{"id":4517,"date":"2021-11-11T11:50:18","date_gmt":"2021-11-11T03:50:18","guid":{"rendered":"https:\/\/berniewong.net\/?p=4517"},"modified":"2022-10-30T07:32:51","modified_gmt":"2022-10-29T23:32:51","slug":"global-e-commerce-wave-of-flexible-payments","status":"publish","type":"post","link":"https:\/\/berniewong.net\/zh-hk\/global-e-commerce-wave-of-flexible-payments\/","title":{"rendered":"Global e-Commerce Wave of Flexible Payments"},"content":{"rendered":"<p class=\"wp-block-paragraph\">You may have heard of the term \u201cpay later\u201d being called out when riding the minibus. With the widespread use of electronic payment systems (EPS), payments are processed with a beep. If someone calls out &#8220;pay later,&#8221; the worry is if they do not intend to pay at all.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/berniewong.net\/zh-hk\/global-e-commerce-wave-of-flexible-payments\/#The_Online_Concept_of_Buy_Now_Pay_Later\" >The Online Concept of Buy Now, Pay Later<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/berniewong.net\/zh-hk\/global-e-commerce-wave-of-flexible-payments\/#More_Favorable_than_Credit_Card_Late_Fees\" >More Favorable than Credit Card Late Fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/berniewong.net\/zh-hk\/global-e-commerce-wave-of-flexible-payments\/#Break_the_Psychological_Barrier_of_Customer_Payments\" >Break the Psychological Barrier of Customer Payments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/berniewong.net\/zh-hk\/global-e-commerce-wave-of-flexible-payments\/#Stripe_x_Klarna_Accelerates_Growth\" >Stripe x Klarna Accelerates Growth<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/berniewong.net\/zh-hk\/global-e-commerce-wave-of-flexible-payments\/#Combine_with_Marketing_Automation_for_Maximum_Impact\" >Combine with Marketing Automation for Maximum Impact<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Online_Concept_of_Buy_Now_Pay_Later\"><\/span><strong>The Online Concept of Buy Now, Pay Later<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The concept of paying later online is becoming more and more popular. Other countries call it \u201cBuy Now, Pay Later.\u201d Some merchants in Hong Kong have taken the lead in adopting this practice. Such flexible payment services are not officially provided by banks. Instead, they are services provided by some platforms in cooperation with merchants as a form of business partnership.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"More_Favorable_than_Credit_Card_Late_Fees\"><\/span><strong>More Favorable than Credit Card Late Fees<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Such small online interest-free installment services target small orders across a wide array of products. It\u2019s not that one cannot afford to pay, but that there could be a psychological barrier if the entire amount has to be paid at once.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you use a credit card to pay in installments? Do you know that the interests on credit cards are ridiculously high? In terms of spreading payments out, the entire cost may be divided into three, which means that a product selling for $1000 works out to more than $300 per month for three months. While there is no interest levied on late repayments, there is a handling fee that will be charged. As such, if you plan carefully, doing so is much more favorable than incurring late fees on credit card payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Break_the_Psychological_Barrier_of_Customer_Payments\"><\/span><strong>Break the Psychological Barrier of Customer Payments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t underestimate the \u201cPay Later\u201d trend. Studies have shown that online stores increase their conversion rate by 30% upon offering \u201cbuy now, pay later\u201d options. In addition to overcoming the problem of prices being stuck, the unit price of each order has also increased by an average of 52%. This translates into more customer spending. So, such a <a href=\"https:\/\/berniewong.net\/zh-hk\/top-5-business-trends-in-2020\/\">trend<\/a> is not something worth underestimating.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Stripe_x_Klarna_Accelerates_Growth\"><\/span><strong>Stripe x Klarna Accelerates Growth<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Buy now, pay later will become increasingly widespread. Recently, an international company, <a href=\"https:\/\/stripe.com\/\">Stripe<\/a>, announced a partnership with <a href=\"https:\/\/www.klarna.com\/international\/\">Klarna<\/a>. It is offered among mid-priced products and services. Installments can only be provided by the merchants themselves. Hopefully, customers\u2019 credit cards or banks offer such installment plans eventually.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The speed and convenience of Stripe and Klarna&#8217;s installment payments directly address the two pain points that e-Commerce consumers face. Two more Singaporean companies in Hong Kong, <a href=\"https:\/\/www.atome.hk\/\">Atome<\/a> and <a href=\"https:\/\/www.hoolah.co\/hk-en\/\">Hoolah<\/a>, provide such a service, but the partnership between Stripe and Klarna will further accelerate the development and global popularity of buy now, pay later.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Combine_with_Marketing_Automation_for_Maximum_Impact\"><\/span><strong>Combine with Marketing Automation for Maximum Impact<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A complete <a href=\"https:\/\/social-stand.com\/taking-a-more-humanistic-approach-in-your-ecommerce-store-and-marketing\/\">e-Commerce<\/a> marketing strategy combines \u201cbuy first, pay later\u201d with marketing automation and <a href=\"https:\/\/social-stand.com\/facebook-announces-deal-with-kustomer-platform\/\">CRM<\/a>. Marketers often pay little attention to studying the consumption behavior of their e-Commerce <a href=\"https:\/\/berniewong.net\/zh-hk\/a-million-dollar-class-on-customer-personas\/\">customers<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine this: a customer puts a product in a shopping cart but leaves it there thinking that it may be impulse buying. Later on, the customer receives a follow-up email reminder about the product telling that it can be bought over three payments. This would surely rekindle the desire to purchase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Original Source<\/strong>: <a href=\"https:\/\/www.visiongo.hsbc.com.hk\/en\/article\/global-ecommerce-wave-of-flexible-payments\">https:\/\/www.visiongo.hsbc.com.hk\/en\/article\/global-ecommerce-wave-of-flexible-payments<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>You may have heard of the term \u201cpay later\u201d being called out when riding the minibus. With the widespread use of electronic payment systems (EPS), payments are processed with a beep. If someone calls out &#8220;pay later,&#8221; the worry is if they do not intend to pay at all. The Online Concept of Buy Now, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4518,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[33,62,61,27],"tags":[571,449,531,572],"class_list":["post-4517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-trends","category-content-marketing","category-digital-marketing","category-social-media","tag-flexible-payments","tag-growth","tag-impact","tag-online"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Flexible Payments in Global E-Commerce\uff5cTrends and Lessons<\/title>\n<meta name=\"description\" content=\"Explore the rise of flexible payments in global e-commerce, including buy now pay later, changing checkout expectations and the implications for online retailers seeking smoother customer journeys and 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