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香港快趕上出門不帶現金的時代吧!

儲值支付工具(SVF)牌照審批醞釀多時,金管局終在八月底批出第一批共5個儲值支付工具的牌照,包括阿里巴巴支付寶錢包、微信支付、Tap&Go拍住賞、TNG電子錢包及八達通好易畀。有人望穿秋水,不過大部分香港人都對儲值支付認識不深,以致普及程度遠不及鄰近地區。比如在淘寶阿里巴巴的誕生地、被譽為「最大移動支付之城」中國杭州,最近就有一位德國人體驗到出門不帶現金的方便。

這位德國人阿福是微博紅人,他8月到杭州遊玩時,實測「最大移動支付之城」的威力,全程只使用手機和護照:早上用支付寶乘坐公車,到達目的地後,購物、吃飯點餐用掃二維碼(QR Code)方式支付費用。一天結束後,阿福說:「我去過全世界30多個國家,沒有一個城市能像杭州這樣便利。即使是路邊普通的燒餅攤,都能完成移動支付」。

試想一下,出門只帶手機便能支付衣食住行所有消費賬項如此方便,對事事講求效率的香港人應有一定吸引力,但事實卻相反,香港人用儲值支付工具動力似乎較低。要用儲值支付工具,首要將帳戶增值,不過現時大部份儲值支付工具增值都不能做到即日過數,而且儲值金額設上限,令用家覺得麻煩而卻步。其次是普及程度的問題,在外國人阿福的案例中,吃路邊普通的燒餅攤都可用儲值支付,但反觀香港,連乘坐小巴、的士等公共交通工具都非全部可用。另外,有儲值工具主打不能用信用卡支付的小商戶,不過宣傳不足,優惠又不多,令消費者使用該新科技的動力低。再來是用家對任何新產品的首次體驗,很大程度決定他日後會否繼續使用,早前有朋友見某個儲值支付工具與便利店合作推出優惠,就下載一試,結果在付款時電話App畫面出現問題,加上職員不熟悉運作,等了又等,還不如用已推出非接觸式(payWave)的信用卡一「嘟」方便。

雖然目前香港仍以現金支付為主,不過創新支付是全球大勢所趨,香港在這方面也要急起直追:解決最基本的技術問題,多從用家體驗角度出發,最終才會被消費者接受和普及化。

 

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創意+移動讓你玩轉網路行銷

試問網路行銷時代什麼最值錢,答案只能是“創意”,好的創意如同強心劑,一針下去讓網路沸騰,瞬間炸開了花。只有創意沒有助推力怎麼能行?移動網路助你一臂之力。所謂“無移動,不行銷”,2016是移動網路的天下,拋棄了它你的行銷走不遠。玩轉“創意”和“移動網路”,你基本上掌握了網路行銷的趨勢。 網路行銷的目的是把有效資訊推送到消費者眼前,而好的創意能加深消費者的記憶,引起一系列後續步驟。赤裸裸打廣告的時代已去,現在的網路行銷玩的是頭腦風暴,是新穎。可能它只是一個段子,但經過加工,在網路上進行推廣,就能迅速蔓延。所以,想要做好網路行銷,新穎別致的創意是必不可少的。 移動互聯網的發達得益于智慧手機的盛行,它的影響力不容小覷。不管是上班族也好,還是普通的農民工,都有沒事兒刷手機的習慣。如果網路行銷能夠好好的利用移動網路,那效果就會事半功倍。當然,它只是一種推廣推廣途徑而已,想要你的網路行銷收穫累累必須得下功夫,走心的網路行銷策略才是王道。

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