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2021-12-01
2021-12-01

Industry News
業界資訊
[Chinese version only] | 粵挺港版移動支付 鼓勵平台減免手續費
粵挺港版移動支付 鼓勵平台減免手續費

Please refer to Chinese version.

【業界資訊(轉載)】

 

香港和內地恢復正常通關已逐步提上議程,不少港人都一門心思做好北上的行程表。而陪伴港人北上的,還會有港版移動支付。廣東近日印發文件,提出引領「新興消費」,提及「持續推進港澳版雲閃付APP、微信及支付寶香港錢包、澳門通及中銀澳門跨境錢包等移動支付工具在粵港澳大灣區互通使用。」專家認為,隨着兩地恢復正常通關,利用港版移動支付到灣區內地城市消費的港人將越來越多,有必要提前掃除港版移動支付在內地使用的各種障礙。

114日,廣東省印發了「關於以新業態新模式引領新型消費加快發展的實施意見」,除了提及支持港澳版跨境移動支付工具在粵港澳大灣區互通使用外,還提及將組織支付服務市場主體大力推進消費電子支付市場建設,減免商戶交易手續費和支付終端費。預料未來港澳消費者到大灣區內地城市消費,將能享受到更多商戶提供的服務。

 

灣區跨境電子錢包交易額近10

記者了解到,移動支付近年來在香港社會得到普及,帶着一部手機「闖蕩」內地的港人也越來越多。記者了解到,2018年多個港版移動支付平台已經開通了內地支付功能,港人用港版移動支付,便能按當日匯率把所需支付的人民幣金額自動換算為對應的港幣金額,用戶可通過錢包餘額、已綁定的信用卡或銀行賬戶進行支付,隨後即可輕鬆解決吃飯、打車、看電影、購物等方面的支付需求。

儘管因為疫情,不少港人未能親身北上體驗,但也有不少跨境工作、旅行或者定居內地的港人已經嘗鮮採用港版支付寶消費。根據人民銀行廣州分行數據,截至20213月末,大灣區各類跨境電子錢包在內地共交易620.91萬筆、金額9.66億元(人民幣,下同)。

 

加快電子支付系統互聯互通

從事金融行業的港人周先生告訴記者,自己有使用港版微信錢包的習慣,平時到便利店購物或者到餐廳食飯,買單非常方便。「其實基本內地很『網紅』的店,都可以用香港移動錢包支付,比如喜茶、海底撈等,但也有一些比較特色的小店則不支持。如果要提建議的話,我就希望可以能引入更多支持港版移動支付的商戶。」

香港學生陳同學告訴記者,自己初到內地讀書,用的就是港版的移動支付,掃碼乘車比較方便。「後來發現,雖然外面很多大型商場支持港版移動支付,但校園裏很多店舖其實是不支持港版移動支付的。」

暨南大學管理學院教授、廣東省物流與供應鏈學會執行會長兼秘書長陳海權告訴大公報,隨着內地和香港未來恢復通關正常化,相信會有越來越多的香港消費者到內地探親、出差、旅行,而大灣區內地城市往往是他們北上第一站。「在消費群體更為多元化的同時,消費需求也日趨多樣化。港澳版移動支付平台可以積極拓展市場,增加更多參與支持港澳版移動支付的商戶,滿足增長的消費需求。」

陳海權認為,廣東提出鼓勵支付平台減免商戶交易手續費和支付終端費,有利於帶動整個粵港澳大灣區移動支付消費的增長。他又指出,增大參與跨境移動支付的商戶數量,既加快了大灣區電子支付系統基礎設施互聯互通,同時也是強化金融服務功能、服務粵港澳民生互聯互通的有效方式。

 

橫琴建智慧園區 推廣移動繳稅費

粵港澳大灣區不同城市也在探索建設更便利化的移動支付環境。記者了解到,升級為粵澳深度合作區的橫琴,正在努力打造移動支付示範鎮。人民銀行珠海市中心支行支付結算科相關負責人介紹,截至20219月底,橫琴鎮共有移動支付特約商戶500餘家,其中支持「一碼通用」的商戶達九成。

記者了解到,橫琴銀行機構已經落實支付手續費減免政策,支持合作區企業「輕裝上陣」。目前,已有3.4萬餘家企業享受到了優惠政策,優惠金額達320餘萬元(人民幣,下同)

同時,指導橫琴片區銀行機構精準降費,惠及深度合作區內5萬餘家市場主體,其中港澳資企業近7千家。人民銀行珠海市中心支行相關負責人介紹,未來還將持續推動橫琴支付手續費減費讓利政策「落地」。

目前,橫琴已構建長隆移動支付智慧園區,並成功推廣上線跨境移動支付繳稅、繳交社保、澳門中行和澳門通電子錢包境內使用等便民項目,極大地方便了境內外遊客和粵澳居民的小額高頻支付,為建設橫琴粵澳深度合作區高質量生活區提供優質支付支持。

 

功能完備 跨境出行 一碼搞掂

「吃穿住用行」,與每一個人的生活息息相關,而交通是連接城市的重要紐帶。多個移動支付平台正在積極拓寬港澳版移動支付工具在內地的使用渠道。記者從銀聯國際了解到,港珠澳大橋、廣深港高鐵、深港跨境巴士、跨境輪渡等多種跨境交通場景,香港龍運巴士、新城巴全線,及澳門輕軌、的士等本地交通工具,均支持銀聯卡或「雲閃付」。

港澳居民還可通過銀聯手機閃付充值羊城通、深圳通、香港八達通等電子交通卡,無障礙便捷搭乘各類公共交通工具。

除了「雲閃付」外,港版支付寶AlipayHK也同樣支持港澳人士跨境坐車,一碼通行。來自香港的黎小姐告訴記者,她平時打開手機上AlipayHK應用,在首頁點擊進入「跨境服務」,然後選擇乘車碼,再點擊啟用「廣州羊城通」,即可用自己的港版「支付寶」掃碼乘坐公交。「方便好多」黎小姐說。

