当下，人类正努力打造“无现金社会”，助力支付向无钞化、便利化、科技化迈进。人们对美好生活的定义也由“重物质”向“高品质”转变，这一点在80、90后群体中尤为突出。千禧一代消费习惯趋于电子化，现金交易渐渐淡出历史舞台，信用卡、二维码和移动App形成支付的新三大主力。<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/1_d83088d97a.jpeg"></figure>1）提前消费成潮流据有关机构统计，信用卡以其按需消费的特性，成为最受消费者和商户喜爱的支付方式。持卡人可在自身信用额度内消费，在部分门店还能享受奖励、折扣、积分和优惠。同时在众多因素刺激下，持卡人往往会较为感性，冲动消费，进而给商户贡献更多利润。<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2_9544ea92db.jpeg"></figure>2）方寸之间见乾坤二维码支付保持快速发展势头。以新加坡为例，二维码支付在新加坡熟食中心(Hawker Centre)先行先试，并逐步推广到全国，无现金改革成效斐然。作为第一批吃螃蟹的人，中心商户主动淘汰传统POS机，统一接入二维码支付系统。消费者“多卡傍身”从此化作历史，一机尝遍新加坡美食成为可能。<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/3_2d2d175704.jpeg"></figure>3）天南海北不设限移动App支付增长动能强劲，“天涯若比邻”从诗境走进现实。从亲朋转账到商业收付款，越来越多的支付现实需求呼唤移动App支付入场。Google Pay等新型支付方式突破空间限制，并以其免费、便捷的优势，收获一批忠实用户。<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/4_d32ceb2006.jpeg"></figure>信用卡支付预计将坐实第一大无现金支付方式的宝座，但其收费问题依旧是商户的揪心事、烦心事。行业内需要采取行之有效的措施提升成本效益，在商户与消费者之间找到利益平衡点，寻求两者的最大公约数。

Cashless, Convenience, Contactless!Here's bringing you the three Cs of the cashless industry – all you can get in a single transaction of cashless payment.Doesn't it sound too good to be true?This is the status quo of the cashless agenda that society has dramatically sought after to change the way payments are made.The term “live and breathe cash”, may not apply to the tech-savvy minds of Gen Y anymore.<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/1_a135ac2f03.jpeg"></figure>So, if you are one of them who refuses to shuffle through ten-dollar cash bills continuously, then we are here to save the day.We have collated some of the trends that you can follow to make a better payment decision-making process.1) CREDIT CARDS FOR THE WIN<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/2_871e42ef56.jpeg"></figure>Oh, the sound of the card slicing through the payment machine - satisfying, isn't it?According to recent statistics, credit cards have topped the list because it holds the capacity for spending according to your needs.It is a convenient mode of payment and adored by both consumers and merchants alike in the industry.With just a swipe alone, wahla – you get to purchase your item with a specific credit limit you choose to live with.This gives one all the reasons to buy more, on top of the rewards it brings about to a consumer.When purchasing in stores, consumers will be entitled to rewards, special promotions, discounts and loyalty programmes.Although it may pose certain benefits to a customer, it brings about its share of challenges as well.One of them, namely – IMPULSE BUYING!This may prove to be beneficial for merchants as consumers are influenced to spend more than they can due to convenience.Ultimately, when customers use a credit card, it will fetch in more sales and profits!2) MORE THAN JUST A CONVENIENT MOBILE SWIPE<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/3_60f2afb262.jpeg"></figure>Next in line, is none other than QR Code payments.This trend is mostly adopted by merchants all over, especially in Singapore's context.As a good kick-start, hawker centres have felt the benefits of using the QR Code payment system in substitute for the POS (Point of Sale) machine.This helps to efficiently cut cost as merchants do not have to purchase it anymore.On the other hand, from a consumer's perspective – they do not have to bring around their physical credit cards as they can easily access their e-wallets.3) USING APPS TO FIT THE BILL<figure class="image image-style-align-center"><img src="https://strapi.uqpay.com/resources/4_f779d9ef96.jpeg"></figure>Nothing beats making payments from the comforts of your own home and while on the go!And all this with just a simple on-screen, mobile transfer between two different parties.Mobile applications are seen on the rise now due to the seamless payment integration process from a friend to friend, consumer or merchant and business to business.Take for instance; Google Pay is no shy friend to its user.This is a cashless payment option that can mutually benefit both a consumer and a merchant.Even better, anyone and everyone can use it for free!When it comes down to using the best cashless option to make a lucrative decision for your payment habits, it is good to stick to trends and its impact on both merchants and consumers.Although credit card payments may top the list of cashless payment options, its impacts on merchants do not transcend certain boundaries, such as credit card fees.While it benefits consumers alike, merchants usually face the brunt of business challenges.A better way to solve this will be to ensure uptake initiatives which can make the business more cost-effective.If you were a merchant, what would you do?Stay tuned to our next article to find out how a cashless society can brutally or successfully impact a merchant's business and a foolproof way to overcome them.

无现金支付的变与便