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[Chinese Version Only] 港初創KPay融資7800萬 一站式支付服務 1.2萬商戶採用
港初創KPay融資7800萬 一站式支付服務 1.2萬商戶採用





去年KPay推出首項電子支付服務,其智能POS收款機的機身,可配合SIM卡或室內無線上網使用,毋須固定於指定位置,在店舖擺設更具彈性。POS收款機接受14個主要支付渠道,包括Visa、Mastercard、銀聯、JCB、AlipayHK、支付寶、微信支付(香港和中國錢包)、雲閃付、Apple Pay、Google Pay及Samsung Pay等,有效簡化繁瑣收款及結算流程。

簡單而言,KPay支援多種收款模式,包括掃描或顯示二維碼、拍卡收款、插卡收款,以及手機近場通訊(NFC)感應式收款。公司提供的收款服務,包括終端機及結算平台,均取得各項相關認證及受有關監管機構約束,例如PCI DSS支付產業數據安全標準、EMV認證、Visa payWave、Mastercard PayPass認證,以及銀聯卡受理終端產品認證,讓商戶及消費者安心交易。


攻亞太區 進軍星洲台灣







Innovative fintech company service provider KPay completes US$10 million financing



Innovative fintech company service provider KPay completes

US$10 million financing

Rapidly acquires more than 12,000 MSME customers and

actively develops Asia Pacific market


(26 September 2022, Hong Kong) Fintech start-up KPay Merchant Service Limited (“KPay”, or the “Company”) is pleased to announce that it has recently completed a US$10 million financing round with the support of its founders. KPay has developed rapidly since its establishment in Hong Kong at the end of 2020. With its leading technology and comprehensive one-stop digital payment and business management solutions, KPay has effectively catered to the operational needs of micro, small and medium-sized enterprises (“MSMEs”) and has amassed more than 12,000 local merchants within a short period of time – achieving a lead over its peers in customer acquisition. KPay will use the funds raised to support product development and regional expansion, and is actively preparing for institutional round financing.


Davis Chan, Chief Executive Officer and Co-founder of KPay, said, “KPay officially commenced operations in early 2021, adhering to the mission of empowering MSMEs to drive growth and promote digital transformation. We have established three major business engines, namely, payment with KPay, B2B ecosystem with KConnect, and MSME financing with KFund. We are encouraged by the successful completion of this US$10 million round of funding. With an experienced and professional team, the Company will continue to optimise products and services, expand market coverage, and strive to bring efficient and convenient integrated business solutions to MSMEs in various industries in Hong Kong and other Asia Pacific markets."


As a financial technology company focused on developing a full range of business solutions, KPay is committed to empowering MSMEs to enhance market competitiveness with its cutting-edge technologies. Currently, KPay’s customers span across a wide variety of sectors such as retail, food & beverage, beauty, healthcare, education and professional services. Last year, the Company launched its first KPay electronic payment service to provide a one-stop transaction payment solution to merchants. Its Smart POS Terminal accepts up to 14 major payment channels including Visa, Mastercard and UnionPay, effectively simplifying the cumbersome payment collection and settlement process. The Company is also planning to launch its online payment gateway in the fourth quarter this year. Pairing with the in-house developed mobile application, merchants can view consolidated data from different payment channels. This allows merchants to easily monitor their business performance and identify sales trends.


Following the success of its electronic payment service, KPay launched the KConnect cloud business management tool platform and the KFund financing service product this year to further expand the scope of its services, bringing more innovative features and comprehensive support to MSMEs. KConnect has built a comprehensive B2B ecosystem with SaaS tools from multiple local service providers for merchants to choose from, covering membership management systems, retail systems, accounting and bookkeeping systems, inventory management, etc. Focusing on the daily operational needs of MSMEs, it provides a simple and convenient one-stop management system to help merchants easily address their operational pain points. The solution will provide an integrated data dashboard which allows merchants to view real-time operational data analyzed across multiple 3rd party SaaS tools. KFund, meanwhile, utilises merchants’ transaction data to tailor financing solutions to meet their needs.


