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size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160607937.png\" alt=\"\" class=\"wp-image-12586\" width=\"500\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160607937.png 915w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160607937-300x180.png 300w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160607937-768x461.png 768w\" sizes=\"(max-width: 915px) 100vw, 915px\" 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class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160651318.png\" alt=\"\" class=\"wp-image-12587\" width=\"500\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160651318.png 918w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160651318-300x204.png 300w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160651318-768x521.png 768w\" sizes=\"(max-width: 918px) 100vw, 918px\" 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src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160687145.png\" alt=\"\" class=\"wp-image-12588\" width=\"500\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160687145.png 912w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160687145-300x160.png 300w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160687145-768x409.png 768w\" sizes=\"(max-width: 912px) 100vw, 912px\" 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src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160714065.png\" alt=\"\" class=\"wp-image-12589\" width=\"500\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160714065.png 911w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160714065-300x191.png 300w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160714065-768x489.png 768w\" sizes=\"(max-width: 911px) 100vw, 911px\" \/><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<p><strong>\u4e94\u3001\u63d0\u4f9b\u201c\u5148\u4e70\u540e\u4ed8\u201d\u65b0\u578b\u6d88\u8d39\u65b9\u5f0f<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08 BNPL \uff09\u70ed\u6f6e\u6709\u589e\u65e0\u51cf\uff0c\u7279\u522b\u5bf9\u4e8e\u5e74\u8f7b\u4e00\u4ee3\u6d88\u8d39\u7fa4\u4f53\uff0c\u201c\u5148\u4e70\u540e\u4ed8\u201d\u63d0\u4f9b\u4e86\u53ef\u9884\u6d4b\u7684\u8d22\u52a1\u7075\u6d3b\u6027\u548c\u66f4\u7b80\u5355\u7684\u501f\u8d37\u6761\u6b3e\uff0c\u4e0d\u4ec5\u80fd\u4eab\u53d7\u5e97\u5185\u7684\u4f18\u60e0\u5238\u548c\u4fc3\u9500\u4f18\u60e0\uff0c\u8fd8\u80fd\u5145\u5206\u6ee1\u8db3\u201c\u5373\u4e70\u5373\u4eab\u53d7\u201d\u7684\u8d2d\u7269\u9884\u671f\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u636eeMarketer\u53d1\u5e03\u7684\u6570\u636e\u663e\u793a\uff0c\u52302026\u5e74Z\u4e16\u4ee3\u548c\u5343\u79a7\u4e00\u4ee3\u4e2d\u4f7f\u7528\u5148\u4e70\u540e\u4ed8\u7684\u5360\u6bd4\u5c06\u5206\u522b\u8fbe\u523053.6%\u548c59%<sup>4<\/sup>\u3002\u56e0\u6b64\uff0c\u7075\u6d3b\u7684\u652f\u4ed8\u9009\u9879\u670d\u52a1\u4e0d\u4ec5\u80fd\u591f\u6ee1\u8db3\u987e\u5ba2\u591a\u5143\u7684\u6d88\u8d39\u9700\