 

新冠疫情給大灣區建設帶來挑戰。記者了解到,港澳版「雲閃付」先後上線內地社保和稅費繳納、本地繳費、家居清潔、的士預約等便民服務,滿足港澳居民「無接觸」支付需求。隨着澳門對內地開放自由行、香港推出「來港易」,「雲閃付」還先後接入核酸檢測預約、防疫健康碼國際版、澳門健康碼、大數據通行卡等增值服務,為大灣區人員往來提供便利。

 

資料來源: 大公文匯

2021-12-01
2021-12-01

Industry News
業界資訊
76% of SMBs Say Pandemic Caused Them to Enhance Their Digital Payments Capabilities
[English version only] | 76% of SMBs Say Pandemic Caused Them to Enhance Their Digital Payments Capabilities

[Industry News (Repost)]

 

During the pandemic-driven digital transition, much of the business world has stopped using paper in B2B transactions. In response to new cash flow crunches, shifting employee work habits and digital growing pains, they have moved to making and receiving digital payments.

In fact, 76% of small and medium-sized businesses (SMBs) say the pandemic has prompted them to enhance their digital payments capabilities, according to Enabling B2B Payments For The Virtual Workforce, a PYMNTS and ConfermaPay collaboration.

These businesses are now using digital spend management tools ranging from cloud-based spend management platforms to virtual cards to reshape their payments operations to meet the needs of their decentralized workforces.

 

Adopting Touchless and Mobile Payment Solutions

Virtual cards have gained traction in B2B markets as firms seek out touchless and mobile payment options. In addition to providing those benefits, virtual cards enable payments automation and operational cost reductions. They automate the entire B2B transaction process, eliminating the need for manual intervention when finalizing payments to suppliers, for example.

This means they can ease the stress placed on accounts payable (AP) departments by reducing employees’ manual tasks and lowering the costs of the entire payments process. In fact, research suggests that AP teams that implement straight-through B2B processing can expect their processing costs to decrease by as much as 70%, making them especially beneficial in an economy in which 72% of SMBs do not have access to enough funds to stay open for more than a month if their revenue streams are disrupted.

Increased virtual card usage for B2B payments goes hand in hand with consumers’ rising interest in using smartphones and mobile wallets for B2C transactions. As consumers are growing accustomed to using their smartphones for everyday purchases, they are naturally beginning to desire and even expect digital payments experiences in their professional lives too.

 

Digitizing Procurement Operations

Businesses have also found that digitizing their procurement operations not only meets immediate needs during the pandemic, but also allows them to streamline their operations in ways that are not possible with paper-based processes.

Legacy procurement operations can severely limit businesses’ abilities to make real-time assessments with the most accurate data, especially when information is logged manually. In fact, procurement decisions based on false, inaccurate or outdated details cost U.S. companies a collective $600 billion annually.

 

Newer alternatives, including digital procurement systems, such as cloud-based platform solutions, can allow businesses to efficiently collect, store and analyze data to optimize their operations. Advanced data analytics and automation can help firms determine optimum workflows, reduce errors and eliminate redundancies.

 

Companies would therefore benefit from considering procurement innovations to be long-term investments in payments optimization rather than quick fixes to a temporary problem.

 

During the pandemic, companies across the nation have been faced with unprecedented financial and logistical challenges, leading them to seek cost-effective, decentralized digital processes and payments. With the adoption of such innovations as virtual cards and digital procurement solutions, they have found solutions that are both immediate and long lasting.

 

Source: PYMNTS

Please refer to English version. 

2021-10-28
2021-10-28

Industry News
業界資訊
It's Time for Merchants to Rethink Their Payment Acceptance Strategy
[English version only] | It's Time for Merchants to Rethink Their Payment Acceptance Strategy

[Industry News (Repost)]

 

Digital engagement and flexible delivery models have long been appealing to many businesses but have historically been seen more as nice-to-haves than must-haves.

That perception changed when the pandemic emerged, forcing businesses to embrace digital transformation as a matter of survival. Now, increased consumer demand for contactless and digital wallet payment acceptance and a decline in cash usage have forced merchants to re-evaluate the types of payments they accept.

To offer additional insight into the state of payments, FIS recently released its Global Payments Report 2021. To learn more about the report’s findings and further explore the implication of cash’s decline for U.S. merchants, PaymentsJournal sat down with Christina Wagner, Head of Global Payments Products for FIS, and Don Apgar,

 

Consumer demand for digital payments is booming

According to Wagner, COVID-19 ushered in an era of increased demand for digital payment acceptance. “By that, I mean [it ushered in] things such as contactless and digital wallets, which have forced many merchants to re-evaluate and shift their payment acceptance mix and strategy. Digital wallets and mobile wallets are a more modern payment method that allow consumers to securely store payment credentials and payment purchases,” she explained.

The proliferation of digital wallets—which includes an array of options such as Apple Pay, Google Pay, Samsung Pay, Alipay, WeChat Pay, and Amazon Pay—has led consumers to use them more often at the point-of-sale. This rings true both globally and within the United States, where mobile payment adoption has lagged compared to other countries.

“Even in the U.S., we’ve seen that checkout at point-of-sale using mobile wallets has grown a staggering 60%. And mobile wallets in particular have gained … [as a result of] the decline of cash at the point-of-sale. We’ve seen mobile wallets rise nearly 20% over 2019,” said Wagner.

