Digital payments and mobile wallets are reshaping e-commerce transactions 数字支付和移动钱包正在重塑电子商务交易
Digital payments and mobile wallets are reshaping e-commerce transactions
Malaysia’a economy has been growing steadily over the last 40 years and now the country is on the path towards becoming cashless. A study by Visa found that 70% of Malaysian consumers prefer digital payments over cash.
The adoption rate is quite high, with 50% using online banking and 40% creating digital wallets. The total transaction value of digital payments is expected to reach US $42.2 billion by 2028.
The most preferred mode of payment is Mobile banking apps. Previously, Malaysia was highly reliant on cash. However, movement control order (MCO) restrictions and financial incentives for going cashless have encouraged more consumers to turn to digital wallets.
Buy now pay later (BNPL) services are also widely gaining popularity among Malaysian consumers. A KPMG survey ound that about 28% of respondents have used BNPL in the last year. The highest usage was found in the age group of 25 to 34.
数字支付和移动钱包正在重塑电子商务交易
过去40年，马来西亚经济稳步增长，如今正迈向无现金化社会。根据Visa的研究，70% 的马来西亚消费者更偏好数字支付而非现金交易。
数字支付的普及趋势
📌 50% 的马来西亚消费者使用网上银行
📌 40% 创建了数字钱包
📌 预计到2028年，数字支付交易总额将达到 422 亿美元
📌 移动银行应用程序成为最受欢迎的支付方式
推动无现金交易的因素
过去，马来西亚对现金交易依赖度高，但以下因素加速了数字支付的普及：
✔ 行动管制令（MCO） 限制了现金支付的便捷性
✔ 政府和金融机构鼓励无现金交易并提供激励措施
✔ 移动支付技术的进步，提升了消费者的支付体验
"先买后付"（BNPL）模式迅速增长
📌 28% 的消费者在过去一年使用了BNPL（先买后付）服务
📌 25-34 岁 的年轻消费者群体是BNPL 的主要使用者
随着电子商务和移动支付的发展，数字钱包和BNPL服务将在马来西亚电商市场中扮演越来越重要的角色。
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