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2022-06-21
2022-06-21

Industry News
業界資訊
[Chinese version only] |【中小企】中小企如何利用創新 逆境求生並開創商機
【中小企】中小企如何利用創新 逆境求生並開創商機

Please refer to Chinese version.

【業界資訊(轉載)】

第五波新冠疫情無疑為香港中小企帶來前所未見的挑戰,然而,經濟復甦的跡象亦開始呈現。根據澳洲會計師公會最近一項調查,57% 的受訪中小企預計其收入將於未來3個月保持在正常水平甚至有所增長。

隨著社交距離措施逐步放寬,中小企面臨的壓力得以紓緩,而他們積極投資推動創新發展亦促進了整體的樂觀前景。根據上述調查,疫情推動了本地中小企革新其商業模式,超過一半受訪企業表示 2021 年的收入中超過一成來自電子商務,是2017 年以來的新高。換言之,將疫情期間的求生意志轉化成創新的動力,可協助中小企往後站穩陣腳並發掘嶄新機遇。
 

於危機中致力創新
近年「創新」科技世界已劃上等號,但其核心理念與中小企比以往更息息相關。簡而言之,企業可發揮創意從產品和服務、商業模式以及顧客體驗三方面作出提升。

儘管疫情的影響將在未來幾年持續,但危機往往是推動創新的最好時機。根據麥肯錫的研究報告,在危機時優先考慮創新的企業將在經濟復甦期間比競爭對手的表現高出三成。

 

消費者行為及市場需求的急劇變化為中小企帶來不少壓力,但同時這些變化也是顛覆產品、營商模式及顧客體驗的關鍵因素。例如,疫情帶動的電商熱潮,為中小企提供了利用數碼科技拓展新市場及顧客群的契機,同時促使企業提供嶄新的顧客體驗,以滿足世界各地顧客多元的需求及喜好。矢志推動創新的中小企商家可參考以下三點建議:

1.聆聽顧客意見
對時間和資源相對緊絀的中小企商戶而言,開展創新旅程看似困難重重。但商家要注意的是,投放大量資金做研發並非唯一的起步點。

企業的成功並非必然取決於革命性的產品和服務,要確保新產品為消費者帶來額外價值,顧客反饋可作為中小企不可忽略的免費資源。一項調查顯示,九成受訪消費者認為「聆聽顧客意見」是企業推動創新的最佳途徑。此外,中小企亦可密切留意業內的最新消息,例如加入貿易網絡,從中取得改善產品和服務的靈感。

 

2.建立數碼為先的營商模式
要建立創新的營商模式,中小企並不需要顛覆性地重建業務。對傳統實體店而言,在網上拓展銷售渠道便可輕鬆創造新的收入來源。

開設社交媒體帳戶是中小企開拓電商銷售的低成本捷徑,根據PayPal的中小企調查,41% 的受訪本地中小企表示社交媒體是他們在疫情期間刺激業務增長的首選渠道。
電子商務不但可帶動中小企在本地市場的業務增長,更可以透過跨境貿易拓展海外市場。最近一項調查發現,39% 擁有網上銷售渠道的美國中小企對 2022 年的出口增長充滿信心;反之,單單使用線下渠道的中小企當中只有13% 對出口前景抱持信心。因此,走向全球不再只是一種選擇,而是中小企推動業務增長的主要動力和當務之急。 

 

3.提供以顧客為本的購物體驗
與顧客建立互信是中小企成功的基石。就電子商務而言,提供無縫的用戶體驗可長遠提升品牌忠誠度及提高利潤。舉例而言,三分二的消費者在網購時願意為良好的顧客體驗支付更高昂費用。

優化支付流程是提升顧客體驗的最佳方法之一。創新的支付方式包括減少付款過程所需的步驟、提供消費者傾向的支付選項,以及縮短頁面的加載時間等等,務求令支付流程更簡單直接。研究發現,近兩成消費者會因為支付過程冗長而在結賬時選擇放棄購物。幸好,只要作出循序漸進的改變便可協助中小企大幅減低顧客放棄購物的機率,同時提升轉化率。事實上,支付流程中低至 0.1 秒的速度提升已可增加平均8% 的轉化率,以及提升 9% 的訂單價值。

 

香港中小企在過去數月渡過了艱難的時期,但疫情亦為市場帶來機遇。商家應把握時機探索新意念,並為未來作好準備。透過仔細聆聽消費者的意見、投資拓展電商渠道,並確保無縫而順暢的顧客體驗,中小企可以在短期求存之上開始為長期的增長和成功奠定基礎。

 

資料來源:香港經濟日報

2022-04-27
2022-04-27

Industry News
業界資訊
[Chinese version only] | 亞洲網購交易佔全球6成 5大趨勢推動亞洲電商發展
亞洲網購交易佔全球6成 5大趨勢推動亞洲電商發展

Please refer to Chinese version.