Globally, mobile wallet’s share increased five percentage points in 2020, which equates to three years’ worth of growth in a single year. This increase, which is highlighted in the graphic below, came at the expense of physical cards and cash:

Looking ahead, it’s fair to expect that this shift to mobile wallets will continue. “No doubt, the pandemic has put a lot of emphasis and raised awareness of the need to be contactless in our face-to-face transactions, and it’s actually given NFC, or near-field communication, a big boost both from card usage and also… from wallet usage,” explained Apgar.

 

The free fall of cash

The rise of mobile wallets came hand-in-hand with an ongoing decline in cash. While the payments industry has long flirted with the prospect of digital transformation, the pandemic was the catalyst the industry needed to aggressively embrace such digitization. 

“We’ve been talking about digital engagement and digital payments and digital transformation for a long time in the payments industry. And before the pandemic, I think there was interest in it, there was movement in that direction, but I don’t know that all merchants really saw that [transformation] as an imperative for their business to survive. And I think that has been a pivotal shift for us,” said Wagner.

Consumers around the world had nearly every aspect of their lives uprooted due to the pandemic, and how they shop is no exception. Brick-and-mortar locations shuttered their storefronts due to stay-at-home mandates and widespread health concerns, causing consumers to flock to online shopping channels. Unsurprisingly, this led to an acceleration in the decline of cash. After all, how many consumers use cash in an e-commerce environment?

“The Global Payments Report really showed that our decline of cash exceeded a three-year trajectory. So, our decline in cash in 2020 alone exceeded the projection we had for 2020. And cash in 2020 was used for roughly 20% of global point-of-sale volume, and that was a 32% reduction from 2019,” explained Wagner.

Whether or not COVID-19 fades away, this decline is unlikely to reverse. “Regardless of the ultimate trajectory of COVID-19 and the pandemic, we’re expecting another 38% decline between now and 2024, and so it’s just a dramatic change for us and a cashless future I think is appealing for merchants,” she added.

This decline is good news for merchants looking to reduce costs and streamline operations. Certain types of merchants, including retailers, quick service restaurants (QSRs), and grocery stores, will need fewer resources dedicated to storing, circulating, and securing cash.

The costs associated with the manual labor involved in counting, transporting, and depositing cash can add up quickly. Human error, security risks, and physical risks all compound to make managing cash inefficient. With less cash to manage, these inefficiencies will decrease, which can tip the scales for merchants toward higher profitability and productivity within their businesses.

“The whole pandemic environment has really brought about a reawakening, if you will, of the value that electronic payments bring to businesses of all sizes,” noted Apgar.

 

“The paradox of payments”

While those in the payments industry may struggle to relate, most consumers are not thinking about payment method availability as they shop. For consumers, it’s all about convenience.

Therefore, even as payment methods bring a level of convenience that lets consumers shop on autopilot, payments should continue to be top of mind for merchants. In other words, as payments are becoming more visible and relevant to merchants, they are becoming more invisible and behind-the-scenes for consumers. This contrast is what Apgar refers to as the paradox of payments.

“As payments get more complex technologically and consumers have more options on how to pay and merchants have more options on how to collect payments, the payments themselves are fading into the background and instead of being a separate workflow, the payment is becoming embedded in the workflow,” he explained.

One example of this paradox can be found at certain Whole Foods stores, where consumers can enter the store, shop, and leave with their merchandise without having to stop at a register to checkout. This serves as a strong example of how a retailer can enhance their payment acceptance strategy without introducing unnecessary friction to the customer experience.  

 

Payment strategies should center around the customer experience

It has been said before but is worth repeating: consumer payment preferences are changing. In response to these changes, merchants must offer payment optionality and flexibility through alternative payment methods such as ‘pay by’ links, contactless and digital wallets, and ACH.

How merchants should frame their payment strategy depends on who their customers are and what services or products they offer. For example, a consumer purchasing a service from a law firm is a far cry from a consumer heading into Target for their weekly shopping trip. These two consumers likely have very different payment preferences and needs. Even so, the customer experience should always remain at the forefront of payment acceptance strategies.

“If digital innovation is now the primary focus, I think that merchants and brands are really in a race to create the ideal customer experience amid these new consumer expectations. I think omni-channel experiences are going to be critical to the buying journey,” said Wagner.

Merchants want more from their payment providers than simply processing payments. “I think there’s a real revolution going on in the way that merchants are utilizing payments and recognizing the power of the payment technology to play a real active role in customer acquisition and retention,” noted Apgar.

Now, they are looking for ways to engage with existing customers, drive new customer acquisition, and grow brand loyalty all while streamlining operations and creating an elegant and seamless customer experience.

“To enable a true omni-channel solution, merchants will have to invest in modernizing their tech stack. They may have to look at reducing the number of payment providers they have. They may have to look at their engagement models and whether they’re leveraging data appropriately to drive loyalty in that consumer experience that they’re really after,” Wagner concluded.

 

Source: Payments Journal

Please refer to English version.

2021-10-26
2021-10-26

Industry News
業界資訊
Digital payments increasing globally: report
[English version only] | Digital payments increasing globally: report

[Industry News (Repost)]

 

The use of digital payment methods is on the rise as consumers look for easier and more convenient ways to spend money.

Capgemini's 2021 World Payment Report revealed that by 2025, 25 per cent of the world's cashless transactions will be made up of instant payments and e-money, an increase of about 15 per cent over the previous year.

The report also said methods such as buy now, pay later, and cryptocurrency will help spur the growth of digital payments.

According to Pankaj Kakkar, head of the financial services division of Capgemini Canada, the demand for and acceptance of digital transactions that is currently taking place is a product of the pandemic.

 

The demand for digital payments

Companies are capitalizing on this demand.

