Kapronasia Thunes：2023从现金到二维码-东南亚多元消费支付文化研究报告（中译版）（17页）.pdf

1、From Cashto QR CodesUnpacking Southeast Asias Diverse Consumer Payments Culture.ContentsIntroduction.3Southeast Asias evolving consumer payment landscape.4Overview.4Digital wallets.5Government policies,regulations and infrastructure developments.6Domestic QR real-time payments(RTP).7BNPL(Buy-Now,Pay

2、-Later).8Micro-merchants fueling a wave of digital payment adoption.9Five things to know about consumer payment culture in Southeast Asia.11#1.Cash still plays a pivotal role in POS payments.11#2.eCommerce growth continues to drive digital wallet adoption.12#3.Consumer loyalty to digital wallets rem

3、ains low but an ecosystem approach can help addressthis.12#4.Sachet/micro-payments economy spending habits influence features in payment andfinancial services.13#5.Rural vs.urban divide and level of domestic socio-economic development affect consumersmotivation for cashless payments.13The future of

4、Southeast Asias consumer payment culture.16References.172IntroductionAs a wave of digitisation swept over the consumer payment landscape in Southeast Asia,the pace ofevolution has been so rapid that most of the payment data and coverage of fintech service providersfrom just two ago is no longer vali

5、d.Case in point,digital wallets in the region have experienced a wave of consolidation that resulted ineach market having two to three players capturing upwards of 90%of market share(in terms oftransaction value)and mindshare of the local population as they became household names.Attempts to enable

6、easier access to credit have emerged in the form of Buy-Now,Pay-Later(BNPL),which took the region by storm and remains a controversial but highly impactful change.Furthermore,in recent years,regulators across Southeast Asia have made strides towards a cashlesssociety by developing roadmaps to transf