亞洲在全球電子商務發展處於領先位置,預料將於今年繼續增長。2021年初,全球網上零售額有近6成來自亞洲,單單是中國便已經佔全球網上交易逾三分一。疫情持續,網上平台已經成為由初創至大型零售商的主要銷售渠道。

隨着商家致力拓展業務,發展跨境貿易及接觸全球顧客群將成為關鍵。在亞洲,消費者可支配收入增加以及互聯網普及率持續上升,加上各地引入新貿易協議,例如今年生效的區域全面經濟夥伴協定,推動區內電商高速增長及數碼經濟蓬勃發展。但問題是:在眾多趨勢中,哪些將會持續影響亞洲電商市場?相信以下5個主要趨勢值得我們在2022年多加留意。

 

1. 數碼優先策略的準備

網購自疫情爆發以來錄得強勁增長,單單是東南亞的網上消費者人數便已經增加了7,000萬。疫情下大大小小的零售商需要適應各種社交距離措施,以及各種複雜的環境變化。現時,商家已具備條件利用數碼轉型獲得成功,而非僅僅生存。

單在亞洲,數碼轉型的市場額預計將於2027年或之前超過1.3兆美元。零售商採用各種數碼工具拓展顧客群並加強與他們的互動,同時開發服務及產品以滿足顧客不斷變化的需求,並利用雲端技術進行數據分析。預計零售商於2022年的發展將取決於愈趨成熟的數碼化進程。

 

2. 個人化及無縫體驗需求增加

在持續的網購熱潮下,僅僅涉足網上世界並不足以讓零售商從蓬勃發展的電商市場中分一杯羹。「無縫商務」正變得不可或缺,從消費者登入到結帳的過程中,每一秒的延遲都會導致轉換率下降7%。確保能夠快速載入網站、介面直接簡單、和迅速無縫的支付體驗可協助商家滿足網上消費者的需求。

受疫情影響,品牌的客戶忠誠度有所下降,消費者變得更願意嘗試新品牌,令商家更有必要了解目標群眾的喜好。為消費者提供個人化優惠或獎勵,以及購物建議。數據分析在這方面就能發揮關鍵作用。

庫存計劃必需經悉心管理,零售商在競爭激烈的環境下不能再單憑直覺作出判斷。透過數據分析,他們將可預測客戶的需求,從而為他們訂定個人化體驗。

 

3. 多元支付方式

IDC的數據顯示,電子支付佔電商總支出的比例預計將於2025年或之前達到91%,勢將進一步帶動多元電子支付方式的增長。

可以期待跨境移動支付的發展出現重大突破,區内不同電子支付系統之間的連接將會加強。新加坡和南韓簽訂的全新數碼經濟協議便標誌着跨境電子支付領域的雙邊合作和發展將變得更加深入。

 

4. 按需自選服務及直播營銷

隨着消費者愈來愈習慣網購,享受隨時隨地購物的便利性和能力,他們對即時和個人化服務的需求亦相應提升。

零售商積極投資於提升服務體驗及提供創新服務,例如使用24小時AI聊天機械人以及WhatsApp等即時通訊軟件。同時,社交銷售渠道的興起,例如品牌利用直播實時展示產品,透過比賽或遊戲等即時娛樂與觀眾互動,以刺激參與度及消費。

直播電商早於2016年在中國首次推出,但直至2020年,由於疫情為實體購物帶來限制,開始在區内變得流行。事實上,新加坡的網購直播營銷從20203月至202012月期間便已經增加了1,890%

透過社交平台與顧客互動同樣有助擴大市場覆蓋率及拓展顧客群,尤其現今支付合作夥伴業務遍布全球,可協助商家接受多種貨幣的付款,提供無縫的跨境支付體驗。

 

5. 提升網絡安全

在電子支付持續增長下,對於詐騙和網絡罪案的憂慮無可避免地上升。事實上,亞太地區8成企業預計今年内會出現保安漏洞,而網絡罪案預料會在2025年或之前對全球造成共10.5兆美元的損失。

因此,在商家開發更多無縫支付體驗的同時,亦須關注如何管理相關風險。騙案手法愈趨複雜,在竊取數據以外甚至篡改數據,造成商家和消費者之間的不信任。為了應對這問題,嶄新科技同時持續演變,並應用於業務中,例如地理定位(Geolocation)、聲音分析(Acoustic analysis),以及基於數據分析的識別等等。

商家必須持續投資並改善其風險管理程序,更迅速地部署風險管理方案,對威脅研究(Threat research)保持關注,並利用AI及機器學習等技術對付騙徒。

2021年確立了圍繞電子支付、網購及無縫的按需要自選服務(On-demand services)的新文化。傳統零售商不能再依賴固有市場佔有率,而需專注於制訂致勝的全渠道策略。這不僅需要利用不同科技實現轉變,更需要在企業文化上作出改變。

隨着行業持續演變,期待看到在支付和收款方式的各種發展和轉變。

 

資料來源:香港經濟日報

2022-04-20
2022-04-20

Industry News
業界資訊
Top 5 Strategies For Accelerating Digital Transformation
[English version only] | Top 5 Strategies For Accelerating Digital Transformation

[pressfoto/Freepik]
 

For the better part of the last decade, the world has experienced dramatic changes. These changes have had huge impacts on the way businesses operate. As a result, many organizations have been forced to shift to a digital model. The number of businesses succeeding in digital transformations continues to increase every day. 