For example, Clik2pay, a Toronto-based digital banking payment startup, enables payment processing services for businesses that provide convenient, secure and reliable payments directly from customers' bank accounts. Recently, the company built an experience layer onto Interac's e-Transfer service so that it can be used by e-commerce retailers and billers to collect payments. The company has also implemented a QR Code Payment feature.

These new developments lower costs compared to expensive credit cards and give Canadians without credit cards more access to make purchases. According to Kakkar, digital payments are a great way for Canadians without a bank account to manage their money.

“There's a small percentage of our population that lives in areas where they have no access to banks or the banks are very far. This is not convenient,” he said.

Companies such as Clik2pay or One Feather, a digital banking service for Indigenous peoples, are solutions to this problem.

 

Security risks

Although digital payments seem like a seamless way to make purchases, there are still risks that accompany the process. For example, digital wallets are becoming increasingly popular, but adding credit cards and personal payment information to online portals like Apple Wallet can pose security risks.

The Capgemini report reveals that fraud and cybersecurity threats are high. Out of all fraudulent activities, the share of account takeover fraud rose from 34 per cent in 2019 to 54 per cent in 2020.

But while Kakkar said that security issues are a genuine concern when it comes to digital payments, companies are creating security measures to avoid risk. Processes to identify who is making a purchase, what they are purchasing, and how the purchase is being made are all taken into consideration, said Kakkar.

 

Better for the environment

Still, when it comes to digital payments, the pros may outweigh the cons. Besides the more obvious benefits of digital payments, such as faster payments and convenience, cashless payments are also much more sustainable.

“[Prior to non-cash methods] When you spend money, you either had a cheque or cash or some kind of paper,” Kakkar said. Additionally, a 2020 blog post by Pomleo Pay states that coins, too, have a major impact on the environment. Mining of the metal in them and transport of coins have led to the emission of over 48,000 tonnes of carbon dioxide. It also shows that the plastic money used in Canada and the U.K. is just as bad, if not worse, for the environment than paper.

According to a 2019 article by Mobile Transaction, the worst part of cashless transactions is the receipt. Receipts are often not recyclable and are coated with a toxic chemical called bisphenol A (BPA).

“It is estimated that globally, 300 billion paper receipts are produced annually, consuming 25 million trees, 18 billion litres of water and 22 million barrels of oil,” the article said. Normalizing digital payment methods is one step in the right direction when it comes to making purchases more eco-friendly.

Still, digital payments are being implemented globally. The Boston Consulting Group report, Global Payments 2021: All in for Growth, said that payment revenues in Europe will increase by an average of 5.3 per cent annually from 2020 to 2025, due to the increased use of cashless transactions and online shopping. European countries are joining forces to form the European Payments Initiative, which aims to develop an independent, single European payments scheme that supports different types of digital payments.

Given the benefits, the demand for non-cash payment methods continues to grow; it is more convenient for consumers, accelerates the payment process and helps combat climate change.

 

Source:  IT World Canada

Please refer to English version. 

2021-10-03
2021-10-03

Industry News
業界資訊
[Chinese version only] 香港電腦學會:消費券帶旺電子支付
香港電腦學會:消費券帶旺電子支付

Please refer to Chinese version.

【業界資訊(轉載)】
 

第一期2,000元電子消費券已於8月發放,市民領取後都開心消費,亦同時鼓勵市民使用更多電子支付,相信有助提升電子支付的滲透率。今次派發消費券計劃和政策,成功推動電子支付更趨普及。

在過去幾個月,負責發放消費券的4大電子儲值工具營運商,為了搶佔市場佔有率,不但向市民提供優惠,還為小商戶免費安裝終端機及減免交易費,結果新增逾120萬個消費者帳戶,及2.8萬個新商戶帳戶,令電子支付覆蓋面和滲透率擴大。嘗試由不同持份者角度,看看電子消費券對推動電子支付的影響。

市民方面:在疫情影響下,市民已更傾向利用非接觸式付款方式消費;消費券鼓勵了市民多了解和比較不同電子支付平台的功能和優惠,推動市民安裝相關流動程式使用。

商戶方面:增加了利用非接觸式付款方式經營和運作,其優點包括:(一)清潔衞生,避免直接接觸現金,減少感染風險;(二)方便快捷,省卻現金找換時間,加快流程;(三)節省時間,毋須要存放大量現金,省卻出入銀行;(四)提升市場競爭力,吸引顧客。此外,商戶為了爭取消費券市場份額,大力送出優惠券,鼓勵市民回頭消費,以及建立客戶入會系統,提高消費忠誠度;而消費券也鼓勵和促進商戶加速數碼轉型。

電子儲值工具營運商方面:應繼續把握發展機會,為各行業和零售市場,提供更多合適的解決方案,以迎合疫後的新經營環境。流動支付服務供應商改善和優化其電子支付平台的功能和服務。

市場方面:現時已有多間電子支付平台,每個支付平台功能都各有特點,政府今次只選擇4間電子儲值工具營運商平台發放,會幫助他們增加市場份額,加速電子支付平台的汰弱留強。良性競爭將可推動市場多作推廣及繼續發展。

消費券計劃分多期經電子支付平台派給市民,令市民多用電子支付及形成習慣,推動電子支付的廣泛應用,為本港數碼經濟轉型打穩基礎。

總括而言,消費券計劃相信有助推動電子支付融入生活,港府更應善用當前氛圍,鼓勵市場繼續下調交易費,深化電子支付平台發展,讓電子錢包和電子消費成為生活常態,為香港在未來數碼跨境支付應用打好基礎,以及扮演更重要角色。

 

資料來源: on.cc東網

2021-10-03
2021-10-03

Industry News
業界資訊
How New Payment Technologies Enhance The Consumer Experience
[English version only] | How New Payment Technologies Enhance The Consumer Experience

[Industry News (Repost)]

 

The tectonic plates of commerce have shifted over the last decade. Goods and services have moved online, and we've all adopted more digital behaviors. That shift accelerated as we adjusted to the effects of the pandemic. These changes have been significant for all of us — both businesses and consumers: 97% of global business leaders claim the pandemic sped up their company’s digital transformation, and more than 50% of global consumers say they've become more digital.

