{"id":441511,"date":"2026-06-02T22:15:00","date_gmt":"2026-06-02T14:15:00","guid":{"rendered":"https:\/\/pingtungtimes.com.tw\/?p=441511"},"modified":"2026-06-02T22:15:00","modified_gmt":"2026-06-02T14:15:00","slug":"thunes-%e7%a0%94%e7%a9%b6%e6%8f%ad%e7%a4%ba%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e4%ba%92%e9%80%9a%e6%80%a7%e7%bc%ba%e5%8f%a3%ef%bc%9a%e6%9c%ac%e5%9c%b0%e5%89%b5%e6%96%b0%e9%9b%a3%e4%bb%a5%e8%b7%a8","status":"publish","type":"post","link":"https:\/\/pingtungtimes.com.tw\/?p=441511","title":{"rendered":"Thunes \u7814\u7a76\u63ed\u793a\u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u7f3a\u53e3\uff1a\u672c\u5730\u5275\u65b0\u96e3\u4ee5\u8de8\u8d8a\u908a\u5883"},"content":{"rendered":"<div>\n<p><b><i>Thunes \u8207 Juniper Research \u9996\u5ea6\u5408\u529b\u7de8\u88fd\u4e92\u901a\u6027\u6307\u6578\uff0c\u7d50\u679c\u63ed\u793a\uff1a\u672c\u5730\u7db2\u7d61\u96d6\u5728\u9032\u6b65\uff0c\u773e\u591a\u8de8\u5883\u652f\u4ed8\u537b\u4f9d\u6df1\u9677\u5168\u7403\u50f5\u5c40\u3002<\/i><\/b><\/p>\n<p><span class=\"legendSpanClass\">\u963f\u59c6\u65af\u7279\u4e39<\/span><span class=\"legendSpanClass\">2026\u5e746\u67082\u65e5<\/span> \/\u7f8e\u901a\u793e\/ &#8212; \u5373\u4f7f\u6709 50% \u7684\u6536\u6b3e\u4eba\u8a8d\u70ba\u901f\u5ea6\u6700\u91cd\u8981\uff0c\u4ecd\u6709\u8d85\u904e\u5341\u5104\u4eba\u8981\u7b49\u4e0a\u597d\u5e7e\u5929\u624d\u80fd\u6536\u5230\u8de8\u5883\u532f\u6b3e\u3002 Thunes \u8207 Juniper Research \u6700\u65b0\u5831\u544a\u63ed\u793a\uff0c\u6d88\u8cbb\u8005\u5fc3\u4e2d\u7684\u671f\u76fc\uff0c\u8207\u73fe\u5be6\u4e2d\u8de8\u5883\u652f\u4ed8\u7db2\u7d61\u7684\u9072\u7de9\u8207\u96f6\u6563\uff0c\u5f62\u6210\u9bae\u660e\u5c0d\u6bd4\u3002<\/p>\n<p>\u5831\u544a\u4ea6\u63ed\u793a\u91d1\u878d\u696d\u4e00\u5927\u76f2\u9ede\uff1a\u672c\u5730\u652f\u4ed8\u7cfb\u7d71\u96d6\u8f03\u5f80\u6614\u66f4\u5feb\u66f4\u5148\u9032\uff0c\u5275\u65b0\u537b\u6b62\u6b65\u65bc\u908a\u5883\u3002 \u8de8\u5883\u4e92\u901a\u6027\uff0c\u5373\u4e0d\u53d7\u5730\u57df\u6216\u5e95\u5c64\u7cfb\u7d71\u9650\u5236\u3001\u80fd\u5920\u9806\u66a2\u5730\u8de8\u5883\u8f49\u79fb\u8cc7\u91d1\u7684\u80fd\u529b\uff0c\u81f3\u4eca\u4ecd\u672a\u80fd\u5be6\u73fe\u3002<\/p>\n<p>\u70ba\u4e86\u5448\u73fe\u9019\u4e9b\u7f3a\u53e3\uff0c\u9996\u4efd<a href=\"https:\/\/www.thunes.com\/reports\/the-cross-border-payments-interoperability-index\/\" target=\"_blank\" rel=\"nofollow\" style=\"color: #0000FF\"><b><i>Thunes Cross-Border Payments Interoperability Index\uff08Thunes \u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u6307\u6578\uff09<\/i><\/b><\/a> \u7d50\u5408 Juniper Research \u7684\u6d1e\u5bdf\u5206\u6790\u6b63\u5f0f\u9762\u4e16\uff0c\u4e26\u70ba 50 \u500b\u570b\u5bb6\u8a02\u5b9a\u57fa\u6e96\u6392\u540d\u3002 \u7814\u7a76\u7d50\u679c\u986f\u793a\uff0c\u5404\u5730\u5340\u96d6\u5b58\u5728\u986f\u8457\u5dee\u7570\uff0c\u4f46\u5168\u7403\u5747\u9762\u81e8\u5171\u540c\u554f\u984c\uff1a\u4e92\u901a\u6027\u4e0d\u8db3\u5f71\u97ff\u6240\u6709\u5730\u5340\uff0c\u8b49\u660e\u672c\u5730\u767c\u5c55\u5373\u4f7f\u518d\u5148\u9032\uff0c\u4ea6\u4e0d\u4ee3\u8868\u80fd\u81ea\u52d5\u5be6\u73fe\u7121\u7e2b\u7684\u570b\u969b\u9023\u63a5\u3002<\/p>\n<p><b>\u5730\u5340\u6982\u6cc1\uff1a\u5275\u65b0\u6709\u9918\uff0c\u9023\u63a5\u4e0d\u8db3<\/b><\/p>\n<ul type=\"disc\">\n<li><b>\u6b50\u6d32\uff08\u4e92\u901a\u6027\u9818\u5148\u5168\u7403\uff09\uff1a\u524d 20 \u540d\u5e2d\u4f4d\u4e2d\uff0c\u6b50\u6d32\u4f54\u64da 16 \u5e2d\u3002<\/b> \u6b50\u6d32\u5730\u5340\u9ad8\u8e1e\u5168\u7403\u699c\u9996\uff0c\u5168\u8cf4\u6574\u5408\u7684\u55ae\u4e00\u6b50\u5143\u652f\u4ed8\u5340 (SEPA) \u7db2\u7d61\uff0c\u6b64\u7db2\u7d61\u53ef\u5728 10 \u79d2\u5167\u8655\u7406\u8de8\u5883\u6b50\u5143\u8f49\u8cec\u3002 \u7136\u800c\uff0c\u9019\u7a2e\u6d41\u66a2\u7121\u963b\u7684\u9ad4\u9a57\u57fa\u672c\u4e0a\u53ea\u5c40\u9650\u65bc\u6b50\u5143\u5340\u4e4b\u5167\u3002<\/li>\n<li><b>\u7f8e\u6d32\uff1a<\/b>\u570b\uff08\u6392\u540d\u7b2c 21 \u4f4d\uff09\uff0c\u7e31\u6709\u5f88\u591a\u8de8\u5883\u652f\u4ed8\u516c\u53f8\u843d\u6236\u7576\u5730\uff0c\u4f46\u537b\u53cd\u6620\u51fa\u9069\u61c9\u80fd\u529b\u4e0a\u7684\u5dee\u8ddd\uff0c\u5176\u5206\u6563\u7684\u9280\u884c\u9ad4\u7cfb\u62d6\u6162\u8207\u5168\u7403\u5be6\u6642\u652f\u4ed8\u7cfb\u7d71\u7684\u63a5\u8ecc\u3002 \u53e6\u4e00\u908a\u5ec2\uff0c\u5df4\u897f PIX \u5728\u672c\u571f\u96d6\u5927\u653e\u7570\u5f69\uff0c\u4f46\u56b4\u683c\u7684\u8ca8\u5e63\u7ba1\u63a7\uff0c\u4ee4 42% \u7684\u570b\u969b\u6536\u6b3e\u4eba\u4ecd\u8981\u9762\u5c0d\u6578\u5929\u5ef6\u8aa4\u3002<\/li>\n<li><b>\u4e9e\u592a\u5340\uff1a<\/b>\u65b0\u52a0\u5761\uff08\u6392\u540d\u7b2c 2\uff09\u64c5\u9577\u8207\u4ed6\u570b\u5efa\u7acb\u76f4\u63a5\u96d9\u908a\u806f\u7e6b\uff0c\u7136\u800c\u8de8\u5883\u4e92\u806f\u7a0b\u5ea6\u5f97\u5206\u504f\u4f4e\u3002 \u5370\u5ea6\u53ca\u4e2d\u570b\u5169\u5927\u570b\u6392\u540d\u504f\u4f4e\uff0c\u7686\u56e0\u5176\u9ad8\u6548\u7cfb\u7d71\u904e\u65bc\u5074\u91cd\u672c\u571f\uff0c\u81f4\u4f7f 46% \u7684\u5370\u5ea6\u6536\u6b3e\u4eba\u53ca 30% \u7684\u4e2d\u570b\u6536\u6b3e\u4eba\u8981\u82e6\u5019\u6578\u65e5\uff0c\u65b9\u80fd\u6536\u5230\u6d77\u5916\u8cc7\u91d1\u3002 \u6b64\u5916\uff0c\u6771\u4e9e\u3001\u5357\u4e9e\u53ca\u6771\u5357\u4e9e\u7684\u6d41\u52d5\u9322\u5305\u61c9\u7528\u60c5\u6cc1\u6975\u70ba\u5b64\u7acb\uff0c\u672a\u80fd\u5728\u5168\u7403\u5c64\u9762\u5be6\u73fe\u539f\u751f\u4e92\u806f\u4e92\u901a\u3002<\/li>\n<li><b>\u4e2d\u6771\uff1a<\/b>\u963f\u806f\u914b (UAE) \u53ca\u6c99\u7279\u963f\u62c9\u4f2f\u7b49\u5e02\u5834\u96d6\u5177\u5099\u5148\u9032\u79d1\u6280\u57fa\u5efa\uff0c\u60df\u65e5\u5e38\u751f\u6d3b\u4f9d\u7136\u6df1\u7e6b\u5be6\u9ad4\u8ca8\u5e63\u3002 72% \u7684\u6c99\u7279\u516c\u6c11\u6bcf\u9031\u81f3\u5c11\u4f7f\u7528\u4e00\u6b21\u73fe\u91d1\uff0c\u9650\u5236\u4e86\u6578\u78bc\u8de8\u5883\u7db2\u7d61\u7684\u5373\u6642\u62d3\u5c55\u3002<\/li>\n<li><b>\u975e\u6d32\uff1a<\/b>\u975e\u6d32\u5730\u5340\u5728\u672c\u5730\u91d1\u878d\u79d1\u6280\u5275\u65b0\u65b9\u9762\u5f15\u9818\u5728\u524d\uff0c\u7279\u5225\u662f\u80af\u96c5\u7684\u6d41\u52d5\u8ca8\u5e63\u548c\u5c3c\u65e5\u5229\u4e9e\u7684\u6578\u78bc\u8cc7\u7522\u3002\u4f46\u7531\u65bc\u570b\u969b\u9280\u884c\u9678\u7e8c\u7e2e\u6e1b\u5728\u9019\u4e9b\u5730\u5340\u7684\u4ee3\u7406\u884c\u95dc\u4fc2\uff0c\u975e\u6d32\u7684\u6574\u9ad4\u6392\u540d\u8f03\u4f4e\uff0c\u53cd\u6620\u51fa\u66f4\u5ee3\u6cdb\u7684\u5168\u7403\u963b\u529b\u3002<\/li>\n<\/ul>\n<p><b>\u884c\u52d5\u9322\u5305\u666e\u53ca\u7387\u7684\u589e\u9577<\/b><\/p>\n<p>\u5831\u544a\u4ea6\u78ba\u8a8d\uff0c\u4eba\u5011\u6536\u767c\u570b\u969b\u4ed8\u6b3e\u7684\u65b9\u5f0f\u6b63\u7d93\u6b77\u91cd\u5927\u8b8a\u9769\uff1a<\/p>\n<ul type=\"disc\">\n<li>\u6d41\u52d5\u9322\u5305\u548c\u652f\u4ed8\u61c9\u7528\u7a0b\u5f0f\u73fe\u5df2\u6210\u70ba\u570b\u969b\u532f\u6b3e\u7684\u4e3b\u8981\u6e20\u9053\uff0c\u5168\u7403\u6709 48% \u7684\u53d7\u8a2a\u8005\u4ee5\u6b64\u4f5c\u70ba\u8de8\u5883\u532f\u6b3e\u7684\u4e3b\u8981\u65b9\u5f0f\u3002<\/li>\n<li>\u5728\u67d0\u4e9b\u5e02\u5834\uff0c\u6d41\u52d5\u9322\u5305\u5c0d\u4fc3\u9032\u91d1\u878d\u666e\u60e0\u767c\u63ee\u66f4\u91cd\u8981\u7684\u89d2\u8272\u3002 \u5728\u5370\u5ea6\u3001\u5357\u975e\u548c\u83f2\u5f8b\u8cd3\uff0c\u5206\u5225\u6709 30%\u300126% \u548c 25% \u7684\u7528\u6236\u9078\u64c7\u6d41\u52d5\u9322\u5305\u4f5c\u70ba\u5176\u4eba\u751f\u4e2d\u9996\u500b\u6b63\u5f0f\u7684\u91d1\u878d\u8cec\u6236\u3002 \u5176\u4e2d 26% \u7528\u6236\u4e4b\u6240\u4ee5\u5982\u6b64\u9078\u64c7\uff0c\u4e43\u56e0\u8a3b\u518a\u7c21\u6613\u3002<\/li>\n<\/ul>\n<p>\u5118\u7ba1\u51fa\u73fe\u9019\u9805\u8f49\u8b8a\uff0c\u9280\u884c\u4ecd\u7136\u662f\u7d50\u7b97\u57fa\u790e\u8a2d\u65bd\u7684\u6838\u5fc3\u74b0\u7bc0\uff0c\u986f\u793a\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u4e4b\u9593\u9700\u8981\u9032\u4e00\u6b65\u6574\u5408\u3002<\/p>\n<p><b>\u7a69\u5b9a\u5e63\uff1a\u4fe1\u4efb\u8207\u76e3\u7ba1\u6210\u70ba\u7d42\u6975\u96e3\u95dc<\/b><\/p>\n<p>\u5168\u7403\u50c5 11% \u4eba\u53e3\u6163\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u8de8\u5883\u532f\u6b3e\uff0c\u60df\u90e8\u5206\u7279\u5b9a\u5e02\u5834\u5c0d\u6578\u78bc\u8cc7\u7522\u5c55\u73fe\u51fa\u6975\u5927\u6e34\u6c42\uff1a<\/p>\n<ul type=\"disc\">\n<li>\u4ee5\u5c3c\u65e5\u5229\u4e9e\u70ba\u4f8b\uff0c\u6709 40% \u7684\u53d7\u8a2a\u8005\u8868\u793a\u6703\u4f7f\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u9032\u884c\u8de8\u5883\u532f\u6b3e\uff0c\u50c5 19% \u8868\u793a\u5f9e\u672a\u807d\u904e\u7a69\u5b9a\u5e63\uff0c\u76f8\u6bd4\u4e4b\u4e0b\u5168\u7403\u5e73\u5747\u6bd4\u4f8b\u70ba 38%\u3002 \u5c0d\u6578\u78bc\u8cc7\u7522\u7522\u54c1\u8d8a\u8a8d\u8b58\u3001\u8d8a\u7406\u89e3\uff0c\u91d1\u878d\u6d3b\u52d5\u61c9\u7528\u5c31\u81ea\u7136\u8d8a\u5ee3\u6cdb\u3002<\/li>\n<li>\u6b50\u6d32\u65b9\u9762\uff0c59% \u53d7\u8a2a\u8005\u5f9e\u672a\u807d\u805e\u7a69\u5b9a\u5e63\uff0c\u50c5 8% \u5831\u7a31\u66fe\u7d93\u4f7f\u7528\u3002 \u5373\u4f7f\u6b50\u6d32\u5728\u76e3\u7ba1\u4e0a\u5f15\u9818\u5168\u7403\uff0c\u5305\u62ec\u63a8\u51fa\u300a\u6b50\u76df\u52a0\u5bc6\u8cc7\u7522\u5e02\u5834\u6cd5\u6848\u300b(MiCA) \u4ee5\u91d0\u6e05\u6578\u78bc\u8cc7\u7522\u898f\u5247\u4e26\u4fdd\u969c\u6d88\u8cbb\u8005\uff0c\u4f46\u4e0a\u8ff0\u60c5\u6cc1\u4ecd\u7136\u5b58\u5728\u3002<\/li>\n<li>\u653e\u773c\u5168\u7403\u975e\u4f7f\u7528\u8005\uff0c\u6700\u5927\u969c\u7919\u5728\u65bc\u8a50\u9a19\u98a8\u96aa (25%)\uff0c\u5176\u6b21\u70ba\u5c0d\u73fe\u6709\u652f\u4ed8\u65b9\u5f0f\u7684\u6eff\u610f (23%)\uff0c\u53ef\u898b\u963b\u529b\u4e26\u975e\u7d14\u7cb9\u9700\u6c42\u5331\u4e4f\uff0c\u800c\u662f\u5e02\u5834\u9700\u8981\u66f4\u7a69\u56fa\u7684\u4fe1\u4efb\u3001\u66f4\u5b8c\u5584\u7684\u76e3\u7ba1\uff0c\u4ee5\u53ca\u8207\u6b63\u898f\u91d1\u878d\u9ad4\u7cfb\u66f4\u4f73\u7684\u4e92\u901a\u6027\u3002<\/li>\n<\/ul>\n<p>Thunes \u71df\u92b7\u7e3d\u76e3 <b>Mathieu Limousi<\/b> \u8868\u793a\uff1a\u300c\u6211\u5011\u6b63\u5728\u76ee\u7779\u5168\u7403\u91d1\u878d\u4e00\u5927\u77db\u76fe\u73fe\u8c61\uff1a\u672c\u5730\u652f\u4ed8\u5df2\u7d93\u505a\u5230\u5373\u6642\u5230\u8cec\uff0c\u4f46\u8cc7\u91d1\u4e00\u65e6\u8de8\u8d8a\u908a\u5883\uff0c\u5275\u65b0\u5f80\u5f80\u4fbf\u621b\u7136\u800c\u6b62\u3002 \u6211\u5011\u7684\u4e92\u901a\u6027\u6307\u6578\u5370\u8b49\uff0c\u5168\u7403\u91d1\u878d\u666e\u60e0\u7684\u6c7a\u52dd\u4e4b\u5730\uff0c\u4e0d\u5728\u65bc\u92ea\u8a2d\u66f4\u591a\u57fa\u5efa\uff0c\u800c\u5728\u65bc\u4e32\u806f\u73fe\u6709\u7684\u4e00\u5207\u3002 \u6d41\u52d5\u9322\u5305\u3001\u6578\u78bc\u8cc7\u7522\u8207\u50b3\u7d71\u9280\u884c\uff0c\u7686\u5728\u6025\u901f\u64f4\u5f35\uff0c\u537b\u5982\u540c\u5b64\u5cf6\u822c\u5404\u81ea\u904b\u4f5c\u3002 \u552f\u6709\u5f37\u8feb\u9019\u4e9b\u4e92\u4e0d\u76f8\u9023\u7684\u7db2\u7d61\u5f7c\u6b64\u5c0d\u8a71\uff0c\u78ba\u4fdd\u79d1\u6280\u4e0d\u6b62\u6b65\u65bc\u908a\u5883\uff0c\u771f\u6b63\u7684\u91d1\u878d\u6d41\u52d5\u65b9\u80fd\u5be6\u73fe\u3002\u300d<\/p>\n<p>Juniper Research \u7814\u7a76\u526f\u7e3d\u88c1 <b>Nick Maynard<\/b> \u88dc\u5145\u9053\uff1a\u300c\u6578\u64da\u6e05\u695a\u986f\u793a\uff0c\u6211\u5011\u6b63\u9762\u5c0d\u7d50\u69cb\u6027\u50f5\u5c40\u3002 \u8de8\u5883\u963b\u529b\uff0c\u5df2\u975e\u5c40\u90e8\u652f\u4ed8\u8ecc\u9053\u554f\u984c\uff0c\u800c\u662f\u5168\u7403\u4e92\u901a\u6027\u5371\u6a5f\u3002 \u672c\u5730\u57fa\u5efa\u96d6\u5df2\u9054\u5be6\u6642\u901f\u5ea6\uff0c\u9023\u63a5\u5404\u570b\u7684\u8de8\u5883\u6e20\u9053\u537b\u4f9d\u820a\u652f\u96e2\u7834\u788e\u3002 \u5373\u4f7f\u5728\u79d1\u6280\u9818\u5148\u7684\u5e02\u5834\uff0c\u5168\u7403\u652f\u4ed8\u4ecd\u7136\u5728\u300e\u6700\u5f8c\u4e00\u91cc\u300f\u51fa\u73fe\u554f\u984c\uff0c\u7686\u56e0\u4e0d\u540c\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u672a\u80fd\u7121\u7e2b\u4e92\u52d5\u3002\u300d<\/p>\n<p>\u4e0b\u8f09\u5b8c\u6574\u5831\u544a\uff1a<a href=\"https:\/\/www.thunes.com\/reports\/the-cross-border-payments-interoperability-index\/\" target=\"_blank\" rel=\"nofollow\" style=\"color: #0000FF\"><i>\u300aThe Thunes Cross-border Payments Interoperability Index\u300b<\/i><\/a>\u3002<\/p>\n<p><b>\u7814\u7a76\u65b9\u6cd5<\/b><\/p>\n<p>\u6b64\u5831\u544a\u6e90\u81ea Juniper Research \u65bc 2026 \u5e74 4 \u6708\u9032\u884c\u7684\u7db2\u4e0a\u6d88\u8cbb\u8005\u8abf\u67e5\uff0c\u53d7\u8a2a\u8005\u9054 6,763 \u4eba\uff0c\u904d\u53ca 10 \u500b\u570b\u5bb6\uff1a\u7f8e\u570b\u3001\u5df4\u897f\u3001\u6c99\u7279\u963f\u62c9\u4f2f\u738b\u570b\u3001\u4e2d\u570b\u3001\u5370\u5ea6\u3001\u83f2\u5f8b\u8cd3\u3001\u82f1\u570b\u3001\u5fb7\u570b\u3001\u5357\u975e\u53ca\u5c3c\u65e5\u5229\u4e9e\u3002 \u8a72\u4e92\u901a\u6027\u6307\u6578\u8a55\u4f30\u4e86 50 \u500b\u5e02\u5834\uff0c\u5176\u63a1\u7528\u5c08\u6709\u7684\u8abf\u67e5\u6578\u64da\u4ee5\u53ca\u591a\u500b\u65e2\u5b9a\u57fa\u6e96\uff0c\u5305\u62ec\u4e16\u754c\u9280\u884c 2025 \u5e74\u5168\u7403\u91d1\u878d\u5305\u5bb9\u6027\u6307\u6578\u8cc7\u6599\u5eab (World Bank Global Findex Database 2025) \u548c\u4e16\u754c\u9280\u884c\u532f\u6b3e\u6210\u672c\u6578\u64da (World Bank remittance cost data)\u3002<\/p>\n<p><b>\u95dc\u65bc Thunes<\/b><\/p>\n<p>\u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1a<a href=\"https:\/\/www.thunes.com\/\" target=\"_blank\" rel=\"nofollow\" style=\"color: #0000FF\"> https:\/\/www.thunes.com\/<\/a><\/p>\n<p><b>\u95dc\u65bc Juniper Research<\/b><\/p>\n<p>\u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1a<a href=\"http:\/\/www.juniperresearch.com\/\" target=\"_blank\" rel=\"nofollow\" style=\"color: #0000FF\">www.juniperresearch.com<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Thunes \u8207 Junipe&#8230;<\/p>\n","protected":false},"author":16,"featured_media":199219,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[40567],"tags":[],"class_list":["post-441511","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-40567"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Thunes \u7814\u7a76\u63ed\u793a\u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u7f3a\u53e3\uff1a\u672c\u5730\u5275\u65b0\u96e3\u4ee5\u8de8\u8d8a\u908a\u5883 - \u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831<\/title>\n<meta name=\"description\" content=\"Thunes \u8207 Juniper Research \u9996\u5ea6\u5408\u529b\u7de8\u88fd\u4e92\u901a\u6027\u6307\u6578\uff0c\u7d50\u679c\u63ed\u793a\uff1a\u672c\u5730\u7db2\u7d61\u96d6\u5728\u9032\u6b65\uff0c\u773e\u591a\u8de8\u5883\u652f\u4ed8\u537b\u4f9d\u6df1\u9677\u5168\u7403\u50f5\u5c40\u3002 \u963f\u59c6\u65af\u7279\u4e392026\u5e746\u67082\u65e5 \/\u7f8e\u901a\u793e\/ -- \u5373\u4f7f\u6709 50% \u7684\u6536\u6b3e\u4eba\u8a8d\u70ba\u901f\u5ea6\u6700\u91cd\u8981\uff0c\u4ecd\u6709\u8d85\u904e\u5341\u5104\u4eba\u8981\u7b49\u4e0a\u597d\u5e7e\u5929\u624d\u80fd\u6536\u5230\u8de8\u5883\u532f\u6b3e\u3002 Thunes \u8207 Juniper Research \u6700\u65b0\u5831\u544a\u63ed\u793a\uff0c\u6d88\u8cbb\u8005\u5fc3\u4e2d\u7684\u671f\u76fc\uff0c\u8207\u73fe\u5be6\u4e2d\u8de8\u5883\u652f\u4ed8\u7db2\u7d61\u7684\u9072\u7de9\u8207\u96f6\u6563\uff0c\u5f62\u6210\u9bae\u660e\u5c0d\u6bd4\u3002 \u5831\u544a\u4ea6\u63ed\u793a\u91d1\u878d\u696d\u4e00\u5927\u76f2\u9ede\uff1a\u672c\u5730\u652f\u4ed8\u7cfb\u7d71\u96d6\u8f03\u5f80\u6614\u66f4\u5feb\u66f4\u5148\u9032\uff0c\u5275\u65b0\u537b\u6b62\u6b65\u65bc\u908a\u5883\u3002 \u8de8\u5883\u4e92\u901a\u6027\uff0c\u5373\u4e0d\u53d7\u5730\u57df\u6216\u5e95\u5c64\u7cfb\u7d71\u9650\u5236\u3001\u80fd\u5920\u9806\u66a2\u5730\u8de8\u5883\u8f49\u79fb\u8cc7\u91d1\u7684\u80fd\u529b\uff0c\u81f3\u4eca\u4ecd\u672a\u80fd\u5be6\u73fe\u3002 \u70ba\u4e86\u5448\u73fe\u9019\u4e9b\u7f3a\u53e3\uff0c\u9996\u4efdThunes Cross-Border Payments Interoperability Index\uff08Thunes \u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u6307\u6578\uff09 \u7d50\u5408 Juniper Research \u7684\u6d1e\u5bdf\u5206\u6790\u6b63\u5f0f\u9762\u4e16\uff0c\u4e26\u70ba 50 \u500b\u570b\u5bb6\u8a02\u5b9a\u57fa\u6e96\u6392\u540d\u3002 \u7814\u7a76\u7d50\u679c\u986f\u793a\uff0c\u5404\u5730\u5340\u96d6\u5b58\u5728\u986f\u8457\u5dee\u7570\uff0c\u4f46\u5168\u7403\u5747\u9762\u81e8\u5171\u540c\u554f\u984c\uff1a\u4e92\u901a\u6027\u4e0d\u8db3\u5f71\u97ff\u6240\u6709\u5730\u5340\uff0c\u8b49\u660e\u672c\u5730\u767c\u5c55\u5373\u4f7f\u518d\u5148\u9032\uff0c\u4ea6\u4e0d\u4ee3\u8868\u80fd\u81ea\u52d5\u5be6\u73fe\u7121\u7e2b\u7684\u570b\u969b\u9023\u63a5\u3002 \u5730\u5340\u6982\u6cc1\uff1a\u5275\u65b0\u6709\u9918\uff0c\u9023\u63a5\u4e0d\u8db3   \u6b50\u6d32\uff08\u4e92\u901a\u6027\u9818\u5148\u5168\u7403\uff09\uff1a\u524d 20 \u540d\u5e2d\u4f4d\u4e2d\uff0c\u6b50\u6d32\u4f54\u64da 16 \u5e2d\u3002 \u6b50\u6d32\u5730\u5340\u9ad8\u8e1e\u5168\u7403\u699c\u9996\uff0c\u5168\u8cf4\u6574\u5408\u7684\u55ae\u4e00\u6b50\u5143\u652f\u4ed8\u5340 (SEPA) \u7db2\u7d61\uff0c\u6b64\u7db2\u7d61\u53ef\u5728 10 \u79d2\u5167\u8655\u7406\u8de8\u5883\u6b50\u5143\u8f49\u8cec\u3002 \u7136\u800c\uff0c\u9019\u7a2e\u6d41\u66a2\u7121\u963b\u7684\u9ad4\u9a57\u57fa\u672c\u4e0a\u53ea\u5c40\u9650\u65bc\u6b50\u5143\u5340\u4e4b\u5167\u3002  \u7f8e\u6d32\uff1a\u570b\uff08\u6392\u540d\u7b2c 21 \u4f4d\uff09\uff0c\u7e31\u6709\u5f88\u591a\u8de8\u5883\u652f\u4ed8\u516c\u53f8\u843d\u6236\u7576\u5730\uff0c\u4f46\u537b\u53cd\u6620\u51fa\u9069\u61c9\u80fd\u529b\u4e0a\u7684\u5dee\u8ddd\uff0c\u5176\u5206\u6563\u7684\u9280\u884c\u9ad4\u7cfb\u62d6\u6162\u8207\u5168\u7403\u5be6\u6642\u652f\u4ed8\u7cfb\u7d71\u7684\u63a5\u8ecc\u3002 \u53e6\u4e00\u908a\u5ec2\uff0c\u5df4\u897f PIX \u5728\u672c\u571f\u96d6\u5927\u653e\u7570\u5f69\uff0c\u4f46\u56b4\u683c\u7684\u8ca8\u5e63\u7ba1\u63a7\uff0c\u4ee4 42% \u7684\u570b\u969b\u6536\u6b3e\u4eba\u4ecd\u8981\u9762\u5c0d\u6578\u5929\u5ef6\u8aa4\u3002  \u4e9e\u592a\u5340\uff1a\u65b0\u52a0\u5761\uff08\u6392\u540d\u7b2c 2\uff09\u64c5\u9577\u8207\u4ed6\u570b\u5efa\u7acb\u76f4\u63a5\u96d9\u908a\u806f\u7e6b\uff0c\u7136\u800c\u8de8\u5883\u4e92\u806f\u7a0b\u5ea6\u5f97\u5206\u504f\u4f4e\u3002 \u5370\u5ea6\u53ca\u4e2d\u570b\u5169\u5927\u570b\u6392\u540d\u504f\u4f4e\uff0c\u7686\u56e0\u5176\u9ad8\u6548\u7cfb\u7d71\u904e\u65bc\u5074\u91cd\u672c\u571f\uff0c\u81f4\u4f7f 46% \u7684\u5370\u5ea6\u6536\u6b3e\u4eba\u53ca 30% \u7684\u4e2d\u570b\u6536\u6b3e\u4eba\u8981\u82e6\u5019\u6578\u65e5\uff0c\u65b9\u80fd\u6536\u5230\u6d77\u5916\u8cc7\u91d1\u3002 \u6b64\u5916\uff0c\u6771\u4e9e\u3001\u5357\u4e9e\u53ca\u6771\u5357\u4e9e\u7684\u6d41\u52d5\u9322\u5305\u61c9\u7528\u60c5\u6cc1\u6975\u70ba\u5b64\u7acb\uff0c\u672a\u80fd\u5728\u5168\u7403\u5c64\u9762\u5be6\u73fe\u539f\u751f\u4e92\u806f\u4e92\u901a\u3002  \u4e2d\u6771\uff1a\u963f\u806f\u914b (UAE) \u53ca\u6c99\u7279\u963f\u62c9\u4f2f\u7b49\u5e02\u5834\u96d6\u5177\u5099\u5148\u9032\u79d1\u6280\u57fa\u5efa\uff0c\u60df\u65e5\u5e38\u751f\u6d3b\u4f9d\u7136\u6df1\u7e6b\u5be6\u9ad4\u8ca8\u5e63\u3002 72% \u7684\u6c99\u7279\u516c\u6c11\u6bcf\u9031\u81f3\u5c11\u4f7f\u7528\u4e00\u6b21\u73fe\u91d1\uff0c\u9650\u5236\u4e86\u6578\u78bc\u8de8\u5883\u7db2\u7d61\u7684\u5373\u6642\u62d3\u5c55\u3002  \u975e\u6d32\uff1a\u975e\u6d32\u5730\u5340\u5728\u672c\u5730\u91d1\u878d\u79d1\u6280\u5275\u65b0\u65b9\u9762\u5f15\u9818\u5728\u524d\uff0c\u7279\u5225\u662f\u80af\u96c5\u7684\u6d41\u52d5\u8ca8\u5e63\u548c\u5c3c\u65e5\u5229\u4e9e\u7684\u6578\u78bc\u8cc7\u7522\u3002\u4f46\u7531\u65bc\u570b\u969b\u9280\u884c\u9678\u7e8c\u7e2e\u6e1b\u5728\u9019\u4e9b\u5730\u5340\u7684\u4ee3\u7406\u884c\u95dc\u4fc2\uff0c\u975e\u6d32\u7684\u6574\u9ad4\u6392\u540d\u8f03\u4f4e\uff0c\u53cd\u6620\u51fa\u66f4\u5ee3\u6cdb\u7684\u5168\u7403\u963b\u529b\u3002  \u884c\u52d5\u9322\u5305\u666e\u53ca\u7387\u7684\u589e\u9577 \u5831\u544a\u4ea6\u78ba\u8a8d\uff0c\u4eba\u5011\u6536\u767c\u570b\u969b\u4ed8\u6b3e\u7684\u65b9\u5f0f\u6b63\u7d93\u6b77\u91cd\u5927\u8b8a\u9769\uff1a   \u6d41\u52d5\u9322\u5305\u548c\u652f\u4ed8\u61c9\u7528\u7a0b\u5f0f\u73fe\u5df2\u6210\u70ba\u570b\u969b\u532f\u6b3e\u7684\u4e3b\u8981\u6e20\u9053\uff0c\u5168\u7403\u6709 48% \u7684\u53d7\u8a2a\u8005\u4ee5\u6b64\u4f5c\u70ba\u8de8\u5883\u532f\u6b3e\u7684\u4e3b\u8981\u65b9\u5f0f\u3002  \u5728\u67d0\u4e9b\u5e02\u5834\uff0c\u6d41\u52d5\u9322\u5305\u5c0d\u4fc3\u9032\u91d1\u878d\u666e\u60e0\u767c\u63ee\u66f4\u91cd\u8981\u7684\u89d2\u8272\u3002 \u5728\u5370\u5ea6\u3001\u5357\u975e\u548c\u83f2\u5f8b\u8cd3\uff0c\u5206\u5225\u6709 30%\u300126% \u548c 25% \u7684\u7528\u6236\u9078\u64c7\u6d41\u52d5\u9322\u5305\u4f5c\u70ba\u5176\u4eba\u751f\u4e2d\u9996\u500b\u6b63\u5f0f\u7684\u91d1\u878d\u8cec\u6236\u3002 \u5176\u4e2d 26% \u7528\u6236\u4e4b\u6240\u4ee5\u5982\u6b64\u9078\u64c7\uff0c\u4e43\u56e0\u8a3b\u518a\u7c21\u6613\u3002  \u5118\u7ba1\u51fa\u73fe\u9019\u9805\u8f49\u8b8a\uff0c\u9280\u884c\u4ecd\u7136\u662f\u7d50\u7b97\u57fa\u790e\u8a2d\u65bd\u7684\u6838\u5fc3\u74b0\u7bc0\uff0c\u986f\u793a\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u4e4b\u9593\u9700\u8981\u9032\u4e00\u6b65\u6574\u5408\u3002 \u7a69\u5b9a\u5e63\uff1a\u4fe1\u4efb\u8207\u76e3\u7ba1\u6210\u70ba\u7d42\u6975\u96e3\u95dc \u5168\u7403\u50c5 