工行软件开发中心首批推出IBPS-FPS中港直通实时汇款产品

移动支付网2025-12-19

移动支付网消息：中国工商银行软件开发中心依托金融科技创新，在香港金管局“跨境支付通”框架下，率先推出IBPS-FPS中港直通实时汇款产品。这一重大突破解决了传统跨境汇款痛点，为粤港澳大湾区居民提供卓越体验，标志着跨境零售支付服务迈入智能化、普惠化新阶段，有力推动了大湾区金融一体化进程。引领支付创新，服务湾区民生。作为香港金融管理局“跨境支付通”（Payment Connect）项目的首批试点银行，...

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Connect）项目的首批试点银行，中国工商银行软件开发中心提供核心技术支持成功推出IBPS-FPS中港直通跨境汇款产品，旨在为中国大陆和香港居民提供更经济、高效、便捷的跨境汇款服务，积极助力粤港澳大湾区金融一体化建设。首批上线对接，实现实时到账。该产品依托中国人民银行与香港金融管理局共建的标准化、高安全性跨境支付通道，实现了香港转数快系统（FPS）与内地网上支付跨行清算系统（IBPS）的跨境直连直通。在项目推进中，工行软件开发中心快速响应、高效攻坚，确保工银亚洲个人手机银行率先完成系统对接，成功支持北向汇款（香港至内地）的全自动化实时到账服务。该服务于2025年4月启动试行，并于2025年6月全面正式推出。突破传统痛点，提升客户体验。IBPS-FPS中港直通产品精准解决了传统跨境人民币业务存在的诸多痛点（如仅限工作日办理、无法实时到账、状态难以追踪），在客户体验维度实现了显著突破：7×24小时服务：客户可通过电子渠道随时办理，打破时间限制。实时到账：资金瞬间完成划转，实现“秒级”到账体验。简化账户输入：支持输入收款人手机号码或银行账号，操作便捷。状态全程可跟踪：客户可实时查询汇款处理进度。高效低成本：特别为持有中国香港身份证的客户提供专属手续费豁免，降低使用成本。承接存量业务，驱动增量增长。IBPS-FPS直通汇款有效满足了香港居民日常小额高频跨境汇款需求。凭借实时到账、可追踪、免费或低成本的核心优势，该产品上线后初期将承接约50%的存量北向小额汇款业务，后续在有力推广下，预计将承接全部本行内地小额汇款业务。更值得关注的是其显著的增量撬动效应：其卓越竞争力有望吸引其他渠道（如微信、支付宝跨境汇款）用户，尤其对费率敏感型和时效要求高的客群形成强吸引力。预计年业务量在2024年基础上增长20%-50%。构建智能范式，深化创新实践。IBPS-FPS中港直通实时汇款的创新推出，构建了智能化跨境资金管理新范式，为两地居民跨境生活和资金管理提供了高效解决方案。这充分体现了中国工商银行软件开发中心强大的科技赋能能力和本地化服务优势，为香港居民参与湾区数字经济、共享内地经济发展搭建了坚实的金融基础设施，推动了大湾区金融一体化进程。未来，工行软件开发中心将继续深度参与跨境支付基础设施建设，紧密关注市场动态与客户需求，推动跨境汇款服务向智能化、普惠化方向持续升级，不断优化个人客户跨境服务体系，释放大湾区金融协同发展红利，扎实推动数字金融创新实践迈向新高度。IBPS-FPS中港直通实时汇款产品的成功落地与应用，不仅是中国工商银行软件开发中心金融科技创新能力的生动展现，更是服务国家粤港澳大湾区发展战略、践行金融为民宗旨的务实之举。它显著提升了大湾区民生金融服务的便利性与可获得性，为深化区域经济融合、促进资金要素高效便捷流动树立了崭新的金融标杆。展望未来，工行软件开发中心将持续以科技驱动服务升级，为构建互联互通、便捷高效的大湾区跨境金融生态圈贡献核心科技力量，开启数字金融服务湾区建设的新篇章。作者为中国工商银行软件开发中心北京开发五部","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"productRelease","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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