Back

專訪TNG創辦人江慶恩:「我希望照顧8成無八達通的小商戶」

24/11/2015謎米香港

專訪TNG創辦人江慶恩:「我希望照顧8成無八達通的小商戶」

立法會財務委員會在主席陳健波強行剪布下,通過成立創新及科技局的撥款。上周五楊偉雄獲任命為創新及科技局局長,意味著創新及科技局正式成立。提到創新和科技發展,就不得不提近日一個很有話題性的手機應用程式─TNG Wallet。早前TNG與759合作,推出增值$100送$100優惠,一夜爆紅,不少市民爭相參與活動,令系統不勝負荷;後來TNG聲稱可為客人代繳電費、煤氣費等,觸發多間機構發聲明澄清,不少網民表示擔心受騙,導致怨聲載道。

TNG行政總裁江慶恩接受《謎米香港》訪問時,被問到其公司背景和資金來源時,江慶恩直言:「坊間有好多炒作,同埋有好多網絡打手係度製造白色恐慌…TNG冇同任何一間中資企業有關係,而且同Sino Dynamic亦都係獨立。」講到TNG成立的原因,「公司有幾個股東,個個都有生意做,我自己係大股東,亦係Sino Dynamic既老闆……咁我地覺得既然自己有經驗、有能力,咁就做左TNG出黎。」近年中港矛盾加劇,不少香港人反感大陸人,甚至一聽到某企業是有「紅色背景」就揚言杯葛他們,「我覺得好奇怪,即使係紅色資本又有咩問題?大家都係咁用淘寶、Wechat,我唔明白有咩問題,更何況我地都唔係紅色資本。」

 

聽到TNG,大部分人只會想到的是到759增值$100後會再多送$100,江慶恩說與TNG合作的不止759,「而家大約有200-300間商戶加入我們,有茶餐廳、魚蛋檔、面包店……我地個target係個啲中小企,針對冇八達通、Visa、Master既舖頭。」江慶恩稱成立TNG的目的是惠及中小企,採取全自動化的模式,令商戶和消費者更方便、省時。「每間商戶都有個QR Code,User只要掃一掃個QR Code就會比左錢,而商戶只要用手機就可以confirm係咪完成交易。」被問到是否與八達通競爭,「我想強調一點,我地從來都冇諗過同佢地(八達通)競爭,因為我地主要針對既係中小企或者小販。」

 

江慶恩透露已準備了6、7年時間,對於創科局的成立有什麼感想,他說,「對創意科技有一定既幫助,呢幾年一直同佢地(政府)有密切既交流,大家來往左好幾年,政府都好welcome我地,而我都認為立例係一件健康、有必要既事。」

 

TNG Wallet是一種虛擬的錢包,用戶可透過759、7-11、Jetco等增值,然後就可以購物。除了付款功能外,還可以轉賬給朋友。除此之外,TNG還有很多特別和創新的功能,「TNG有內置既積分卡、會員卡,係買野之前比佢(商戶)掃一掃就會儲左分或者已經折左。同埋我地同電子門票合作,不論時間、地點,你都可以買到飛,然後可以將飛send比朋友,唔洗將實體飛送到朋友手上。黎緊我地會推出medical helper,我地同200幾間診所合作,推出用$1000買10張套票既優惠,只要User打開個APP就可以見到有咩診所係附近,可以預先攞籌同掛號。」江慶恩指這些功能暫時還沒有人做過,他續透露,「TNG將會同自動售賣機合作,User如果有需要,可以透過APP check下附近最近的自動售賣機係邊度,以及有冇你想要既野,有既話只要用TNG就可以買得到。」

(TNG與電子優惠劵合作)

(TNG與電子門票合作,不用使用實體門票入場)

(TNG將與自動售賣機合作)

科技先進,令人最擔心的當然是安全問題,江慶恩指TNG比NFC更安全,「個QR Code每10秒就會轉一轉,就算比人偷影左都冇用。而且開TNG要輸入password,然後睇QR Code個陣又要輸入多次password,所以安全問題唔洗擔心。」至於提到早前TNG聲稱可以替用戶繳費,導致煤氣公司、中電等公司發聲明澄清。江稱,「市民可能好緊張,但既然大家feel uncomfortable,所以我地暫時停止左服務,等安排好就會重新繼續服務。」 

的士在幾年前已推出可用八達通付款,可惜至今仍未普及,江慶恩指,「失敗係因為通常一部的士都係由幾個司機合租,如果裝八達通收費機,鼓勵乘客用八達通比錢的話,司機每日既收入就難以計算。其二,如果用八達通收費機就須要登記銀行戶口同其他個人資料,但由於的士司機係唔交稅,所以用八達通比錢呢個方法唔成功。」但江指TNG只要用手機便可交易,故此推行起來會較易接受和方便。

香港人喜歡創新,但TNG的出現卻有不少質疑的聲音,原因是否走得太快,而令香港人還沒適應,「我認為係一小部分既人唔接受,同埋新既野帶到衝擊既時候啲人就會驚,未必即刻可以接受到。」

- See more at: http://news.memehk.com/posts/12242#sthash.e7crmlNR.dpuf

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.