11% \u4eba\u53e3\u6163\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u8de8\u5883\u532f\u6b3e\uff0c\u60df\u90e8\u5206\u7279\u5b9a\u5e02\u5834\u5c0d\u6578\u78bc\u8cc7\u7522\u5c55\u73fe\u51fa\u6975\u5927\u6e34\u6c42\uff1a   \u4ee5\u5c3c\u65e5\u5229\u4e9e\u70ba\u4f8b\uff0c\u6709 40% \u7684\u53d7\u8a2a\u8005\u8868\u793a\u6703\u4f7f\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u9032\u884c\u8de8\u5883\u532f\u6b3e\uff0c\u50c5 19% \u8868\u793a\u5f9e\u672a\u807d\u904e\u7a69\u5b9a\u5e63\uff0c\u76f8\u6bd4\u4e4b\u4e0b\u5168\u7403\u5e73\u5747\u6bd4\u4f8b\u70ba 38%\u3002 \u5c0d\u6578\u78bc\u8cc7\u7522\u7522\u54c1\u8d8a\u8a8d\u8b58\u3001\u8d8a\u7406\u89e3\uff0c\u91d1\u878d\u6d3b\u52d5\u61c9\u7528\u5c31\u81ea\u7136\u8d8a\u5ee3\u6cdb\u3002  \u6b50\u6d32\u65b9\u9762\uff0c59% \u53d7\u8a2a\u8005\u5f9e\u672a\u807d\u805e\u7a69\u5b9a\u5e63\uff0c\u50c5 8% \u5831\u7a31\u66fe\u7d93\u4f7f\u7528\u3002 \u5373\u4f7f\u6b50\u6d32\u5728\u76e3\u7ba1\u4e0a\u5f15\u9818\u5168\u7403\uff0c\u5305\u62ec\u63a8\u51fa\u300a\u6b50\u76df\u52a0\u5bc6\u8cc7\u7522\u5e02\u5834\u6cd5\u6848\u300b(MiCA) \u4ee5\u91d0\u6e05\u6578\u78bc\u8cc7\u7522\u898f\u5247\u4e26\u4fdd\u969c\u6d88\u8cbb\u8005\uff0c\u4f46\u4e0a\u8ff0\u60c5\u6cc1\u4ecd\u7136\u5b58\u5728\u3002  \u653e\u773c\u5168\u7403\u975e\u4f7f\u7528\u8005\uff0c\u6700\u5927\u969c\u7919\u5728\u65bc\u8a50\u9a19\u98a8\u96aa (25%)\uff0c\u5176\u6b21\u70ba\u5c0d\u73fe\u6709\u652f\u4ed8\u65b9\u5f0f\u7684\u6eff\u610f (23%)\uff0c\u53ef\u898b\u963b\u529b\u4e26\u975e\u7d14\u7cb9\u9700\u6c42\u5331\u4e4f\uff0c\u800c\u662f\u5e02\u5834\u9700\u8981\u66f4\u7a69\u56fa\u7684\u4fe1\u4efb\u3001\u66f4\u5b8c\u5584\u7684\u76e3\u7ba1\uff0c\u4ee5\u53ca\u8207\u6b63\u898f\u91d1\u878d\u9ad4\u7cfb\u66f4\u4f73\u7684\u4e92\u901a\u6027\u3002  Thunes \u71df\u92b7\u7e3d\u76e3 Mathieu Limousi \u8868\u793a\uff1a\u300c\u6211\u5011\u6b63\u5728\u76ee\u7779\u5168\u7403\u91d1\u878d\u4e00\u5927\u77db\u76fe\u73fe\u8c61\uff1a\u672c\u5730\u652f\u4ed8\u5df2\u7d93\u505a\u5230\u5373\u6642\u5230\u8cec\uff0c\u4f46\u8cc7\u91d1\u4e00\u65e6\u8de8\u8d8a\u908a\u5883\uff0c\u5275\u65b0\u5f80\u5f80\u4fbf\u621b\u7136\u800c\u6b62\u3002 \u6211\u5011\u7684\u4e92\u901a\u6027\u6307\u6578\u5370\u8b49\uff0c\u5168\u7403\u91d1\u878d\u666e\u60e0\u7684\u6c7a\u52dd\u4e4b\u5730\uff0c\u4e0d\u5728\u65bc\u92ea\u8a2d\u66f4\u591a\u57fa\u5efa\uff0c\u800c\u5728\u65bc\u4e32\u806f\u73fe\u6709\u7684\u4e00\u5207\u3002 \u6d41\u52d5\u9322\u5305\u3001\u6578\u78bc\u8cc7\u7522\u8207\u50b3\u7d71\u9280\u884c\uff0c\u7686\u5728\u6025\u901f\u64f4\u5f35\uff0c\u537b\u5982\u540c\u5b64\u5cf6\u822c\u5404\u81ea\u904b\u4f5c\u3002 \u552f\u6709\u5f37\u8feb\u9019\u4e9b\u4e92\u4e0d\u76f8\u9023\u7684\u7db2\u7d61\u5f7c\u6b64\u5c0d\u8a71\uff0c\u78ba\u4fdd\u79d1\u6280\u4e0d\u6b62\u6b65\u65bc\u908a\u5883\uff0c\u771f\u6b63\u7684\u91d1\u878d\u6d41\u52d5\u65b9\u80fd\u5be6\u73fe\u3002\u300d Juniper Research \u7814\u7a76\u526f\u7e3d\u88c1 Nick Maynard \u88dc\u5145\u9053\uff1a\u300c\u6578\u64da\u6e05\u695a\u986f\u793a\uff0c\u6211\u5011\u6b63\u9762\u5c0d\u7d50\u69cb\u6027\u50f5\u5c40\u3002 \u8de8\u5883\u963b\u529b\uff0c\u5df2\u975e\u5c40\u90e8\u652f\u4ed8\u8ecc\u9053\u554f\u984c\uff0c\u800c\u662f\u5168\u7403\u4e92\u901a\u6027\u5371\u6a5f\u3002 \u672c\u5730\u57fa\u5efa\u96d6\u5df2\u9054\u5be6\u6642\u901f\u5ea6\uff0c\u9023\u63a5\u5404\u570b\u7684\u8de8\u5883\u6e20\u9053\u537b\u4f9d\u820a\u652f\u96e2\u7834\u788e\u3002 \u5373\u4f7f\u5728\u79d1\u6280\u9818\u5148\u7684\u5e02\u5834\uff0c\u5168\u7403\u652f\u4ed8\u4ecd\u7136\u5728\u300e\u6700\u5f8c\u4e00\u91cc\u300f\u51fa\u73fe\u554f\u984c\uff0c\u7686\u56e0\u4e0d\u540c\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u672a\u80fd\u7121\u7e2b\u4e92\u52d5\u3002\u300d \u4e0b\u8f09\u5b8c\u6574\u5831\u544a\uff1a\u300aThe Thunes Cross-border Payments Interoperability Index\u300b\u3002 \u7814\u7a76\u65b9\u6cd5 \u6b64\u5831\u544a\u6e90\u81ea Juniper Research \u65bc 2026 \u5e74 4 \u6708\u9032\u884c\u7684\u7db2\u4e0a\u6d88\u8cbb\u8005\u8abf\u67e5\uff0c\u53d7\u8a2a\u8005\u9054 6,763 \u4eba\uff0c\u904d\u53ca 10 \u500b\u570b\u5bb6\uff1a\u7f8e\u570b\u3001\u5df4\u897f\u3001\u6c99\u7279\u963f\u62c9\u4f2f\u738b\u570b\u3001\u4e2d\u570b\u3001\u5370\u5ea6\u3001\u83f2\u5f8b\u8cd3\u3001\u82f1\u570b\u3001\u5fb7\u570b\u3001\u5357\u975e\u53ca\u5c3c\u65e5\u5229\u4e9e\u3002 \u8a72\u4e92\u901a\u6027\u6307\u6578\u8a55\u4f30\u4e86 50 \u500b\u5e02\u5834\uff0c\u5176\u63a1\u7528\u5c08\u6709\u7684\u8abf\u67e5\u6578\u64da\u4ee5\u53ca\u591a\u500b\u65e2\u5b9a\u57fa\u6e96\uff0c\u5305\u62ec\u4e16\u754c\u9280\u884c 2025 \u5e74\u5168\u7403\u91d1\u878d\u5305\u5bb9\u6027\u6307\u6578\u8cc7\u6599\u5eab (World Bank Global Findex Database 2025) \u548c\u4e16\u754c\u9280\u884c\u532f\u6b3e\u6210\u672c\u6578\u64da (World Bank remittance cost data)\u3002 \u95dc\u65bc Thunes \u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1a https:\/\/www.thunes.com\/ \u95dc\u65bc Juniper Research \u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1awww.juniperresearch.com\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pingtungtimes.com.tw\/?p=441511\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Thunes \u7814\u7a76\u63ed\u793a\u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u7f3a\u53e3\uff1a\u672c\u5730\u5275\u65b0\u96e3\u4ee5\u8de8\u8d8a\u908a\u5883 - \u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831\" \/>\n<meta property=\"og:description\" content=\"Thunes \u8207 Juniper Research \u9996\u5ea6\u5408\u529b\u7de8\u88fd\u4e92\u901a\u6027\u6307\u6578\uff0c\u7d50\u679c\u63ed\u793a\uff1a\u672c\u5730\u7db2\u7d61\u96d6\u5728\u9032\u6b65\uff0c\u773e\u591a\u8de8\u5883\u652f\u4ed8\u537b\u4f9d\u6df1\u9677\u5168\u7403\u50f5\u5c40\u3002 \u963f\u59c6\u65af\u7279\u4e392026\u5e746\u67082\u65e5 \/\u7f8e\u901a\u793e\/ -- \u5373\u4f7f\u6709 50% \u7684\u6536\u6b3e\u4eba\u8a8d\u70ba\u901f\u5ea6\u6700\u91cd\u8981\uff0c\u4ecd\u6709\u8d85\u904e\u5341\u5104\u4eba\u8981\u7b49\u4e0a\u597d\u5e7e\u5929\u624d\u80fd\u6536\u5230\u8de8\u5883\u532f\u6b3e\u3002 Thunes \u8207 Juniper Research \u6700\u65b0\u5831\u544a\u63ed\u793a\uff0c\u6d88\u8cbb\u8005\u5fc3\u4e2d\u7684\u671f\u76fc\uff0c\u8207\u73fe\u5be6\u4e2d\u8de8\u5883\u652f\u4ed8\u7db2\u7d61\u7684\u9072\u7de9\u8207\u96f6\u6563\uff0c\u5f62\u6210\u9bae\u660e\u5c0d\u6bd4\u3002 \u5831\u544a\u4ea6\u63ed\u793a\u91d1\u878d\u696d\u4e00\u5927\u76f2\u9ede\uff1a\u672c\u5730\u652f\u4ed8\u7cfb\u7d71\u96d6\u8f03\u5f80\u6614\u66f4\u5feb\u66f4\u5148\u9032\uff0c\u5275\u65b0\u537b\u6b62\u6b65\u65bc\u908a\u5883\u3002 \u8de8\u5883\u4e92\u901a\u6027\uff0c\u5373\u4e0d\u53d7\u5730\u57df\u6216\u5e95\u5c64\u7cfb\u7d71\u9650\u5236\u3001\u80fd\u5920\u9806\u66a2\u5730\u8de8\u5883\u8f49\u79fb\u8cc7\u91d1\u7684\u80fd\u529b\uff0c\u81f3\u4eca\u4ecd\u672a\u80fd\u5be6\u73fe\u3002 \u70ba\u4e86\u5448\u73fe\u9019\u4e9b\u7f3a\u53e3\uff0c\u9996\u4efdThunes Cross-Border Payments Interoperability Index\uff08Thunes \u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u6307\u6578\uff09 \u7d50\u5408 Juniper Research \u7684\u6d1e\u5bdf\u5206\u6790\u6b63\u5f0f\u9762\u4e16\uff0c\u4e26\u70ba 50 \u500b\u570b\u5bb6\u8a02\u5b9a\u57fa\u6e96\u6392\u540d\u3002 \u7814\u7a76\u7d50\u679c\u986f\u793a\uff0c\u5404\u5730\u5340\u96d6\u5b58\u5728\u986f\u8457\u5dee\u7570\uff0c\u4f46\u5168\u7403\u5747\u9762\u81e8\u5171\u540c\u554f\u984c\uff1a\u4e92\u901a\u6027\u4e0d\u8db3\u5f71\u97ff\u6240\u6709\u5730\u5340\uff0c\u8b49\u660e\u672c\u5730\u767c\u5c55\u5373\u4f7f\u518d\u5148\u9032\uff0c\u4ea6\u4e0d\u4ee3\u8868\u80fd\u81ea\u52d5\u5be6\u73fe\u7121\u7e2b\u7684\u570b\u969b\u9023\u63a5\u3002 \u5730\u5340\u6982\u6cc1\uff1a\u5275\u65b0\u6709\u9918\uff0c\u9023\u63a5\u4e0d\u8db3   \u6b50\u6d32\uff08\u4e92\u901a\u6027\u9818\u5148\u5168\u7403\uff09\uff1a\u524d 20 \u540d\u5e2d\u4f4d\u4e2d\uff0c\u6b50\u6d32\u4f54\u64da 16 \u5e2d\u3002 \u6b50\u6d32\u5730\u5340\u9ad8\u8e1e\u5168\u7403\u699c\u9996\uff0c\u5168\u8cf4\u6574\u5408\u7684\u55ae\u4e00\u6b50\u5143\u652f\u4ed8\u5340 (SEPA) \u7db2\u7d61\uff0c\u6b64\u7db2\u7d61\u53ef\u5728 10 \u79d2\u5167\u8655\u7406\u8de8\u5883\u6b50\u5143\u8f49\u8cec\u3002 \u7136\u800c\uff0c\u9019\u7a2e\u6d41\u66a2\u7121\u963b\u7684\u9ad4\u9a57\u57fa\u672c\u4e0a\u53ea\u5c40\u9650\u65bc\u6b50\u5143\u5340\u4e4b\u5167\u3002  \u7f8e\u6d32\uff1a\u570b\uff08\u6392\u540d\u7b2c 21 \u4f4d\uff09\uff0c\u7e31\u6709\u5f88\u591a\u8de8\u5883\u652f\u4ed8\u516c\u53f8\u843d\u6236\u7576\u5730\uff0c\u4f46\u537b\u53cd\u6620\u51fa\u9069\u61c9\u80fd\u529b\u4e0a\u7684\u5dee\u8ddd\uff0c\u5176\u5206\u6563\u7684\u9280\u884c\u9ad4\u7cfb\u62d6\u6162\u8207\u5168\u7403\u5be6\u6642\u652f\u4ed8\u7cfb\u7d71\u7684\u63a5\u8ecc\u3002 \u53e6\u4e00\u908a\u5ec2\uff0c\u5df4\u897f PIX \u5728\u672c\u571f\u96d6\u5927\u653e\u7570\u5f69\uff0c\u4f46\u56b4\u683c\u7684\u8ca8\u5e63\u7ba1\u63a7\uff0c\u4ee4 42% \u7684\u570b\u969b\u6536\u6b3e\u4eba\u4ecd\u8981\u9762\u5c0d\u6578\u5929\u5ef6\u8aa4\u3002  \u4e9e\u592a\u5340\uff1a\u65b0\u52a0\u5761\uff08\u6392\u540d\u7b2c 2\uff09\u64c5\u9577\u8207\u4ed6\u570b\u5efa\u7acb\u76f4\u63a5\u96d9\u908a\u806f\u7e6b\uff0c\u7136\u800c\u8de8\u5883\u4e92\u806f\u7a0b\u5ea6\u5f97\u5206\u504f\u4f4e\u3002 \u5370\u5ea6\u53ca\u4e2d\u570b\u5169\u5927\u570b\u6392\u540d\u504f\u4f4e\uff0c\u7686\u56e0\u5176\u9ad8\u6548\u7cfb\u7d71\u904e\u65bc\u5074\u91cd\u672c\u571f\uff0c\u81f4\u4f7f 46% \u7684\u5370\u5ea6\u6536\u6b3e\u4eba\u53ca 30% \u7684\u4e2d\u570b\u6536\u6b3e\u4eba\u8981\u82e6\u5019\u6578\u65e5\uff0c\u65b9\u80fd\u6536\u5230\u6d77\u5916\u8cc7\u91d1\u3002 \u6b64\u5916\uff0c\u6771\u4e9e\u3001\u5357\u4e9e\u53ca\u6771\u5357\u4e9e\u7684\u6d41\u52d5\u9322\u5305\u61c9\u7528\u60c5\u6cc1\u6975\u70ba\u5b64\u7acb\uff0c\u672a\u80fd\u5728\u5168\u7403\u5c64\u9762\u5be6\u73fe\u539f\u751f\u4e92\u806f\u4e92\u901a\u3002  \u4e2d\u6771\uff1a\u963f\u806f\u914b (UAE) \u53ca\u6c99\u7279\u963f\u62c9\u4f2f\u7b49\u5e02\u5834\u96d6\u5177\u5099\u5148\u9032\u79d1\u6280\u57fa\u5efa\uff0c\u60df\u65e5\u5e38\u751f\u6d3b\u4f9d\u7136\u6df1\u7e6b\u5be6\u9ad4\u8ca8\u5e63\u3002 72% \u7684\u6c99\u7279\u516c\u6c11\u6bcf\u9031\u81f3\u5c11\u4f7f\u7528\u4e00\u6b21\u73fe\u91d1\uff0c\u9650\u5236\u4e86\u6578\u78bc\u8de8\u5883\u7db2\u7d61\u7684\u5373\u6642\u62d3\u5c55\u3002  \u975e\u6d32\uff1a\u975e\u6d32\u5730\u5340\u5728\u672c\u5730\u91d1\u878d\u79d1\u6280\u5275\u65b0\u65b9\u9762\u5f15\u9818\u5728\u524d\uff0c\u7279\u5225\u662f\u80af\u96c5\u7684\u6d41\u52d5\u8ca8\u5e63\u548c\u5c3c\u65e5\u5229\u4e9e\u7684\u6578\u78bc\u8cc7\u7522\u3002\u4f46\u7531\u65bc\u570b\u969b\u9280\u884c\u9678\u7e8c\u7e2e\u6e1b\u5728\u9019\u4e9b\u5730\u5340\u7684\u4ee3\u7406\u884c\u95dc\u4fc2\uff0c\u975e\u6d32\u7684\u6574\u9ad4\u6392\u540d\u8f03\u4f4e\uff0c\u53cd\u6620\u51fa\u66f4\u5ee3\u6cdb\u7684\u5168\u7403\u963b\u529b\u3002  \u884c\u52d5\u9322\u5305\u666e\u53ca\u7387\u7684\u589e\u9577 \u5831\u544a\u4ea6\u78ba\u8a8d\uff0c\u4eba\u5011\u6536\u767c\u570b\u969b\u4ed8\u6b3e\u7684\u65b9\u5f0f\u6b63\u7d93\u6b77\u91cd\u5927\u8b8a\u9769\uff1a   \u6d41\u52d5\u9322\u5305\u548c\u652f\u4ed8\u61c9\u7528\u7a0b\u5f0f\u73fe\u5df2\u6210\u70ba\u570b\u969b\u532f\u6b3e\u7684\u4e3b\u8981\u6e20\u9053\uff0c\u5168\u7403\u6709 48% \u7684\u53d7\u8a2a\u8005\u4ee5\u6b64\u4f5c\u70ba\u8de8\u5883\u532f\u6b3e\u7684\u4e3b\u8981\u65b9\u5f0f\u3002  \u5728\u67d0\u4e9b\u5e02\u5834\uff0c\u6d41\u52d5\u9322\u5305\u5c0d\u4fc3\u9032\u91d1\u878d\u666e\u60e0\u767c\u63ee\u66f4\u91cd\u8981\u7684\u89d2\u8272\u3002 \u5728\u5370\u5ea6\u3001\u5357\u975e\u548c\u83f2\u5f8b\u8cd3\uff0c\u5206\u5225\u6709 30%\u300126% \u548c 25% \u7684\u7528\u6236\u9078\u64c7\u6d41\u52d5\u9322\u5305\u4f5c\u70ba\u5176\u4eba\u751f\u4e2d\u9996\u500b\u6b63\u5f0f\u7684\u91d1\u878d\u8cec\u6236\u3002 \u5176\u4e2d 26% \u7528\u6236\u4e4b\u6240\u4ee5\u5982\u6b64\u9078\u64c7\uff0c\u4e43\u56e0\u8a3b\u518a\u7c21\u6613\u3002  \u5118\u7ba1\u51fa\u73fe\u9019\u9805\u8f49\u8b8a\uff0c\u9280\u884c\u4ecd\u7136\u662f\u7d50\u7b97\u57fa\u790e\u8a2d\u65bd\u7684\u6838\u5fc3\u74b0\u7bc0\uff0c\u986f\u793a\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u4e4b\u9593\u9700\u8981\u9032\u4e00\u6b65\u6574\u5408\u3002 \u7a69\u5b9a\u5e63\uff1a\u4fe1\u4efb\u8207\u76e3\u7ba1\u6210\u70ba\u7d42\u6975\u96e3\u95dc \u5168\u7403\u50c5 11% \u4eba\u53e3\u6163\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u8de8\u5883\u532f\u6b3e\uff0c\u60df\u90e8\u5206\u7279\u5b9a\u5e02\u5834\u5c0d\u6578\u78bc\u8cc7\u7522\u5c55\u73fe\u51fa\u6975\u5927\u6e34\u6c42\uff1a   \u4ee5\u5c3c\u65e5\u5229\u4e9e\u70ba\u4f8b\uff0c\u6709 40% \u7684\u53d7\u8a2a\u8005\u8868\u793a\u6703\u4f7f\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u9032\u884c\u8de8\u5883\u532f\u6b3e\uff0c\u50c5 19% \u8868\u793a\u5f9e\u672a\u807d\u904e\u7a69\u5b9a\u5e63\uff0c\u76f8\u6bd4\u4e4b\u4e0b\u5168\u7403\u5e73\u5747\u6bd4\u4f8b\u70ba 38%\u3002 \u5c0d\u6578\u78bc\u8cc7\u7522\u7522\u54c1\u8d8a\u8a8d\u8b58\u3001\u8d8a\u7406\u89e3\uff0c\u91d1\u878d\u6d3b\u52d5\u61c9\u7528\u5c31\u81ea\u7136\u8d8a\u5ee3\u6cdb\u3002  \u6b50\u6d32\u65b9\u9762\uff0c59% \u53d7\u8a2a\u8005\u5f9e\u672a\u807d\u805e\u7a69\u5b9a\u5e63\uff0c\u50c5 8% \u5831\u7a31\u66fe\u7d93\u4f7f\u7528\u3002 \u5373\u4f7f\u6b50\u6d32\u5728\u76e3\u7ba1\u4e0a\u5f15\u9818\u5168\u7403\uff0c\u5305\u62ec\u63a8\u51fa\u300a\u6b50\u76df\u52a0\u5bc6\u8cc7\u7522\u5e02\u5834\u6cd5\u6848\u300b(MiCA) \u4ee5\u91d0\u6e05\u6578\u78bc\u8cc7\u7522\u898f\u5247\u4e26\u4fdd\u969c\u6d88\u8cbb\u8005\uff0c\u4f46\u4e0a\u8ff0\u60c5\u6cc1\u4ecd\u7136\u5b58\u5728\u3002  \u653e\u773c\u5168\u7403\u975e\u4f7f\u7528\u8005\uff0c\u6700\u5927\u969c\u7919\u5728\u65bc\u8a50\u9a19\u98a8\u96aa (25%)\uff0c\u5176\u6b21\u70ba\u5c0d\u73fe\u6709\u652f\u4ed8\u65b9\u5f0f\u7684\u6eff\u610f (23%)\uff0c\u53ef\u898b\u963b\u529b\u4e26\u975e\u7d14\u7cb9\u9700\u6c42\u5331\u4e4f\uff0c\u800c\u662f\u5e02\u5834\u9700\u8981\u66f4\u7a69\u56fa\u7684\u4fe1\u4efb\u3001\u66f4\u5b8c\u5584\u7684\u76e3\u7ba1\uff0c\u4ee5\u53ca\u8207\u6b63\u898f\u91d1\u878d\u9ad4\u7cfb\u66f4\u4f73\u7684\u4e92\u901a\u6027\u3002  Thunes \u71df\u92b7\u7e3d\u76e3 Mathieu Limousi \u8868\u793a\uff1a\u300c\u6211\u5011\u6b63\u5728\u76ee\u7779\u5168\u7403\u91d1\u878d\u4e00\u5927\u77db\u76fe\u73fe\u8c61\uff1a\u672c\u5730\u652f\u4ed8\u5df2\u7d93\u505a\u5230\u5373\u6642\u5230\u8cec\uff0c\u4f46\u8cc7\u91d1\u4e00\u65e6\u8de8\u8d8a\u908a\u5883\uff0c\u5275\u65b0\u5f80\u5f80\u4fbf\u621b\u7136\u800c\u6b62\u3002 \u6211\u5011\u7684\u4e92\u901a\u6027\u6307\u6578\u5370\u8b49\uff0c\u5168\u7403\u91d1\u878d\u666e\u60e0\u7684\u6c7a\u52dd\u4e4b\u5730\uff0c\u4e0d\u5728\u65bc\u92ea\u8a2d\u66f4\u591a\u57fa\u5efa\uff0c\u800c\u5728\u65bc\u4e32\u806f\u73fe\u6709\u7684\u4e00\u5207\u3002 \u6d41\u52d5\u9322\u5305\u3001\u6578\u78bc\u8cc7\u7522\u8207\u50b3\u7d71\u9280\u884c\uff0c\u7686\u5728\u6025\u901f\u64f4\u5f35\uff0c\u537b\u5982\u540c\u5b64\u5cf6\u822c\u5404\u81ea\u904b\u4f5c\u3002 \u552f\u6709\u5f37\u8feb\u9019\u4e9b\u4e92\u4e0d\u76f8\u9023\u7684\u7db2\u7d61\u5f7c\u6b64\u5c0d\u8a71\uff0c\u78ba\u4fdd\u79d1\u6280\u4e0d\u6b62\u6b65\u65bc\u908a\u5883\uff0c\u771f\u6b63\u7684\u91d1\u878d\u6d41\u52d5\u65b9\u80fd\u5be6\u73fe\u3002\u300d Juniper Research \u7814\u7a76\u526f\u7e3d\u88c1 Nick Maynard \u88dc\u5145\u9053\uff1a\u300c\u6578\u64da\u6e05\u695a\u986f\u793a\uff0c\u6211\u5011\u6b63\u9762\u5c0d\u7d50\u69cb\u6027\u50f5\u5c40\u3002 \u8de8\u5883\u963b\u529b\uff0c\u5df2\u975e\u5c40\u90e8\u652f\u4ed8\u8ecc\u9053\u554f\u984c\uff0c\u800c\u662f\u5168\u7403\u4e92\u901a\u6027\u5371\u6a5f\u3002 \u672c\u5730\u57fa\u5efa\u96d6\u5df2\u9054\u5be6\u6642\u901f\u5ea6\uff0c\u9023\u63a5\u5404\u570b\u7684\u8de8\u5883\u6e20\u9053\u537b\u4f9d\u820a\u652f\u96e2\u7834\u788e\u3002 \u5373\u4f7f\u5728\u79d1\u6280\u9818\u5148\u7684\u5e02\u5834\uff0c\u5168\u7403\u652f\u4ed8\u4ecd\u7136\u5728\u300e\u6700\u5f8c\u4e00\u91cc\u300f\u51fa\u73fe\u554f\u984c\uff0c\u7686\u56e0\u4e0d\u540c\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u672a\u80fd\u7121\u7e2b\u4e92\u52d5\u3002\u300d \u4e0b\u8f09\u5b8c\u6574\u5831\u544a\uff1a\u300aThe Thunes Cross-border Payments Interoperability Index\u300b\u3002 \u7814\u7a76\u65b9\u6cd5 \u6b64\u5831\u544a\u6e90\u81ea Juniper Research \u65bc 2026 \u5e74 4 \u6708\u9032\u884c\u7684\u7db2\u4e0a\u6d88\u8cbb\u8005\u8abf\u67e5\uff0c\u53d7\u8a2a\u8005\u9054 6,763 \u4eba\uff0c\u904d\u53ca 10 \u500b\u570b\u5bb6\uff1a\u7f8e\u570b\u3001\u5df4\u897f\u3001\u6c99\u7279\u963f\u62c9\u4f2f\u738b\u570b\u3001\u4e2d\u570b\u3001\u5370\u5ea6\u3001\u83f2\u5f8b\u8cd3\u3001\u82f1\u570b\u3001\u5fb7\u570b\u3001\u5357\u975e\u53ca\u5c3c\u65e5\u5229\u4e9e\u3002 \u8a72\u4e92\u901a\u6027\u6307\u6578\u8a55\u4f30\u4e86 50 \u500b\u5e02\u5834\uff0c\u5176\u63a1\u7528\u5c08\u6709\u7684\u8abf\u67e5\u6578\u64da\u4ee5\u53ca\u591a\u500b\u65e2\u5b9a\u57fa\u6e96\uff0c\u5305\u62ec\u4e16\u754c\u9280\u884c 2025 \u5e74\u5168\u7403\u91d1\u878d\u5305\u5bb9\u6027\u6307\u6578\u8cc7\u6599\u5eab (World Bank Global Findex Database 2025) \u548c\u4e16\u754c\u9280\u884c\u532f\u6b3e\u6210\u672c\u6578\u64da (World Bank remittance cost data)\u3002 \u95dc\u65bc Thunes \u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1a https:\/\/www.thunes.com\/ \u95dc\u65bc Juniper Research \u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1awww.juniperresearch.com\" \/>\n<meta property=\"og:url\" content=\"https:\/\/pingtungtimes.com.tw\/?p=441511\" \/>\n<meta property=\"og:site_name\" content=\"\u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pingtungnews\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-02T14:15:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/pingtungtimes.com.tw\/wp-content\/uploads\/2023\/02\/logo-150.png\" \/>\n<meta name=\"author\" content=\"\u7f8e\u901a\u793e\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/pingtungtimes.com.tw\/wp-content\/uploads\/2023\/02\/logo-150.png\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005:\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u7f8e\u901a\u793e\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=441511#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=441511\"},\"author\":{\"name\":\"\u7f8e\u901a\u793e\",\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/#\\\/schema\\\/person\\\/683b937f29ec1537972f6c41e22a2cf3\"},\"headline\":\"Thunes \u7814\u7a76\u63ed\u793a\u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u7f3a\u53e3\uff1a\u672c\u5730\u5275\u65b0\u96e3\u4ee5\u8de8\u8d8a\u908a\u5883\",\"datePublished\":\"2026-06-02T14:15:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=441511\"},\"wordCount\":55,\"publisher\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=441511#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/logo-150.png\",\"articleSection\":[\"\u7f8e\u901a\u793e\"],\"inLanguage\":\"zh-TW\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=441511\",\"url\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=441511\",\"name\":\"Thunes \u7814\u7a76\u63ed\u793a\u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u7f3a\u53e3\uff1a\u672c\u5730\u5275\u65b0\u96e3\u4ee5\u8de8\u8d8a\u908a\u5883 - \u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=441511#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/?p=441511#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/pingtungtimes.com.tw\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/logo-150.png\",\"datePublished\":\"2026-06-02T14:15:00+00:00\",\"description\":\"Thunes \u8207 Juniper Research \u9996\u5ea6\u5408\u529b\u7de8\u88fd\u4e92\u901a\u6027\u6307\u6578\uff0c\u7d50\u679c\u63ed\u793a\uff1a\u672c\u5730\u7db2\u7d61\u96d6\u5728\u9032\u6b65\uff0c\u773e\u591a\u8de8\u5883\u652f\u4ed8\u537b\u4f9d\u6df1\u9677\u5168\u7403\u50f5\u5c40\u3002 \u963f\u59c6\u65af\u7279\u4e392026\u5e746\u67082\u65e5 \\\/\u7f8e\u901a\u793e\\\/ -- \u5373\u4f7f\u6709 50% \u7684\u6536\u6b3e\u4eba\u8a8d\u70ba\u901f\u5ea6\u6700\u91cd\u8981\uff0c\u4ecd\u6709\u8d85\u904e\u5341\u5104\u4eba\u8981\u7b49\u4e0a\u597d\u5e7e\u5929\u624d\u80fd\u6536\u5230\u8de8\u5883\u532f\u6b3e\u3002 Thunes \u8207 Juniper Research \u6700\u65b0\u5831\u544a\u63ed\u793a\uff0c\u6d88\u8cbb\u8005\u5fc3\u4e2d\u7684\u671f\u76fc\uff0c\u8207\u73fe\u5be6\u4e2d\u8de8\u5883\u652f\u4ed8\u7db2\u7d61\u7684\u9072\u7de9\u8207\u96f6\u6563\uff0c\u5f62\u6210\u9bae\u660e\u5c0d\u6bd4\u3002 \u5831\u544a\u4ea6\u63ed\u793a\u91d1\u878d\u696d\u4e00\u5927\u76f2\u9ede\uff1a\u672c\u5730\u652f\u4ed8\u7cfb\u7d71\u96d6\u8f03\u5f80\u6614\u66f4\u5feb\u66f4\u5148\u9032\uff0c\u5275\u65b0\u537b\u6b62\u6b65\u65bc\u908a\u5883\u3002 \u8de8\u5883\u4e92\u901a\u6027\uff0c\u5373\u4e0d\u53d7\u5730\u57df\u6216\u5e95\u5c64\u7cfb\u7d71\u9650\u5236\u3001\u80fd\u5920\u9806\u66a2\u5730\u8de8\u5883\u8f49\u79fb\u8cc7\u91d1\u7684\u80fd\u529b\uff0c\u81f3\u4eca\u4ecd\u672a\u80fd\u5be6\u73fe\u3002 \u70ba\u4e86\u5448\u73fe\u9019\u4e9b\u7f3a\u53e3\uff0c\u9996\u4efdThunes Cross-Border Payments Interoperability Index\uff08Thunes \u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u6307\u6578\uff09 \u7d50\u5408 Juniper Research \u7684\u6d1e\u5bdf\u5206\u6790\u6b63\u5f0f\u9762\u4e16\uff0c\u4e26\u70ba 50 \u500b\u570b\u5bb6\u8a02\u5b9a\u57fa\u6e96\u6392\u540d\u3002 \u7814\u7a76\u7d50\u679c\u986f\u793a\uff0c\u5404\u5730\u5340\u96d6\u5b58\u5728\u986f\u8457\u5dee\u7570\uff0c\u4f46\u5168\u7403\u5747\u9762\u81e8\u5171\u540c\u554f\u984c\uff1a\u4e92\u901a\u6027\u4e0d\u8db3\u5f71\u97ff\u6240\u6709\u5730\u5340\uff0c\u8b49\u660e\u672c\u5730\u767c\u5c55\u5373\u4f7f\u518d\u5148\u9032\uff0c\u4ea6\u4e0d\u4ee3\u8868\u80fd\u81ea\u52d5\u5be6\u73fe\u7121\u7e2b\u7684\u570b\u969b\u9023\u63a5\u3002 \u5730\u5340\u6982\u6cc1\uff1a\u5275\u65b0\u6709\u9918\uff0c\u9023\u63a5\u4e0d\u8db3 \u6b50\u6d32\uff08\u4e92\u901a\u6027\u9818\u5148\u5168\u7403\uff09\uff1a\u524d 20 \u540d\u5e2d\u4f4d\u4e2d\uff0c\u6b50\u6d32\u4f54\u64da 16 \u5e2d\u3002 \u6b50\u6d32\u5730\u5340\u9ad8\u8e1e\u5168\u7403\u699c\u9996\uff0c\u5168\u8cf4\u6574\u5408\u7684\u55ae\u4e00\u6b50\u5143\u652f\u4ed8\u5340 (SEPA) \u7db2\u7d61\uff0c\u6b64\u7db2\u7d61\u53ef\u5728 10 \u79d2\u5167\u8655\u7406\u8de8\u5883\u6b50\u5143\u8f49\u8cec\u3002 \u7136\u800c\uff0c\u9019\u7a2e\u6d41\u66a2\u7121\u963b\u7684\u9ad4\u9a57\u57fa\u672c\u4e0a\u53ea\u5c40\u9650\u65bc\u6b50\u5143\u5340\u4e4b\u5167\u3002 \u7f8e\u6d32\uff1a\u570b\uff08\u6392\u540d\u7b2c 21 \u4f4d\uff09\uff0c\u7e31\u6709\u5f88\u591a\u8de8\u5883\u652f\u4ed8\u516c\u53f8\u843d\u6236\u7576\u5730\uff0c\u4f46\u537b\u53cd\u6620\u51fa\u9069\u61c9\u80fd\u529b\u4e0a\u7684\u5dee\u8ddd\uff0c\u5176\u5206\u6563\u7684\u9280\u884c\u9ad4\u7cfb\u62d6\u6162\u8207\u5168\u7403\u5be6\u6642\u652f\u4ed8\u7cfb\u7d71\u7684\u63a5\u8ecc\u3002 \u53e6\u4e00\u908a\u5ec2\uff0c\u5df4\u897f PIX \u5728\u672c\u571f\u96d6\u5927\u653e\u7570\u5f69\uff0c\u4f46\u56b4\u683c\u7684\u8ca8\u5e63\u7ba1\u63a7\uff0c\u4ee4 42% \u7684\u570b\u969b\u6536\u6b3e\u4eba\u4ecd\u8981\u9762\u5c0d\u6578\u5929\u5ef6\u8aa4\u3002 \u4e9e\u592a\u5340\uff1a\u65b0\u52a0\u5761\uff08\u6392\u540d\u7b2c 2\uff09\u64c5\u9577\u8207\u4ed6\u570b\u5efa\u7acb\u76f4\u63a5\u96d9\u908a\u806f\u7e6b\uff0c\u7136\u800c\u8de8\u5883\u4e92\u806f\u7a0b\u5ea6\u5f97\u5206\u504f\u4f4e\u3002 \u5370\u5ea6\u53ca\u4e2d\u570b\u5169\u5927\u570b\u6392\u540d\u504f\u4f4e\uff0c\u7686\u56e0\u5176\u9ad8\u6548\u7cfb\u7d71\u904e\u65bc\u5074\u91cd\u672c\u571f\uff0c\u81f4\u4f7f 46% \u7684\u5370\u5ea6\u6536\u6b3e\u4eba\u53ca 30% \u7684\u4e2d\u570b\u6536\u6b3e\u4eba\u8981\u82e6\u5019\u6578\u65e5\uff0c\u65b9\u80fd\u6536\u5230\u6d77\u5916\u8cc7\u91d1\u3002 \u6b64\u5916\uff0c\u6771\u4e9e\u3001\u5357\u4e9e\u53ca\u6771\u5357\u4e9e\u7684\u6d41\u52d5\u9322\u5305\u61c9\u7528\u60c5\u6cc1\u6975\u70ba\u5b64\u7acb\uff0c\u672a\u80fd\u5728\u5168\u7403\u5c64\u9762\u5be6\u73fe\u539f\u751f\u4e92\u806f\u4e92\u901a\u3002 \u4e2d\u6771\uff1a\u963f\u806f\u914b (UAE) \u53ca\u6c99\u7279\u963f\u62c9\u4f2f\u7b49\u5e02\u5834\u96d6\u5177\u5099\u5148\u9032\u79d1\u6280\u57fa\u5efa\uff0c\u60df\u65e5\u5e38\u751f\u6d3b\u4f9d\u7136\u6df1\u7e6b\u5be6\u9ad4\u8ca8\u5e63\u3002 72% \u7684\u6c99\u7279\u516c\u6c11\u6bcf\u9031\u81f3\u5c11\u4f7f\u7528\u4e00\u6b21\u73fe\u91d1\uff0c\u9650\u5236\u4e86\u6578\u78bc\u8de8\u5883\u7db2\u7d61\u7684\u5373\u6642\u62d3\u5c55\u3002 \u975e\u6d32\uff1a\u975e\u6d32\u5730\u5340\u5728\u672c\u5730\u91d1\u878d\u79d1\u6280\u5275\u65b0\u65b9\u9762\u5f15\u9818\u5728\u524d\uff0c\u7279\u5225\u662f\u80af\u96c5\u7684\u6d41\u52d5\u8ca8\u5e63\u548c\u5c3c\u65e5\u5229\u4e9e\u7684\u6578\u78bc\u8cc7\u7522\u3002\u4f46\u7531\u65bc\u570b\u969b\u9280\u884c\u9678\u7e8c\u7e2e\u6e1b\u5728\u9019\u4e9b\u5730\u5340\u7684\u4ee3\u7406\u884c\u95dc\u4fc2\uff0c\u975e\u6d32\u7684\u6574\u9ad4\u6392\u540d\u8f03\u4f4e\uff0c\u53cd\u6620\u51fa\u66f4\u5ee3\u6cdb\u7684\u5168\u7403\u963b\u529b\u3002 \u884c\u52d5\u9322\u5305\u666e\u53ca\u7387\u7684\u589e\u9577 \u5831\u544a\u4ea6\u78ba\u8a8d\uff0c\u4eba\u5011\u6536\u767c\u570b\u969b\u4ed8\u6b3e\u7684\u65b9\u5f0f\u6b63\u7d93\u6b77\u91cd\u5927\u8b8a\u9769\uff1a \u6d41\u52d5\u9322\u5305\u548c\u652f\u4ed8\u61c9\u7528\u7a0b\u5f0f\u73fe\u5df2\u6210\u70ba\u570b\u969b\u532f\u6b3e\u7684\u4e3b\u8981\u6e20\u9053\uff0c\u5168\u7403\u6709 48% \u7684\u53d7\u8a2a\u8005\u4ee5\u6b64\u4f5c\u70ba\u8de8\u5883\u532f\u6b3e\u7684\u4e3b\u8981\u65b9\u5f0f\u3002 \u5728\u67d0\u4e9b\u5e02\u5834\uff0c\u6d41\u52d5\u9322\u5305\u5c0d\u4fc3\u9032\u91d1\u878d\u666e\u60e0\u767c\u63ee\u66f4\u91cd\u8981\u7684\u89d2\u8272\u3002 \u5728\u5370\u5ea6\u3001\u5357\u975e\u548c\u83f2\u5f8b\u8cd3\uff0c\u5206\u5225\u6709 30%\u300126% \u548c 25% \u7684\u7528\u6236\u9078\u64c7\u6d41\u52d5\u9322\u5305\u4f5c\u70ba\u5176\u4eba\u751f\u4e2d\u9996\u500b\u6b63\u5f0f\u7684\u91d1\u878d\u8cec\u6236\u3002 \u5176\u4e2d 26% \u7528\u6236\u4e4b\u6240\u4ee5\u5982\u6b64\u9078\u64c7\uff0c\u4e43\u56e0\u8a3b\u518a\u7c21\u6613\u3002 \u5118\u7ba1\u51fa\u73fe\u9019\u9805\u8f49\u8b8a\uff0c\u9280\u884c\u4ecd\u7136\u662f\u7d50\u7b97\u57fa\u790e\u8a2d\u65bd\u7684\u6838\u5fc3\u74b0\u7bc0\uff0c\u986f\u793a\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u4e4b\u9593\u9700\u8981\u9032\u4e00\u6b65\u6574\u5408\u3002 \u7a69\u5b9a\u5e63\uff1a\u4fe1\u4efb\u8207\u76e3\u7ba1\u6210\u70ba\u7d42\u6975\u96e3\u95dc \u5168\u7403\u50c5 11% \u4eba\u53e3\u6163\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u8de8\u5883\u532f\u6b3e\uff0c\u60df\u90e8\u5206\u7279\u5b9a\u5e02\u5834\u5c0d\u6578\u78bc\u8cc7\u7522\u5c55\u73fe\u51fa\u6975\u5927\u6e34\u6c42\uff1a \u4ee5\u5c3c\u65e5\u5229\u4e9e\u70ba\u4f8b\uff0c\u6709 40% \u7684\u53d7\u8a2a\u8005\u8868\u793a\u6703\u4f7f\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u9032\u884c\u8de8\u5883\u532f\u6b3e\uff0c\u50c5 19% \u8868\u793a\u5f9e\u672a\u807d\u904e\u7a69\u5b9a\u5e63\uff0c\u76f8\u6bd4\u4e4b\u4e0b\u5168\u7403\u5e73\u5747\u6bd4\u4f8b\u70ba 38%\u3002 \u5c0d\u6578\u78bc\u8cc7\u7522\u7522\u54c1\u8d8a\u8a8d\u8b58\u3001\u8d8a\u7406\u89e3\uff0c\u91d1\u878d\u6d3b\u52d5\u61c9\u7528\u5c31\u81ea\u7136\u8d8a\u5ee3\u6cdb\u3002 \u6b50\u6d32\u65b9\u9762\uff0c59% \u53d7\u8a2a\u8005\u5f9e\u672a\u807d\u805e\u7a69\u5b9a\u5e63\uff0c\u50c5 8% \u5831\u7a31\u66fe\u7d93\u4f7f\u7528\u3002 \u5373\u4f7f\u6b50\u6d32\u5728\u76e3\u7ba1\u4e0a\u5f15\u9818\u5168\u7403\uff0c\u5305\u62ec\u63a8\u51fa\u300a\u6b50\u76df\u52a0\u5bc6\u8cc7\u7522\u5e02\u5834\u6cd5\u6848\u300b(MiCA) \u4ee5\u91d0\u6e05\u6578\u78bc\u8cc7\u7522\u898f\u5247\u4e26\u4fdd\u969c\u6d88\u8cbb\u8005\uff0c\u4f46\u4e0a\u8ff0\u60c5\u6cc1\u4ecd\u7136\u5b58\u5728\u3002 \u653e\u773c\u5168\u7403\u975e\u4f7f\u7528\u8005\uff0c\u6700\u5927\u969c\u7919\u5728\u65bc\u8a50\u9a19\u98a8\u96aa (25%)\uff0c\u5176\u6b21\u70ba\u5c0d\u73fe\u6709\u652f\u4ed8\u65b9\u5f0f\u7684\u6eff\u610f (23%)\uff0c\u53ef\u898b\u963b\u529b\u4e26\u975e\u7d14\u7cb9\u9700\u6c42\u5331\u4e4f\uff0c\u800c\u662f\u5e02\u5834\u9700\u8981\u66f4\u7a69\u56fa\u7684\u4fe1\u4efb\u3001\u66f4\u5b8c\u5584\u7684\u76e3\u7ba1\uff0c\u4ee5\u53ca\u8207\u6b63\u898f\u91d1\u878d\u9ad4\u7cfb\u66f4\u4f73\u7684\u4e92\u901a\u6027\u3002 Thunes \u71df\u92b7\u7e3d\u76e3 Mathieu Limousi \u8868\u793a\uff1a\u300c\u6211\u5011\u6b63\u5728\u76ee\u7779\u5168\u7403\u91d1\u878d\u4e00\u5927\u77db\u76fe\u73fe\u8c61\uff1a\u672c\u5730\u652f\u4ed8\u5df2\u7d93\u505a\u5230\u5373\u6642\u5230\u8cec\uff0c\u4f46\u8cc7\u91d1\u4e00\u65e6\u8de8\u8d8a\u908a\u5883\uff0c\u5275\u65b0\u5f80\u5f80\u4fbf\u621b\u7136\u800c\u6b62\u3002 \u6211\u5011\u7684\u4e92\u901a\u6027\u6307\u6578\u5370\u8b49\uff0c\u5168\u7403\u91d1\u878d\u666e\u60e0\u7684\u6c7a\u52dd\u4e4b\u5730\uff0c\u4e0d\u5728\u65bc\u92ea\u8a2d\u66f4\u591a\u57fa\u5efa\uff0c\u800c\u5728\u65bc\u4e32\u806f\u73fe\u6709\u7684\u4e00\u5207\u3002 \u6d41\u52d5\u9322\u5305\u3001\u6578\u78bc\u8cc7\u7522\u8207\u50b3\u7d71\u9280\u884c\uff0c\u7686\u5728\u6025\u901f\u64f4\u5f35\uff0c\u537b\u5982\u540c\u5b64\u5cf6\u822c\u5404\u81ea\u904b\u4f5c\u3002 \u552f\u6709\u5f37\u8feb\u9019\u4e9b\u4e92\u4e0d\u76f8\u9023\u7684\u7db2\u7d61\u5f7c\u6b64\u5c0d\u8a71\uff0c\u78ba\u4fdd\u79d1\u6280\u4e0d\u6b62\u6b65\u65bc\u908a\u5883\uff0c\u771f\u6b63\u7684\u91d1\u878d\u6d41\u52d5\u65b9\u80fd\u5be6\u73fe\u3002\u300d Juniper Research \u7814\u7a76\u526f\u7e3d\u88c1 Nick Maynard \u88dc\u5145\u9053\uff1a\u300c\u6578\u64da\u6e05\u695a\u986f\u793a\uff0c\u6211\u5011\u6b63\u9762\u5c0d\u7d50\u69cb\u6027\u50f5\u5c40\u3002 \u8de8\u5883\u963b\u529b\uff0c\u5df2\u975e\u5c40\u90e8\u652f\u4ed8\u8ecc\u9053\u554f\u984c\uff0c\u800c\u662f\u5168\u7403\u4e92\u901a\u6027\u5371\u6a5f\u3002 \u672c\u5730\u57fa\u5efa\u96d6\u5df2\u9054\u5be6\u6642\u901f\u5ea6\uff0c\u9023\u63a5\u5404\u570b\u7684\u8de8\u5883\u6e20\u9053\u537b\u4f9d\u820a\u652f\u96e2\u7834\u788e\u3002 \u5373\u4f7f\u5728\u79d1\u6280\u9818\u5148\u7684\u5e02\u5834\uff0c\u5168\u7403\u652f\u4ed8\u4ecd\u7136\u5728\u300e\u6700\u5f8c\u4e00\u91cc\u300f\u51fa\u73fe\u554f\u984c\uff0c\u7686\u56e0\u4e0d\u540c\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u672a\u80fd\u7121\u7e2b\u4e92\u52d5\u3002\u300d \u4e0b\u8f09\u5b8c\u6574\u5831\u544a\uff1a\u300aThe Thunes Cross-border Payments Interoperability Index\u300b\u3002 \u7814\u7a76\u65b9\u6cd5 \u6b64\u5831\u544a\u6e90\u81ea Juniper Research \u65bc 2026 \u5e74 4 \u6708\u9032\u884c\u7684\u7db2\u4e0a\u6d88\u8cbb\u8005\u8abf\u67e5\uff0c\u53d7\u8a2a\u8005\u9054 6,763 \u4eba\uff0c\u904d\u53ca 10 \u500b\u570b\u5bb6\uff1a\u7f8e\u570b\u3001\u5df4\u897f\u3001\u6c99\u7279\u963f\u62c9\u4f2f\u738b\u570b\u3001\u4e2d\u570b\u3001\u5370\u5ea6\u3001\u83f2\u5f8b\u8cd3\u3001\u82f1\u570b\u3001\u5fb7\u570b\u3001\u5357\u975e\u53ca\u5c3c\u65e5\u5229\u4e9e\u3002 \u8a72\u4e92\u901a\u6027\u6307\u6578\u8a55\u4f30\u4e86 50 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\u6700\u65b0\u5831\u544a\u63ed\u793a\uff0c\u6d88\u8cbb\u8005\u5fc3\u4e2d\u7684\u671f\u76fc\uff0c\u8207\u73fe\u5be6\u4e2d\u8de8\u5883\u652f\u4ed8\u7db2\u7d61\u7684\u9072\u7de9\u8207\u96f6\u6563\uff0c\u5f62\u6210\u9bae\u660e\u5c0d\u6bd4\u3002 \u5831\u544a\u4ea6\u63ed\u793a\u91d1\u878d\u696d\u4e00\u5927\u76f2\u9ede\uff1a\u672c\u5730\u652f\u4ed8\u7cfb\u7d71\u96d6\u8f03\u5f80\u6614\u66f4\u5feb\u66f4\u5148\u9032\uff0c\u5275\u65b0\u537b\u6b62\u6b65\u65bc\u908a\u5883\u3002 \u8de8\u5883\u4e92\u901a\u6027\uff0c\u5373\u4e0d\u53d7\u5730\u57df\u6216\u5e95\u5c64\u7cfb\u7d71\u9650\u5236\u3001\u80fd\u5920\u9806\u66a2\u5730\u8de8\u5883\u8f49\u79fb\u8cc7\u91d1\u7684\u80fd\u529b\uff0c\u81f3\u4eca\u4ecd\u672a\u80fd\u5be6\u73fe\u3002 \u70ba\u4e86\u5448\u73fe\u9019\u4e9b\u7f3a\u53e3\uff0c\u9996\u4efdThunes Cross-Border Payments Interoperability Index\uff08Thunes \u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u6307\u6578\uff09 \u7d50\u5408 Juniper Research \u7684\u6d1e\u5bdf\u5206\u6790\u6b63\u5f0f\u9762\u4e16\uff0c\u4e26\u70ba 