And in this digital-first world, consumers expect to get what they want, when they want it — whether in store or online. As a result, the adoption of new payment technologies is rising as consumers embrace emerging payment innovations that enable greater flexibility and choice while keeping their transactions safe and secure. This renewed emphasis on experience and security is essential for business in our new competitive environment.

Our daily lives are already rife with examples. In many global cities, commuters access transportation by using a phone or smartwatch. Payment by QR code has emerged as a cleaner and more convenient alternative to cash in developing markets. In retail, we have a vivid example of how this space is evolving. Thanks to a combination of AI, biometrics and other technologies, consumers can now simply wave to pay or pick up what they want and just walk out.

Some businesses may be tempted to see these as emerging innovations and adopt a "wait and see" approach. However, these are all tried and tested technologies. The infrastructure is there, and consumers are eager to use them. The future is here — and a lack of knowledge or willingness to adapt could hurt business ambitions in the near term.

 

The Tools Of Change

Three of the key technologies driving this change across consumer transactions and interactions are contactless payments, biometrics and digital assets. Contactless experiences continue to grow in popularity because they're also fast and secure. Nine in 10 in-person transactions around the world occur at a merchant enabled for contactless payments. And contactless transaction values are expected to reach $2.5 trillion this year, up from $1.7 trillion in 2020.

With biometrics, we've replaced the password with the person. The technology is increasingly deployed to authenticate users as they go about their day-to-day activities, whether logging into a device, shopping online or signing into a bank account. And the public sentiment is positive: 61% of consumers are interested in biometric technologies like gait or walk assessments and fingerprint authorization. According to the results of a recent IDEMIA study, four out of five people globally are looking forward to using fingerprint technology over PIN codes during card transactions.

Right now, there's tremendous technological innovation going on in digital assets. We're seeing major corporations investing in crypto or expanding crypto services to millions of customers. In addition, 86% of central banks are actively researching the potential of their own digital currencies. However, with such growth, digital currency security is a growing concern, so ensuring the right consumer protection and regulatory compliance are in place will be vital.

To engender trust in these technologies, we must ensure that innovation never outpaces trust. This means building security and privacy protections into solutions from the start — not as an afterthought. In short, deploying capabilities across AI, biometrics and digital assets that work together like an invisible shield behind the scenes is vital if we're to truly embrace digital innovation without compromising privacy and protection, and if we're to actively meet the challenge of increasingly sophisticated and well-funded hackers and fraudsters.

 

Mapping The Future

Whether we look back on the formation of the digital economy as the creation of a brave new world or the reskinning of an existing one — revolution or evolution — we won't know for some time. What we do know is that those who are creating the infrastructure and core components of the digital ecosystem must prepare and equip the consumer with a roadmap for this unfamiliar territory.

Although the ground may be moving beneath us, the true north we must maintain is trust. To foster faith in a digital economy that works for everyone, we must strive to ensure that whatever payment choice the consumer makes, it's convenient, safe and secure, now and in the years to come.

 

Source: Forbes

Please refer to English version. 

2021-10-03
2021-10-03

Industry News
業界資訊
[Chinese version only] |【業界資訊(轉載)】電子支付 時代洪流
電子支付 時代洪流

Please refer to Chinese version.

【業界資訊(轉載)】

 

電子支付 時代洪流


特區政府於今夏推出消費券計劃,惠及整體社會,市民可選擇透過支付寶香港、八達通、Tap & Go「拍住賞」及WeChat Pay HK領取總值5000元消費券,令此4家儲值支付平台合共增加了逾220萬個新賬戶,而增設電子支付系統的商戶亦超過48000個。

今年發表的一份全球支付報告【註1】指出,2020年就一般零售消費付款而言,信用卡仍是香港人的首選,其中40%和45%的受訪港人,主要以信用卡進行網上購物和店內消費;內地人則普遍使用電子錢包,其中71%的內地受訪者會用作網購,48%用作店內消費。報告亦預計到2023年,電子錢包的使用率將佔零售業銷貨總值23%,並將成為增長最快的店內付款方式;以現金結賬的比率則持續下降。

手機上的電子錢包(如PayMe)具備增值功能,可用於購物或向個人付款(P2P支付);須受金融管理局(金管局)的儲值支付工具發牌制度規管。其他電子支付工具,包括信用卡、Apple Pay和Google Pay等,由於沒有儲值功能,則不受這方面規管。

 

歷來發展障礙

回溯香港的「無現金」發展史,香港早年作為全球電子支付的先驅,是首個使用電子貨幣八達通的城市。1997年9月電子智能卡八達通系統面世,至今已涵蓋大部分運輸、零售等多個範疇的小額交易,平均每名港人持有4張八達通卡,每日交易平均超過1500萬宗。

目前手機支付在本港仍未能如內地般普及,原因何在?第一,由於信用卡等付款方式在內地本來就不普及,於是從零開始,逐步建立起無現金社會,相繼推出支付寶、WeChat Pay等。反觀香港市民則一向習慣使用信用卡和八達通,支付業務早被兩者佔據,餘下市場空間有限,利潤亦微薄,後來者必須另闢蹊徑,例如提供P2P支付服務。