Digital transformation means using modern technologies to improve business operations, systems, processes and customer experience. The transformation lowers the operating expenses of many firms. The workers’ performance and productivity also increases, boosting the company’s profitability

For every modern business to enjoy success in the market, it needs to accelerate its digital transformation. Here is an overview of five practical strategies that we have seen to be the top focus for companies in 2022 to help firms speed up their digital transformation efforts.

 

1. Finding the right technology

Digital transformation is not only about the current software in the company. Finding the right technology is essential for a faster transition. Hiring managed IT services from experience providers is one way of avoiding pitfalls during the transition. 

Choosing the right technology to aid digital transition can be challenging at first. There are several tips out there to help managements choose the right technology for their companies’ growth. The main consideration should be the firm’s needs. New technologies should meet all identified needs of the firm. New projects or initiatives should be focused around cloud and mobile strategies and having a customized end user experience. The management should test the technologies first before their implementation. Experimenting with new technologies ensures that digital transformation happens successfully.

 

2. Helping workers through the transformation

Employees are a crucial part of the whole digital transformation process. The only way of making digital transformation a reality is by not leaving the workers behind. There are ways business management/employers can help employees keep up with digital transitions

One way is by creating a good transition playbook. The playbook is necessary for changing the workers’ mindsets. Building a good digital transformation playbook starts with incorporating simple changes that the workers can understand easily. Less complicated digital projects get more workers involved in the change.

Another way is by training the workers. Training means first helping the team understand the need for digital transformation. Employee collaboration and good dialogue are also effective ways of helping the workers through the transformation.

 

3. Adjusting the culture

Digital transformation should be a constant process. We have seen that even in 2022, companies have had challenges with employees being open to adopting new technologies and ways to get work done. This lack of an adaptability culture slows down the whole transition journey. Business management should create a culture that embraces the new digital changes. There are things to consider when adjusting the organizational culture during digital transformations.

One factor of consideration is the learning ability of the workers. The culture should motivate the workers to be continuous learners and promoters of the newly adopted technologies. It’s also important for employers to reassure the workers about the importance of the transformation to the business.

 

4. Expanding the customer base

One objective of digital transformation is to help a business gain more customers. Digital changes enable many small firms to reach a global audience. The transformations need to focus on boosting the customer experience.

Companies should start by evaluating the needs and expectations of the customers. After need identification, businesses must ensure that the new technologies align with the identified customer needs. The new customer experience should be positive and consistent. Digital transformations must be responsive and easy to use in order to achieve the necessary customer experience. 

 

5. Listening to team's feedback

Listening to employees’ feedback helps a business know if the adopted digital transformations are effective. The team members are likely to be correct about the progress of the digital changes. Business owners get to know whether they should change the already adopted transformation strategies or not.

The feedback should reflect the workers’ positivity about new transformations. If the team members report challenges and discomfort, employers should make necessary adjustments.

 

Examples

There are several modern digital transformation trends for keeping businesses relevant to the customers. One of them is cybersecurity, which protects the company’s and customers’ data. Cybersecurity and data protection builds businesses’ reputations, resulting in customer trust. As a result, the technology attracts more customers, expanding the company’s customer base.

5G technology is another digital trend for providing greater bandwidth and internet reliability. Adjusting the company’s culture by adopting more operations that depend on strong internet connectivity accelerates the success of 5G technology.

Another digital trend is business automation, which improves businesses’ competitiveness and customer service. Businesses have to find the right technologies, like data analytics software, email automations and the introduction of virtual conferencing.

Cloud-based solutions are other digital trends for storing and securing data. Employees have to be properly trained and guided on how to back up the company’s and customers’ data in the cloud to prevent hacking and other cyber threats.

Digital banking is the other latest technology for businesses. Tracking of digital payments, online loan applications and other online transactions by the workers aids the success of digital banking. The workers’ feedback about the success of digital banking helps the management know whether the technology is successfully implemented or not.

The success of digital transformation in any organization can take time, but adopting the right strategies to accelerate the whole process is key to saving time. These strategies also help companies maintain their top positions in the market. Find the right technology, help employees through the transformation, embrace the changing culture, focus on enhancing the customer experience and listen to the team's feedback in order to effectively accelerate your company's digital transformation.

 

Source: Entrepreneur

Please refer to English version.

2022-04-14
2022-04-14

Industry News
業界資訊
Digital Transformation: How To Future-Proof Your Business
[English version only] | Digital Transformation: How To Future-Proof Your Business

Covid-19 delivered catastrophic blows to almost every facet of the business world. While the pandemic became a catalyst of innovation for some organizations, it was a wake-up call for others—especially those with missing or immature digital transformation initiatives.

The pivotal role of digital transformation was underscored further during the first few months of the crisis. Businesses grappling with revenue losses and subsequent layoffs managed to keep afloat with the help of technology. Fast forward to 2022: Digital transformation is still the priority of executives looking to future-proof their businesses. And with technology trends like AI-powered automation and the wider availability of 5G, transformation initiatives are spurred by a slew of different reasons.


Improve Customer Experience And Engagement

We live in an age of digital immediacy. Customers want the best possible experiences offered through digital channels as fast as possible. To meet the rapid rise in customer expectations, forward-thinking businesses looked at digital transformation for solutions.

According to one study, boosting customer experience and engagement remains the top goal driving digital transformation. During the onslaught of the crisis, governments all over the world imposed lockdowns, which increased the demand for online shopping and delivery services.

