Visa调查指香港消费者电子支付使用量首超现金
Visa(V.US)的最新研究显示,香港消费者电子支付使用量自2019年年度研究开始以来首次超越现金,但此新模式亦为电子支付及电子银行的使用和安全性设下特定的期望。
该行进行的消费者支付取态研究2.0发现,78%的受访者表示以现金作为支付方式,远低於2019年的91%,而以信用卡及扣帐卡作为支付方式的则从去年同期80%上升至84%。各项电子支付方式的使用量亦见31至41个百分点的净增幅,今年首八个月减少使用现金的受访者比例高於增加使用现金的受访者,净变幅为37个百分点。
Visa香港及澳门区董事总经理史美琪(Maaike Steinebach)表示,疫情正推动转向无现金社会。除电子商务外,电子银行及开放数据将成为两大增长引擎,推动可持续和可信赖的数码转型。当更多消费者进行连网商业,相信可预视大量金融及个人数据的产生和汇集。
疫情期间,过半(52%)的购物开支透过网络进行(而新冠肺炎疫情前是40%)。当疫情基本过去後,45%的港人预计消费仍将於网上进行。除杂货及外卖食物外,愈来愈多消费者在网上购买保健、体育及休闲、艺术及工艺品以及教育相关的产品或服务。这一系列网上消费行为的转变亦将产生更多消费者相关数据。
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