随着无现金经济日益普及，澳大利亚人会放心把钱交给初创企业吗？

F5最新研究显示，随着支付领域竞争持续，澳大利亚消费者认为安全警觉、信任和忠诚度至关重要

SYDNEY, AUSTRALIA – F5 Networks today announced new research showcasing that while Australians are moving towards a cashless economy, they remain divided when it comes to the future of payments. The study, The Changing Face of Payments & The Rise of the Cashless Economy, revealed over a third (34%) of Australians wouldn’t trust a startup with their money despite 58% of people using digital banking apps today.

The F5 research explores the intersection between traditional and digital transactions with 60% of Australians indicating their behavior will be guided by security. This builds on F5’s earlier Curve of Convenience survey, where 63% of Australian respondents emphasised valuing security over convenience.

Jason Baden, Regional Vice President, AN/Z of F5 Networks commented, “With a major shift to card and other digital payment methods, our payment landscape is shifting rapidly. However, as the research shows, Australians are still prioritising security in digital transactions. To compete with FinTechs, banks need to put customers at ease by leveraging emerging technologies that offer both security assurance as well as optimal experience. It’s much easier for the banks to invest in innovation, than for FinTech startups to convince consumers they can keep their money and data safe. It’s really the banks game to lose.”

When it comes to security, cash is perceived as more secure than card, with 57% of respondents placing their trust in cash and only 38% in card payments. However, despite security concerns, findings from the research suggest that the future of payments is cashless, with 46% of people only using cash once a week or less, and 34% of people carrying AU$20 or less in cash at any given time.

The study found cards are the most common form of payment for Australians and over a third would change where they spend money, based on whether the business offers card payments or not. This signals a wake-up call for businesses who either don’t accept card, or charge fees on card purchases. Baden went on to say, “Australia is already way out in front when it comes to using tap and go technology, and the digitisation of money gives FinTechs a boost as they can easily manage digital payments with only a fraction of the overheads of the big banks. Banks need to invest in innovation and shift the current model towards a digital cashless economy.”

研究还得出了以下主要洞察：

• 只有20%的人每年去银行一次或更少，而6%的人从不去银行
• 澳大利亚人开始意识到，未来他们选择传统金融机构办理银行业务的可能性将降低；16%的受访者表示，他们认为10年后将不再需要银行。
• 金融服务的未来将走向移动化，48%的人正在使用资金管理应用

关于本研究

F5委托全球洞察机构The Leading Edge对18至65岁的澳大利亚人开展在线调查，了解他们的支付习惯以及与银行的关系。调查于2018年7月4日至10日进行，共收到1,034份完整答卷。

关于F5

F5（NASDAQ: FFIV）帮助大型企业、服务提供商、政府机构和消费品牌提升应用的速度、智能化水平和安全性。F5提供云和安全解决方案，使组织能够采用所选的应用基础设施，同时兼顾速度和控制力。有关更多信息，请访问f5.com。还可以在Twitter上关注@f5networks，或访问F5的LinkedIn和Facebook页面，进一步了解F5、其合作伙伴和相关技术。

F5是F5 Networks, Inc.在美国及其他国家/地区的商标或服务标志。本文提及的所有其他产品和公司名称可能是其各自所有者的商标。

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