Ling U

Ling U

Ling U

Ling U

Ling U

70 per cent of respondents use electronic vouchers for daily purchases, LU survey shows

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A recent online survey conducted by the Hong Kong Institute of Business Studies of Lingnan University (LU) found that more than half of the respondents use three or more electronic payment tools for daily purchases, reflecting a growing acceptance of electronic payment in the community. Octopus, Alipay and WeChat Pay are the most common payment tools.

The research, entitled “Hong Kong Electronic Consumer Vouchers: A Study on Consumers’ Intention to Receive and Use Consumer Vouchers”, collected 6,154 consumers’ views towards the Government’s  Consumption Voucher Scheme and their electronic payment habits. In mid-May 2021, in cooperation with HK01, the research team conducted a 14-day survey via an online platform targeting Hong Kong citizens aged 18 or above.

Forty-three per cent of the respondents indicated that they will get electronic consumption vouchers through Octopus, followed by Alipay (25%), WeChat Pay (9%), and Tap-and-Go (3%). In terms of consumption pattern, almost 70 per cent of the respondents will use vouchers to purchase daily necessities and food, and about 70 per cent choose to use them in supermarkets. It is estimated that the scheme mainly benefits the local retail and catering industry. More than half of the respondents are willing to pay extra to purchase more expensive goods, reflecting that the distribution of consumer vouchers can stimulate consumer spending. In addition, one in six respondents expressed their willingness to donate the vouchers to charities to help people in need.

Survey results imply that the Government’s Consumption Voucher Scheme will stimulate consumption, encourage more consumers and merchants to use electronic payment tools, and accelerate the digital transformation of Hong Kong’s economy.

The research team suggests that the Government or relevant departments set up a hotline for citizens to inquire about the scheme. Since the elderly and low-income families seldom access websites or use mobile apps, the Government and community services should help these groups to understand and use electronic payment.

嶺大調查發現近七成受訪者選擇使用電子消費券購買日常用品和餐飲

嶺南大學（嶺大）香港商學研究所近期的網上問卷調查發現，有超過一半的受訪者使用三種或以上的電子支付工具，其中八達通、支付寶和微信支付在四間指定電子消費券營辦商中最為常用，反映電子支付日漸盛行。

該研究題為「香港電子消費券：關於消費者領取和使用消費券意向的研究」， 目的是瞭解消費者對政府派發電子消費券的意見及使用電子支付工具的習慣。研究團隊與《香港01》合作，於2021年5月中於網上進行了為期14日的電子消費券問卷調查，訪問對象為18歲或以上香港市民，收集了6,154份有效問卷回應。

調查結果顯示，四成三受訪者表示未來會透過八達通領取電子消費券，其次是支付寶(25%)、微信支付(9%)及拍住賞(3%)。消費用途方面，近七成人會將消費券用於購買日常用品及餐飲，亦有近七成七受訪者選擇到超級市場使用消費券，估計本地零售及餐飲業最為受惠。亦有超過一半的受訪者願意額外貼錢以購買較貴的商品，反映派發消費券有助推動市民的消費意欲。另外，有六分之一人則表示願意捐出消費券予慈善團體以幫助有需要人士。

此次調查結果顯示，政府是次的電子消費券計劃可以帶動市民消費和促進更多消費者和商戶使用電子支付工具，加快香港經濟的電子化轉型。研究團隊建議，政府或相關部門可以設立熱線供市民查詢電子消費券的資訊。考慮到長者及低收入家庭較少使用網站及手機應用程式，政府和社區服務團體可更多關注此類人群，幫助他們熟悉電子支付工具的使用。電子消費券可以有較寬鬆的使用期(如有效期至明年春節)，且可用於更廣泛的消費類別及消費場所，例如繳付醫療費和長者院舍費。政府可以考慮允許將消費券捐至慈善團體，慈善團體亦可做出配對捐款。研究團隊亦建議零售商不對電子消費券的使用提出附加條款，積極配合政府的電子消費券計劃的成功實施。各電子支付平台亦可提供優惠給商戶及顧客，例如寬免中小商戶在電子消費券推出時的安裝費和提供較長時間的交易手續費的減免。

Acknowledgement:

The research is supported by Lingnan University Innovation and Impact Fund (sponsored by the UGC Knowledge Transfer Fund)
此項目為嶺南大學創新及效益基金支持項目(由教資會知識轉移基金贊助)