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马来西亚五大最好的电子钱包盘点 | 出海马来西亚支付岛群第1期

2019-07-30 22:18:01

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你可能还记得我是去年投诉电子钱包的人,后来再次抱怨马来西亚对无现金的驱动,这可能会让你胆子大脑 - 你猜对了 - 电子钱包。

 

我对这个仍然流行的潮流一般持怀疑态度吗?也许。毕竟,尼尔森进行的这项调查表明,由于安全性较低(50%),对超支(34%)和低商户接受度(27%)的担忧,这里的使用量仍然很低;在我看来,后者应该有更高的百分比。

 

马来西亚国家银行(BNM)ICTF现在应该是活跃的,由PayNet的实时零售支付(RPP)系统支持。

 

然而,我也是一个普通的马来西亚人,住在[巴生谷地区],有大量的电子钱包接触点和频繁的在线购物者。

 

所以当我说这些抱怨来自经验的地方时,请相信我。另一方面,这也意味着我在使用电子钱包时已经形成了自己的偏好,而且我有一个关于谁能够在我们现在所处的整合前融资阶段生存的理论。

 

以下是我对马来西亚最好的马来西亚电子钱包的选择

 

Boost

             

Axiata拥有的电子钱包肯定做了很多事情。奖励特征的震动是天才的一击,真正达到了游戏化的最佳点。

 

如今,谣言很普遍,Boost不再给予他们过去的奖励,这暗示我们已经达到了用户获取的里程碑,现在他们将精力集中在其他途径上。

 

Boost与我经常使用的一些在线购物平台集成,允许进行账单拆分(虽然仅与其他“Boosties”),我个人喜欢它与Fave集成以获得折扣。

 

最重要的是,Boost可能是许多巴生谷地区最现成的电子钱包,实际上是电子钱包的代名词,这本身就是一个品牌成功。

 

除了游戏化之外,我认为Boost的秘诀还在于它的快速促销,以及大量商家以相对较快的速度采用高速率。

 

快速吸引可能导致一些初期成长的痛苦,商家们对如何使其发挥作用感到困惑,但我不得不承认最初关注的数量对他们来说是成果。

 

他们已经成功实现了高度收养,现在他们面临的挑战是保留,而像Boost Missions和数字Ang Pao服务这样的事情是他们为此付出的努力。然而,这是可能导致它们滑倒的棘手小马。例如,这种病毒式盗窃案可能会吓跑现有用户。

 

GrabPay

             

我要说实话,我只是把GrabPay放在这里因为我真的很珍惜GrabFood,这项服务让我可以冲动地泡泡茶或者一顿美味的热餐,而不用担心最低订单。 因此,在我经常使用它和我的工作推动的Grab旅行之间,我得到了很多积分,我可以换取更便宜的饭菜或乘坐。

 

我常常嘲笑Grab坚持认为他们正在运行一个“超级应用程序”,但我不能否认GrabPay对我的价值,就是它的数字生态系统。 在这方面,我对Grab将金融服务融入其GrabPay生态系统(如保险和个人融资)的动力持乐观态度。

 

当我在网上购物或在收银台购物时,我仍然不太倾向于使用GrabPay,但如果养成习惯,Grab已经成为我的强有力竞争者。

 

Touch ‘n Go Wallet

             

你知道这点,我知道这一点。由于MyRFID,我只把TNG钱包放在这里。作为现代[编辑的巴生谷地区]  - 我经常发现自己在不同区域之间来回穿梭,所以我经常使用RFID。如果你增加了在公共交通工具中使用同一个钱包的能力,那么TNG钱包已经处于一个非常强大的位置。再次,它是关于这里的集成。 TNG变得诱人,因为它是我需要的服务的门户。

 

但是非收费站用途呢?

