British media: Chinese consumers shopping ahead of the developed world-IT information
United Kingdom the financial times recently published the HSBC Asia-Pacific retail banking business and wealth management Division Director Kevin j. Martin signed article said Chinese consumers in terms of online shopping and mobile payments application than most consumers in the developed world for many years ahead, "they are completely changed consumer finance operations in China, the world's second largest economy."
Points out that, with the rapid rise of the Internet and digital technology in China, China e-commerce sales soared from 2003 levels of almost zero in 2015 to nearly $600 billion, has exceeded the United States e-commerce sales. This year, Alibaba Group's online shopping platform "double 11" shopping sections create huge sales of $17.8 billion, an increase of 32%.
Martin attributed the rapid development of online shopping in China for two reasons. First, as with other developed economies, mainland China over the past decades the retail and telecommunications network developed are not easy, so consumers quickly accepting the Internet, buying clothes, especially mobile network hotel reservation or purchase tickets with friends and share the convenient and rich choice of shopping tips. Secondly, it wants to continue developing its economy, the Chinese Government has strong support from the development of Internet-related technology.
Quoted data of the market research firm eMarketer said County commercial sales this year are expected to reach nearly $900 billion, almost half the global total e-commerce sales; more than $2.4 trillion by 2020, of which 68% completed via mobile devices.
This byline article saying, in buying behavior changes from traditional over-the-counter transactions of its lines, finance is also quickly becoming paperless, networking and digitalization. Article said that Alibaba by building their own payments systems "PayPal" to take full advantage of the online market domination. In 2015, Alipay has 451 million active users average 153 million transactions every day. By contrast, corresponding to the PayPal function of United States online payment systems "PayPal" only 180 million active customers, only 16 million transactions a day on average.
Article also points out that, in the context of rapid development of electronic payment, traditional banks in China's e-commerce and electronic payments ecosystem response, and launched new digital tools for customers. For example, a virtual teller machines allow customers through video and bank employee interaction, scanned documents and electronic signatures, which means to open an account, such as business becomes more simple and quick. Fingerprint and voice recognition technologies have emerged, to soon be universal, for online and mobile phone customers to provide additional security and convenience.
Martin concludes at the end: "as recently as 5 years ago, almost no one can imagine the changes now sweeping China's retail and banking. The next 5 years will inevitably lead to more changes. Banks and retailers to adopt a flexible, forecast of 1.37 billion Chinese shoppers ahead of future needs and preferences. Those who predict the right people will find rewards are huge. ”
英媒：中国消费者在网购方面领先发达国家 - IT资讯
英国《金融时报》日前刊发汇丰银行亚太区零售银行业务和财富管理部门主管凯文·马丁的署名文章说，中国消费者在网购及移动支付应用方面，比很多发达国家的消费者超前很多年，“他们正在彻底改变消费金融在中国这个世界第二大经济体的操作方式”。
文章指出，随着互联网和数字化技术在中国的迅速兴起，中国大陆电商销售额从2003年几乎为零的水平飙升至2015年的近6000亿美元，已超过了美国的电商销售额。阿里巴巴集团旗下在线购物平台在今年“双十一”购物节中创造了178亿美元的庞大销售额，同比增长32%。
马丁将网购在中国的迅速发展归结为两方面原因。首先，与其他发展中经济体一样，过去几十年中国大陆的零售和电信网络不发达也不方便，因此消费者迅速接受了互联网，特别是移动网络在购买衣服、预订酒店或购买电影票以及与朋友分享购物窍门方面带来的便捷和丰富选择。其次，希望继续发展经济的中国政府一直对互联网相关技术发展给予大力支持。
文章援引市场调查公司eMarketer的数据说，预计今年中国大陆电商销售额将达到近9000亿美元，差不多是全球电商销售总额的一半；到2020年将超过2.4万亿美元，其中高达68%通过移动设备完成。
这篇署名文章说，就在购买行为从传统柜台交易变为线上交易之际，财务互动也迅速变得无纸化、网络化和数字化。文章介绍说，阿里巴巴通过建立自己的支付系统“支付宝”来充分利用在线市场的高人气。2015年，支付宝拥有4.51亿活跃用户，每天平均完成1.53亿笔交易。相比之下，与支付宝功能相对应的美国网上支付系统“贝宝”只有1.8亿活跃客户，平均每天仅完成1600万笔交易。
文章还指出，在电子支付迅速发展的背景下，传统银行业也在对中国电子商务及电子支付的生态系统作出反应，竞相为客户推出新的数字化工具。例如，虚拟柜员机允许客户通过视频与银行员工互动、扫描文件并提供电子签名，这意味着开户等业务变得更加简单快捷。指纹识别和声音识别技术也已出现，要不了多久就会普及，为在线和手机客户提供额外的安全和便捷。
马丁在文末总结说：“就在5年前，还几乎无人可以想象如今席卷中国零售和银行业的变革。接下来的5年必然还会带来更多变革。银行和零售商要灵活应变，提前预测13.7亿中国购物者的未来需求和偏好。那些预测正确的人会发现，奖励是丰厚的。”