Dopo decenni in cui il settore dei pagamenti ha visto pochi cambiamenti significativi, stanno ora emergendo numerose novità, orientate all’innovazione digitale, che mostrano la capacità di modificare in maniera irrevocabile e globale la modalità di elaborazione dei pagamenti. Tra questi, sicuramente l’introduzione di strumenti e sistemi per il pagamento in tempo reale e lo sviluppo di SWIFT che hanno reso le transazioni più semplici, veloci, efficienti e meno onerose.
Aspettative e capacità del sistema
Tuttavia siamo ancora all’inizio. L’implementazione di nuove tecnologie, come la DLT o l’intelligenza artificiale, sembra in grado di generare una serie di vantaggi, tra cui una maggiore trasparenza e, soprattutto, l’automatizzazione. Anche lo sviluppo delle valute digitali è una tendenza che potrebbe cambiare – se non il modo di effettuare i pagamenti – sicuramente la velocità di regolamento delle transazioni, la riconciliazione e anche il modo in cui percepiamo il ruolo di intermediario, tradizionalmente attribuito alle banche.
Il futuro dei pagamenti mostra quindi un mondo in cui tutti hanno l’aspettativa (e la capacità) di trasferire denaro istantaneamente ed in qualsiasi momento, semplicemente e con trasparenza. Eppure, sebbene l’endpoint sia chiaro, gli strumenti con cui raggiungerlo non sono le pietre miliari di un percorso univoco: per arrivare a destinazione, è necessario aprirsi ad una vasta gamma di tendenze del settore, creando una offerta di soluzioni di pagamento che consenta di prevedere e soddisfare le esigenze dei clienti per i prossimi anni.
Nuove tecnologie
In Italia e in numerosi paesi sono attive funzionalità di pagamento in tempo reale che consentono di liquidare e regolare i pagamenti h24, anche con strumenti di messaggistica, quali la conferma immediata della transazione e la notifica di ricezione. La maggiore flessibilità e la convenienza offerte dai pagamenti in tempo reale stanno cambiando il modo e il momento in cui i consumatori e le aziende scelgono di effettuare le operazioni; una maggiore trasparenza e procedure affidabili e aggiornate permettono inoltre di migliorare la gestione della liquidità e i processi di riconciliazione.
Siamo però ancora nell’ambito del pagamento spontaneo: un interessante sviluppo del pagamento digitale è anche quello dei solleciti e titoli di pagamento. Inviati tramite email o app, consentono di effettuare il pagamento direttamente dal titolo, senza connettersi al proprio homebanking. In questa ambito si configura anche l’adozione, da parte di billers e operatori, del QR code come strumento di pagamento user-friendly, in particolare in una nazione come l’Italia, caratterizzata da una elevata età media e da un grande attaccamento alla cartamoneta.
AI e DLT
La crescita e l’evoluzione di queste tecnologie stanno quindi creando opportunità uniche per migliorare i processi esistenti. L’intelligenza artificiale viene utilizzata in tutto il settore fintech per analizzare i dati, rilevare modelli, raccogliere informazioni e, successivamente, proporre azioni: questo consente alle applicazioni di “apprendere” e migliorare nel tempo. Le Payment Institution stanno anche esplorando il potenziale dell’intelligenza artificiale applicato ad attività di valore, comprese le funzioni di tesoreria quali la gestione della liquidità e l’ottimizzazione del canale di pagamento.
Un ulteriore approfondimento merita la DLT (Distributed Ledger Technology), il registro decentralizzato che archivia in modo trasparente i dettagli di ogni transazione su una rete condivisa. Ogni blocco della catena si basa sul precedente per garantire che i dati nella blockchain complessiva rimangano invariati. Ciò elimina la necessità di archiviare più copie delle stesse informazioni in aree separate, aumentando così la sicurezza e migliorando in modo significativo i processi, ad esempio quelli di riconciliazione.
Sebbene si stia diffondendo l’uso della DLT, il suo vero potenziale rimane ancora inespresso: possiamo ritenere che la maggiore trasparenza, velocità e riduzione del rischio possano portare – in un futuro non troppo lontano – numerosi importanti vantaggi anche ai processi finanziari e aziendali, inclusa la facilitazione degli accordi di pagamento istantaneo.
Qual è la destinazione di questo percorso?
È chiaro che nessuna singola iniziativa sarà la soluzione univoca che permetterà di fornire pagamenti ottimizzati: è logico ipotizzare che il settore vedrà nel prossimo periodo la coesistenza e l’interazione tra strumenti tradizionali, tecnologie emergenti che si stanno consolidando e diffusione delle valute digitali. Solo le realtà che sviluppano soluzioni e strumenti, integrati e in grado di evolvere, sapranno soddisfare le esigenze dei propri clienti, offrendo sistemi efficaci e completi. Si tratta infatti di investire nei pagamenti digitali, in particolare attraverso la ricerca e lo sviluppo, ma anche di proporre soluzioni con cui gli operatori forniscano un accesso privilegiato per pagamenti tokenizzati, con opzioni efficaci di gestione della liquidità.
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