全球领先的新经济产业第三方数据挖掘与分析机构
关于“分期付款”的报告
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艾媒报告 |3.15消费者权益调查报告消费金融行业篇
2018年中国居民人均可支配收入达到28228元，同时居民消费构成发生了改变。消费金融产品普及率逐步提升。中国消费金融行业高速发展的同时暗藏着危机，2018年仅21CN聚投诉平台消费者相关有效投诉量就达到了31.5万件，成消费者投诉的重灾区。同时，负面舆情频出，网贷平台暴力催收、网贷平台爆雷等违规事件对于用户使用消费金融行为产生了影响。iiMedia Research(艾媒咨询)数据显示，消费金融因免息、折扣和便捷性俘获较多用户，但58.8%用户认为消费金融平台存在隐瞒使用风险的问题。同时，提升信息安全成为用户主要诉求。面对负面舆情，消费金融相关企业应该建立舆情预警机制，提升口碑。
The per capita disposable income of Chinese residents reached 28228 yuan in 2018, while the composition of residents ' consumption changed. The penetration rate of consumer financial products has gradually increased. China's consumer finance industry rapid development at the same time hidden crisis, 2018 only 21CN gathering complaints platform consumer related effective complaints reached 315,000 pieces, into the disaster area of consumer complaints. At the same time, the negative public opinion is frequent, the network loan platform violent Collection, the network loan platform blasting and other violations have the influence to the user to use the consumer finance behavior. According to iiMedia Research, consumer finance captures more users because of interest-free, discounts and convenience, but 58.8% of users believe there is a problem with consumer financial platforms concealing the risk of use. At the same time, improving information security has become the main demand of users. Facing the negative public opinion, the consumer finance related enterprise should establish the public opinion early warning mechanism, enhances the word of mouth. -
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艾媒报告|2019中国刷脸支付技术应用社会价值专题研究报告
本报告研究设计企业/品牌/案例：支付宝
2019年上半年移动支付交易规模达166.1万亿，在移动支付市场规模逐渐扩大以及人脸识别技术发展渐趋成熟的背景下，刷脸支付开始崭露头角。iiMedia Research(艾媒咨询)数据显示，预计2022年中国刷脸支付用户规模将超7.6亿人。刷脸支付的发展以及普及，对于用户、商家以及社会有着重要价值。对于用户而言，刷脸支付省时、便捷、体验好和能实现信息与交易安全保障。iiMedia Research(艾媒咨询)数据显示，受访用户对在流程耗时、便利程度、支付体验、交易安全和信息安全五个方面对刷脸支付的满意度分别为8.1、7.3、7.3、7.1和7.0，高于其他非现金支付方式的满意度。对于商家来说，刷脸支付赋能商家的经营发展，帮助他们改善排队效率、提高顾客好评率、提高竞争力和增加客流。九成的受访商家认可接入刷脸支付后，顾客排队效率和顾客好评的提升。刷脸支付的发展同时也带动着上下游产业的发展，促进硬件制造商、传感器制造商等新产业新职业就业的发展，为社会带来巨大价值。
In the first half of 2019, the transaction scale of mobile payment reached 166.1 trillion yuan. In the context of the gradual expansion of the mobile payment market and the gradual maturity of face recognition technology, the face-scanning payment has begun to emerge. As the data of iiMedia Research showed, it is estimated that the scale of users of face-scanning payment in China will exceed 760 million in 2022. The development and popularity of face-scanning payment is of great value to users, corporate and society. For the user, the face-scanning payment saves time, is convenient, and ensures information and transaction security. As the data of iiMedia Research showed, the respondents' satisfaction with the face-scanning payment in terms of spending time, convenience, payment experience, transaction security and information security are 8.1, 7.3, 7.3, 7.1 and 7.0, higher than other non-cash payment methods. For merchants, the face-scanning payment empowers their management, helping them improve queue efficiency, improve customer feedback, improve competitiveness and increase customer flow. Ninety percent of the surveyed merchants recognized the increase in customer queuing efficiency and customer praise after accessing the face-scanning payment. The development of the face-scanning payment also drives the development of upstream and downstream industries, and promotes the development of new occupations and employment in new industries such as hardware manufacturers and sensor manufacturers, bringing great value to the society. -
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