2023跨境电商支付研究报告：跨境支付机构如何提供差异化服务
2023跨境电商支付研究报告：跨境支付机构如何提供差异化服务
2023 Cross-Border E-commerce Payment Research Report: How Payment Institutions Provide Differentiated Services
随着全球经济一体化的推进，跨境出口电商行业蓬勃发展，交易规模持续扩大。跨境支付已从简单的交易工具转变为提升收益、降低成本的关键手段。
With the advancement of global economic integration, the cross-border e-commerce export industry is booming with continuously expanding transaction scale. Cross-border payments have evolved from simple transaction tools to key means of increasing revenue and reducing costs.
01 跨境电商规模扩大驱动支付行业发展
01 E-commerce Expansion Drives Payment Industry Growth
海关数据显示，2023年前9个月跨境电商出口额达1.7万亿元，同比增长17.7%。跨境电商已成为发展最快、潜力最大的新兴业态。
Customs data shows that cross-border e-commerce exports reached 1.7 trillion yuan in the first nine months of 2023, a year-on-year increase of 17.7%. Cross-border e-commerce has become the fastest-growing and most potential emerging business format.
政府政策支持和技术创新推动支付行业高速增长。移动支付等技术为跨境电商提供更高效的支付解决方案。
Government policy support and technological innovation have driven rapid growth in the payment industry. Technologies like mobile payments provide more efficient payment solutions for cross-border e-commerce.
02 商家出海面临的支付挑战
02 Payment Challenges for Overseas Expansion
调研显示：
• 41.5%商家面临汇率波动问题
• 超30%企业认为费率过高和到账慢是主要痛点
Research shows:
• 41.5% merchants face exchange rate fluctuations
• Over 30% companies consider high fees and slow settlement as main pain points
03 支付平台优化升级趋势
03 Payment Platform Optimization Trends
近50%出海商家最看重"品牌信誉"和"金融牌照"，合规经营对决策影响显著。
Nearly 50% of overseas merchants value "brand reputation" and "financial licenses" the most, with compliance operations significantly impacting decisions.
04 解决方案：万里汇的创新服务
04 Solution: WorldFirst's Innovative Services
万里汇(WorldFirst)作为蚂蚁集团旗下品牌，提供：
• 一站式数字支付结算服务
• 支持近40个国家地区本地开户
• 开放API平台集成实现自动化管理
WorldFirst, as an Ant Group brand, provides:
• One-stop digital payment settlement services
• Local account opening in nearly 40 countries/regions
• Open API platform integration for automated management
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