Tofugear：2019年香港数字支付报告（英文版）(34页).pdf

1、1 CONTENTS 2 FOREWORD 3 WIRECARD VIEWPOINT 4 RESEARCH SCOPE 5 HIGHLIGHTS: THE HONG KONG CONSUMER 6 THE HONG KONG PAYMENTS MARKET 13 CONSUMER ATTITUDES TOWARDS DIGITAL PAYMENTS 18 BARRIERS IMPACTING DIGITAL WALLET USAGE 24 THE FUTURE OF PAYMENTS IN HONG KONG 2 THE DIGITAL PAYMENTS LANDSCAPE IN HONG K

2、ONG 2019 have been impressed by the variety of payment methods that are used here. In the UK, there is no equivalent to the convenience that the Octopus card offers, and PayPal is the main digital wallet that is used (a legacy of when that was the only way to pay for purchases on eBay). Contrast thi

3、s to Hong Kong, where there are currently ten digital wallets that are accepted to varying degrees in the retail sector. Furthermore, this research has uncovered that nearly nine in ten consumers have used a digital wallet in the past year. This underlines that there is a genuine willingness to enga

4、ge with these new payment methods, which have appeared on the market since the Hong Kong Monetary Authority issued its first stored value facilities (SVF) licenses in 2016. If there is a lesson to be learnt from this report, it is that payment preferences in Hong Kong are varied and retailers need t

5、o embrace this diversity in their payment strategies. For instance, retailers targeting younger consumers should consider offering a cash on delivery option due to low credit card ownership, while accepting digital wallet payments is a must for businesses operating in the food retail sector. Retaile

6、rs should also keep in mind that the need for convenience is a major driver of purchasing behaviour. The patience of Hong Kongers with long queues is wearing thin, and speeding up the checkout process is exactly why some shoppers are opting for digital wallet payments. At the same time, consumers wa