Riding on the strong growth momentum, KPay established an office and formed a business development team in Singapore in June this year. In its first step to expand in the country, KPay has launched its payment solutions to the market. The number of customers served by the Company’s business in Singapore is gradually picking up and the successful business model and growth trajectory of Hong Kong market are expected to be replicated in Singapore. Meanwhile, KPay is at the final stage of preparation for its expansion into the Taiwan market. The Company envisages launching its services in the market in the fourth quarter of this year, thus taking its presence to another market outside of Hong Kong. Looking ahead, KPay will actively explore the Asia Pacific market, further expand its user base and provide comprehensive business support to more SMEs.



About KPay

Established in July 2020 and headquartered in Hong Kong, KPay Merchant Service Limited (“KPay”) is a financial technology (fintech) company focusing on providing integrated business solutions, and offering professional and innovative products to enhance the market competitiveness of micro, small and medium enterprises (MSMEs) in the Asia Pacific region. KPay solutions were launched in early 2021, covering online and offline fintech services including electronic payment platforms and user management products. With the support of a top-notch technology development team, the Company strives to improve the functionality of various products to cater to the needs of merchants and help them maximise business performance. KPay is abreast of market trends in different regions where its highly experienced sales and after-sales teams provide merchants with a range of business logistics support timely, enabling MSMEs from different sectors to operate more smoothly and strategically by enhancing their ability in digital technology application, and for the Company to realise its vision of "building a mutually beneficial and synergistic e-finance ecosystem”.


For more information about KPay, please visit the Company's website: http://www.kpay-group.com




迅速吸納逾12,000家中小微企業客戶 乘勢積極進軍亞太市場


(2022926日,香港訊) 金融科技初創公司KPay欣然宣佈,獲得始創團隊的資金支持,已於近日完成1,000萬美元的融資。KPay2020年底在香港成立以來高速發展,憑藉領先的技術及完善的一站式網上支付及業務管理解決方案,有效迎合中小微企業的營運需要,成功於短時間內累積超過  12,000家本地商戶,獲客速度領先同儕。公司將利用是次籌集所得資金支持產品研發及區域擴張,並正積極籌備機構輪融資。












KPay Merchant Service Limited (KPay) 成立於20207月,總部位於香港,是一家專注於全方位商務解決方案的金融科技公司,利用專業而創新的產品為亞太地區中小微企業提升市場競爭力。KPay2021年初全面投入市場服務,業務涵蓋線上、線下之金融科技服務,包括電子支付平台及用戶管理產品等。憑藉頂尖的技術開發團隊,集團針對商戶所需竭力提升各類產品的功能性,務求協助商戶提升業務表現。KPay緊貼各地市場脈博,經驗豐富的銷售及售後團隊快速應對為商戶提供適切的商貿後勤支援,提高各行各業中小微企業應用數碼科技能力,讓各行各業的中小微企業經營更順暢及具策略性,實現「建立互利共營的電子金融生態環境」的願景。




Industry News
[Chinese Version Only] 數碼化轉型勢在必行 KPay一站式數碼方案 助中小企佔盡先機
數碼化轉型勢在必行 KPay一站式數碼方案 助中小企佔盡先機

持續的新冠疫情無疑為香港中小企帶來前所未見的挑戰,幸而經濟復甦的跡象開始呈現。 根據最近澳洲會計師公會一項有關本港中小企當前和預期業務表現的調查,反映了疫情加快推動本地中小企革新其商業模式及積極投資數碼轉型,逾半受訪企業表示 2021 年的收入中逾一成源於電子商務,而且四成受訪者更認為數碼化及科技投資提升了企業盈利能力,包括:電子支付、軟件即服務等。

