信用卡積分跨行共享 實現在望

(原文於2016年10月13日在香港經濟日報刊登)

credit_cards

圖片來源互聯網

假如有天甲銀行卡的客戶,可以換取乙銀行提供的贈品,這種情境是否很吸引?

以上景象也許很快實現。中國銀聯與IBM合作,利用區塊鏈技術 (Blockchain),開發跨行共享獎勵積分,並在9月剛舉行的上海區塊鏈國際周上即場示範。如開發順利,銀聯會員各行的紅利點,未來有機會通過交易系統轉換,對客戶更方便和吸引。

銀行信用卡積分優惠就像航空公司的免費里程,向來吸引消費者。然而一家銀行提供的換領贈品始終有限,令吸引力大打折扣。過去一家航空公司的航班有限,為此世界各地不同航空公司會合組航空聯盟,這樣給客戶選擇的航班便會大增。銀行間是否也能依樣葫蘆?

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Your Wallet: The Next Digital Battlefield

(This article originally appeared in the EJ Insight on Sep 2, 2014)

Hong Kong is rightly proud of the Octopus contactless card payment system. In 15 years it has gone from being used to pay for train and bus trips here to becoming Hong Kong’s ubiquitous electronic cash wallet, accepted by tens of thousands of retailers while also being the model closely followed by public transport operators in London and The Netherlands. Continue reading