank for International Settlements|page=24|access-date=September 2, 2018}} 8. ^{{cite web|url=https://www.onlinesbi.com/sbijava/imps_faq.html|title=Immediate Payment Service - Frequently Asked Questions|website=www.onlinesbi.com|publisher=State Bank of India|access-date=September 2, 2018}} 9. ^{{cite web|url=https://www.zellepay.com/|title=Introducing Zelle|year=2018|website=www.zellepay.com|publisher=Early Warning Services LLC|access-date=September 2, 2018}} 10. ^{{cite web|url=https://venmo.com/|title=Send money and make purchases at approved merchants|year=2018|website=venmo.com|publisher=Venmo|access-date=September 8, 2018}} 11. ^{{cite web|url=https://www.theclearinghouse.org/payment-systems/~/link.aspx?_id=E184253EB0CE475E8D485D9FCCBB05E4&_z=z|title=RTP|year=2018|website=www.theclearinghouse.org|publisher=The Clearing House - RTP|access-date=September 2, 2018}} 12. ^{{cite web|url=https://www.ebaclearing.eu/services/instant-payments/introduction/|title=EBA CLEARING's instant payment activities|year=2017|website=www.ebaclearing.eu|publisher=EBA Clearing|access-date=September 2, 2018}} 13. ^{{cite web|url=https://www.ecb.europa.eu/paym/initiatives/shared/docs/d8dd9-ami-pay-_20170209_item07b_presentation_on_tips.pdf|title=TARGET Instant Payments Settlement|date=February 9, 2017|website=www.ecb.europa.eu|publisher=European Centeal Bank|access-date=September 2, 2018}} 14. ^{{cite web|url=https://www.ecb.europa.eu/paym/intro/events/shared/pdf/fs06/target_instant_payments_settlement_tips.pdf|title=TARGET Instant Payment Settlement|author=Karen Birkel|author2=Lorenzo Giammò|date=December 13, 2017|website=www.ecb.europa.eu|publisher=European Central Bank|access-date=September 2, 2018}} 15. ^{{cite web|url=https://www.rba.gov.au/payments-and-infrastructure/new-payments-platform/|title=New Payments Platform|year=2018|website=www.rba.gov.au|publisher=reserve Bank of Australia|access-date=September 2, 2018}} 3 : Securities clearing and depository institutions|Payment networks|Payment systems |
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