Group 1 - The core finding of the survey indicates that 24.1% of respondents have a poor impression of digital banks, and only 31.7% consider digital banks as their primary accounts, highlighting challenges in user adoption and the dominance of traditional banks [1] - 62.9% of respondents own a digital bank account, with a higher ownership rate of 66.3% among those aged 18-49, and 50% among those aged 50 and above, indicating a significant penetration of digital banking among younger demographics [1] - More than half (54.2%) of respondents have held their digital bank accounts for over two years, yet only 31.7% use them as their main accounts, suggesting low usage frequency despite some market penetration [1] Group 2 - The most valued service among respondents is the account opening incentives offered by digital banks, with 33.5% highlighting this, and over half (52.6%) finding these incentives more attractive than those from traditional banks, indicating effective promotional strategies [2] - Approximately 23.0% of respondents consider savings services as the most valuable offering from digital banks, but over half (53.2%) believe traditional banks better meet their savings needs, reflecting a gap in trust and core financial service satisfaction [2] - As of the end of 2023, digital banks have approximately 2.2 million deposit customers, but their overall market share in Hong Kong's retail banking sector remains low at about 0.3%, suggesting room for growth in customer engagement and service utilization [2]
调查：24%受访者对数字银行印象差 仅3成用户首选为主要账户
Zhi Tong Cai Jing·2025-07-02 07:26