50 \u500b\u570b\u5bb6\u8a02\u5b9a\u57fa\u6e96\u6392\u540d\u3002 \u7814\u7a76\u7d50\u679c\u986f\u793a\uff0c\u5404\u5730\u5340\u96d6\u5b58\u5728\u986f\u8457\u5dee\u7570\uff0c\u4f46\u5168\u7403\u5747\u9762\u81e8\u5171\u540c\u554f\u984c\uff1a\u4e92\u901a\u6027\u4e0d\u8db3\u5f71\u97ff\u6240\u6709\u5730\u5340\uff0c\u8b49\u660e\u672c\u5730\u767c\u5c55\u5373\u4f7f\u518d\u5148\u9032\uff0c\u4ea6\u4e0d\u4ee3\u8868\u80fd\u81ea\u52d5\u5be6\u73fe\u7121\u7e2b\u7684\u570b\u969b\u9023\u63a5\u3002 \u5730\u5340\u6982\u6cc1\uff1a\u5275\u65b0\u6709\u9918\uff0c\u9023\u63a5\u4e0d\u8db3   \u6b50\u6d32\uff08\u4e92\u901a\u6027\u9818\u5148\u5168\u7403\uff09\uff1a\u524d 20 \u540d\u5e2d\u4f4d\u4e2d\uff0c\u6b50\u6d32\u4f54\u64da 16 \u5e2d\u3002 \u6b50\u6d32\u5730\u5340\u9ad8\u8e1e\u5168\u7403\u699c\u9996\uff0c\u5168\u8cf4\u6574\u5408\u7684\u55ae\u4e00\u6b50\u5143\u652f\u4ed8\u5340 (SEPA) \u7db2\u7d61\uff0c\u6b64\u7db2\u7d61\u53ef\u5728 10 \u79d2\u5167\u8655\u7406\u8de8\u5883\u6b50\u5143\u8f49\u8cec\u3002 \u7136\u800c\uff0c\u9019\u7a2e\u6d41\u66a2\u7121\u963b\u7684\u9ad4\u9a57\u57fa\u672c\u4e0a\u53ea\u5c40\u9650\u65bc\u6b50\u5143\u5340\u4e4b\u5167\u3002  \u7f8e\u6d32\uff1a\u570b\uff08\u6392\u540d\u7b2c 21 \u4f4d\uff09\uff0c\u7e31\u6709\u5f88\u591a\u8de8\u5883\u652f\u4ed8\u516c\u53f8\u843d\u6236\u7576\u5730\uff0c\u4f46\u537b\u53cd\u6620\u51fa\u9069\u61c9\u80fd\u529b\u4e0a\u7684\u5dee\u8ddd\uff0c\u5176\u5206\u6563\u7684\u9280\u884c\u9ad4\u7cfb\u62d6\u6162\u8207\u5168\u7403\u5be6\u6642\u652f\u4ed8\u7cfb\u7d71\u7684\u63a5\u8ecc\u3002 \u53e6\u4e00\u908a\u5ec2\uff0c\u5df4\u897f PIX \u5728\u672c\u571f\u96d6\u5927\u653e\u7570\u5f69\uff0c\u4f46\u56b4\u683c\u7684\u8ca8\u5e63\u7ba1\u63a7\uff0c\u4ee4 42% \u7684\u570b\u969b\u6536\u6b3e\u4eba\u4ecd\u8981\u9762\u5c0d\u6578\u5929\u5ef6\u8aa4\u3002  \u4e9e\u592a\u5340\uff1a\u65b0\u52a0\u5761\uff08\u6392\u540d\u7b2c 2\uff09\u64c5\u9577\u8207\u4ed6\u570b\u5efa\u7acb\u76f4\u63a5\u96d9\u908a\u806f\u7e6b\uff0c\u7136\u800c\u8de8\u5883\u4e92\u806f\u7a0b\u5ea6\u5f97\u5206\u504f\u4f4e\u3002 \u5370\u5ea6\u53ca\u4e2d\u570b\u5169\u5927\u570b\u6392\u540d\u504f\u4f4e\uff0c\u7686\u56e0\u5176\u9ad8\u6548\u7cfb\u7d71\u904e\u65bc\u5074\u91cd\u672c\u571f\uff0c\u81f4\u4f7f 46% \u7684\u5370\u5ea6\u6536\u6b3e\u4eba\u53ca 30% \u7684\u4e2d\u570b\u6536\u6b3e\u4eba\u8981\u82e6\u5019\u6578\u65e5\uff0c\u65b9\u80fd\u6536\u5230\u6d77\u5916\u8cc7\u91d1\u3002 \u6b64\u5916\uff0c\u6771\u4e9e\u3001\u5357\u4e9e\u53ca\u6771\u5357\u4e9e\u7684\u6d41\u52d5\u9322\u5305\u61c9\u7528\u60c5\u6cc1\u6975\u70ba\u5b64\u7acb\uff0c\u672a\u80fd\u5728\u5168\u7403\u5c64\u9762\u5be6\u73fe\u539f\u751f\u4e92\u806f\u4e92\u901a\u3002  \u4e2d\u6771\uff1a\u963f\u806f\u914b (UAE) \u53ca\u6c99\u7279\u963f\u62c9\u4f2f\u7b49\u5e02\u5834\u96d6\u5177\u5099\u5148\u9032\u79d1\u6280\u57fa\u5efa\uff0c\u60df\u65e5\u5e38\u751f\u6d3b\u4f9d\u7136\u6df1\u7e6b\u5be6\u9ad4\u8ca8\u5e63\u3002 72% \u7684\u6c99\u7279\u516c\u6c11\u6bcf\u9031\u81f3\u5c11\u4f7f\u7528\u4e00\u6b21\u73fe\u91d1\uff0c\u9650\u5236\u4e86\u6578\u78bc\u8de8\u5883\u7db2\u7d61\u7684\u5373\u6642\u62d3\u5c55\u3002  \u975e\u6d32\uff1a\u975e\u6d32\u5730\u5340\u5728\u672c\u5730\u91d1\u878d\u79d1\u6280\u5275\u65b0\u65b9\u9762\u5f15\u9818\u5728\u524d\uff0c\u7279\u5225\u662f\u80af\u96c5\u7684\u6d41\u52d5\u8ca8\u5e63\u548c\u5c3c\u65e5\u5229\u4e9e\u7684\u6578\u78bc\u8cc7\u7522\u3002\u4f46\u7531\u65bc\u570b\u969b\u9280\u884c\u9678\u7e8c\u7e2e\u6e1b\u5728\u9019\u4e9b\u5730\u5340\u7684\u4ee3\u7406\u884c\u95dc\u4fc2\uff0c\u975e\u6d32\u7684\u6574\u9ad4\u6392\u540d\u8f03\u4f4e\uff0c\u53cd\u6620\u51fa\u66f4\u5ee3\u6cdb\u7684\u5168\u7403\u963b\u529b\u3002  \u884c\u52d5\u9322\u5305\u666e\u53ca\u7387\u7684\u589e\u9577 \u5831\u544a\u4ea6\u78ba\u8a8d\uff0c\u4eba\u5011\u6536\u767c\u570b\u969b\u4ed8\u6b3e\u7684\u65b9\u5f0f\u6b63\u7d93\u6b77\u91cd\u5927\u8b8a\u9769\uff1a   \u6d41\u52d5\u9322\u5305\u548c\u652f\u4ed8\u61c9\u7528\u7a0b\u5f0f\u73fe\u5df2\u6210\u70ba\u570b\u969b\u532f\u6b3e\u7684\u4e3b\u8981\u6e20\u9053\uff0c\u5168\u7403\u6709 48% \u7684\u53d7\u8a2a\u8005\u4ee5\u6b64\u4f5c\u70ba\u8de8\u5883\u532f\u6b3e\u7684\u4e3b\u8981\u65b9\u5f0f\u3002  \u5728\u67d0\u4e9b\u5e02\u5834\uff0c\u6d41\u52d5\u9322\u5305\u5c0d\u4fc3\u9032\u91d1\u878d\u666e\u60e0\u767c\u63ee\u66f4\u91cd\u8981\u7684\u89d2\u8272\u3002 \u5728\u5370\u5ea6\u3001\u5357\u975e\u548c\u83f2\u5f8b\u8cd3\uff0c\u5206\u5225\u6709 30%\u300126% \u548c 25% \u7684\u7528\u6236\u9078\u64c7\u6d41\u52d5\u9322\u5305\u4f5c\u70ba\u5176\u4eba\u751f\u4e2d\u9996\u500b\u6b63\u5f0f\u7684\u91d1\u878d\u8cec\u6236\u3002 \u5176\u4e2d 26% \u7528\u6236\u4e4b\u6240\u4ee5\u5982\u6b64\u9078\u64c7\uff0c\u4e43\u56e0\u8a3b\u518a\u7c21\u6613\u3002  \u5118\u7ba1\u51fa\u73fe\u9019\u9805\u8f49\u8b8a\uff0c\u9280\u884c\u4ecd\u7136\u662f\u7d50\u7b97\u57fa\u790e\u8a2d\u65bd\u7684\u6838\u5fc3\u74b0\u7bc0\uff0c\u986f\u793a\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u4e4b\u9593\u9700\u8981\u9032\u4e00\u6b65\u6574\u5408\u3002 \u7a69\u5b9a\u5e63\uff1a\u4fe1\u4efb\u8207\u76e3\u7ba1\u6210\u70ba\u7d42\u6975\u96e3\u95dc \u5168\u7403\u50c5 11% \u4eba\u53e3\u6163\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u8de8\u5883\u532f\u6b3e\uff0c\u60df\u90e8\u5206\u7279\u5b9a\u5e02\u5834\u5c0d\u6578\u78bc\u8cc7\u7522\u5c55\u73fe\u51fa\u6975\u5927\u6e34\u6c42\uff1a   \u4ee5\u5c3c\u65e5\u5229\u4e9e\u70ba\u4f8b\uff0c\u6709 40% \u7684\u53d7\u8a2a\u8005\u8868\u793a\u6703\u4f7f\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u9032\u884c\u8de8\u5883\u532f\u6b3e\uff0c\u50c5 19% \u8868\u793a\u5f9e\u672a\u807d\u904e\u7a69\u5b9a\u5e63\uff0c\u76f8\u6bd4\u4e4b\u4e0b\u5168\u7403\u5e73\u5747\u6bd4\u4f8b\u70ba 38%\u3002 \u5c0d\u6578\u78bc\u8cc7\u7522\u7522\u54c1\u8d8a\u8a8d\u8b58\u3001\u8d8a\u7406\u89e3\uff0c\u91d1\u878d\u6d3b\u52d5\u61c9\u7528\u5c31\u81ea\u7136\u8d8a\u5ee3\u6cdb\u3002  \u6b50\u6d32\u65b9\u9762\uff0c59% \u53d7\u8a2a\u8005\u5f9e\u672a\u807d\u805e\u7a69\u5b9a\u5e63\uff0c\u50c5 8% \u5831\u7a31\u66fe\u7d93\u4f7f\u7528\u3002 \u5373\u4f7f\u6b50\u6d32\u5728\u76e3\u7ba1\u4e0a\u5f15\u9818\u5168\u7403\uff0c\u5305\u62ec\u63a8\u51fa\u300a\u6b50\u76df\u52a0\u5bc6\u8cc7\u7522\u5e02\u5834\u6cd5\u6848\u300b(MiCA) \u4ee5\u91d0\u6e05\u6578\u78bc\u8cc7\u7522\u898f\u5247\u4e26\u4fdd\u969c\u6d88\u8cbb\u8005\uff0c\u4f46\u4e0a\u8ff0\u60c5\u6cc1\u4ecd\u7136\u5b58\u5728\u3002  \u653e\u773c\u5168\u7403\u975e\u4f7f\u7528\u8005\uff0c\u6700\u5927\u969c\u7919\u5728\u65bc\u8a50\u9a19\u98a8\u96aa (25%)\uff0c\u5176\u6b21\u70ba\u5c0d\u73fe\u6709\u652f\u4ed8\u65b9\u5f0f\u7684\u6eff\u610f (23%)\uff0c\u53ef\u898b\u963b\u529b\u4e26\u975e\u7d14\u7cb9\u9700\u6c42\u5331\u4e4f\uff0c\u800c\u662f\u5e02\u5834\u9700\u8981\u66f4\u7a69\u56fa\u7684\u4fe1\u4efb\u3001\u66f4\u5b8c\u5584\u7684\u76e3\u7ba1\uff0c\u4ee5\u53ca\u8207\u6b63\u898f\u91d1\u878d\u9ad4\u7cfb\u66f4\u4f73\u7684\u4e92\u901a\u6027\u3002  Thunes \u71df\u92b7\u7e3d\u76e3 Mathieu Limousi \u8868\u793a\uff1a\u300c\u6211\u5011\u6b63\u5728\u76ee\u7779\u5168\u7403\u91d1\u878d\u4e00\u5927\u77db\u76fe\u73fe\u8c61\uff1a\u672c\u5730\u652f\u4ed8\u5df2\u7d93\u505a\u5230\u5373\u6642\u5230\u8cec\uff0c\u4f46\u8cc7\u91d1\u4e00\u65e6\u8de8\u8d8a\u908a\u5883\uff0c\u5275\u65b0\u5f80\u5f80\u4fbf\u621b\u7136\u800c\u6b62\u3002 \u6211\u5011\u7684\u4e92\u901a\u6027\u6307\u6578\u5370\u8b49\uff0c\u5168\u7403\u91d1\u878d\u666e\u60e0\u7684\u6c7a\u52dd\u4e4b\u5730\uff0c\u4e0d\u5728\u65bc\u92ea\u8a2d\u66f4\u591a\u57fa\u5efa\uff0c\u800c\u5728\u65bc\u4e32\u806f\u73fe\u6709\u7684\u4e00\u5207\u3002 \u6d41\u52d5\u9322\u5305\u3001\u6578\u78bc\u8cc7\u7522\u8207\u50b3\u7d71\u9280\u884c\uff0c\u7686\u5728\u6025\u901f\u64f4\u5f35\uff0c\u537b\u5982\u540c\u5b64\u5cf6\u822c\u5404\u81ea\u904b\u4f5c\u3002 \u552f\u6709\u5f37\u8feb\u9019\u4e9b\u4e92\u4e0d\u76f8\u9023\u7684\u7db2\u7d61\u5f7c\u6b64\u5c0d\u8a71\uff0c\u78ba\u4fdd\u79d1\u6280\u4e0d\u6b62\u6b65\u65bc\u908a\u5883\uff0c\u771f\u6b63\u7684\u91d1\u878d\u6d41\u52d5\u65b9\u80fd\u5be6\u73fe\u3002\u300d Juniper Research \u7814\u7a76\u526f\u7e3d\u88c1 Nick Maynard \u88dc\u5145\u9053\uff1a\u300c\u6578\u64da\u6e05\u695a\u986f\u793a\uff0c\u6211\u5011\u6b63\u9762\u5c0d\u7d50\u69cb\u6027\u50f5\u5c40\u3002 \u8de8\u5883\u963b\u529b\uff0c\u5df2\u975e\u5c40\u90e8\u652f\u4ed8\u8ecc\u9053\u554f\u984c\uff0c\u800c\u662f\u5168\u7403\u4e92\u901a\u6027\u5371\u6a5f\u3002 \u672c\u5730\u57fa\u5efa\u96d6\u5df2\u9054\u5be6\u6642\u901f\u5ea6\uff0c\u9023\u63a5\u5404\u570b\u7684\u8de8\u5883\u6e20\u9053\u537b\u4f9d\u820a\u652f\u96e2\u7834\u788e\u3002 \u5373\u4f7f\u5728\u79d1\u6280\u9818\u5148\u7684\u5e02\u5834\uff0c\u5168\u7403\u652f\u4ed8\u4ecd\u7136\u5728\u300e\u6700\u5f8c\u4e00\u91cc\u300f\u51fa\u73fe\u554f\u984c\uff0c\u7686\u56e0\u4e0d\u540c\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u672a\u80fd\u7121\u7e2b\u4e92\u52d5\u3002\u300d \u4e0b\u8f09\u5b8c\u6574\u5831\u544a\uff1a\u300aThe Thunes Cross-border Payments Interoperability Index\u300b\u3002 \u7814\u7a76\u65b9\u6cd5 \u6b64\u5831\u544a\u6e90\u81ea Juniper Research \u65bc 2026 \u5e74 4 \u6708\u9032\u884c\u7684\u7db2\u4e0a\u6d88\u8cbb\u8005\u8abf\u67e5\uff0c\u53d7\u8a2a\u8005\u9054 6,763 \u4eba\uff0c\u904d\u53ca 10 \u500b\u570b\u5bb6\uff1a\u7f8e\u570b\u3001\u5df4\u897f\u3001\u6c99\u7279\u963f\u62c9\u4f2f\u738b\u570b\u3001\u4e2d\u570b\u3001\u5370\u5ea6\u3001\u83f2\u5f8b\u8cd3\u3001\u82f1\u570b\u3001\u5fb7\u570b\u3001\u5357\u975e\u53ca\u5c3c\u65e5\u5229\u4e9e\u3002 \u8a72\u4e92\u901a\u6027\u6307\u6578\u8a55\u4f30\u4e86 50 \u500b\u5e02\u5834\uff0c\u5176\u63a1\u7528\u5c08\u6709\u7684\u8abf\u67e5\u6578\u64da\u4ee5\u53ca\u591a\u500b\u65e2\u5b9a\u57fa\u6e96\uff0c\u5305\u62ec\u4e16\u754c\u9280\u884c 2025 \u5e74\u5168\u7403\u91d1\u878d\u5305\u5bb9\u6027\u6307\u6578\u8cc7\u6599\u5eab (World Bank Global Findex Database 2025) \u548c\u4e16\u754c\u9280\u884c\u532f\u6b3e\u6210\u672c\u6578\u64da (World Bank remittance cost data)\u3002 \u95dc\u65bc Thunes \u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1a https:\/\/www.thunes.com\/ \u95dc\u65bc Juniper Research \u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1awww.juniperresearch.com","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/pingtungtimes.com.tw\/?p=441511","og_locale":"zh_TW","og_type":"article","og_title":"Thunes \u7814\u7a76\u63ed\u793a\u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u7f3a\u53e3\uff1a\u672c\u5730\u5275\u65b0\u96e3\u4ee5\u8de8\u8d8a\u908a\u5883 - \u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831","og_description":"Thunes \u8207 Juniper Research \u9996\u5ea6\u5408\u529b\u7de8\u88fd\u4e92\u901a\u6027\u6307\u6578\uff0c\u7d50\u679c\u63ed\u793a\uff1a\u672c\u5730\u7db2\u7d61\u96d6\u5728\u9032\u6b65\uff0c\u773e\u591a\u8de8\u5883\u652f\u4ed8\u537b\u4f9d\u6df1\u9677\u5168\u7403\u50f5\u5c40\u3002 \u963f\u59c6\u65af\u7279\u4e392026\u5e746\u67082\u65e5 \/\u7f8e\u901a\u793e\/ -- \u5373\u4f7f\u6709 50% \u7684\u6536\u6b3e\u4eba\u8a8d\u70ba\u901f\u5ea6\u6700\u91cd\u8981\uff0c\u4ecd\u6709\u8d85\u904e\u5341\u5104\u4eba\u8981\u7b49\u4e0a\u597d\u5e7e\u5929\u624d\u80fd\u6536\u5230\u8de8\u5883\u532f\u6b3e\u3002 Thunes \u8207 Juniper Research \u6700\u65b0\u5831\u544a\u63ed\u793a\uff0c\u6d88\u8cbb\u8005\u5fc3\u4e2d\u7684\u671f\u76fc\uff0c\u8207\u73fe\u5be6\u4e2d\u8de8\u5883\u652f\u4ed8\u7db2\u7d61\u7684\u9072\u7de9\u8207\u96f6\u6563\uff0c\u5f62\u6210\u9bae\u660e\u5c0d\u6bd4\u3002 \u5831\u544a\u4ea6\u63ed\u793a\u91d1\u878d\u696d\u4e00\u5927\u76f2\u9ede\uff1a\u672c\u5730\u652f\u4ed8\u7cfb\u7d71\u96d6\u8f03\u5f80\u6614\u66f4\u5feb\u66f4\u5148\u9032\uff0c\u5275\u65b0\u537b\u6b62\u6b65\u65bc\u908a\u5883\u3002 \u8de8\u5883\u4e92\u901a\u6027\uff0c\u5373\u4e0d\u53d7\u5730\u57df\u6216\u5e95\u5c64\u7cfb\u7d71\u9650\u5236\u3001\u80fd\u5920\u9806\u66a2\u5730\u8de8\u5883\u8f49\u79fb\u8cc7\u91d1\u7684\u80fd\u529b\uff0c\u81f3\u4eca\u4ecd\u672a\u80fd\u5be6\u73fe\u3002 \u70ba\u4e86\u5448\u73fe\u9019\u4e9b\u7f3a\u53e3\uff0c\u9996\u4efdThunes Cross-Border Payments Interoperability Index\uff08Thunes \u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u6307\u6578\uff09 \u7d50\u5408 Juniper Research \u7684\u6d1e\u5bdf\u5206\u6790\u6b63\u5f0f\u9762\u4e16\uff0c\u4e26\u70ba 50 \u500b\u570b\u5bb6\u8a02\u5b9a\u57fa\u6e96\u6392\u540d\u3002 \u7814\u7a76\u7d50\u679c\u986f\u793a\uff0c\u5404\u5730\u5340\u96d6\u5b58\u5728\u986f\u8457\u5dee\u7570\uff0c\u4f46\u5168\u7403\u5747\u9762\u81e8\u5171\u540c\u554f\u984c\uff1a\u4e92\u901a\u6027\u4e0d\u8db3\u5f71\u97ff\u6240\u6709\u5730\u5340\uff0c\u8b49\u660e\u672c\u5730\u767c\u5c55\u5373\u4f7f\u518d\u5148\u9032\uff0c\u4ea6\u4e0d\u4ee3\u8868\u80fd\u81ea\u52d5\u5be6\u73fe\u7121\u7e2b\u7684\u570b\u969b\u9023\u63a5\u3002 \u5730\u5340\u6982\u6cc1\uff1a\u5275\u65b0\u6709\u9918\uff0c\u9023\u63a5\u4e0d\u8db3   \u6b50\u6d32\uff08\u4e92\u901a\u6027\u9818\u5148\u5168\u7403\uff09\uff1a\u524d 20 \u540d\u5e2d\u4f4d\u4e2d\uff0c\u6b50\u6d32\u4f54\u64da 16 \u5e2d\u3002 \u6b50\u6d32\u5730\u5340\u9ad8\u8e1e\u5168\u7403\u699c\u9996\uff0c\u5168\u8cf4\u6574\u5408\u7684\u55ae\u4e00\u6b50\u5143\u652f\u4ed8\u5340 (SEPA) \u7db2\u7d61\uff0c\u6b64\u7db2\u7d61\u53ef\u5728 10 \u79d2\u5167\u8655\u7406\u8de8\u5883\u6b50\u5143\u8f49\u8cec\u3002 \u7136\u800c\uff0c\u9019\u7a2e\u6d41\u66a2\u7121\u963b\u7684\u9ad4\u9a57\u57fa\u672c\u4e0a\u53ea\u5c40\u9650\u65bc\u6b50\u5143\u5340\u4e4b\u5167\u3002  \u7f8e\u6d32\uff1a\u570b\uff08\u6392\u540d\u7b2c 21 \u4f4d\uff09\uff0c\u7e31\u6709\u5f88\u591a\u8de8\u5883\u652f\u4ed8\u516c\u53f8\u843d\u6236\u7576\u5730\uff0c\u4f46\u537b\u53cd\u6620\u51fa\u9069\u61c9\u80fd\u529b\u4e0a\u7684\u5dee\u8ddd\uff0c\u5176\u5206\u6563\u7684\u9280\u884c\u9ad4\u7cfb\u62d6\u6162\u8207\u5168\u7403\u5be6\u6642\u652f\u4ed8\u7cfb\u7d71\u7684\u63a5\u8ecc\u3002 \u53e6\u4e00\u908a\u5ec2\uff0c\u5df4\u897f PIX \u5728\u672c\u571f\u96d6\u5927\u653e\u7570\u5f69\uff0c\u4f46\u56b4\u683c\u7684\u8ca8\u5e63\u7ba1\u63a7\uff0c\u4ee4 42% \u7684\u570b\u969b\u6536\u6b3e\u4eba\u4ecd\u8981\u9762\u5c0d\u6578\u5929\u5ef6\u8aa4\u3002  \u4e9e\u592a\u5340\uff1a\u65b0\u52a0\u5761\uff08\u6392\u540d\u7b2c 2\uff09\u64c5\u9577\u8207\u4ed6\u570b\u5efa\u7acb\u76f4\u63a5\u96d9\u908a\u806f\u7e6b\uff0c\u7136\u800c\u8de8\u5883\u4e92\u806f\u7a0b\u5ea6\u5f97\u5206\u504f\u4f4e\u3002 \u5370\u5ea6\u53ca\u4e2d\u570b\u5169\u5927\u570b\u6392\u540d\u504f\u4f4e\uff0c\u7686\u56e0\u5176\u9ad8\u6548\u7cfb\u7d71\u904e\u65bc\u5074\u91cd\u672c\u571f\uff0c\u81f4\u4f7f 46% \u7684\u5370\u5ea6\u6536\u6b3e\u4eba\u53ca 30% \u7684\u4e2d\u570b\u6536\u6b3e\u4eba\u8981\u82e6\u5019\u6578\u65e5\uff0c\u65b9\u80fd\u6536\u5230\u6d77\u5916\u8cc7\u91d1\u3002 \u6b64\u5916\uff0c\u6771\u4e9e\u3001\u5357\u4e9e\u53ca\u6771\u5357\u4e9e\u7684\u6d41\u52d5\u9322\u5305\u61c9\u7528\u60c5\u6cc1\u6975\u70ba\u5b64\u7acb\uff0c\u672a\u80fd\u5728\u5168\u7403\u5c64\u9762\u5be6\u73fe\u539f\u751f\u4e92\u806f\u4e92\u901a\u3002  \u4e2d\u6771\uff1a\u963f\u806f\u914b (UAE) \u53ca\u6c99\u7279\u963f\u62c9\u4f2f\u7b49\u5e02\u5834\u96d6\u5177\u5099\u5148\u9032\u79d1\u6280\u57fa\u5efa\uff0c\u60df\u65e5\u5e38\u751f\u6d3b\u4f9d\u7136\u6df1\u7e6b\u5be6\u9ad4\u8ca8\u5e63\u3002 72% \u7684\u6c99\u7279\u516c\u6c11\u6bcf\u9031\u81f3\u5c11\u4f7f\u7528\u4e00\u6b21\u73fe\u91d1\uff0c\u9650\u5236\u4e86\u6578\u78bc\u8de8\u5883\u7db2\u7d61\u7684\u5373\u6642\u62d3\u5c55\u3002  \u975e\u6d32\uff1a\u975e\u6d32\u5730\u5340\u5728\u672c\u5730\u91d1\u878d\u79d1\u6280\u5275\u65b0\u65b9\u9762\u5f15\u9818\u5728\u524d\uff0c\u7279\u5225\u662f\u80af\u96c5\u7684\u6d41\u52d5\u8ca8\u5e63\u548c\u5c3c\u65e5\u5229\u4e9e\u7684\u6578\u78bc\u8cc7\u7522\u3002\u4f46\u7531\u65bc\u570b\u969b\u9280\u884c\u9678\u7e8c\u7e2e\u6e1b\u5728\u9019\u4e9b\u5730\u5340\u7684\u4ee3\u7406\u884c\u95dc\u4fc2\uff0c\u975e\u6d32\u7684\u6574\u9ad4\u6392\u540d\u8f03\u4f4e\uff0c\u53cd\u6620\u51fa\u66f4\u5ee3\u6cdb\u7684\u5168\u7403\u963b\u529b\u3002  \u884c\u52d5\u9322\u5305\u666e\u53ca\u7387\u7684\u589e\u9577 \u5831\u544a\u4ea6\u78ba\u8a8d\uff0c\u4eba\u5011\u6536\u767c\u570b\u969b\u4ed8\u6b3e\u7684\u65b9\u5f0f\u6b63\u7d93\u6b77\u91cd\u5927\u8b8a\u9769\uff1a   \u6d41\u52d5\u9322\u5305\u548c\u652f\u4ed8\u61c9\u7528\u7a0b\u5f0f\u73fe\u5df2\u6210\u70ba\u570b\u969b\u532f\u6b3e\u7684\u4e3b\u8981\u6e20\u9053\uff0c\u5168\u7403\u6709 48% \u7684\u53d7\u8a2a\u8005\u4ee5\u6b64\u4f5c\u70ba\u8de8\u5883\u532f\u6b3e\u7684\u4e3b\u8981\u65b9\u5f0f\u3002  \u5728\u67d0\u4e9b\u5e02\u5834\uff0c\u6d41\u52d5\u9322\u5305\u5c0d\u4fc3\u9032\u91d1\u878d\u666e\u60e0\u767c\u63ee\u66f4\u91cd\u8981\u7684\u89d2\u8272\u3002 \u5728\u5370\u5ea6\u3001\u5357\u975e\u548c\u83f2\u5f8b\u8cd3\uff0c\u5206\u5225\u6709 30%\u300126% \u548c 25% \u7684\u7528\u6236\u9078\u64c7\u6d41\u52d5\u9322\u5305\u4f5c\u70ba\u5176\u4eba\u751f\u4e2d\u9996\u500b\u6b63\u5f0f\u7684\u91d1\u878d\u8cec\u6236\u3002 \u5176\u4e2d 26% \u7528\u6236\u4e4b\u6240\u4ee5\u5982\u6b64\u9078\u64c7\uff0c\u4e43\u56e0\u8a3b\u518a\u7c21\u6613\u3002  \u5118\u7ba1\u51fa\u73fe\u9019\u9805\u8f49\u8b8a\uff0c\u9280\u884c\u4ecd\u7136\u662f\u7d50\u7b97\u57fa\u790e\u8a2d\u65bd\u7684\u6838\u5fc3\u74b0\u7bc0\uff0c\u986f\u793a\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u4e4b\u9593\u9700\u8981\u9032\u4e00\u6b65\u6574\u5408\u3002 \u7a69\u5b9a\u5e63\uff1a\u4fe1\u4efb\u8207\u76e3\u7ba1\u6210\u70ba\u7d42\u6975\u96e3\u95dc \u5168\u7403\u50c5 11% \u4eba\u53e3\u6163\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u8de8\u5883\u532f\u6b3e\uff0c\u60df\u90e8\u5206\u7279\u5b9a\u5e02\u5834\u5c0d\u6578\u78bc\u8cc7\u7522\u5c55\u73fe\u51fa\u6975\u5927\u6e34\u6c42\uff1a   \u4ee5\u5c3c\u65e5\u5229\u4e9e\u70ba\u4f8b\uff0c\u6709 40% \u7684\u53d7\u8a2a\u8005\u8868\u793a\u6703\u4f7f\u7528\u52a0\u5bc6\u8ca8\u5e63\u5e73\u53f0\u9032\u884c\u8de8\u5883\u532f\u6b3e\uff0c\u50c5 19% \u8868\u793a\u5f9e\u672a\u807d\u904e\u7a69\u5b9a\u5e63\uff0c\u76f8\u6bd4\u4e4b\u4e0b\u5168\u7403\u5e73\u5747\u6bd4\u4f8b\u70ba 38%\u3002 \u5c0d\u6578\u78bc\u8cc7\u7522\u7522\u54c1\u8d8a\u8a8d\u8b58\u3001\u8d8a\u7406\u89e3\uff0c\u91d1\u878d\u6d3b\u52d5\u61c9\u7528\u5c31\u81ea\u7136\u8d8a\u5ee3\u6cdb\u3002  \u6b50\u6d32\u65b9\u9762\uff0c59% \u53d7\u8a2a\u8005\u5f9e\u672a\u807d\u805e\u7a69\u5b9a\u5e63\uff0c\u50c5 8% \u5831\u7a31\u66fe\u7d93\u4f7f\u7528\u3002 \u5373\u4f7f\u6b50\u6d32\u5728\u76e3\u7ba1\u4e0a\u5f15\u9818\u5168\u7403\uff0c\u5305\u62ec\u63a8\u51fa\u300a\u6b50\u76df\u52a0\u5bc6\u8cc7\u7522\u5e02\u5834\u6cd5\u6848\u300b(MiCA) \u4ee5\u91d0\u6e05\u6578\u78bc\u8cc7\u7522\u898f\u5247\u4e26\u4fdd\u969c\u6d88\u8cbb\u8005\uff0c\u4f46\u4e0a\u8ff0\u60c5\u6cc1\u4ecd\u7136\u5b58\u5728\u3002  \u653e\u773c\u5168\u7403\u975e\u4f7f\u7528\u8005\uff0c\u6700\u5927\u969c\u7919\u5728\u65bc\u8a50\u9a19\u98a8\u96aa (25%)\uff0c\u5176\u6b21\u70ba\u5c0d\u73fe\u6709\u652f\u4ed8\u65b9\u5f0f\u7684\u6eff\u610f (23%)\uff0c\u53ef\u898b\u963b\u529b\u4e26\u975e\u7d14\u7cb9\u9700\u6c42\u5331\u4e4f\uff0c\u800c\u662f\u5e02\u5834\u9700\u8981\u66f4\u7a69\u56fa\u7684\u4fe1\u4efb\u3001\u66f4\u5b8c\u5584\u7684\u76e3\u7ba1\uff0c\u4ee5\u53ca\u8207\u6b63\u898f\u91d1\u878d\u9ad4\u7cfb\u66f4\u4f73\u7684\u4e92\u901a\u6027\u3002  Thunes \u71df\u92b7\u7e3d\u76e3 Mathieu Limousi \u8868\u793a\uff1a\u300c\u6211\u5011\u6b63\u5728\u76ee\u7779\u5168\u7403\u91d1\u878d\u4e00\u5927\u77db\u76fe\u73fe\u8c61\uff1a\u672c\u5730\u652f\u4ed8\u5df2\u7d93\u505a\u5230\u5373\u6642\u5230\u8cec\uff0c\u4f46\u8cc7\u91d1\u4e00\u65e6\u8de8\u8d8a\u908a\u5883\uff0c\u5275\u65b0\u5f80\u5f80\u4fbf\u621b\u7136\u800c\u6b62\u3002 \u6211\u5011\u7684\u4e92\u901a\u6027\u6307\u6578\u5370\u8b49\uff0c\u5168\u7403\u91d1\u878d\u666e\u60e0\u7684\u6c7a\u52dd\u4e4b\u5730\uff0c\u4e0d\u5728\u65bc\u92ea\u8a2d\u66f4\u591a\u57fa\u5efa\uff0c\u800c\u5728\u65bc\u4e32\u806f\u73fe\u6709\u7684\u4e00\u5207\u3002 \u6d41\u52d5\u9322\u5305\u3001\u6578\u78bc\u8cc7\u7522\u8207\u50b3\u7d71\u9280\u884c\uff0c\u7686\u5728\u6025\u901f\u64f4\u5f35\uff0c\u537b\u5982\u540c\u5b64\u5cf6\u822c\u5404\u81ea\u904b\u4f5c\u3002 \u552f\u6709\u5f37\u8feb\u9019\u4e9b\u4e92\u4e0d\u76f8\u9023\u7684\u7db2\u7d61\u5f7c\u6b64\u5c0d\u8a71\uff0c\u78ba\u4fdd\u79d1\u6280\u4e0d\u6b62\u6b65\u65bc\u908a\u5883\uff0c\u771f\u6b63\u7684\u91d1\u878d\u6d41\u52d5\u65b9\u80fd\u5be6\u73fe\u3002\u300d Juniper Research \u7814\u7a76\u526f\u7e3d\u88c1 Nick Maynard \u88dc\u5145\u9053\uff1a\u300c\u6578\u64da\u6e05\u695a\u986f\u793a\uff0c\u6211\u5011\u6b63\u9762\u5c0d\u7d50\u69cb\u6027\u50f5\u5c40\u3002 \u8de8\u5883\u963b\u529b\uff0c\u5df2\u975e\u5c40\u90e8\u652f\u4ed8\u8ecc\u9053\u554f\u984c\uff0c\u800c\u662f\u5168\u7403\u4e92\u901a\u6027\u5371\u6a5f\u3002 \u672c\u5730\u57fa\u5efa\u96d6\u5df2\u9054\u5be6\u6642\u901f\u5ea6\uff0c\u9023\u63a5\u5404\u570b\u7684\u8de8\u5883\u6e20\u9053\u537b\u4f9d\u820a\u652f\u96e2\u7834\u788e\u3002 \u5373\u4f7f\u5728\u79d1\u6280\u9818\u5148\u7684\u5e02\u5834\uff0c\u5168\u7403\u652f\u4ed8\u4ecd\u7136\u5728\u300e\u6700\u5f8c\u4e00\u91cc\u300f\u51fa\u73fe\u554f\u984c\uff0c\u7686\u56e0\u4e0d\u540c\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u672a\u80fd\u7121\u7e2b\u4e92\u52d5\u3002\u300d \u4e0b\u8f09\u5b8c\u6574\u5831\u544a\uff1a\u300aThe Thunes Cross-border Payments