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匯豐:數碼理財工具「個人預算」用戶逾180萬名
阿思達克 12-29 15:57
匯豐銀行表示,今年初在流動理財應用程式HSBC HK App上推出數碼理財工具「個人預算」,至今已有超過180萬名用戶,爲讓用戶更瞭解自己的消費習慣,從而更妥善理財,匯豐向客戶推出個人化的「2022年個人年度消費回顧」,透過追蹤及分析客戶過去一年的消費數據及習慣,揭示用戶最喜愛的三大娛樂、餐飲及時尚等品牌。 匯豐指,綜合個人預算所有用戶的消費數據,顯示年輕一代的消費力驚人,其中28歲至34歲的年輕用戶平均支出高達50,600元;23歲至27歲用戶平均支出則爲27,200元,差距接近一倍。至於35歲至44歲、45歲至54歲及55歲至64歲用戶羣的平均支出分別是73,400元、83,100元及74,200元。 用戶數據亦顯示,男性用戶整體上於節日時的平均餐飲開支比女性用戶高40%,而女性用戶日常平均購物開支則比男性用戶高10%。另外18歲至44歲用戶的整體開支以購物開支佔比最高,介乎39%至48%;45歲至64歲用戶則以消閒娛樂及旅遊開支佔比最高,介乎45%至54%。 匯豐香港區財富管理及個人銀行業務客戶及市場策劃主管許長虹指,該行以大數據及人工智能開發「個人預算」功能,爲客戶仔細分析日常開支,從而將理財融入日常生活。
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