u6c42\uff0c\u4f18\u5316\u8d2d\u7269\u4f53\u9a8c\uff0c\u66f4\u662f\u523a\u6fc0\u6d88\u8d39\u8d2d\u4e70\u6b32\u671b\uff0c\u63a8\u52a8\u9500\u552e\u989d\u589e\u957f\u7684\u4e00\u5927\u5229\u5668\uff0c\u672a\u6765\u5c06\u6210\u4e3a\u65f6\u4ee3\u4e3b\u6d41\u6d88\u8d39\u624b\u6bb5\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Oceanpayment\u4e3a\u5e2e\u52a9\u5546\u6237\u53d1\u73b0\u673a\u9047\u3001\u6293\u4f4f\u673a\u9047\uff0c\u4e00\u76f4\u81f4\u529b\u4e8e\u4e3a\u6d88\u8d39\u8005\u548c\u5546\u6237\u63d0\u4f9b\u4fbf\u6377\u3001\u7075\u6d3b\u7684\u652f\u4ed8\u65b9\u5f0f\uff0c\u76ee\u524d\u5df2\u8986\u76d6\u6b27\u6d32\u3001\u7f8e\u56fd\u3001\u5357\u7f8e\u3001\u4e1c\u5357\u4e9a\u7b49\u591a\u4e2a\u56fd\u5bb6\u548c\u5730\u533a\u672c\u5730\u6d41\u884c\u7684\u5148\u4e70\u540e\u4ed8\u652f\u4ed8\u65b9\u5f0f\uff0c\u4e3a\u8de8\u5883\u5546\u6237\u5e26\u6765\u4e86\u66f4\u9ad8\u7684\u8f6c\u5316\u7387\u3001\u66f4\u5e7f\u6cdb\u7684\u53d7\u4f17\u548c\u66f4\u4fbf\u6377\u7684\u7528\u6237\u4f53\u9a8c\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160738831.png\" alt=\"\" class=\"wp-image-12590\" width=\"500\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160738831.png 898w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160738831-300x161.png 300w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160738831-768x411.png 768w\" sizes=\"(max-width: 898px) 100vw, 898px\" \/><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<p><strong>\u516d\u3001\u63d0\u4f9b\u591a\u7ec8\u7aef\u79fb\u52a8\u652f\u4ed8\u65b9\u5f0f<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5e94\u5bf9\u73b0\u4ee3\u793e\u4f1a\u7684\u5feb\u8282\u594f\u751f\u6d3b\uff0c\u6280\u672f\u53d1\u5c55\u7b80\u5316\u4e86\u8d2d\u7269\u6d41\u7a0b\uff0c\u987e\u5ba2\u4e5f\u5e0c\u671b\u6709\u80fd\u4ee3\u66ff\u4f20\u7edf\u7ed3\u8d26\u4f53\u9a8c\u7684\u65b9\u5f0f\u3002\u901a\u8fc7\u652f\u4ed8\u8bbe\u5907\u6765\u83b7\u53d6\u4ea4\u6613\u4fe1\u606f\uff0c\u6ee1\u8db3\u987e\u5ba2\u201c\u5373\u4e70\u5373\u8d70\u201d<sup>5<\/sup>\u7684\u96f6\u552e\u6280\u672f\u5bf9\u4e8e\u6539\u5584\u8d2d\u7269\u4f53\u9a8c\u81f3\u5173\u91cd\u8981\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u76ee\u524d\uff0c\u4e3a\u4e86\u54cd\u5e94\u987e\u5ba2\u5bf9\u65b9\u4fbf\u3001\u5feb\u6377\u7684\u652f\u4ed8\u4f53\u9a8c\u9700\u6c42\uff0c\u79fb\u52a8\u652f\u4ed8\u5df2\u7ecf\u5e7f\u6cdb\u4e0b\u6c89\u878d\u5165\u81f3\u6d88\u8d39\u8005\u7684\u751f\u6d3b\u4e2d\uff0c\u7ebf\u4e0b\u63d0\u4f9b\u652f\u6301\u81ea\u52a9\u7ed3\u8d26\u4ead\u6216\u79fb\u52a8\u9500\u552e\u70b9\uff08 mPOS \uff09\u7b49\u591a\u79cd\u7ec8\u7aef\u7684\u79fb\u52a8\u652f\u4ed8\u8bbe\u5907\uff0c\u5728\u5e2e\u52a9\u987e\u5ba2\u5feb\u901f\u5b8c\u6210\u652f\u4ed8\u64cd\u4f5c\u7684\u540c\u65f6\u80fd\u5e2e\u52a9\u5546\u6237\u8282\u7701\u6210\u672c\u3002\u6570\u636e\u663e\u793a\uff0c\u65b0\u578b\u79fb\u52a8\u652f\u4ed8\u8bbe\u5907\u5df2\u4e3a\u7ebf\u4e0b\u5b9e\u4f53\u5e97\u589e\u957f\u4e86 82% \u7684\u65b0\u9500\u552e\u989d\uff0c\u540c\u65f6\u8fd8\u964d\u4f4e\u4e86 