世界银行：2025年衡量供给侧国内支付成本的比较方法：一项试点研究的结果报告（英文版）

The cost of domestic payments affects individuals, businesses, and economies alike. Everyday transactions, such as paying a vendor, sending money to a family member, or settling a bill, may seem routine, but in many emerging markets and developing economies (EMDEs), the cost of these payments remains a barrier to full financial participation. High payment costs, particularly for digital transactions, reinforce dependence on cash, limit access to formal financial services, and ultimately const