第二,基於網絡安全及個人私隱的考慮,用戶須以實名登記賬戶的手機支付,而港人多以電子支付作小額交易。所以即使領取政府消費券,亦有市民寧可購買新的租用版八達通卡,而不用手機應用程式。但事實上,金管局在2016年8月發出首批儲值支付工具(SVF)牌照,至今共有18個持牌人。由於當局發牌制度監管嚴謹,在安全方面應能提供一定保障。

放眼世界,多國正在積極研究中央銀行數碼貨幣(central bank digital currency,簡稱CBDC),將有利於淘汰現金。

 

NFC技術新猷

CBDC憑藉央行的信譽和法律地位為後盾,其地位不亞於實體貨幣。此外,為應付來自加密貨幣之一的穩定幣(stablecoin)的威脅,例如Facebook的Diem,央行有必要維持對金融支付系統的控制。

第三,現時本港流動支付技術的系統並不一致,不同支付系統有各自的讀卡器。由於缺乏統一交易平台,商戶須裝置不同讀卡器供顧客使用,以致窒礙流動支付服務的發展。筆者建議當局不妨向內地、新加坡、歐美等國家借鑑,設立電子支付統一讀卡器(UnifiedPOS)。

支付寶、WeChat Pay等流行的二維碼支付工具,讓商舖毋須安裝額外收款設備,收款成本得以降低,因而在內地迅速普及。至於本港消費市場則廣泛接納信用卡,若要進一步推廣電子支付服務,其實可以朝着手機近場通訊(Near Field Communication,簡稱NFC)技術的方向發展,不過支付時仍要出示預付卡、信用卡或手機內的QR Code,所需時間較長。

但隨着NFC技術逐漸完善,預計2022年第二季開始,香港的消費者可選擇將本地銀行發行的預付卡、信用卡等綁定於NFC錶帶、手鏈、戒指各類配飾。在澳洲,曾有演唱會主辦機構與贊助銀行及Visa PayWave合作,在贈送給入場觀眾的太陽眼鏡內置NFC晶片,只須掃描眼鏡臂,就能用太陽眼鏡來購物。要普及使用NFC信用卡技術的難度不高,但商戶有賴政府政策支持。

 

打造無紙經濟

毋庸置疑,電子支付服務對促進經濟增長不可或缺。根據評級機構穆迪在56個國家進行的研究報告【註2】,2008至2012年間,電子付款方式為全球經濟帶來共約1萬億美元的額外進賬,相當於創造190萬個就業職位。荷蘭央行研究亦發現,就零售而言,付款卡支付成本較現金低6%。巴西央行的研究更顯示,「無紙化」支付方式所節省的成本可高達經濟總額的1%。

香港若要邁向無現金社會,不論特區政府或銀行業,均須着力減輕商戶的電子支付成本,並提升款項過賬效率,以免商戶顧慮額外成本而寧取現金。為推動電子支付市場的發展,金管局先後推出香港零售支付共用二維碼規格,並提供「香港共用二維碼」流動應用程式,以便商戶統一二維碼,在店內展示或列印在賬單上,接受透過不同支付服務供應商的付款。

再者,金管局推行「轉數快」快速支付系統,提供跨銀行、跨電子錢包的即時轉賬支付平台,港元和人民幣的交易同樣適用;截至2020年年底,已錄得688萬個登記用戶,共處理1億7千萬宗實時交易。2020年12月推出了新功能之後,市民亦可經銀行以香港身份證號碼綁定銀行賬戶,以「轉數快」收取由已有收款人身份證號碼的機構發放的款項,令收發款項更靈活快捷。

除了零售層面的電子支付,香港應積極進行有關CBDC方面的研究。在跨境貿易支付層面繼續加以試用之餘,香港亦宜加強準備CBDC在零售消費的應用,包括研究港元數碼貨幣(e-HKD),並繼續與人民銀行合作,就數碼人民幣(e-CNY)在香港的使用進行技術測試,以便利發展內地和本港居民的跨境支付服務。

作為未來電子商務發展的核心,數碼貨幣及電子支付的普及,將有效地提升電子商務的發展,並為網絡經濟擴闊空間。特區政府應緊貼環球市場的潮流及把握科技創新帶來的機遇,通過政策協助香港登上數碼經濟的新台階。

 

【註1】:The Global Payments Report 2021, Worldpay from FIS

【註2】:”The Impact of Electronic Payments on Economic Growth”, Moody’s Analytics, February 2016

 

資料來源: 港大經管學院

2021-10-03
2021-10-03

Industry News
業界資訊
Survey: Customers want in-store contactless payment
[English version only] | Survey: Customers want in-store contactless payment

[Industry News (Repost)]

 

Consumers prefer stores with contactless payment options.

 

Consumers and retailers agree that contact-free payment is becoming a necessary feature of the brick-and-mortar store experience.

According to the Visa Back to Business global research study of small-to-mid-sized businesses and consumers, the COVID-19 pandemic has dramatically increased consumers’ concern with touching cash and payment readers and correspondingly, increased the desire to tap to pay.

Three-quarters (74%) of surveyed small-to-mid-sized businesses around the world expect customers will continue to prefer contactless payments as much as, or more than they do currently. Two in five (40%) surveyed small-to-mid-sized businesses citied contactless payment among the top brick-and-mortar investments needed to meet customer expectations.

The survey also reveals that stores which fail to accept contactless payments could run an increased risk of losing customers as a result. More than two in five (44%) surveyed consumers say they would not shop at a store that only offers payment methods that require contact with a cashier or shared device.

In the 2020 edition of the Visa Back to Business study, just 17% of U.S. small-to-mid-sized business respondents started selling products or services online for the first time during the COVID-19 pandemic. However, 57% of U.S. small-to-mid-sized business respondents in the 2021 version of the Visa survey expect to continue to do sell products or services online in the next three months.