One report reveals that online retail sales’ share in total retail sales increased from 16% to 19% in 2020. Businesses that were quick to adapt accelerated their digital adoption, leveraging e-commerce, data analytics and automation tools. These digital leaders were able to maintain, if not elevate, customer satisfaction.

So, how can your businesses do the same?
 

Keep Customers In The Loop

As the future remains uncertain, no one knows when we'll return to "normal"—if we ever will. For this reason, it’s crucial for businesses to think of innovative ways to stay connected with their customers. For example, service businesses may have to implement a skeletal workforce if the government announces restrictions anew, which would require technology to send updates and alerts as a means of managing customer expectations.

 

Analyze Customer Behavior

There are several insights you can gather from analyzing customer behavior data. By utilizing technology like AI, you can learn a lot about what customers want, how they want it and their bottlenecks. While behavioral analytics takes time and money, it’s usually worth it since it enables data-driven decisions that will elevate the customer experience.

 

Maximize Operational Efficiency

Operational efficiency should remain a top digital transformation goal. After all, enterprises seeking to increase their profit need to improve efficiency first. When crafting an efficiency improvement plan, decision-makers need to ask the following:

• How can we sieve out relevant information faster and more efficiently?

• How can we transform enterprise data intelligently at scale?

• How can we address technological challenges like simplifying complicated helpdesk processes for quicker resolution of IT issues?

Breaking down data integration, process delays, process automation and data analytics issues makes it easier to identify the right technologies and determine the best route to deployment. Enterprises just need to remember that the path to digital transformation greatly depends on the industry they belong to.

 

Legacy System Modernization

Out of fear of falling behind the competition, many businesses with legacy systems are learning to let go. Modernizing old systems, after all, provides several incredible benefits to business efficiency, such as:

• Accessing data in real time

• Addressing customer concerns quickly

• Identifying and resolving issues faster

• Ensuring compliance

• Boosting data security

It’s worth noting that, in the modern enterprise, speed is key. Utilizing technology, such as automation tools and cloud solutions, helps teams move faster through the digital transformation road map and toward becoming more efficient.

 

Reinforce Cybersecurity And Data Privacy

As more people rely on the internet and virtual platforms, it has become increasingly imperative for enterprises to strengthen their digital security. Compromised security can bring devastating consequences to a business's reputation and revenue. Unfortunately for some businesses, they had to learn the hard way. According to a 2021 report by Sophos, the proliferation of ransomware attacks costs mid-sized organizations an average of $170,404.

Fortunately, there are ways to heighten cybersecurity and data privacy in today’s highly digital world. Proactive cybersecurity practices, like continuous security validation, can help businesses prevent cyberattacks before a breach actually occurs.

While it’s vital to protect data from external threats, insider threats also remain one of the biggest security issues, meaning enterprises must remember to look into their own backyard, too. Leveraging technology to moderate information access will be pivotal in reinforcing cybersecurity and data privacy.

 

Introduce New Products And Services

The pandemic emphasized that businesses have to think creatively to stay afloat amid unprecedented circumstances. To some, it was a precursor to new offerings that will help maintain a positive cash flow.

For instance, service industry businesses like gyms had to close their brick-and-mortar branches to prevent the spread of the disease. We’ve seen fitness trainers offer classes at home with the help of technology to cope and continue earning.

Such use cases highlight the importance of pursuing digital transformation. Nowadays, businesses are placing additional effort into innovating solutions to become more future-ready amid uncertain times.

 

Conclusion

The pandemic tested business resiliency, and we’ve seen that the common denominator in enterprises that survived is digital transformation. Organizations across all industries need to seriously consider their next transformation steps in order to cope with unexpected challenges today and in the future.

 

Source: Forbes

Please refer to English version.

2022-03-26
2022-03-26

Industry News
業界資訊
[Chinese version only] |【電子支付】FIS:2025年電子錢包將成香港首選電子商務支付方式 佔電子商務總交易額40%
【電子支付】FIS:2025年電子錢包將成香港首選電子商務支付方式 佔電子商務總交易額40%

Please refer to Chinese version.

【業界資訊(轉載)】

 

根據金融服務支付服務商 FISNYSE: FIS)發布的最新調查報告顯示, 信用卡或簽賬卡在今年仍然是港人的首選網上購物支付方式,佔電子商務總交易額的43%。然而,至 2025 年,電子錢包將會取代信用卡或簽賬卡,成為香港領先的電子商務支付方式。
 

Worldpay from FIS 香港支付服務發言人蘇鈞濠表示,傳統和新興支付方式的競爭,使香港的支付方式日趨多元化。在疫情下,本港消費者渴望獲得方便、快捷的購物體驗,對電子支付的整體需求持續上升。 政府去年發放電子消費券亦加快了電子支付在港的應用。儘管如此,信用卡的地位仍然屹立不倒,作為電子錢包充值的主要資金來源之一,信用卡將繼續滲透市場。展望未來,商家需要力求創新,並與領先技術供應商合作以滿足現代消費者多元化的需求。
 