Interoperability Index\u300b\u3002 \u7814\u7a76\u65b9\u6cd5 \u6b64\u5831\u544a\u6e90\u81ea Juniper Research \u65bc 2026 \u5e74 4 \u6708\u9032\u884c\u7684\u7db2\u4e0a\u6d88\u8cbb\u8005\u8abf\u67e5\uff0c\u53d7\u8a2a\u8005\u9054 6,763 \u4eba\uff0c\u904d\u53ca 10 \u500b\u570b\u5bb6\uff1a\u7f8e\u570b\u3001\u5df4\u897f\u3001\u6c99\u7279\u963f\u62c9\u4f2f\u738b\u570b\u3001\u4e2d\u570b\u3001\u5370\u5ea6\u3001\u83f2\u5f8b\u8cd3\u3001\u82f1\u570b\u3001\u5fb7\u570b\u3001\u5357\u975e\u53ca\u5c3c\u65e5\u5229\u4e9e\u3002 \u8a72\u4e92\u901a\u6027\u6307\u6578\u8a55\u4f30\u4e86 50 \u500b\u5e02\u5834\uff0c\u5176\u63a1\u7528\u5c08\u6709\u7684\u8abf\u67e5\u6578\u64da\u4ee5\u53ca\u591a\u500b\u65e2\u5b9a\u57fa\u6e96\uff0c\u5305\u62ec\u4e16\u754c\u9280\u884c 2025 \u5e74\u5168\u7403\u91d1\u878d\u5305\u5bb9\u6027\u6307\u6578\u8cc7\u6599\u5eab (World Bank Global Findex Database 2025) \u548c\u4e16\u754c\u9280\u884c\u532f\u6b3e\u6210\u672c\u6578\u64da (World Bank remittance cost data)\u3002 \u95dc\u65bc Thunes \u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1a https:\/\/www.thunes.com\/ \u95dc\u65bc Juniper Research \u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1awww.juniperresearch.com","og_url":"https:\/\/pingtungtimes.com.tw\/?p=441511","og_site_name":"\u5c4f\u6771\u6642\u5831\u96fb\u5b50\u5831","article_publisher":"https:\/\/www.facebook.com\/pingtungnews","article_published_time":"2026-06-02T14:15:00+00:00","og_image":[{"url":"https:\/\/pingtungtimes.com.tw\/wp-content\/uploads\/2023\/02\/logo-150.png","type":"","width":"","height":""}],"author":"\u7f8e\u901a\u793e","twitter_card":"summary_large_image","twitter_image":"https:\/\/pingtungtimes.com.tw\/wp-content\/uploads\/2023\/02\/logo-150.png","twitter_misc":{"\u4f5c\u8005:":"\u7f8e\u901a\u793e"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/pingtungtimes.com.tw\/?p=441511#article","isPartOf":{"@id":"https:\/\/pingtungtimes.com.tw\/?p=441511"},"author":{"name":"\u7f8e\u901a\u793e","@id":"https:\/\/pingtungtimes.com.tw\/#\/schema\/person\/683b937f29ec1537972f6c41e22a2cf3"},"headline":"Thunes \u7814\u7a76\u63ed\u793a\u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u7f3a\u53e3\uff1a\u672c\u5730\u5275\u65b0\u96e3\u4ee5\u8de8\u8d8a\u908a\u5883","datePublished":"2026-06-02T14:15:00+00:00","mainEntityOfPage":{"@id":"https:\/\/pingtungtimes.com.tw\/?p=441511"},"wordCount":55,"publisher":{"@id":"https:\/\/pingtungtimes.com.tw\/#organization"},"image":{"@id":"https:\/\/pingtungtimes.com.tw\/?p=441511#primaryimage"},"thumbnailUrl":"https:\/\/pingtungtimes.com.tw\/wp-content\/uploads\/2023\/02\/logo-150.png","articleSection":["\u7f8e\u901a\u793e"],"inLanguage":"zh-TW"},{"@type":"WebPage","@id":"https:\/\/pingtungtimes.com.tw\/?p=441511","url":"https:\/\/pingtungtimes.com.tw\/?p=441511","name":"Thunes \u7814\u7a76\u63ed\u793a\u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u7f3a\u53e3\uff1a\u672c\u5730\u5275\u65b0\u96e3\u4ee5\u8de8\u8d8a\u908a\u5883 - 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\u7684\u6536\u6b3e\u4eba\u8a8d\u70ba\u901f\u5ea6\u6700\u91cd\u8981\uff0c\u4ecd\u6709\u8d85\u904e\u5341\u5104\u4eba\u8981\u7b49\u4e0a\u597d\u5e7e\u5929\u624d\u80fd\u6536\u5230\u8de8\u5883\u532f\u6b3e\u3002 Thunes \u8207 Juniper Research \u6700\u65b0\u5831\u544a\u63ed\u793a\uff0c\u6d88\u8cbb\u8005\u5fc3\u4e2d\u7684\u671f\u76fc\uff0c\u8207\u73fe\u5be6\u4e2d\u8de8\u5883\u652f\u4ed8\u7db2\u7d61\u7684\u9072\u7de9\u8207\u96f6\u6563\uff0c\u5f62\u6210\u9bae\u660e\u5c0d\u6bd4\u3002 \u5831\u544a\u4ea6\u63ed\u793a\u91d1\u878d\u696d\u4e00\u5927\u76f2\u9ede\uff1a\u672c\u5730\u652f\u4ed8\u7cfb\u7d71\u96d6\u8f03\u5f80\u6614\u66f4\u5feb\u66f4\u5148\u9032\uff0c\u5275\u65b0\u537b\u6b62\u6b65\u65bc\u908a\u5883\u3002 \u8de8\u5883\u4e92\u901a\u6027\uff0c\u5373\u4e0d\u53d7\u5730\u57df\u6216\u5e95\u5c64\u7cfb\u7d71\u9650\u5236\u3001\u80fd\u5920\u9806\u66a2\u5730\u8de8\u5883\u8f49\u79fb\u8cc7\u91d1\u7684\u80fd\u529b\uff0c\u81f3\u4eca\u4ecd\u672a\u80fd\u5be6\u73fe\u3002 \u70ba\u4e86\u5448\u73fe\u9019\u4e9b\u7f3a\u53e3\uff0c\u9996\u4efdThunes Cross-Border Payments Interoperability Index\uff08Thunes \u8de8\u5883\u652f\u4ed8\u4e92\u901a\u6027\u6307\u6578\uff09 \u7d50\u5408 Juniper Research \u7684\u6d1e\u5bdf\u5206\u6790\u6b63\u5f0f\u9762\u4e16\uff0c\u4e26\u70ba 50 \u500b\u570b\u5bb6\u8a02\u5b9a\u57fa\u6e96\u6392\u540d\u3002 \u7814\u7a76\u7d50\u679c\u986f\u793a\uff0c\u5404\u5730\u5340\u96d6\u5b58\u5728\u986f\u8457\u5dee\u7570\uff0c\u4f46\u5168\u7403\u5747\u9762\u81e8\u5171\u540c\u554f\u984c\uff1a\u4e92\u901a\u6027\u4e0d\u8db3\u5f71\u97ff\u6240\u6709\u5730\u5340\uff0c\u8b49\u660e\u672c\u5730\u767c\u5c55\u5373\u4f7f\u518d\u5148\u9032\uff0c\u4ea6\u4e0d\u4ee3\u8868\u80fd\u81ea\u52d5\u5be6\u73fe\u7121\u7e2b\u7684\u570b\u969b\u9023\u63a5\u3002 \u5730\u5340\u6982\u6cc1\uff1a\u5275\u65b0\u6709\u9918\uff0c\u9023\u63a5\u4e0d\u8db3 \u6b50\u6d32\uff08\u4e92\u901a\u6027\u9818\u5148\u5168\u7403\uff09\uff1a\u524d 20 \u540d\u5e2d\u4f4d\u4e2d\uff0c\u6b50\u6d32\u4f54\u64da 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\u7684\u570b\u969b\u6536\u6b3e\u4eba\u4ecd\u8981\u9762\u5c0d\u6578\u5929\u5ef6\u8aa4\u3002 \u4e9e\u592a\u5340\uff1a\u65b0\u52a0\u5761\uff08\u6392\u540d\u7b2c 2\uff09\u64c5\u9577\u8207\u4ed6\u570b\u5efa\u7acb\u76f4\u63a5\u96d9\u908a\u806f\u7e6b\uff0c\u7136\u800c\u8de8\u5883\u4e92\u806f\u7a0b\u5ea6\u5f97\u5206\u504f\u4f4e\u3002 \u5370\u5ea6\u53ca\u4e2d\u570b\u5169\u5927\u570b\u6392\u540d\u504f\u4f4e\uff0c\u7686\u56e0\u5176\u9ad8\u6548\u7cfb\u7d71\u904e\u65bc\u5074\u91cd\u672c\u571f\uff0c\u81f4\u4f7f 46% \u7684\u5370\u5ea6\u6536\u6b3e\u4eba\u53ca 30% \u7684\u4e2d\u570b\u6536\u6b3e\u4eba\u8981\u82e6\u5019\u6578\u65e5\uff0c\u65b9\u80fd\u6536\u5230\u6d77\u5916\u8cc7\u91d1\u3002 \u6b64\u5916\uff0c\u6771\u4e9e\u3001\u5357\u4e9e\u53ca\u6771\u5357\u4e9e\u7684\u6d41\u52d5\u9322\u5305\u61c9\u7528\u60c5\u6cc1\u6975\u70ba\u5b64\u7acb\uff0c\u672a\u80fd\u5728\u5168\u7403\u5c64\u9762\u5be6\u73fe\u539f\u751f\u4e92\u806f\u4e92\u901a\u3002 \u4e2d\u6771\uff1a\u963f\u806f\u914b (UAE) 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\u5c0d\u6578\u78bc\u8cc7\u7522\u7522\u54c1\u8d8a\u8a8d\u8b58\u3001\u8d8a\u7406\u89e3\uff0c\u91d1\u878d\u6d3b\u52d5\u61c9\u7528\u5c31\u81ea\u7136\u8d8a\u5ee3\u6cdb\u3002 \u6b50\u6d32\u65b9\u9762\uff0c59% \u53d7\u8a2a\u8005\u5f9e\u672a\u807d\u805e\u7a69\u5b9a\u5e63\uff0c\u50c5 8% \u5831\u7a31\u66fe\u7d93\u4f7f\u7528\u3002 \u5373\u4f7f\u6b50\u6d32\u5728\u76e3\u7ba1\u4e0a\u5f15\u9818\u5168\u7403\uff0c\u5305\u62ec\u63a8\u51fa\u300a\u6b50\u76df\u52a0\u5bc6\u8cc7\u7522\u5e02\u5834\u6cd5\u6848\u300b(MiCA) \u4ee5\u91d0\u6e05\u6578\u78bc\u8cc7\u7522\u898f\u5247\u4e26\u4fdd\u969c\u6d88\u8cbb\u8005\uff0c\u4f46\u4e0a\u8ff0\u60c5\u6cc1\u4ecd\u7136\u5b58\u5728\u3002 \u653e\u773c\u5168\u7403\u975e\u4f7f\u7528\u8005\uff0c\u6700\u5927\u969c\u7919\u5728\u65bc\u8a50\u9a19\u98a8\u96aa (25%)\uff0c\u5176\u6b21\u70ba\u5c0d\u73fe\u6709\u652f\u4ed8\u65b9\u5f0f\u7684\u6eff\u610f (23%)\uff0c\u53ef\u898b\u963b\u529b\u4e26\u975e\u7d14\u7cb9\u9700\u6c42\u5331\u4e4f\uff0c\u800c\u662f\u5e02\u5834\u9700\u8981\u66f4\u7a69\u56fa\u7684\u4fe1\u4efb\u3001\u66f4\u5b8c\u5584\u7684\u76e3\u7ba1\uff0c\u4ee5\u53ca\u8207\u6b63\u898f\u91d1\u878d\u9ad4\u7cfb\u66f4\u4f73\u7684\u4e92\u901a\u6027\u3002 Thunes \u71df\u92b7\u7e3d\u76e3 Mathieu Limousi \u8868\u793a\uff1a\u300c\u6211\u5011\u6b63\u5728\u76ee\u7779\u5168\u7403\u91d1\u878d\u4e00\u5927\u77db\u76fe\u73fe\u8c61\uff1a\u672c\u5730\u652f\u4ed8\u5df2\u7d93\u505a\u5230\u5373\u6642\u5230\u8cec\uff0c\u4f46\u8cc7\u91d1\u4e00\u65e6\u8de8\u8d8a\u908a\u5883\uff0c\u5275\u65b0\u5f80\u5f80\u4fbf\u621b\u7136\u800c\u6b62\u3002 \u6211\u5011\u7684\u4e92\u901a\u6027\u6307\u6578\u5370\u8b49\uff0c\u5168\u7403\u91d1\u878d\u666e\u60e0\u7684\u6c7a\u52dd\u4e4b\u5730\uff0c\u4e0d\u5728\u65bc\u92ea\u8a2d\u66f4\u591a\u57fa\u5efa\uff0c\u800c\u5728\u65bc\u4e32\u806f\u73fe\u6709\u7684\u4e00\u5207\u3002 \u6d41\u52d5\u9322\u5305\u3001\u6578\u78bc\u8cc7\u7522\u8207\u50b3\u7d71\u9280\u884c\uff0c\u7686\u5728\u6025\u901f\u64f4\u5f35\uff0c\u537b\u5982\u540c\u5b64\u5cf6\u822c\u5404\u81ea\u904b\u4f5c\u3002 \u552f\u6709\u5f37\u8feb\u9019\u4e9b\u4e92\u4e0d\u76f8\u9023\u7684\u7db2\u7d61\u5f7c\u6b64\u5c0d\u8a71\uff0c\u78ba\u4fdd\u79d1\u6280\u4e0d\u6b62\u6b65\u65bc\u908a\u5883\uff0c\u771f\u6b63\u7684\u91d1\u878d\u6d41\u52d5\u65b9\u80fd\u5be6\u73fe\u3002\u300d Juniper Research \u7814\u7a76\u526f\u7e3d\u88c1 Nick Maynard \u88dc\u5145\u9053\uff1a\u300c\u6578\u64da\u6e05\u695a\u986f\u793a\uff0c\u6211\u5011\u6b63\u9762\u5c0d\u7d50\u69cb\u6027\u50f5\u5c40\u3002 \u8de8\u5883\u963b\u529b\uff0c\u5df2\u975e\u5c40\u90e8\u652f\u4ed8\u8ecc\u9053\u554f\u984c\uff0c\u800c\u662f\u5168\u7403\u4e92\u901a\u6027\u5371\u6a5f\u3002 \u672c\u5730\u57fa\u5efa\u96d6\u5df2\u9054\u5be6\u6642\u901f\u5ea6\uff0c\u9023\u63a5\u5404\u570b\u7684\u8de8\u5883\u6e20\u9053\u537b\u4f9d\u820a\u652f\u96e2\u7834\u788e\u3002 \u5373\u4f7f\u5728\u79d1\u6280\u9818\u5148\u7684\u5e02\u5834\uff0c\u5168\u7403\u652f\u4ed8\u4ecd\u7136\u5728\u300e\u6700\u5f8c\u4e00\u91cc\u300f\u51fa\u73fe\u554f\u984c\uff0c\u7686\u56e0\u4e0d\u540c\u91d1\u878d\u751f\u614b\u7cfb\u7d71\u672a\u80fd\u7121\u7e2b\u4e92\u52d5\u3002\u300d \u4e0b\u8f09\u5b8c\u6574\u5831\u544a\uff1a\u300aThe Thunes Cross-border Payments Interoperability Index\u300b\u3002 \u7814\u7a76\u65b9\u6cd5 \u6b64\u5831\u544a\u6e90\u81ea Juniper Research \u65bc 2026 \u5e74 4 \u6708\u9032\u884c\u7684\u7db2\u4e0a\u6d88\u8cbb\u8005\u8abf\u67e5\uff0c\u53d7\u8a2a\u8005\u9054 6,763 \u4eba\uff0c\u904d\u53ca 10 \u500b\u570b\u5bb6\uff1a\u7f8e\u570b\u3001\u5df4\u897f\u3001\u6c99\u7279\u963f\u62c9\u4f2f\u738b\u570b\u3001\u4e2d\u570b\u3001\u5370\u5ea6\u3001\u83f2\u5f8b\u8cd3\u3001\u82f1\u570b\u3001\u5fb7\u570b\u3001\u5357\u975e\u53ca\u5c3c\u65e5\u5229\u4e9e\u3002 \u8a72\u4e92\u901a\u6027\u6307\u6578\u8a55\u4f30\u4e86 50 \u500b\u5e02\u5834\uff0c\u5176\u63a1\u7528\u5c08\u6709\u7684\u8abf\u67e5\u6578\u64da\u4ee5\u53ca\u591a\u500b\u65e2\u5b9a\u57fa\u6e96\uff0c\u5305\u62ec\u4e16\u754c\u9280\u884c 2025 \u5e74\u5168\u7403\u91d1\u878d\u5305\u5bb9\u6027\u6307\u6578\u8cc7\u6599\u5eab (World Bank Global Findex Database 2025) \u548c\u4e16\u754c\u9280\u884c\u532f\u6b3e\u6210\u672c\u6578\u64da (World Bank remittance cost data)\u3002 \u95dc\u65bc Thunes \u5982\u6b32\u4e86\u89e3\u66f4\u591a\u8cc7\u8a0a\uff0c\u8acb\u700f\u89bd\uff1a https:\/\/www.thunes.com\/ \u95dc\u65bc Juniper Research 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