行動支付超越實體卡 使用LINE Pay排名冠 - 信用卡
By Blanche
at 2020-07-10T23:17
at 2020-07-10T23:17
Table of Contents
行動支付超越實體卡 使用LINE Pay排名冠軍
https://www.cardu.com.tw/news/detail.php?41071 卡優新聞網 記者張家嘯
國人愛用行動支付程度首度超越實體信用卡。根據資策會公布的「今(2020)年上半年行動
支付大調查」,發現若有商家在支援所有支付工具情況下,消費者首選行動支付的比例達
35.3%,首度超越實體信用或金融卡的33.9%,足見行動支付在國內市場已逐步成為顯學。
目前10款台灣最常用的行動支付中,有8成民眾常用的行動支付介於1~3款,且只使用
1款的用戶已從去(2019)年23.6%,增至今年上半年37.9%。其中,LINE Pay為全年齡層用
戶最常用的行動支付,而亞軍競爭激烈,18~25歲用戶青睞Apple Pay,26~45歲用戶第二
常用街口支付,46~65歲用戶則為PX Pay。
以最常使用的行動支付排名來看,通用型前五名依序為LINE Pay(28.1%)、街口支付
(15.5%)、Apple Pay(9.7%)、Easy Wallet悠遊付(6.2%)與玉山Wallet(5.1%);限定型前
五名則依序為PX Pay(11%)、Fami Pay(3.8%)、Open錢包(1.7%)、Carrefour Pay(1%)與
HAPPY GO Pay(0.7%)。
調查發現,街口支付的用戶月均消費次數,明顯高過其他用戶,但消費屬性偏向小額
多次;而Apple Pay用戶消費力最高,在超過1,000元的單次消費金額,與均消金額比例,
皆高於其他用戶。
資策會表示,這10款行動支付已經囊括82.8%的總用戶數,現在台灣行動支付市場已
開始出現收斂趨勢,限定型行動支付分散通用型用戶滲透率的趨勢比去年更為明顯。
至於用戶續用最主要是「方便、優惠、省時」,延續去年排名順序,且受到新冠疫情
影響,「衛生因素」成為26.9%用戶續用的原因。另外也有21.6%非用戶為了防疫願意嘗試
使用。而在使用行動支付的過程中,用戶表達最常遇到的問題是「通路有限(24.7%)」與
「商家限特定銀行卡(24.6%)」。
資策會認為,隨著更多用戶越來越習慣使用行動支付,業者應更加把握續用因素進行
布局,才能拉攏更多用戶,包含支付業者須投入更多行銷預算、金融業者須提供更誘人的
卡片回饋、通路業者須結合更多會員獎勵等。
--
https://www.cardu.com.tw/news/detail.php?41071 卡優新聞網 記者張家嘯
國人愛用行動支付程度首度超越實體信用卡。根據資策會公布的「今(2020)年上半年行動
支付大調查」,發現若有商家在支援所有支付工具情況下,消費者首選行動支付的比例達
35.3%,首度超越實體信用或金融卡的33.9%,足見行動支付在國內市場已逐步成為顯學。
目前10款台灣最常用的行動支付中,有8成民眾常用的行動支付介於1~3款,且只使用
1款的用戶已從去(2019)年23.6%,增至今年上半年37.9%。其中,LINE Pay為全年齡層用
戶最常用的行動支付,而亞軍競爭激烈,18~25歲用戶青睞Apple Pay,26~45歲用戶第二
常用街口支付,46~65歲用戶則為PX Pay。
以最常使用的行動支付排名來看,通用型前五名依序為LINE Pay(28.1%)、街口支付
(15.5%)、Apple Pay(9.7%)、Easy Wallet悠遊付(6.2%)與玉山Wallet(5.1%);限定型前
五名則依序為PX Pay(11%)、Fami Pay(3.8%)、Open錢包(1.7%)、Carrefour Pay(1%)與
HAPPY GO Pay(0.7%)。
調查發現,街口支付的用戶月均消費次數,明顯高過其他用戶,但消費屬性偏向小額
多次;而Apple Pay用戶消費力最高,在超過1,000元的單次消費金額,與均消金額比例,
皆高於其他用戶。
資策會表示,這10款行動支付已經囊括82.8%的總用戶數,現在台灣行動支付市場已
開始出現收斂趨勢,限定型行動支付分散通用型用戶滲透率的趨勢比去年更為明顯。
至於用戶續用最主要是「方便、優惠、省時」,延續去年排名順序,且受到新冠疫情
影響,「衛生因素」成為26.9%用戶續用的原因。另外也有21.6%非用戶為了防疫願意嘗試
使用。而在使用行動支付的過程中,用戶表達最常遇到的問題是「通路有限(24.7%)」與
「商家限特定銀行卡(24.6%)」。
資策會認為,隨著更多用戶越來越習慣使用行動支付,業者應更加把握續用因素進行
布局,才能拉攏更多用戶,包含支付業者須投入更多行銷預算、金融業者須提供更誘人的
卡片回饋、通路業者須結合更多會員獎勵等。
--
Tags:
信用卡
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