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電子錢包混戰 業界新招吸客 HKT推實體卡 TNG獲500商戶加盟

11/12/2015CTgoodjobs

電子錢包混戰 業界新招吸客 HKT推實體卡 TNG獲500商戶加盟

【經濟日報專訊】移動支付發展潛力大,不少企業對這塊「肥豬肉」虎視眈眈,有意加入戰場。率先在香港推出電子錢包的兩家公司:香港電訊(HKT、06823)以及TNG,均表示毋懼競爭,反認為可「做大個餅」,推動市民嘗試及接受電子錢包。

打響頭炮後,香港電訊本月將推出實體卡,攻非香港電訊或近場通訊(NFC)手機用戶;TNG亦透露,下個月有500間商戶加盟平台,同時推出不同優惠吸客。

不少企業欲於移動支付商機分一杯羹,即使在香港這彈丸之地,除了香港電訊、數碼通(00315)及TNG今年相繼宣布推出相關服務,金管局曾透露,已有20多家公司有意申請營運儲值支付工具牌照,蘋果亦有計劃明年把Apple Pay服務擴至本港,預見來年將掀起混戰。

港仍屬起步 盼競爭帶來進步
在香港,電子錢包概念仍屬起步階段,TNG行政總裁江慶恩直言,雖然八達通在港普及多年,但欠缺競爭的情況下,相比亞洲其他地區如內地、馬來西亞等:「已經輸咗九條街!」以TNG手機錢包中的電子門票為例,在香港看似新鮮,其實他已在馬來西亞推行6年,故認為有競爭才有進步,亦可教育公眾。

香港電訊產品開發、業務發展及卡務營運高級副總裁管紀東表示,目前各手機錢包業務不盡相同,不擔心形成惡性競爭,即使現時Apple Pay傳聞與美國運通和銀聯合作來港發展,但認為收取其信用卡商戶不多,未成威脅;反而「一人之力難接觸所有市民」,多人加入「做大個餅」,可令更多市民認識何為手機錢包。

談到港人對手機錢包的接受程度,二人看法不一,但同樣充滿信心。

管紀東表示,香港人喜歡試新事物,且人人手機不離手,結合通訊和支付帶來方便,用戶數量持續增長,與零售商合作推優惠時,更有顯著增幅;而江慶恩則形容「用戶好緊張」,不輕易改變消費習慣,但他相信服務可省卻找錢、排隊麻煩,試過必會繼續支持,冀1年內用戶增至200萬名:「只要無咁多惡意攻擊,相信(市場)會成長得好快!」目前TNG有25萬名用戶,而香港電訊不願透露實際用戶人數,僅表示Google Play下載量逾5萬次作參考。

看好港人願試新 料增長快
兩公司將有下一波攻勢以擴大市場,「拍住賞」本限制用戶必須為香港電訊旗下客戶、及使用具備功能的Android手機,管稱本月中會正式推出實體卡,供其他電訊商或非NFC手機用戶使用,實體卡用途為到實體店付款時拍卡即時認證,似乎有違手機取代錢包的原意,管回應實體店只是其中一環,網上購物、P2P轉帳等其他功能,仍需靠手機App掌控所有交易。

TNG則致力增加付款地點,江透露,下月一次過500家商戶加盟平台,同時推出一系列優惠,「起碼多4張虛擬會員卡」。另外,公司早已研發用手機付款買零食的售賣機、配合電子門票一掃入閘的入閘機等,江表示現已跟活動主辦單位和便利店傾合作,明年內會推出市場。

撰文: 黃蘊華

Announces Strategic Exit from Stored Value Facilities ("SVF") business

We would like to announce to our users that we have decided to exit the SVF business due to our consideration for strategic corporate restructuring and realignment. The decision to exit the SVF business was made after a thorough review and deliberation of the company’s portfolio and business strategies. We are working on a non-SVF business for a total transformation of our business to carry our motto of “Make Your Life Easier”. Do take note of our future announcement. 

Customer Protection

TNG Wallet remains committed to supporting its users, merchants, and service partners  during this transition. We have made sufficient provision for financial and administrative resources to meet the float redemption and relevant administrative processes to ensure that all obligations to users, merchants and service partners are met and that users are provided with the necessary guidance and support. 

The existing independent 3rd Party, Custodian agency, (“Tricor Trust (Hong Kong) Limited”) will continue to act as Custodian throughout the redemption process. TNG will commence the exit process today (25 October, at 4:30pm) and all of the services will be terminated by 9 December 2024. From 4:30pm on 25 October 2024 to 6:00pm on 9 December 2024, all TNG users will be able to withdraw your money in TNG Wallet in various ways (see below service list for more info). 

You are encouraged to withdraw the remaining balance via local merchant payment, FPS/ Bank Transfer, P2P Transfer, and MasterCard Purchase on or before 9 December 2024 6:00pm. All relevant service charges will be waived during the period of 25 October 2024 and 9 December 2024. After the termination of TNG services on 9 December 2024, TNG Wallet App will be retired and the management fees will be applied. 

For details, please click this window to find out.