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Current Wholesale Payments Landscape In Banking (Market Focus)

Published by: Datamonitor

Published: Nov. 10, 2006 - 11 Pages


Table of Contents


DATAMONITOR VIEW
CATALYST
SUMMARY


ANALYSIS
Payments processing is moving at different speeds in Europe and North America
The external environment - clearing and settlement systems in Europe and North America
Real-time gross settlement (RTGS)
Deferred net settlement systems (DNS)
Automated Clearing Houses (ACH)
The wholesale payments market is still comprised of highly fragmented systems
Domestic payments require the debiting/crediting of accounts in the same currency
Cross-border payments are increasingly becoming 'domestic' transactions inside the EU
Falling margins and regulations are increasing pressure on banks to improve efficiency
Product innovation is critical if banks are to remain competitive
Recent and ongoing changes in the external payments infrastructure are creating more opportunity for banks

APPENDIX
Definitions
EURO1
STEP1 / STEP2
SWIFT
TARGET / TARGET2
TWIST
METHODOLOGY
Further reading
Ask the analyst


List of Figures
Figure 1: Segmenting wholesale payments processing
Figure 2: Fragmentation of processing platforms in banks

Abstract

Introduction

As payments margins continue to be squeezed and wholesale payments products and services continue their trend of commoditization, this industry is currently faced with the issue of finding innovative ways of remaining profitable in such a highly competitive environment.

Scope
  • Payments processing is moving at different speeds in Europe and North America.
  • The wholesale payments market is still comprised of highly fragmented systems.
  • Falling margins and regulations are increasing pressure on banks to improve efficiency.
Highlights

Payments have been the 'problem child' in wholesale banking for some time. The significant cost burden of payments functions, combined with increasing commoditization of related products and declining margins, have gradually changed the status of payments within banks.

Once the foundation of the wholesale banking industry, payments are now in the position of being viewed as still essential, yet at the same time a weight on overall profitability.

This circumstance, together with the now strengthened focus on achieving long-term operational efficiency and improved profitability in the wholesale banking industry, has in recent years given rise to targeted efforts to address and re-engineer payment operations globally.

Reasons to Purchase
  • Vendors can view the wholesale payments marketplace from a top-level perspective.
  • Vendors can view and understand what key issues this industry is faced with at present.


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