尽管拥有高额账户,但香港大多数数字银行用户都表示不满,初级使用率低。 Despite high account ownership, most digital bank users in Hong Kong express dissatisfaction and low primary usage.

2025年香港数字银行用户经验调查发现,24.1%的受访者对数字银行持负面看法,其中只有31.7%的人主要使用数字银行。 The 2025 Hong Kong Digital Banking User Experience Survey found that 24.1% of respondents have a negative view of digital banks, with only 31.7% using them primarily. 尽管如此,超过62.9%拥有数字银行账户。 Despite this, over 62.9% have digital bank accounts. 用户价值账户开户促销,但想要更好的安全、更高的存款率和较低的最低存款。 Users value account opening promotions but want better security, higher deposit rates, and lower minimum deposits. 为了提高使用率,数字银行需要改善用户经验和服务。 To boost usage, digital banks need to improve user experience and services.