在香港電子商務支付趨勢方面,報告指,香港電子商務市場預計在 2021 年至 2025 年間增長 46%,市場價值高達 312 億美元。而按總交易額計算,2021 年首選電子商務支付方式最多是佔43%的信用卡或簽賬卡,緊接是佔33%的電子錢包,第三位是佔11%的銀行轉賬。報告又預計至 2025 年,電子錢包將取代信用卡或簽賬卡,成為香港首選的網上購物支付方式,佔電子商務總交易額的 40%,而信用卡則佔 37%。除此之外,先買後付在本地的接受程度將會愈來愈高,至 2025 年,先買後付將成為增長最快的網上購物支付方式,其複合年均增長率達到 59%,預計其增長速度將力壓其他支付方式。
 

在香港店內消費銷售點支付趨勢方面,報告顯示,2021 年現金使用略見回彈後,預計於 2022年重新下跌,至 2025 年僅佔店內消費總交易額的 7% 而在 2021 年,信用卡或簽賬卡付款仍然是香港人於店內消費的首選,佔總交易額的55%,此趨勢將保持到 2025 年,預計佔總交易額的 50%。與此同時,手機錢包將成為香港增長最快的店內消費支付方式,預計手機錢包將於 2025 年佔總交易額 36%,其複合年均增長率達到 16%

 

資料來源:iM智富

2022-03-08
2022-03-08

Industry News
業界資訊
[Chinese version only] |【財政預算案2022】電子消費券每人再派1萬元共涉660億 4月先派5000元、年中派第二期 第二期可轉電子支付工具
【財政預算案2022】電子消費券每人再派1萬元共涉660億 4月先派5000元、年中派第二期 第二期可轉電子支付工具

Please refer to Chinese version.

【業界資訊(轉載)】

 

財政司司長陳茂波發布《財政預算案2022》。財政預算案再度提及派發電子消費券,電子消費券金額將加碼至1萬元,並會分兩期發放,每輪電子消費券金額為5000元。財政預算案電子消費券透過合適的儲值支付工具向每名合資格的18歲或以上香港永久性居民及新來港人士,新方案惠及660萬人,代表涉資660億元公帑,行政費約4億元。

 

4月發放第一批5000元電子消費券

陳茂波指,深切明白這一波疫情令不少行業及市民深受影響,為了紓緩市民及不同商戶的壓力,會作一個特別安排,透過去年推出的消費券計劃所收集的登記資料,在4月份先向超過630萬名已成功登記的市民發放5000元消費券,餘額會跟新符合資格人士的消費券一起在年中分批發放。

政府消息人士指,4月的一批消費券會向市民之前已登記的儲值支付工具發放。對於年中的一次消費券發放,政府會就儲值支付工具營辦商再進行甄選,意味有機會有新營辦商加入,而市民亦可重新選擇支付工具帳戶,但須再次登記。至於4月的一批消費券,除非市民已取消戶口或遺失八達通等特殊情況,否則不容許轉用其他儲值支付帳戶收取。

 

年中再發放第二批消費券

至於甄選第二階段發放儲值支付工具的條件,包括儲值支付工具的商戶及用家覆蓋面、易用程度、籌備所需時間及相關經驗等。政府消息人士解釋,再對儲值支付工具營辦商甄選,是由於過去一年有其他儲值支付工具發展成熟,故希望向市民提供更多選擇,亦期望營辦商良性競爭下提供更多優惠,令消費氣氛良好,使消費券成效更大。同時,此舉亦有助推動電子支付工具發展。

值得留意的是,選用八達通的市民在4月的一批消費券發放時要分兩期收取,第一期收款4000元,特定時間內使用完4000元使可取得餘下1000元消費券。

消息人士又稱,新一輪消費券的期限與用途大致與上一輪相同,因市民已熟悉了運作。為免移民人士亦可獲發,政府會對年中握推的消費券進行抽查,抽查市民是否在港居住。

政府會透過臨時撥款決議案的動議,向立法會表明會於決議案通過後隨時動用消費券計劃的撥款。

 

AlipayHKWeChat PayHK 歡迎措施 未知詳情

去年有份營運電子消費券的AlipayHK表示,支持政府繼續透過派發電子消費券方式紓解民困,目前尚未清楚相關細節,具體還須等待政府的進一步公布和通知。AlipayHK稱,合作商戶的交易在消費券期間錄得明顯增幅。

WeChat Pay HK也聲明支持政府再次推出消費券計劃,將共同提振疫情下經濟復甦和電子支付發展,但須待政府相關部門公布。

八達通回應指,很高興政府再次推行消費券計劃刺激經濟;公司會全力配合政府推動便利市民和商戶使用消費券。

AlipayHKWeChat Pay HK近期已宣布,分別從2月、1月起豁免中小商戶全部交易手續費。八達通此前稱,2021年申請使用商用版八達通App的中小商戶,八達通將會延長豁免轉賬費用直至20226月底;新商戶則由其開戶的月份起獲豁免6個月銀行轉賬費用。

 

資料來源: 香港經濟日報

2022-02-06
2022-02-06

Industry News
業界資訊
[Chinese version only] | Visa聚焦2022五大支付趨勢 感應支付、先買後付繼續夯
Visa聚焦2022五大支付趨勢 感應支付、先買後付繼續夯

Please refer to Chinese version.

