花旗:首四個月信用卡銷售額持平 冀新卡盡吸The Club會員
香港花旗銀行信用卡及無抵押信貸業務主管李冠康表示,今年第一季受疫情影響,市況沒有年初時預計般好,不過今年1月至4月,該行信用卡總銷售額按年持平,較市場水平好,某些類別銷售額下跌,例如餐飲娛樂,不過網上和海外簽帳分別按年錄得雙位數增長。
該行超過90%客戶透過數碼渠道申請信用卡,電訊服務信用卡交易額按年增長近30%。李冠康期望,整體信用卡市場在下半年能有單位數增長,不過亦視乎當時市況。
李冠康指出,過去兩至三年失業率攀升的情況,均無反映在該行資產質素,形容目前資產質素穩健,另外本地息口未必和美國同步,而且香港流動性充裕,暫時沒有導致本地利率升幅大幅攀升,亦不見同行上調私人貸款定價。
李冠康指出,該行於2018年初透過開放API與合作夥伴推動數碼生態圈,目前有近30個API合作夥伴,包括香港電訊(06823.HK)。
香港電訊會員計劃、數碼營銷及數據科學部行政總裁崔智仁表示,The Club的300萬個會員中大部分爲活躍客戶,雖然消費券並非透過信用卡發放,但市民消費因而增加,令其網購平臺銷售額增長。
截至今年四月,該行憑積分消費已按年增長40%,佔整體積分兌換數量近三分之二。
花旗銀行、香港電訊旗下會員計劃及數碼業務The Club與Mastercard今日正式推出Citi The Club信用卡,回贈率達4%。李冠康指,該信用卡在4月邀請部分客戶優先申請,所有申請均在網上進行,三分之二客戶屬於女性,30至45歲客戶佔60%。他期望,信用卡可以儘量吸納The Club的會員,期望在該卡推出的第一年吸納The Club會員基礎的20%。
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