- What is the share of daily Real-Time Payments via the Bankgirot System in Sweden? - What are the top reasons for using real-time payments for corporate decision-makers in the USA? - What is the expected volume of real-time transactions in South Korea in 2024? - How has the monthly value of Faster Payments in the UK changed during the COVID-19 crisis? - How did the payments via the real-time gross settlement system change during the COVID-19 in Chile? Full Report Link: https://bit.ly/3s1vUjr

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4. 4
DEFINITIONS
 COVID-19 / CORONAVIRUS
An infectious disease triggered by an intense acute respiratory sickness. COVID-19 was first identified at the end
of 2019 in Wuhan, China, and spread worldwide, becoming known as the coronavirus pandemic.
 B2C E-COMMERCE
the sale of products (and services) through electronic transactions via the Internet from businesses to consumers
(B2C). A broader definition of retail E-Commerce applied by some sources also includes consumer-to-consumer
(C2C) sales.
 E-COMMERCE SALES
the total sales generated either on the E-Commerce market in a certain country or region, or the total sales
generated through E-Commerce by a player on the market.
 ONLINE SHOPPERS the total number of inhabitants in a certain country or region that participates in B2C E-Commerce.
 ONLINE TRAVEL
the sale of goods (and services) directly to consumers in other countries, with orders delivered from the country
where the foreign shop is based or from a central logistics facility, i.e. across the country’s borders.
 ONLINE PAYMENT
Transfer of money made over the Internet following a consumer’s payment command, includes payments for
product and service purchased in B2C E-Commerce and M-Commerce.
 E-WALLET/DIGITAL WALLET
A prepaid digital account, allowing users to store money and use it in online or mobile transactions. The
examples of E-Wallets or digital wallets include Alipay and PayPal.
 CONTACTLESS PAYMENT
Near Field Communication is a set of standards to create radio communication by bringing devices close
together or having them touch each other. In that way, contactless data exchange and contactless payment
transactions using an NFC-enabled smartphone or other mobile device can take place. Similarly, contactless
payments can be made by credit and debit cards enabled with the contactless technology.
 CONTACTLESS DELIVERY
A method of delivery where the parcel is left outside the door or dropped off at a specified location on the
premises to avoid person-to-person contact when handing in the item.
 REAL-TIME PAYMENTS
Immediate or faster payments that allow businesses and consumers to make and receive payments in real time,
providing convenience, speed, and faster availability of funds.
The following expressions and definitions are used in this Real-Time Payments report*:
Note: *the definitions used by the original sources might differ from the ones stated on this chart; the exact definition used by each source, where available, is included on the
respective charts

5. 5
GENERAL METHODOLOGY OF MARKET REPORTS
Secondary Market Research
 The reports are compiled based on secondary market research. Secondary research is information gathered from previously published sources. Our reports are
based on information and data acquired from national and international statistical offices, industry and trade associations, business reports, business and
company databases, journals, company registries, news portals and many other reliable sources. By using various sources we ensure maximum objectivity for
reported data. As a result, companies gain a precise and unbiased impression of the market situation.
 Cross referencing of data is conducted in order to ensure validity and reliability.
 The source of information and its release date are provided on every chart. It is possible that the information contained in one chart is derived from several
sources. If this is the case, all sources are mentioned on the chart.
 The reports include mainly data from the last 12 months prior to the date of report publication. Exact publication dates are mentioned in every chart.
Definitions
 The reports take into account a broad definition of B2C E-Commerce, which might include mobile commerce. As definitions may vary among sources, exact
definition used by the source (if available) is included at the bottom of the chart.
Chart Types
 Our reports include text charts, pie charts, bar charts, rankings, line graphs and tables. Every chart contains an Action Title, which summarizes the main
idea/finding of the chart and a Subtitle, which provides necessary information about the country, the topic, units or measures of currency, and the applicable time
period(s) to which the data refers. With respect to rankings, it is possible that the summation of all categories amounts to more than 100%. In this case, multiple
answers were possible, which is noted at the bottom of the chart.
Report Structure
 Reports are comprised of the following elements, in the following order: Cover page, preface, legal notice, methodology, definitions, table of contents,
management summary (summarizing main information contained in each section of report) and report content (divided into sections and chapters). When
available, we also include forecasts in our report content. These forecasts are not our own; they are published by reliable sources. Within Global and Regional
reports, we include all major developed and emerging markets, ranked in order of importance by using evaluative criteria such as sales figures.
Notes and Currency Values
 If available, additional information about the data collection, for example the time of survey and number of people surveyed, is provided in the form of a note. In
some cases, the note (also) contains additional information needed to fully understand the contents of the respective data.
 When providing information about amounts of money, local currencies are most often used. When referencing currency values in the Action Title, the EUR
values are also provided in brackets. The conversions are made using the average currency exchange rate for the respective time period. Should the currency
figure be in the future, the average exchange rate of the past 12 months is used.