 

这绝对是TNG最大的垮台之一,也是马来西亚人在最长时间内正确提出的关注点。 TNG拥有马来西亚大型无现金破坏者的所有构建模块:他们只是没有完全执行。

 

值得赞扬的是,他们正试图弥补2019年的失利时间.TNG钱包招牌在我的地区蓬勃发展,并且正在推出更多服务。 TNG Wallet的最新举措之一就是宣布退款保证(基本上是信用卡功能,可让您取消交易)。

 

由于大多数电子钱包交易是针对较小的票务项目进行的,因此退款保证可以帮助它最终打破阻碍人们使用电子钱包进行更大交易的障碍。

 

因此,在我看到GrabPay对网上购物的吸引力时,我开始看到TNG在物理方面的潜力更大。现在,他们只需要弥补他们过去的错误并执行他们的新潜力。

 

BigPay

             

BigPay有三件大事要做。一,它在第一天推出,带有万事达卡的卡。其次,海外出国使得商品和服务的支出更便宜。

 

使用BigPay的万事达卡功能不仅几乎是免费的,一位精明的用户告诉我,飞往不同的国家并使用BigPay上的余额提取比使用典型的货币兑换更便宜。这样,即使我是一个主要以现金为基础的国家,我仍然可以从BigPay中受益。

 

但这也是因为我经常旅行,所以我实际上可以利用它最强大的卖点。

 

第三,还有一个我认为其他钱包应该已经做过了:BigPay为我提供了我的消费习惯细分,如上图所示。因此,在我的预算有点紧张的时候,或者如果你像我一样,想知道你的资金到底和何时,那么BigPay就能够提供解决方案。

 

这样,它的吸引力不仅仅是服务和奖励。这是金融知识的基础。现在,如果更多马来西亚商店允许我使用我的卡进行低于50令吉的交易,这将是很好的。

 

可悲的是,BigPay在促销方面一直相当安静,所以我希望该产品能够持续推动以及更多的营销和促销活动,因为BigPay绝对有空间从带卡的旅行电子钱包发展到本地竞争者。

 

Razer Pay

             

所以我主要把Razer Pay放在这里,因为虽然平台现在非常简陋,但我看到了很多潜力。 他们肯定让他们的电子钱包在Bangsar South的商家下来,你会看到他们的招牌到处都是。

 

他们计划将他们的电子钱包与Bangsar South的停车场整合,但对在那里工作的人进行的快速调查表明,他们还没有完全实施。

 

Razer现在正在与Visa合作,以确保钱包可以在任何有Visa终端的地方使用,这将打开使用。 Razer已经在同一个Bangsar South地区设立了金融科技开发总部,基于谣言工厂,他们肯定聘请了一些有趣的经验丰富的人在那里工作,为平台增添了一定的可信度。

 

Razer Pay经常被视为一个电子钱包,它只会吸引现有的游戏玩家群体,而且在某种程度上,这是真的。 但我认为他们可以做得更多。

 

 

原文:Here are 5 of The Best E-Wallets in Malaysia (in My Opinion)

 

You may remember me as the person who complained about e-wallets last year, and later, complaining again about Malaysia’s drive towards cashlessness, which will probably be emboldened by—you guessed it—e-wallets.

Do I generally have a skeptical eye on this still trendy bandwagon? Perhaps. After all, this survey conducted by Nielsen shows that usage is still low here due to perception of low security (50%), concern towards overspending (34%) and low merchant acceptance (27%); the latter which should have had a higher percentage in my opinion.

Bank Negara Malaysia’s (BNM) ICTF should be active by now, supported by PayNet’s Real-Time Retail Payments (RPP) system.

I am however also an average Malaysian, living in [redacted Klang Valley area] with tonnes of e-wallet touch points, and a frequent online shopper.

So trust me when I say that these complaints come from a place of experience. On the flipside, this also means that I’ve developed my own preferences when using e-wallets, and I have a theory about who will stand to survive the pre-consolidation money burning phase we’re in right now.

The following are my selections for the best Malaysian e-wallets in Malaysia

 

Boost

The Axiata-owned e-wallet has certainly done many things right. The shake for reward feature was a stroke of genius that really hit the gamification sweet spot.

These days, rumours are rife that Boost does not grant the rewards that they used to anymore, which hints to me that they’ve hit their milestones for user acquisition, and are now focusing their energies on other avenues.

Boost integrates with some of my often used online shopping platforms, allows for bill splitting (though only with other “Boosties”), and I personally like that it integrates with Fave for discounts.

Most crucially though, Boost is probably the most present e-wallet in many Klang Valley areas, and practically synonymous with e-wallets here, which is a branding success in its own right.

Besides gamification, I think Boost’s secret is also its rapid-fire promotions, and high rates of adoption by a large number of merchants at a relatively fast pace.

