匯豐調查:港人擅長網上投資 66%受訪者透過數碼渠道短期投資
匯豐一份調查顯示,近七成港人每年至少投資兩次,而新加坡則只有四成。近三分之二(66%)受訪港人透過個人電腦、手提電腦、平板或智能手機在網上進行短期投資。透過數碼渠道作長期投資和設立月供計劃的港人分別有超過七成(75%)和五成(56%)。
該行委託獨立調查公司YouGov在2020年4月以網上問卷形式共訪問了1,037名18歲或以上的香港成年人。香港銀行客戶日趨習慣使用數碼銀行服務,但大部分人仍傾向面對面和數碼科技方式使用銀行服務。調查同時顯示三成港人會親身申請信用卡或信用透支服務。約四成(37%)長線投資者表示會選擇分行或與投資顧問面談等傳統銀行渠道。
調查另顯示,只有61%受訪港人會透過手機應用程式查看帳戶餘額,較新加坡的75%為低。另僅一半(50%)港人會使用流動支付或轉帳,低於新加坡的67%,反映香港銀行客戶以數碼渠道處理日常理財未如新加坡普及。
匯豐亦稱,首五個月經數碼渠道進行的財富管理交易按年增長超過六成。該行手機開戶服務自去年12月推出以來,透過App提交開立戶口申請數字顯著增長,5月的申請數目按月增25%,超過九成新客戶均為40歲以下(93%)。
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