支付环节作为消费场景的“最后一公里”，其便捷性和舒适性一直是优化消费体验的最佳切入点。传统支付模式下，收银台前“人从众”的“罚站”众生相频频上演；点不清零钱的尴尬局面让消费者感叹数学永远是场梦魇。为纾解支付环节痛点，无现金支付应运而生，将停滞不前的排队长龙扫进历史的回收站。消费者从此告别钱包，只需挥一挥手机，便可瞬间完成支付。<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/1_99a78680f0.png"></figure>人类社会已吹响挺近无现金化的号角，作为无现金社会的重要组成部分，成熟的电子支付产品具有以下特点：培养用户粘性，反哺支付发展。普通产品上市后，往往面临用户群体扩容的考验，而支付App作为特殊的生活工具类产品，轻轻松松就度过了落地生根的阶段。实际上，消费者很容易把享受到的便利放大，产生对支付App等优质产品的长期依赖，进而固化成使用习惯。如今，“无现金社会”在新加坡已初现雏形。电子钱包在当地广泛普及，支付App成为多数消费者的“掌上必备”，电子化交易蔚然成风。<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2_84312cc529.png"></figure>丰富激励手段，培育市场主体。提升用户粘性需要使用习惯的引领，但也离不开奖励举措的支撑。当下不少App结合自有的支付功能推出积分活动，用户通过支付集满一定积分后，即可兑换各类优惠券。这种活动模式在加速用户习惯养成的同时，也从侧面提高用户的体验感和获得感、树立消费信心，做到“两手抓、两不误”。<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/3_b0945b7a40.png"></figure>让利促销也是激励用户的重要法宝，且比积分兑换更具吸引力。比如在新加坡的熟食中心（hawker centre），消费者购买一定金额的食物后，扫描商户银行App上展示的二维码完成支付就能享受优惠。电子钱包产品用户的使用心理受多种因素制约，“习以为常”是主流，“优惠至上”是趋势，但关键还是用户的偏好和购买力。当前，电子钱包产品如雨后春笋，多方力量进驻市场，尽管产品名目繁多、鱼龙混杂，但你追我赶、优胜劣汰的行业现状为行业充分发展创造了前提，也为消费者支付提供更多可能。&nbsp;

The Trend Towards A Cashless SocietyWhat's it like living in a cash-free world? Now, this is something to more than ponder.With a swipe of your smartphone and voila, you've just made a speedy transaction without actually having to take your wallet out.This is only the icing on the cake!<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/1_226d60362e.png"></figure>Customers tend to seek out the most comfortable and convenient way of doing things.When they shop, they expect shorter queues at the check out point and faster modes of payments.Cashless payments, per se, can certainly give you this!1) CONVENIENCE MAKES FOR HABITConvenience of Cashless PaymentsPractically, when customers experience the ease to use something, they immediately feel that it is convenient enough for them.This is when they believe they can use it in the long run, only because it makes life easier.What fuels this?HABIT.Recent imminent trends in Singapore has shown that many customers are glued to cashless payment applications out of habit simply because of the many e-wallets they own!This has led to the nation gradually growing into a cashless society, as almost every transaction is made electronically.<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2_e1b7bbc5ce.png"></figure>2) RAINING WITH REWARDSRewards That Go A Long WayApart from habit, the only other thing that customers like are rewards.Rewards come from loyalty point programmes where they get access to unlimited deals such as food vouchers, sales, budget travels, cheap entertainment as well as a caricature of shopping offers.One such good example will be private riding hire services, which offers cashless payments to customers. The accumulation of a certain number of points, will give customers access to a variety of free or cheap deals.The point system creates a lock-down approach to retain customers into constantly using the application for cashless payments.As customers feel motivated to earn more points, they will automatically gain trust in the application. This is better than using an application out of habit, as customers feel the need to have an incentive to gain the most out of their cashless payments.Another good scenario is when rewards are complemented by promotions.Just like a double dose of happiness!You will be surprised with the many wallet service providers using this method to not only pull in customers but gain their loyalty by giving them value for their money spent.<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/3_a7f0a262ce.png"></figure>3) DISCOUNTS THAT COUNTIt's All About The DiscountOn the other hand, just like how a sale can make ladies go GAGA, promotions are what make the customer attuned to cashless payments. They are next in line to likely kick loyalty programmes out of the league or if possible, even complement them.One of the first retailers to render this service is none other than the hawker centres in Singapore.Earlier in August this year, many hawker centres have offered to give discounts to customer's food bills after spending a certain amount of money. To get the full discount, all they have to do is simply scan a QR code on a mobile application that is owned by a bank.As a concluding note, it seems that most customers are influenced mainly by habit when they use cashless payment applications which they not only favour but are also loyal to.But nothing beats trending cashless payment initiatives such as promotions – where customers are instantly attracted by the offer!The truth of the matter though – it ultimately depends on the customer's preference and purchasing power at the impulsive moment of decision.Also, since there are so many amazing wallet service providers laid out for the customer, it brings about an invisible clutter, which may be confusing.So what's next then?It's all about figuring out which wallet service provider is the best for you!&nbsp;

“无现金化”趋势下的电子钱包特点与用户心理