6. 6
METHODOLOGY OF THE CURRENT REPORT
Report Coverage
 This report covers real-time payments markets in the USA, Europe, Asia, Middle East, Africa, and Latin America. It takes into account a wide definition of real-
time payments and includes description of data on countries’ real-time gross settlement platforms. In addition, if available, information related to the impact of
the coronavirus (COVID-19) on real-time payments is included in this report.
 The report includes data mostly published in the previous 12 months. The exact date of publication of the source is stated on each chart. The time period which
the data refers to differs by source.
Report Structure
 The report starts with an overview of the Global real-time payments market. The rest of the report is divided into regional and country chapters.
 In the report the countries are grouped by advanced and emerging markets in the descending order of online payments turnovers.
 Depending on data availability, the following types of market information are included: main real-time payments service providers in a country, and their current
activities, volumes and values of the payment method, as well as projections of the developments of the real-time payments in the near future, if available. Not
all the mentioned types of information are available for each of the covered countries.

7. 7
TABLE OF CONTENTS (1 OF 10)
1. Global
• Main Drivers and Challenges for Real-Time Payments Adoption, December 2020
2. United States
• Values of Instant Payments, in USD trillion, and Share of US in the World’s Total, in %, 2020 & 2025f
• Share the US Small Businesses Struggling with Cash-Flow Shortages, and Share of Them Who Believe Real-Time Settlement
Could Help with Cash-Flow Shortages, September 2020
• Share of Finance Professionals Who Are in the Process of Implementing RTP or Plan to Begin Doing so Within the Next Three
Years, January 2020
• Share of P2P Product Purchase-Related Instant Payment in the Last 12 Months, by Generation and Income Level, in % of
Respondents, April 2020 – May 2020
• Top Reasons for Using Real-Time Payments, in % of Selected Corporate Decision Makers, June 2020
• Share of Businesses Who Expect Real-Time Payments to Transform Enterprises, in % of Corporate Decision Makers, June 2020
• Real-Time Payments Volume, in billions, 2019 & 2024f
• Share of Real-Time Payments, in % of All Payments, 2019 & 2024f
• Comparison of Attributes and Cases of Real-time Payments Usage, by Payment Solution, incl. FedNow, Mastercard Send, TCH
RTP, Venmo, Visa Direct, and Zelle, October 2020
3. Europe
3.1. Global
• Values of real-time Payments, in USD trillion, and Share of West Europe in the World’s Total, in %, 2020 & 2025f
• Profile of Real-Time Payments, and Objectives of the European Commission for 2021, December 2020
• Share of SCT Inst in All SEPA Credit Transfer Transactions, October 2019 – September 2020
• Average Daily Transaction Value via RT1 real-time Payments, in EUR million, and Month-on-Month Change, in %, January 2020
– November 2020
• TIPS Profile and 2021 Objectives, December 2020

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TABLE OF CONTENTS (2 OF 10)
3. Europe (Cont.)
3.1. Global (Cont.)
• Share of SEPA Payment Service Providers that Support SEPA real-time Payments, in %, October 2020
• P27 Payment Service Profile, December 2020
3.2. Sweden
• P27 Current News, December 2020
• Share of Daily Real-Time Payments via the Bankgirot System, in % of Total, 2020
• Number of Processed Transactions in the Bankgirot Real-Time Payment System, in millions, and Year-on-Year Growth, in %,
January 2020 – November 2020
3.3. Germany
• Availability of Real-Time Payments Option, by Selected Banks, September 2020
3.4. Switzerland
• Value of Real-Time Payments via the Swiss Interbank Clearing (SIC) System, In CHF billion, and Year-on-Year Change, in %,
January 2020 – October 2020
3.5. Netherlands
• Shares of Real-Time Payments in Total Single Credit Transfers, in %, November 2020
• Volume of Real-Time Payments, in thousands, February 2019 & October 2020
3.6. UK
• Value of Faster Payments via Pay.uk, in GBP billion, and Year-on-Year Change, in %, December 2019 – December 2020
• Shares of Faster Payments in Total Payments, in %, November 2019 & November 2020