Being quick to the draw may have led to some initial growing pains with merchants confused about how to make it work, but I have to admit that the initial focus on volume bore fruit for them.

They’ve managed to achieve high adoptions, the challenge for them now is retention, and something like Boost Missions and the digital Ang Pao service are some of their efforts towards that. However, this is the tricky pony that may cause them to slip. This viral theft case, for example, may scare existing users away.

 

GrabPay

Image Credit: GrabI’m going to be honest, I’m only placing GrabPay here because I genuinely cherish GrabFood, a service that allows me to get a bubble tea or a nice hot meal impulsively, without worrying about minimum orders. So between my frequent use of that and my work-fueled Grab trips, I’m getting a lot of points that I can exchange for cheaper meals or rides.

I often scoff at Grab’s insistence that they’re running a “super app” but I can’t deny that the value in GrabPay for me, is its digital ecosystem. In that vein, I am optimistic about Grab’s drive to integrate financial services into its GrabPay ecosystem, like insurance and personal financing.

I’m still not too inclined to use GrabPay when I’m shopping online or at the cashier counter, but if get into the habit, Grab becomes a strong contender for me already.

 

Touch ‘n Go Wallet

You know this, and I know this. I’m only putting the TNG Wallet here because of MyRFID. As a modern [redacted Klang Valley area]-ian, I frequently find myself travelling back and forth between different areas, so I use RFID frequently. If you add on the ability to use the same wallet during public transport, then that places TNG Wallet in a really strong position already. Again, it’s about integration here. TNG becomes enticing because it’s the doorway for a service that I need.

But what about non-toll gate uses?

This is definitely one of TNG’s biggest downfalls, and a point of concern that’s been rightly raised by Malaysians for the longest time. TNG had all of the building blocks for Malaysia’s big cashless disruptor: they just didn’t quite execute.

To their credit, they’re attempting to make up for lost time in 2019. TNG Wallet signboards have been mushrooming in my area, and more services are being introduced. One of TNG Wallet’s latest moves is the announcement of money-back-guarantee (basically the credit card function that enables you to cancel transactions).

Since most e-wallet transactions are made for smaller ticket items, a money-back-guarantee may help it finally break the barrier that holds people back from using their e-wallets for bigger transactions.

So where I see the appeal of GrabPay for online purchases, I’m starting to see TNG’s stronger potential on the physical side. Now, they simply need to make up for their past mistake and execute on their new potential.

 

BigPay

BigPay has three big things going for it. One, it launched on day one with a Mastercard-enabled card. Secondly, going overseas with it makes spending on goods and services much cheaper.

Not only is it practically free to use BigPay’s Mastercard function, a savvy user taught me that it’s cheaper to fly to a different country and withdraw money using the balance on BigPay than it is to use typical money exchanges. This way, I can still benefit off BigPay even if I’m in a primarily cash-based country.

But that’s also because I travel quite frequently, so I can actually utilise some of its strongest selling points.

Thirdly, and one I think that other wallets should’ve been doing already: BigPay offers me a breakdown of my spending habits as pictured above. So during periods where my budget is a little tight, or if you, like me, want to know exactly your money goes and when, then BigPay is able to offer a solution.

This way, its appeal is more than just services and rewards. It’s the basics of financial literacy. Now, if more Malaysian stores allowed me to use my card for transactions less than RM50 that would be great.

Sadly, BigPay has been rather quiet on the promotions front, so I do hope that the product will see continuous push and more marketing and promotions, because there’s definitely room for BigPay to grow from a travel e-wallet with a card to a local contender.

 

Razer Pay

So I’m mostly putting Razer Pay here because while the platform is pretty bare-bones now, I see a lot of potential. They’ve definitely got the merchants in Bangsar South down with their e-wallet, and you’ll see their signboards everywhere.

They’ve got plans to integrate their e-wallet with parking in Bangsar South, but a quick survey of individuals working there show that they are not quite implemented yet.

Razer is now working with Visa to ensure that the wallet will be usable anywhere there is a Visa terminal, which would open up usage. Razer has set up its fintech development headquarters in the same Bangsar South area, and based on the rumour mill, they’ve definitely hired some interestingly seasoned people to work there who add a measure of credibility to the platform.

Razer Pay is often seen an e-wallet that will only appeal to its existing base of gamers, and to a certain extent right now, that’s true. But I think they can be a lot more.


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