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为何企业必须在数字支付领域赢得新加坡X世代的信任

为推动国家的数字化宏图，这一关键群体必须迈向无现金化

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    • X世代对创新支付解决方案的谨慎态度，为新加坡的数字经济愿景带来了挑战。
    • X世代对创新支付解决方案的谨慎态度，为新加坡的数字经济愿景带来了挑战。 图片来源：商业时报资料图

    Safdar Khan

    Published Tue, Nov 18, 2025 · 04:24 PM

    本文由AI辅助翻译

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    据估计，新加坡数字经济的商品交易总额 (GMV) 将从2024年的290亿美元，增长至2030年的400亿至650亿美元之间。

    然而，在这种普遍的乐观情绪中，新加坡有一个世代群体却是个例外，仍在影响着增长。万事达卡新支付指数 (Mastercard New Payments Index, NPI) 显示，虽然过去一年里有92%的新加坡人使用过新兴的数字支付方式，但只有42%的X世代消费者愿意选择使用数字钱包和二维码等新支付方式，而非较为传统的支付方式。

    这种不情愿的态度尤为明显。在越南，这一群体中有73%的人对新支付方式持开放态度，泰国和印度尼西亚的这一比例则均为58%。在社交电商的采用率方面，差距同样显而易见：新加坡只有15%的X世代偏好通过社交应用购物，而泰国和越南的这一比例均超过50%。

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