支付寶威脅八達通市場地位 AlipayHK catching up with Octopus

話説八達通係前年已經度過咗20歳嘅生日，擁有3,500萬流通量，壟斷咗香港電子貨幣嘅八達通，終於喺近年遇到似樣嘅競爭對手。雖然途中出現過TNG，Tap&Go等對手，但係都動搖唔到八達通係預付支付方式嘅地位。2016年就相繼有Apple Pay同Android Pay出現，率先帶領進入手機支付嘅世代，2017年更有支付寶(香港)出現，削弱八達通嘅一哥位置。

 

再睇返近期港鐵宣布將會開放車費付款俾支付寶等電子支付方式，意味着支付寶可以藉此喺香港更爲普及。其實面世未夠兩年嘅支付寶已經有20,000個零售點支援，已經拍得住有21年歷史嘅八達通24,000嘅數字，可見成長迅速。大小通吃似乎支付寶殺食嘅地方，大至百佳，小至生果舗都係佢哋合作嘅對象。有咗Openrice同香港街市集團等合作伙伴，仲要冇安裝費用等門檻，令到佢哋可以同無數細商戶設立支付方式，例如茶餐廳，街市入面嘅水果舗，通通係佢哋嘅合作對象。

 

隨著唔同電子支付方式嘅崛起，對商戶嚟講無疑係多咗選擇，可以留意唔同供應商嘅初期安裝費，手續費，佣金，最低交易量限制，合約期，現有用戶人數等，再決定使用邊一款支付方式。有咩問題都可以隨時問我哋㗎！

 

 

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In a Hong Kongers’ pocket, you will find an Octopus card for most cases, but will it be the same in the coming 10 years? In fact, there are 35M cards circulating in the market. Celebrating the 20th anniversary in 2017, Octopus was also facing multiple new competitors. In the past, there were newcomers like TNG and Tap&Go but still, its market leader position remained unchanged. In 2016, both Apple pay and Android pay launched to the market at the different time, which both earned a significant number of users. This is an important milestone of entering the mobile payment era. Furthermore, an e-wallet originated from China – AlipayHK launched in the following year. Until now, it has still remained unknown whether AlipayHK will overtake Octopus in the future but it is possible.

 

AlipayHK is growing at lightning speed. We can tell by looking at the number of retail outlets supporting the payment method. The number of retail outlets with AlipayHK hit 20,000 within just 2 years while the 21-years-old Octopus is supported by 24,000. One of the main reasons making AlipayHK capable in developing such a huge network in a short period of time is a catering business in different size. Without any installation fee, flat transaction rate and strategic partnership with Openrice and Hong Kong Market Group make AlipayHK successfully penetrated into the market of small-scale merchants. Thanks to the partners, you can now find local restaurants and wet-market stores start providing AlipayHK as a payment option. Additionally, we can foresee the growth of AlipayHK will further accelerate when MTR starts providing AlipayHK as one of the payment methods in 2020.

 

As a business owner, it is good news to be offered another payment method for choosing. You may take the initial fee, commision rate, fee per transaction, minimum sales amount, contract period and number of users in the market into consideration. So, you can choose wisely in order to minimize the cost for payment. Feel free to talk with us if you wish to know more about innovation in retail management and change in consumer behaviour.