【業界資訊(轉載)】

 

疫情改變人們支付習慣,Visa發現現今電子商務消費規模(不含旅遊)已達2019疫情前的1.5倍,且近六成的消費者認為支付習慣已永遠改變。生活轉移至線上的趨勢同時加速了數位支付發展。簽帳支付金額在過去一年更成長了兩成,這在全球各地都可見相同趨勢,顯示數位支付在發展中與已開發國家都迅速發展。

 

Visa觀察2022年值得關注的五大支付趨勢:

趨勢一,感應支付興起;即便許多商務場景在過去幾年已轉往線上,人們仍會在實體通路消費。全球超過七成的實體交易皆為感應支付,超過70個國家與地區的感應支付滲透率高於五成。Visa最新「消費者支付態度調查3.0」顯示,感應支付在台灣和香港最受消費者愛用,在台灣有超過五成消費者表示愛用,包含感應式卡片及感應式行動支付。Visa預期這個趨勢將持續成長,因社交距離等防疫規定,消費者仍有零接觸、感應交易的需求。同時商家部署也已十分完善,超過 75% 的線下交易皆發生在支援零接觸交易的店家。

趨勢二,先買後付(BNPL)崛起;過去幾年,電商與數位支付的快速發展,也衍生出更創新、靈活的支付方式BNPL,不論是新創業者或者租賃業者的解決方案,從零售面向切入提供便利消費與彈性支付,特別能協助可能身為自營業者,或尚未累積信用分數等無卡消費者的需求。Visa調查,八成以上台灣消費者使用信用卡分期付款,使用BNPL的消費者則在一成以下,在台灣這個成熟的信用卡分期付款市場中,先買後付服務的確鎖定尚未滿足的金融族群以及使用痛點,並帶來了創新,期待其使用族群與面向的成長,同時朝向全面且流暢的支付體驗來發展,例如增加便利還款機制、還款能力評估創新等作法,以促進付責任創新與政府普惠金融遠景。

趨勢三,加密貨幣逐漸成熟;僅管加密貨幣未來扮演的角色仍尚待觀察,可以確定的是,加密貨幣未來將能運用於更多場景。Visa全球調查顯示,關注加密貨幣成人中,有過半希望銀行能提供加密貨幣產品;已擁有加密貨幣的受訪者中,近四成可能將主要銀行轉到有提供加密貨幣產品的銀行。許多央行也正在評估發行央行數位貨幣,某些市場已在進行測試或執行,如瑞典、泰國、中國等。金融機構也需要盡快擬定加密貨幣策略,幫助消費者順暢、安全地進入加密貨幣生態系。

趨勢四,B2B支付消費化;近期許多消費支付的創新都是從消費者的體驗與需求出發應運而生,而消費者對全球金融服務的期望也產生變化,消費者期望獲得更快、更數位、更透明,幾近量身訂做的體驗。B2B支付雖然聚焦企業需求,其實背後也是由這群希望現有B2B生態系也能同樣達到創新、便利、安全、速度的這群人所推動,因此Visa預期B2B支付將產生消費化的趨勢。

中小企業和商家對電子商務需求的成長,為推動安全、快速的數位支付提供助力 ;新的支付型態與網路也逐漸產生與拓展;金融科技新創也正積極開發可能重塑跨境金流的解決方案。隨著即時支付、透明度和可追蹤性被優化及整體消費者支付體驗現代化,Visa也預期將有更多優化現有B2B金流的需求。

趨勢五,銀行逐漸「開放」;開放銀行將消費者的數據所有權歸還給消費者,而透過API,開放銀行可在消費者同意的情況下,將財務數據提供給可信賴的第三方機構,並為消費者帶來更創新的金融產品與服務。

 

如同 B2B 支付消費化、金融機構推出符合消費者對數位資產興趣的服務、及從消費者需求衍生的先買後付等前幾項趨勢,開放銀行同樣強調「聚焦消費者需求」,讓消費者再次掌握資訊與決策權,最終目標是讓消費者的金融生活更可靠、安全、簡單,並讓金融科技新創一同參與共創。

 

資料來源: 聯合新聞網

2022-02-06
2022-02-06

Industry News
業界資訊
13 Effective Ways To Improve And Expand Digital Payment Methods
[English version only] | 13 Effective Ways To Improve And Expand Digital Payment Methods

[Industry News (Repost)]
 

Digital payment technology has made it possible for anyone with a smart device to conduct transactions easily and securely, both in person and online. Both companies and consumers are embracing digital payments as a fast, reliable and contactless way to exchange money, but there are still innovations and improvements to be made.

If your business is considering adopting digital payment methods, it’s important to understand where they’re currently at and how they can be made more effective. Below, 13 Forbes Technology Council members offer insights on optimizing this popular transaction technology.