金融科技公司 KPay提供全方位的數碼方案 ,涵蓋電子支付平台,以及「軟件即服務」的一站式管理平台等,利用先進的線上線下金融科技技術,全面支援中小企提升市場競爭力,並發掘嶄新機遇。KPay於本年度榮獲BusinessFocus商業大獎「傑出金融科技服務供應商大獎」可謂實至名歸, KPay 行政總裁陳德群( Davis) 指出:「全面的數碼化營運模式是逆市下為中小企商戶帶來開拓商機的出路,我們一直致力為中小企提供一站式數碼方案,今次獲獎對我們的團隊是一個很大的鼓舞!」


由Ms. Kelly Tang (Senior Strategy Manager) 代表領獎

由Ms. Kelly Tang (Senior Strategy Manager) 代表領獎


一站式收款方案    突破地域限制

為了與「想買就買」的Z世代消費主義接軌,KPay 智能POS收款機全面突破地域限制,讓商戶接受更多付款模式及更快完成交易。商戶只需使用數據SIM卡或Wi-Fi連接網絡便能接受付款,更可接受多達十四種支付方式,包括時下普及的感應式拍卡支付、二維碼收款等。

「我們的專業團隊緊貼各地市場脈搏,快速為商戶提供相應的商貿後勤支援,致力提升各類產品的功能性,協助商戶將利益最大化。關鍵服務之一是便利可靠的一站式收款方案,把過往繁瑣的結算及收款過程變得輕鬆及安全 。」Davis說。 相比於傳統收款終端機,KPay智能POS收款機更靈活方便,同時讓交易支付更暢通無阻。

另外,電子收款既可減低現金找續失誤或收到偽鈔的風險,亦能節省每日人手對賬、到銀行排隊入賬等瑣事,讓商戶可更專注業務發展,有效提升營運效率。我們的商戶更可透過「商戶系統平台」 管理及查閱所有渠道的交易記錄及銷售報告,從而進一步分析銷售策略,洞悉市場趨勢並制定最佳策略。


SaaS方案一步到位   化解難題於無形

中小企商戶在各個層面的業務營運上面對不同挑戰,包括:存倉管理、會計理財、開拓客源等,軟件即服務(Software as a Service, SaaS)為不少企業帶來營運上的綜合解決方案。用家只需透過KConnect的一站式管理商務平台,訂閱軟件服務即可使用系統,減省系統開發的時間及資源,從而有效協助商戶制定銷售策略及解決業務營運上的難題。

Davis指出餐飲業經營者常面對的「痛點」是人力資源有限,卻需顧及寬廣的業務範疇,採用 KConnect便可輕鬆妥善處理各類日常營運,包括:食材庫存管理、點餐系統、支付、市場營銷、會計、客戶管理等,全面簡化管理流程及提升營運效率,令商戶可專注投放更多時間於其業務拓展與創新。


企業數據庫升級   助制定拓展策略

苦無具參考價值的業務營運指標或數據是企業的另一大「痛點」。 KConnect 可助經營者綜合管理業務資訊及數據,加強及改善企業數據庫的一致性及可維護性。而且,商戶亦可透過KConnect充分掌握業務營運及銷售的實時數據,協助企業洞察及分析營運狀況,為未來業務拓展制定最佳策略。此外,KConnect可透過多元化的功能,協助商戶提升其顧客服務體驗及開拓客源,例如:電子會員卡及市場推廣方案等。

KConnect 適用於各類型業務,而且致力與不同的SaaS 公司合作,不論是為企業對企業(B2B) 或企業對消費者(B2C) 的公司,KConnect 都可滿足雙方業務上的拓展需求,提升商戶及合作夥伴的業務效益,帶來多贏局面。




Industry News
[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.


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。









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。 



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。






Industry News
[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.




1. 數碼優先策略的準備




2. 個人化及無縫體驗需求增加





3. 多元支付方式




4. 按需自選服務及直播營銷






5. 提升網絡安全


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。





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


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.



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.


Industry News
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.



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.


Industry News
[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.



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%