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TABLE OF CONTENTS (3 OF 10)
3. Europe (Cont.)
3.7. Hungary
• Volume and Value of Payments via the Hungarian Real-Time Credit Transfer Scheme (AFR), in millions, and in HUF trillion,
March 2020 & September 2020
3.8. Poland
• Volume of Transfers via Express Elixir Real-Time Payment System, in PLN billion, and Volume, in millions, November 2019 &
November 2020
3.9. Turkey
• Real-Time and Continuous Transfer of Funds (FAST), December 2020
3.10. Russia
• Share of Consumer Fund Transfers via the Faster Payment System, in % of Total, December 2020
• Awareness of the Fast Payment Service offered by the Central Bank, in % of Respondents, September 2020
• Average Daily Value of Payments via the Faster Payment System, in RUB million, January 2020 & September 2020
4. Asia
4.1. Japan
• Profile of Zengin Data Telecommunication System, December 2020
• The Core Time System’s Number of Transactions, in thousands, Value of Transactions, in JPY 100 million, and Year-on-
Year Change, in %, October 2019 – October 2020
• Transaction Volume of The More System, in thousands, in % of Y-o-Y Growth Rate, October 2019 – October 2020

10. 10
TABLE OF CONTENTS (4 OF 10)
4. Asia (Cont.)
4.2. South Korea
• Volume of Real-Time Transactions, in billions, 2019 & 2024f
4.3. Australia
• Profile of the New Payment Platform and COVID-19’s Impact on its Activity, December 2020
• Value of Retail Payments via the New Payments Platform, in AUD billion, and Volume of Retail Payments via the New
Payment Platform, in millions, October 2018 & October 2019 & October 2020
• Share of PayID Users Who Use It at Least Once a Week, in %, October 2020
• Share of Account-to-Account Credit Payments Administered by the NPP, in % of Total, and Share of the NNP Transactions
Involving a Payment to or from a Business, in % of the NPP Transactions, October 2020
4.4. Singapore
• Profile of the Fast and Secure Transfers (FAST) and PayNow, December 2020
• Share of Transactions and Share of Transaction Value, by Payment Instrument, incl. Electronic, Immediate Payments, and
Paper-Based, in % of Total Transactions, 2019 & 2024f
4.5. China
• Profile of the Internet Banking Payments System, and Alipay’s Activity in Cross-Border Real-Time Payments, December
2020
• Volume of Real-Time Transactions, in billions, 2019 & 2024f

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TABLE OF CONTENTS (5 OF 10)
4. Asia (Cont.)
4.6. India
• Profiles of IMPS and UPI, incl. Definition, Fund Transfer Limit, Required Devices, Information Required, Fund Transfer Time,
Cost of Fund Transfer, E-Commerce Transaction Possibility, December 2020
• IMPS Number of Member Banks, Number of Transactions, in millions, Value of Transactions, in INR million, and Month-on-
Month Change, in %, November 2019 – November 2020
• UPI Number of Member Banks, Number of Transactions, in millions, Value of Transactions, in INR million, and Month-on-
Month Change, in %, November 2019 – November 2020
4.7. Malaysia
• Profile of Payments Network Malaysia Sdn Bhd (PayNet), December 2020
• Volume of Real-Time Transactions, in millions, 2019 & 2024f
4.8. Philippines
• Profile of InstaPay and COVID-19’s Impact on its Activity, December 2020
• InstaPay Transaction Value, in PHP billion, and Transaction Volume, in millions, January 2020 & June 2020
4.9. Sri Lanka
• Profile of LankaPay’ Common Electronic Fund Transfer, December 2020
• Share of the Transaction Value Settled in the Real-Time Gross Settlement System, in % of the Non-Cash Payments, 2020
4.10. Thailand
• Profile of PromptPay and COVID-19’s Impact on PromptPay’s activity, December 2020

12. 12
TABLE OF CONTENTS (6 OF 10)
4. Asia (Cont.)
4.10. Thailand (Cont.)
• Number of Registrations on PromptPay, by months, in millions, in % of Year-on-Year Change, December 2019-August 2020
• Volume of Daily Transactions via PromptPay, in millions, and Value of Daily Transactions via PromptPay, in THB billion,
January 2020 – September 2020
5. Middle East and Africa
5.1. UAE
• Profile of Real-Time Payment Systems UAEFTS and IPI, January 2021
• UAEFTS Transfer Values, by Source of Transfers, in AED billion, January 2020 – September 2020
5.2. Israel
• Current News Payment System Zahav, January 2021
5.3. Saudi Arabia
• Riyal Interbank Express (SARIE) System Payments Value, in SAR billion, and Volume, in millions, December 2019 –
November 2020
• Riyal Interbank Express (SARIE) System Payments Value, in SAR billion, and Volume, in millions, Q3 2018 – Q3 2020
5.4. Jordan
• Service Description of the Real-Time Payment System, January 2021