 

1. Be Open To New Technologies

Digital payment methods are positioned to be a major influence on the economic prosperity of many third-world and first-world countries, impacting everything from remittances to transferring funds via cryptocurrency backed by blockchain technology. Already, countries such as Ukraine, El Salvador and others have adopted Bitcoin as legal tender, signifying the growing adoption of this new technology. - Marc Fischer, Dogtown Media LLC

 

2. Provide Incentives For Use

Digital payments are highly platform-dependent, often not supported by merchants’ point of sale systems and expensive in comparison to cash. For more mainstream adoption, the value must be delivered to consumers (resulting in better purchasing power); this would drive the merchant’s or platform’s interest in supporting digital payments. Techniques similar to credit card “cash back” incentives could be applied to the merchant or P2P platforms. - Chitra Sivanandam, Reinventing Geospatial, Inc. (RGi)

 
 

3. Cater To Those With Disabilities

Digital payment methods for people with disabilities fail at checkout. Online shopping carts rarely function smoothly (if at all) for people using screen readers. The complexity of the process is often a critical issue for people with cognitive and mobility impairments. Simplifying the checkout process would eliminate these challenges faced by so many and bring another billion consumers online. - Lionel Wolberger, UserWay Inc.

 

4. Expand The Types Of Transactions

I believe digital payments should start expanding to more complex transactions that include financing and insurance. For example, rather than have customers simply pay for a product, merchants could offer a loan or spread the payments over a longer period. Furthermore, digital payments should be embedded in more devices—your kitchen or office appliances could order supplies for themselves. - Eliron Ekstein, Ravin AI Limited

 

5. Implement Identity Management And Encryption

It’s essential to ensure the security of customer data in each and every transaction. As more payments are transacted digitally, organizations will face improved attacker techniques, no matter the physical location of the customer. To make it more difficult for hackers to access customer payment data, implementing identity management and encryption is vitally important on every payment transaction, big or small. - Todd Moore, Thales Group

 

6. Create A Faster User Experience

Digital B2B payments have an astounding potential to save businesses money and improve efficiency and cash flow. Frictionless onboarding for businesses and immediate access to funds via virtual cards and mobile wallets will make digital payments easier and drive greater adoption. It’s not just about simplifying the transaction; it’s also about creating a fast, easy and secure user experience. - Derek White, Galileo Financial Technologies

 

7. Include Digital Payment Services In Social Platforms

Digital payments are revolutionizing consumer behavior and improving the consumer experience. One such way is the integration of digital payments in chat applications such as WhatsApp, WeChat and Snapchat as well as in social media platforms such as Instagram. One of the largest retailers in India is offering its services and products via WhatsApp, and payments are made using digital methods. - Vasudevan Sundarababu, Pactera Edge

 

8. Integrate The Payment Value Chain

Digital payments can be much cheaper, faster and easier if a company can vertically integrate all stakeholders in a payment’s value chain. Instead of having separate merchant acquirers, networks, issuers, fraud engines and so on, a single company could merge them all and create rails of its own. This could give back interchange to merchants, provide greater rewards to customers, increase authority and reduce fraud. - Roy Andrew Ng, Bond

 

9. Support Global Standardization

Global interoperability and standardization are key in digital payments, especially across borders. They would reduce friction and increase the ease of transactions and commercial relationships. They would also create flexibility in the workforce and supply chain. In the end, commerce would be significantly more efficient and streamlined. - Olga V. Mack, Parley Pro

 

10. Add Additional Layers Of Security

Digital payments are incredibly convenient and have become critical to the economy over the past two years. But they open consumers up to potential privacy and security risks. With the introduction of features such as credit card masking, which creates temporary, single-use credit card numbers, consumers can continue to reap the benefits of digital payments with dramatically reduced risk. - Hari Ravichandran, Aura™

 

11. Combine The Checkout And Buying Experience

Digital payments can be made more effective by embedding the checkout experience on the same page as the buying experience. Do not redirect the consumer to another payment or checkout page after they’ve selected the product(s) or service(s) they want to purchase; instead, allow payment transactions to take place on the same page. Fewer clicks and redirects equal higher conversions. - Steven Khuong, Curacubby

 

12. Decentralize Payments

Detach the reader from the pin pad. It should be possible to pay anywhere in a venue without the need for a full-fledged pin pad. Imagine restaurants with readers at each table or movie theaters with one at each chair. This would allow for immediate payment and decision-making beyond the POS. Cash wraps continue to plague the forward momentum of retailers. Decentralizing payments will be key! - Tom Roberto, Core Technology Solutions

 

13. Incorporate Biometric Authentication

One way digital payments might be made more effective is by incorporating biometric authentication. This would mean that, in order to make a payment, the consumer would need to scan their fingerprint or use some other form of biometric identification. This would add an extra layer of security to the transaction and help to ensure that only the authorized user is able to make a payment. - John Giordani, NCHENG LLP

 

Source: Forbes

Please refer to English version.

2022-01-13
2022-01-13

Industry News
業界資訊
Visa Study: Small Businesses Optimistic, Looking to Digital Payments for Growth in New Year
[只限英文版本] | Visa Study: Small Businesses Optimistic, Looking to Digital Payments for Growth in New Year

[Industry News (Repost)]

 

  • The 6th edition of Visa’s Global Back to Business study finds that 73% of small businesses surveyed1 said accepting new forms of digital payments is fundamental to growth in 2022
  • 59% of small businesses surveyed said they already are, or plan to, use only digital payments within the next two years – largely in step with 41% of consumers surveyed who said the same
  • 90% of small businesses surveyed with an online presence said they attributed pandemic survival to increased efforts to sell online

 

SAN FRANCISCO--(BUSINESS WIRE)--Jan. 12, 2022-- As Visa (NYSE: V) continues toward its goal of digitally-enabling 50 million small and micro businesses (SMBs), a new research study released today – the “Visa Global Back to Business Study – 2022 SMB Outlook” – found that 90% of surveyed SMBs said they are optimistic about the future of their businesses, the highest level of optimism in Visa Global Back to Business studies to-date. While wiping down groceries and quarantining mail might be bygones of an earlier pandemic era, some changes – such as increased use of digital payments – are here to stay: 82% of SMBs surveyed said they will accept digital options in 2022 and nearly half (46%) of consumers surveyed2 expect to use digital payments more often in 2022, with just 4% saying they will use them less.