Yet, many small-to-mid-sized businesses surveyed said the shift to selling online has presented new challenges; with the top concerns cited as data privacy and security (33%), cost to invest in digital infrastructure (31%), and having less of a personal connection with customers (30%).

While 54% of surveyed small-to-mid-sized businesses say that the past year has been a challenge for their business, 46% have viewed it as an opportunity, up from 38% in November 2020. Among those who saw 2020 as an opportunity, their focus has been on selling new products (37%) and expanding their sales channels (34%), with 23% having started a completely new business.

The recent global Blackhawk Network Global Digital Payments study reinforces Visa's findings that consumers desire digital payment options. Sixty-three percent of respondents were more likely to shop at a retailer if it accepts the digital payments they use, and 73% said they want to be able to pay the same way they pay online and in-store.

"With a 19-month view into the pandemic, we've seen that small businesses who embraced digital commerce and cross-border sales have weathered the pandemic better," said Mary Kay Bowman, global head of buyer, seller, core and platform products, Visa. "But it's no longer just about pivoting and surviving. We're now seeing a hopeful surge in entrepreneurship."

The Visa Back to Business Study: 5th Edition, was conducted by Wakefield Research between June 15-28, 2021, among 2,250 small business owners at companies with 100 employees or fewer in Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore, United Arab Emirates, and U.S. The consumer portion surveyed 1,000 adults ages 18 and up in the U.S., and 500 adults ages 18 and up in Brazil, Canada, Germany, Hong Kong, Ireland, Russia, Singapore, and United Arab Emirates.

 

Source: CSA

Please refer to English version. 

 

2021-10-03
2021-10-03

Industry News
業界資訊
[Chinese version only] 香港邁向電子支付之都 電子消費券成推動力量
香港邁向電子支付之都 電子消費券成推動力量

Please refer to Chinese version.

【業界資訊(轉載)】

 

香港邁向電子支付之都 電子消費券成推動力量

 

近年微信支付及支付寶在內地廣泛使用,令中國晉身成全球電子支付最發達的國家。香港以前使用電子支付普及程度,較內地稍為落後,但近年香港已急起直追,加上今年港府推出電子消費券振興經濟,既能刺激港人消費意欲振興零售市道,又可鼓勵港人使用電子支付促進金融科技發展,可謂一箭雙雕,難怪有市場調查機構預期,2024年香港有望成為無現金城市。

創新及科技局局長薛永恒近日在電腦通訊節開幕致辭表示:  「疫情改變人們學習、生活和運動等各方面的日常生活習慣,亦為進一步推動數碼經濟提供契機,很多市民漸漸習慣使用網上購物和電子支付,甚至已成為他們現時最常用的消費模式。電子支付既方便商戶收費,亦為消費者提供現金支付以外多一種付款方式選擇及體驗,電子支付的廣泛應用及發展,勢將推動本港數碼經濟轉型及發展。」

8月初港府發放首期電子消費券,明顯刺激本地消費力。據沙田一田百貨行政總裁黃思麗表示,8月首兩個星期,一田百貨集團旗下百貨銷售額,按年錄雙位數升幅。新地(016)旗下新城市廣場管理層透露,在電子消費券發放後首周,錄得人流及生意額分別升20%及30%,可見電子消費券反應十分熱烈。

香港餐飲聯業協會會長黃家和也表示,消費券自8月初發放以來,市民消費意欲趨雀躍,多外出用餐、購買電子產品等。連同經濟逐步復蘇、暑期旺季等因素,估計餐飲業在8月頭兩周生意,較7月增長約15%至20%,當中以茶餐廳、中小型餐廳最為受惠。他又預料首期消費券的刺激作用,最快9月中、下旬起減弱,待下輪消費券再催谷消費力。

 

小店使用電子消費平台比例明顯上升

電子消費券計劃推出以來,小店使用電子消費平台的比例明顯上升。位於旺角街市肉檔也可以使用電子消費券,結帳時老闆不忘提醒可以選擇用此方式結帳。記者實地觀察,現時許多小商店結帳,比如便利店通常逾五成顧客都使用電子支付。

香港市民收到電子消費券皆大歡喜,但市民如何花掉這筆5000元消費券就各有不同。市民丁小姐告訴記者,她們一家四口除未成年的妹妹,三人都領到電子消費券,會考慮合在一起購物,金額充足可以為家裏增添一些家電或者日常家居用品。

市民邱小姐告訴記者: 「我選擇了微信支付領取電子消費券,因為很多我平時比較多消費的地方,還有不少折上折優惠,比如使用電子消費券在萬寧購物滿388元,便再有50元優惠,滿688元更可以回贈100元。」

網友DAISY 女士拿到電子消費券後,第一日就去買了Apple Watch 6,用完2000元電子消費券,最後實際只支付了1199元,買完Apple  Watch 6 後她更急不及待,在短視頻平台小紅書炫耀一番。亦有市民表示打算累積兩期電子消費券一起消費。

 

消費乘數效應構成良性循環

華大證券首席宏觀經濟學家楊玉川表示:  「今次政府派電子消費券,對經濟肯定有幫助,這種感覺是意外之財,相信大多數家庭,還是想把它花掉,比如吃頓大餐,又或者是買個一直想買的東西,我身邊大部分朋友都有這種想法。」楊玉川強調,消費會有放大效應,比如有市民去商家消費帶來效益,商家又會拿賺到的錢去其他地方消費,這就是一個乘數效應,構成一個循環。