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TABLE OF CONTENTS (7 OF 10)
5. Middle East and Africa (Cont.)
5.5. Oman
• Current News about the Real-Time Payment System, January 2021
5.6. Egypt
• Payments in Real Time Gross Settlement (RTGS) System, Volume, Value, in EGP billion, Month-on-Month and Year-
on-Year Value Growth Rate, in %, January 2020 – December 2020
• Value of Payments in Real Time Gross Settlement (RTGS) System, in EGP billion, and Year-on-Year Change, in %,
2009 – 2020
5.7. Bahrain
• Profile of the Near Real-Time Electronic Fund Transfer System (EFTS), January 2021
• Payments in the Near Real Time Gross Settlement System, Volumes and Values, in BHD billion, by Source of
Transactions, November 2019 & October 2020 & November 2020
• Breakdown of Payments via EFTS, by Type of Services, November 2020
5.8. Southern Africa
• Profile of SADC-RTGS System, January 2021
• Payments via SADC-RTGS System, incl. Volume, Value, in ZAR billion, November 2019 – November 2020
• Transactions via SADC-RTGS System, incl. Number of Participating Banks, Volumes and Values, in ZAR million, by
Country, incl. Angola, Botswana, DRC, Estwani, and Lesoto, November 2020
5.9. South Africa
• Transactions via Real Time Clearing (RTC) System, Volume, Value, in ZAR billion, December 2019 – November 2020

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TABLE OF CONTENTS (8 OF 10)
5. Middle East and Africa (Cont.)
5.10. Nigeria
• Industry E-Payment Volumes and Values, in NGN billion, by Transaction Channels, January 2020 – August 2020
5.11. Morocco
• Transactions via SRBM System, Values and Volumes, in MAD billion, 2018 & 2019
5.12. Ghana
• Profile of GhiPSS Instant Pay (GIP) System, January 2021
• Transactions via GhiPSS Instant Pay (GIP) System, Volume, in thousand, and Value, in GHC million, October 2019,
December 2019, March 2020 – October 2020
5.13. Kenya
• Transactions via the Kenya Electronic Payment and Settlement System (KEPSS) System, Volume, in thousand, and
Values, in KES billion, November 2019 – October 2020
5.14. Namibia
• Profile of NamPay Near-RTGS System, January 2021

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TABLE OF CONTENTS (9 OF 10)
6. Latin America
6.1. Brazil
• Profile of the Real-Time Payment System, January 2021
• Monthly Average of Electronic Real-Time Payments, Volume, in thousands, and Value, in PEN million, incl. Transfers
Using Domestic and Foreign Currency, 2019 & 2020
6.2. Mexico
• Volume of Real-Time Payments, by Source of Payment, in millions, January 2020 – December 2020
6.3. Chile
• Profile of the Real-Time Payment System, January 2021
• Monthly Average of Electronic Real-Time Payments, Volume, in thousands, and Value, in PEN million, incl. Transfers
Using Domestic and Foreign Currency, 2019 & 2020
6.4. Colombia
• Volume of Real-Time Payments, by Source of Payment, in millions, January 2020 – December 2020

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TABLE OF CONTENTS (10 OF 10)
6. Latin America (Cont.)
6.5. Peru
• Profile of the Real-Time Payment System, January 2021
• Monthly Average of Electronic Real-Time Payments, Volume, in thousands, and Value, in PEN million, incl. Transfers
Using Domestic and Foreign Currency, 2019 & 2020
6.6. Argentina
• Volume of Real-Time Payments, by Source of Payment, in millions, January 2020 – December 2020

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1.
2.
3.
4.
5.
6.
Global
United States
Europe
Asia
Middle East and Africa
Latin America
17 - 18
19 - 28
29 - 51
52 - 76
77 - 100
101 - 114

18. 18
Use PayID at least
once a week to send and/
or receive payments
45%
Other
55%
In Australia, 45% of PayID users, NPP's addressing service, opt for it to
send and/or to receive payments at least once a week, as of Oct. 2020.
Australia: Share of PayID Users Who Use It at Least Once a Week, in %, October 2020
Source: New Payment Platform, October 2020

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16.4
38.8
0
10
20
30
40
50
2019 2024f
in
billions
In China, the volume of real-time transactions is forecasted to reach
38.8 billion by 2024, a yearly growth of 18.8% compared to 2019.
China: Volume of Real-Time Transactions, in billions, 2019 & 2024f
Yearly CAGR
+18.8%
Source: ACI and Global Data, May 2020

20. 20