This press release features multimedia. View the full release here: https://www.businesswire.com/news/home/20220112005380/en/

“Payments are no longer about simply completing a sale. It’s about creating a simple and secure experience that reflects one’s brand across channels and provides utility to both the business and its customer,” said Jeni Mundy, Global Head Merchant Sales & Acquiring, Visa. “The digital capabilities that small businesses built up during the pandemic – from contactless to e-commerce – helped them pivot and survive and, by continuing to build on this foundation, can now help them find new growth and thrive.”

According to this year’s study, which surveyed small business owners and consumers in nine markets – Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore, United Arab Emirates and United States – the consensus outlook for 2022 is one of optimism and intent to digitize even more:

 

The Path Forward in 2022 for SMBs

  • 2022 Ushers in Optimism and Confidence: Building on the 90% of SMBs surveyed who are optimistic about their future, 54% viewed the last year as an opportunity and report their business is doing well heading into the new year, up from 46% who said the same during summer 2021.3
  • Going Long on Digital Payments – Even Crypto: An overwhelming 82% of SMBs surveyed said they plan to accept some form of digital option in 2022 and 73% see accepting new forms of payments as fundamental to their business growth. Of those surveyed, 24% said they plan to accept digital currencies such as the cryptocurrency Bitcoin.
  • E-commerce Buoyed Businesses: Of small businesses surveyed with an online presence, 90% agreed their survival through the pandemic was due to increased efforts to sell via e-commerce, and reported that, on average, over half of their revenue (52%) came from online channels in the last three months.
  • Leaving the Change: A majority of SMB respondents expect their business to shift to relying exclusively on digital payments in the future. While 64% of survey respondents anticipate being able to make this shift within 10 years, 41% say it could be within the next two years—and 18% are cashless already.

 

Consumers Set the Tone in 2022

  • Accelerating Toward a Digital Future: More than half of consumers surveyed (53%) responded they expect to shift to being cashless within the next 10 years, 25% said it will happen in the next two years and 16% are already using only digital payments. The top benefits for relying more on digital payments amongst surveyed consumers were easier online shopping (47%), followed by less risk of robbery (38%) and convenience (37%).
  • Abandoned Shopping Carts In-Real-Life (IRL): The failure to offer digital payment is frequently a dealbreaker – 41% of consumers surveyed said they have abandoned a purchase in a physical store because digital payments were not accepted, and younger shoppers are even more likely to do so. Gen Z (59%) and Millennials (55%) have not bought something because there was no way to pay digitally, significantly more than Gen X (38%) or Boomers (19%).
  • Consumers Embrace the Global Marketplace: As small businesses look to reach more customers online, 50% plan to increase cross-border sales in 2022. On average, 68% of consumers responded they are comfortable buying items or services from a business in another country or territory. Of those who are not completely comfortable, 57% cited that fraud protection typically offered by their credit or debit card provider, such as Visa's Zero Liability Policy, makes them more comfortable with international commerce.

 

Digitally-Enabling 50 Million Small Businesses

Since the start of the pandemic, Visa has launched a variety of community-based programs to help more small businesses accept digital payments and gain greater access to the digital economy. As part of this ongoing commitment, Visa today also announced it has helped to digitally-enable 24.8 million SMBs worldwide, or 50% of the multi-year goal it set in 2020 to digitize 50 million SMBs.

Throughout 2022, Visa will continue to provide resources that support small businesses, such as the $1 million Grants for Growth program announced earlier this week with Uber and Local Initiatives Support Corporation (LISC). Through Grants for Growth, 100 merchants will receive grants of $10,000, disaster recovery and resiliency guides from Uber and LISC, and placement in the Uber Eats app. Grants for Growth will be supported and managed by LISC and focuses on local Uber Eats restaurants in 10 cities: Atlanta, Boston Chicago, Detroit, Los Angeles, Miami, New York/New Jersey, Philadelphia, San Francisco Bay Area and Washington D.C. For more information on how to apply for Grants for Growth, please visit lisc.org/uber.

More information on the programs Visa has made available to small and micro businesses can also be found on the Visa Small Business Hub and the Visa Small Business COVID-19 support site.

 

Methodology: Visa Back to Business Study
The Visa Back to Business Study was conducted by Wakefield Research in December 2021 and surveyed 2,250 small business owners with 100 employees or fewer in Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore, United Arab Emirates and United States. The consumer section surveyed 1,000 adults ages 18+ in the United States, and 500 adults ages 18+ in Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore and United Arab Emirates.

 

Source: Visa

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