據諮詢公司Kantar  的調查顯示,近半數受訪香港市民計劃分一至三次消費,如消費項目價格超越5000元,59%受訪者願意自行額外增加預算金額高達2999元;但有24%受訪者僅會使用消費券5000元獲派金額,並不會另外增加預算。每10名受訪者當中,有接近六位傾向用於實體店,其餘則會選擇線上購物。美中不足就是今次電子消費券斬件式分兩三次派發,可能會削弱市民的消費熱度。中文大學商學院高級講師李兆波在接受媒體採訪時,他估算今次港府派電子消費券的效益,未必會有政府估計達GDP的0.7%左右那麼多。他解釋,由於電子消費券使用期限約6至7個月(八達通除外),相當於平均每個月約900元,一般搭車、食早餐都已用盡,市民只是用電子消費券抵銷日常開支,未必舍得額外消費。而且電子消費券分散使用在零售、飲食、交通等各行業,料對提振整體經濟的效果不大。但無論如何,在推動電子支付在香港使用,電子消費券肯定要記一功。

 

成功推動電子支付普及

美國上市公司FIS旗下的金融服務技術公司Worldpay,在今年3 月發布《2021年全球支付報告》分析了41個國家和地區當前和未來的支付趨勢。報告顯示,新冠疫情加速了電子支付的普及化,同時減少了現金在本地銷售點(POS)的使用。

疫情下,無論線上購物還是店內消費,電子支付都成為香港最受歡迎的支付方式。報告指,2020  年香港現金交易佔店內消費額9%,按年下降17%,預計現金結帳使用率於未來4年將迅速下跌,估計至2024年,其於店內消費的佔比將降至1.6%。而信用卡付款仍是香港人於店內消費的首選,佔總交易額一半以上(56%),趨勢預計能保持到2024年。其次,電子支付將成為增長最快的店內付款方式,料電子錢包將於2024年佔總交易額36%,較2020年上升22%。報告預測香港電子商務市場價值將於未來4年由210 億美元增加至290億美元。預計2024年香港電子支付將更為普及,正式進入無現金化時代。

 

八達通成大贏家

究竟最多香港人使用哪一個電子支付平台領取電子消費券?儘管港府未有正式公布,但諮詢公司Kantar 在今年6月至7月期間,通過網上問卷,訪問了869名香港市民對採用電子支付的取態。當中有53%受訪者表示,會以八達通作為領取電子消費券首選,其次27%選用支付寶香港、11%選用WeChat Pay  HK、9%選用Tap & Go  「拍住賞」。香港零售管理協會主席謝邱安儀早前亦透露,大部分受訪店舖表示,有七成至八成客人是使用八達通來使用電子消費券;有兩成至三成客人是使用AlipayHK;有一成客人是使用WeChat  PayHK;有不足一成客人是使用Tap & Go 進行消費,實際上的數字應該不會相差太遠。

資深金融專家及投資銀行家溫天納表示,八達通在香港壟斷電子支付市場,此次引入其他三種電子支付系統,可以起到良性競爭的效果;創造契機,讓更多市民運用不同的電子支付系統,消除對電子支付不安全的恐懼,有利於推廣香港電子支付普及使用,而電子支付平台產生的大數據,有利於企業界了解不同群體的消費模式。

 

未通關削內地電子支付吸引力

本報專欄財經縱橫作者必勝手機上有四款電子支付平台。今次採用八達通來領取電子消費券,用蘋果手機的AppLE PAY綁定虛擬八達通來領取電子消費券,不夠三周基本上就花光2000元消費券。他說:「始終八達通是香港本土品牌,香港人支持香港貨嘛,我當然用八達通。何況香港好多長者只識用八達通,唔識用微信支付同支付寶,所以七成港人用八達通領取電子消費券合情合理。」

內地微信支付同支付寶幾乎壟斷市場,兩者現時在香港使用的普及程度已很高,相信日後港人使用微信支付同支付寶的比例會越來越高。必勝在本報專欄上便曾建議港府,應該多支持八達通北上進軍大灣區。「如果經常返大陸當然要用微信支付和支付寶,但現時香港同內地封關,都未知何時何月才能返上內地,因而今次只有兩三成市民用微信支付及支付寶收電子消費券也好合理。」

 

電子消費券刺激商舖樓市回暖

或許財爺也估計不到,電子消費券對商舖樓市也有刺激作用。自從2019年香港爆發修例風波,商舖樓市便走下坡,加上2020年新冠肺炎疫情橫掃全球,香港同內地及世界各地封關,旅客數量暴跌,本港空置商舖急增,令商舖樓市陷入寒冰時期。

中原(工商舖)商舖部董事黃偉基形容,今次電子消費券成為舖位租賃市場最為強大的利好消息,零售餐飲及娛樂消費一觸即發,舖租市場相應也會跟着受惠。他認為,電子消費券第二期將於10月派發,預料未來數月市民消費意欲將上升,吸引更多租戶物色舖位開業,有助消化街上吉舖。
 

舖市復蘇可期

利嘉閣地產研究部主管陳海潮表示:「目前香港疫情穩定,整體經濟回暖,加上政府公布的最新失業率降到了5.5%左右。相信這次電子消費券計劃,還會對經濟帶來進一步的促進作用,市民用電子消費券消費,只是一個引頭,相信很多人最終消費金額遠不止5000元,所以我覺得整體商舖樓市復蘇可期。」

陳海潮又指出,零售業、餐飲業等行業好轉,也將會帶動商舖市道回暖。目前因為第一期電子消費券剛剛派出,所以尚未有什麼具體數據。但是他相信10月份再派發第二期電子消費券,市場整體氣氛會被進一步帶動,商舖樓市會跟着加速回暖。事實上,目前不少商舖業主對後市信心回升,已醞釀加租。香港零售管理協會主席謝邱安儀表示,現時業主偏向短租,等待時機隨時加租,拿着舊租約的商戶未獲減租,零售業面臨不少壓力。

 

資料來源: 香港商報