81% \u7684\u7ed3\u8d26\u6392\u961f\u7387\uff0c\u4ece\u800c\u63d0\u9ad8\u4e86\u5ba2\u6237\u6ee1\u610f\u5ea6\uff0c\u964d\u4f4e\u4e86\u4ea4\u6613\u5931\u8d25\u7387<sup>6<\/sup>\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160769787.png\" alt=\"\" class=\"wp-image-12591\" width=\"500\" srcset=\"https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160769787.png 914w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160769787-300x128.png 300w, https:\/\/www.oceanpayment.com\/cn\/wp-content\/uploads\/2023\/09\/1694160769787-768x327.png 768w\" sizes=\"(max-width: 914px) 100vw, 914px\" \/><\/figure><\/div>\n\n\n<p><\/p>\n\n\n\n<p><strong>\u4e03\u3001\u5ef6\u957f\u5546\u5e97\u8425\u4e1a\u65f6\u95f4<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4e0d\u540c\u987e\u5ba2\u6709\u7740\u4e0d\u540c\u7684\u65f6\u95f4\u8ba1\u5212\u4e0e\u8d2d\u7269\u504f\u597d\uff0c\u6709\u4e9b\u4eba\u559c\u6b22\u5728\u7e41\u5fd9\u65f6\u6bb5\u5185\u8d2d\u7269\uff0c\u6709\u4e9b\u4eba\u5219\u559c\u6b22\u5728\u5546\u5e97\u4eba\u6d41\u7a00\u5c11\u65f6\u8fdb\u884c\u8d2d\u7269\u3002\u5546\u6237\u901a\u8fc7\u5ef6\u957f\u8425\u4e1a\u65f6\u95f4\u6216\u5b89\u6392\u5408\u9002\u7684\u8425\u9500\u63a8\u5e7f\u65f6\u95f4\uff0c\u8ba9\u987e\u5ba2\u5728\u53ef\u652f\u914d\u7684\u65f6\u6bb5\u5230\u5e97\u8d2d\u7269\uff0c\u5e76\u901a\u8fc7\u4f7f\u7528\u79fb\u52a8\u652f\u4ed8\u7ec8\u7aef\u51cf\u5c11\u56e0\u5ef6\u957f\u5546\u5e97\u8425\u4e1a\u800c\u4ea7\u751f\u7684\u4eba\u5de5\u6210\u672c\uff0c\u5728\u63d0\u5347\u9500\u552e\u989d\u540c\u65f6\u589e\u52a0\u5ba2\u6d41\u91cf\u3002&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4f34\u968f\u7740\u5168\u7403\u6d88\u8d39\u8005\u7684\u8d2d\u7269\u4e60\u60ef\u3001\u6e20\u9053\u8425\u9500\u548c\u652f\u4ed8\u573a\u666f\u7684\u6f14\u53d8\uff0c\u901a\u8fc7\u8fd9\u4e03\u79cd\u65b9\u5f0f\uff0c\u5546\u5bb6\u80fd\u591f\u66f4\u9ad8\u6548\u5730\u6ee1\u8db3\u987e\u5ba2\u5bf9\u670d\u52a1\u7684\u8981\u6c42\uff0c\u66f4\u597d\u5730\u5438\u5f15\u987e\u5ba2\u91cd\u56de\u5546\u5e97\u8fdb\u884c\u6d88\u8d39\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Oceanpayment\u4e0d\u65ad\u8ffd\u6c42\u4ee5\u878d\u5408\u4fc3\u53d1\u5c55\u7684\u670d\u52a1\u7406\u5ff5\uff0c\u914d\u5408\u5168\u65b0\u7684\u96f6\u552e\u751f\u6001\uff0c\u4e3a\u5546\u6237\u63d0\u4f9b\u7b26\u5408\u6d88\u8d39\u9700\u6c42\u7684\u7ebf\u4e0a+\u7ebf\u4e0b\u591a\u79cd\u652f\u4ed8\u573a\u666f\u3001\u591a\u79cd\u7ec8\u7aef\u8bbe\u5907\u7684\u5168\u7403\u6570\u5b57\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\u548c\u670d\u52a1\uff0c\u53ca\u65f6\u6ee1\u8db3\u987e\u5ba2\u5feb\u6377\u3001\u4fbf\u5229\u8d2d\u7269\u7684\u4f53\u9a8c\u9700\u6c42\uff0c\u63d0\u4f9b\u6e20\u9053\u95f4\u65e0\u7f1d\u8854\u63a5\u7684\u8d2d\u7269\u4f53\u9a8c\uff0c\u4e3a\u5546\u6237\u7684\u7a33\u5b9a\u589e\u957f\u592f\u5b9e\u57fa\u7840\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>\u53c2\u8003\uff1a<\/p>\n<cite>[1] Insider Intelligence eMarketer, February 2022.