勃力得,郎溪县,易趣网首页
common theoretical foundations internationally, and as Hong Kong is one of the most advanced users of banking technology in Asia, the results in Hong Kong would be somewhat typical of many other industrialized countries. The findings should be useful in enhancing our knowledge about users’ needs and concerns of EFTPoS and in improving the EFTPoS vendor’s promotional efforts. The discussions should be of considerable interest to bank marketers, information technology planners, retailers, general consumers and researchers who are interested in the further development of electronic fund transfer systems. Development of EFTPoS in Hong Kong The greatest boost in local EFTS came from the widespread use of ATMs in Hong Kong. Hong Kong Comparisons between traditional forms of payment and electronic systems with their inherent perceived risks by customers are detailed. Customers’ Risk Perceptions of Electronic Payment Systems International Journal of Bank Marketing, Vol. 12 No. 8, 1994, pp. 26-38 © MCB University Press Limited, 0265-2323 Simon S.M. Ho and Victor T.F. Ng CUSTOMERS’ RISK PERCEPTIONS OF ELECTRONIC PAYMENT SYSTEMS 27 ranked fourth in the world in terms of ATMs per 10,000 people and ranked 13th in terms of cards per 10,000 people in 1985 (Ho, 1991). With over 2,000 ATMs in Hong Kong serving about 3.5 million ATM cardholders (including 1.5 million credit cards), and with daily transactions for each ATM amounting to 1,000 per day while the international average is just 7,000 per month, Hong Kong probably boasts the highest ATM usage rate in the world (Ho, 1991). Apparently the rapid adoption of credit cards and ATMs provided some evidence that consumers in Hong Kong could accept other new electronic banking ideas easily. The introduction of another new but similar electronic banking service seems to be a logical development; hence the launch of EFTPoS. An EFTPoS system allows a customer to pay for goods and services at the merchant’s location by transferring funds from the customer’s bank account to the shop’s account immediately. Any ATM cardholder with a personal identification number (PIN) can effect an EFTPoS transaction without any prearrangements with the bank. For credit card holders, credit card checking and over-credit limit referral can also be accepted by the same EFTPoS terminal. In principle, in shops which accept credit cards and EFTPoS, shoppers are offered the choice of purchase on cash, credit or online payment with no payment charge. Such retail EFTPoS systems have been tried in countries such as France, Canada, the USA, the UK, Belgium and Holland. Nevertheless, only a few systems in these |
