东南亚无现金消费用户情况（英文）

RISE OF THE DIGITALLY ENGAGED CONSUMER A Visa ReportDisclaimerCase studies, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. You should consult with your legal counsel to determine what laws and regulations may apply to your circumstances. The actual costs, savings and benefits of any recommendations or programs may vary based upon your specific business needs and program requirements. By their nature, recommendations are not guarantees of future performance or results and are subject to risks, uncertainties and assumptions that are difficult to predict or quantify. Visa is not responsible for your use of the information contained herein (including errors, omissions, inaccuracy or non-timeliness of any kind) or any assumptions or conclusions you might draw from its use. Visa makes no warranty, express or implied, and explicitly disclaims the warranties of merchantability and fitness for a particular purpose, any warranty of non-infringement of any third party’s intellectual property rights. To the extent permitted by applicable law, Visa shall not be liable to a client or any third party for any damages under any theory of law, including, without limitation, any special, consequential, incidental or punitive damages, nor any damages for loss of business profits, business interruption, loss of business information, or other monetary loss, even if advised of the possibility of such damages.ALL BRAND NAMES AND LOGOS ARE THE PROPERTY OF THEIR RESPECTIVE OWNERS, ARE USED FOR IDENTIFICATION PURPOSES ONLY, AND DO NOT IMPLY PRODUCT ENDORSEMENT OR AFFILIATION WITH VISACONTENTSForeword .............................................................Building Cashless Societies ............................. Retail in Southeast Asia .................................... • Shift from Bricks to Clicks • The Online Experience The On-demand Economy .............................. • On-demand categories • Impact on adoption of mobile payment 46-89-1617-2122-3030The Mobile Internet ............................................ • Digital commerce • Mobile banking in Southeast Asia • Alternative payment methods References ............................................................FOREWORD A NEW WORLD ORDER WHERE CONSUMER EXPERIENCE WILL TAKE CENTRE-STAGEThe number of digital consumers in Southeast Asia has reached a staggering 200 million, representing a US$50 billion digital economy1. This colossal growth presents an opportunity for a new form of consumerism, one where the consumer experience is of utmost importance.The way we shop and pay for our purchases is evolving at great pace. The influx of technology and innovation has rewritten the rules of engagement in commerce. To understand more about these changes and how consumers are thinking about payments,