&nbsp;Spotlight on total global retail: Brick-and-mortar returns with a vengeance. Viewed May 2022<br>[2] MarTech, February 2022.&nbsp;What is Customer Experience and Why Does It Matter?<br>[3] 451 Research, January 2022. Global Merchant &amp; Consumer Payments Survey: Key Findings. Viewed 3 April 2022<br>[4] eMarketer,Pay&nbsp;Later (BNRL) User Penetration by Generation . 2022 &amp;2 026<br>[5]&nbsp;Aite Novarica, January 2022.&nbsp;Top 10 Trends in Retail Banking &amp; Payments. Viewed 3 April 2022<br>[6] 451 Research, January 2022. Global Merchant &amp; Consumer Payments Survey: Key Findings. Viewed 3 April 2022<\/cite><\/blockquote>\n\n\n\n<p><\/p>\n\n\n\n<p>\u672c\u6587\u5185\u5bb9\u5f52\u53d1\u73b0\u00ae\u5168\u7403\u7f51\u7edc\u6240\u6709\uff0c\u5e76\u7531Oceanpayment\u7f16\u8f91\u53d1\u5e03\u3002\u6587\u4e2d\u6240\u542b\u4fe1\u606f\u65e8\u5728\u4f9b\u5408\u4f5c\u4f19\u4f34\u4f7f\u7528\uff0c\u5e76\u4e0d\u6784\u6210\u4efb\u4f55\u4e13\u4e1a\u5efa\u8bae\u6216\u670d\u52a1\u3002<\/p>\n\n\n\n<p>The information provided herein is owned by Discover\u00ae Global Network and issued by Oceanpayment. It is intended for use by multiple partners and for informational purposes, and is not intended as a substitute for professional advice.<\/p>\n\n\n\n<p>\u8bf7\u6d4f\u89c8&nbsp;<a href=\"http:\/\/insights.discoverglobalnetwork.com\">insights.discoverglobalnetwork.com<\/a>&nbsp;\u4e86\u89e3\u5168\u7403\u652f\u4ed8\u6700\u65b0\u8d8b\u52bf\u3002<\/p>\n\n\n\n<p>Visit <a href=\"http:\/\/insights.discoverglobalnetwork.com\">insights.discoverglobalnetwork.com<\/a>&nbsp;to stay up-to-date on global payments trends.<\/p>\n\n\n\n<p>\u8bf7\u6d4f\u89c8&nbsp;www.oceanpayment.com\/cn\/insights&nbsp;\u4e86\u89e3\u66f4\u591a\u5168\u7403\u6570\u5b57\u652f\u4ed8\u6700\u65b0\u8d44\u8baf\u3002<\/p>\n\n\n\n<p>For&nbsp;more&nbsp;information&nbsp;about&nbsp;global&nbsp;digital&nbsp;payments,&nbsp;&nbsp;please&nbsp;visit&nbsp;our&nbsp;website&nbsp;at:&nbsp;<a href=\"http:\/\/www.oceanpayment.com\/cn\/insights.\">www.oceanpayment.com\/cn\/insights.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u901a\u8d27\u81a8\u80c0\u3001\u6d88\u8d39\u4f4e\u8ff7\u7684\u5927\u73af\u5883\u80cc\u666f\u4e0b\uff0c\u6d88\u8d39\u590d\u82cf\u9010\u6e10\u6210\u4e3a\u5168\u7403\u7ecf\u6d4e\u590d\u82cf\u7684\u91cd\u8981\u9a71\u52a8\u529b\uff0c\u636e\u6570\u636e\u7edf\u8ba1\uff0c\u9884\u4f30\u81f32025\u5e74\uff0c\u5168\u7403\u5b9e\u4f53\u5e97\u7684\u9500\u552e\u603b\u989d\u9884\u8ba1\u4e0a\u5347&nbsp;2.6%&nbsp;\u5230&nbsp;3.4%1\uff0c\u6d88\u8d39\u8005\u5f00\u59cb\u91cd\u56de\u7ebf\u4e0b\u6d88\u8d39\uff0c\u5b9e\u4f53\u5e97\u91cd\u83b7\u9752\u7750\u3002 \u4f46\u662f\u5982\u4f55\u624d\u80fd\u5728\u7ebf\u4e0b\u6e20\u9053\u89e6\u8fbe\u66f4\u5e7f\u6cdb\u7684\u6d88\u8d39\u4eba\u7fa4\uff0c\u5168\u65b9\u4f4d\u5438\u5f15\u6d88\u8d39\u8005\u91cd\u8fd4\u5b9e\u4f53\u5e97\u5462\uff1f\u5546\u6237\u53ef\u4ee5\u901a\u8fc7\u4ee5\u4e0b7 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