中信銀:信用卡將消失 - 信用卡
By Mason
at 2015-07-29T07:13
at 2015-07-29T07:13
Table of Contents
中信銀:信用卡將消失
10年後雲端化 銀行須從別處賺錢
大勢所趨
【廖珮君╱台北報導】10年後,你我手上的信用卡,將可能消失,信用卡將雲端化了。中
國信託商銀副總劉奕成昨說,10年後,民眾付款可能不再需要信用卡、甚至也不需要銀行
帳號,只需確認為本人、就可以做支付,這是5~10年後信用卡市場可能發生的巨大改變。
劉奕成說,20年後信用卡只剩帳戶、信用額度及延後付款,「你可能不用卡,未來市場可
能談論的,不是信用卡市場,而是支付業務。」
他說,10年後可能不再使用信用卡卡號,一切都是憑證化,銀行只要確認是本人,不用信
用卡、只要有銀行帳號,或是根本不需要用帳號,這將是5~10年後發生的巨大改變。
他認為,民眾可能將從滿手都是信用卡,到現在手機信用卡(card in the phone),未
來將是信用卡雲端化了(card in the clouds),只需確認本人,經過生物辨識、密碼等
其他裝置確認本人,做預付、現付或後付信用卡,到透支信用額度等。
結合其他支付方式
昨日兩岸金融研討會舉辦「兩岸信用卡業務與未來發展」座談會,全台最大發卡銀行的中
國信託銀行拋出了上述思維,認為未來實體信用卡將會消失,走向雲端,劉奕成也說,信
用卡已非獲利工具,銀行必須從別的地方賺錢。
聯合信用卡中心董事長劉燈城說,台灣信用卡市場很競爭、但還是多家銀行推卡,是因信
用卡後續能帶來其他業務效益,所以不用擔心台灣沒有信用卡。
近年刷卡簽帳金額走勢
網路交易成長快速
劉燈城說,中信銀談到信用卡的未來,聯卡中心也在思索信用卡可能有一天也會不見,未
來在電子票證、第3方支付蓬勃發展下,實體信用卡的功能會慢慢與其他支付方式結合,
實體信用卡是否有可能消失,是需要思考的問題。
萬事達卡台灣區總經理陳懿文也說,根據萬事達卡2015年網路購物行為調查,77.6%民眾
上網目的是購物,比兩年前增加25%;而台灣44%都是透過手機進行網路交易,比2013年增
加60%,亞太區成長第1。
她認為,網路交易今年會突破1兆元,民眾依賴手機載具會更高,台灣民眾197分鐘每天手
機上網時間,全球第1,比世界平均高55分鐘。
她說,台灣整體信用卡流通卡3800萬張,每人平均3.8張,台灣從來不缺卡,但這只是付
款工具,她說,台灣電子支付佔民間消費支出僅27%,比香港、新加坡的破50%,南韓91%
還低,台灣還有很大發展空間。
劉奕成說,未來銀行業者看支付不看卡,所有行業背後都是人,人和人之間產生的行為,
才有支付需求。
http://goo.gl/txbf8s
--
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