Core Insights - The article discusses the evolution of cross-border payment systems in China, highlighting the shift from outbound payments by Chinese consumers to facilitating inbound payments for foreign visitors and supporting Chinese enterprises in international transactions [1][3][5] - The growth of cross-border payment demand is driven by increased international exchanges, the rising recognition of Chinese goods and services abroad, and the feasibility of exporting domestic technological expertise [2][4] Group 1: Current Landscape of Cross-Border Payments - Chinese payment institutions are actively working to create a seamless payment experience for both outbound Chinese consumers and inbound foreign visitors [1][3] - In major cities like Shenzhen, Hong Kong, and Singapore, Chinese tourists can easily use local payment platforms, while foreign visitors can link their wallets or international cards to Chinese payment systems [1][2] - The current cross-border payment ecosystem is evolving to address the complexities of both individual and enterprise needs, with a focus on enhancing user experience and operational efficiency [3][4] Group 2: Innovations and Developments - Recent innovations include Tencent's launch of the "Global Cashier" service, which aims to streamline the payment process for foreign users in China by allowing them to use familiar payment methods [4][5] - The "Unified Cross-Border QR Code Gateway" is being developed to standardize payment processes across different countries, facilitating easier transactions for foreign visitors [6][8] - AI technology is being integrated into payment systems to enhance security and user experience, significantly reducing fraud rates and improving transaction efficiency [9] Group 3: Market Dynamics and Future Outlook - The market for cross-border payments is characterized by a competitive landscape where large state-owned banks primarily serve large enterprises, while third-party payment providers target small and medium-sized businesses [5][6] - The anticipated future of cross-border payments includes a reduction in the perception of cross-border transactions, making them as simple as domestic payments [2][7] - The collaboration among various payment platforms and institutions is essential for expanding the overall market and enhancing transaction volumes [7][8]

文｜柒财经 腾讯又交出了一份"稳如老狗"的业绩答卷。 财报显示，2025年第三季度，公司营收达1,928.69亿元，较上年同期增加256.76亿元，增幅15%；归母净利润为631.33亿元，较上年同期增加近100亿元，增 幅19%。 其中，金融科技及企业服务（以下简称"金科及企服"）板块实现收入581.74亿元，同比提升10%，贡献了营收的三成。 | 九月三十日 九月三十日 九月三十日 九月三十日 九月三十日 | | | --- | --- | | 二零二五年 二零二四年 收入 | 二零二五年 二零二四年 佔收入總額百分比 | | 増值服務 | 95,860 | 82,695 | 16% | 50% | 49% | | --- | --- | --- | --- | --- | --- | | 管銷服務 | 36,242 | 29,993 | 21% | 19% | 18% | | 金融科技及企業服務 | 58,174 | 53,089 | 10% | 30% | 32% | | 其他 | 2,593 | 1,416 | 83% | 1% | 1% | | 本集團 | 192,869 | 167,193 | ...

智通财经APP获悉，2025年11月19日当天，小米集团-W(01810)、阿里巴巴-W(09988)、腾讯控股(00700) 位居沪港通（南向）成交额前3位，成交额分别为63.43 亿元、43.48 亿元、23.65 亿元；小米集团- W(01810)、阿里巴巴-W(09988)、中芯国际(00981) 位居深港通（南向）成交额前3位，成交额分别为 42.35 亿元、28.43 亿元、14.45 亿元。 沪港通（南向）十大活跃成交公司 | 公司名称 | 成交金额 | 净买入额 | | --- | --- | --- | | 小米集团-W(01810) | 63.43 亿元 | +21.60 亿元 | | 阿里巴巴-W(09988) | 43.48 亿元 | +9.52 亿元 | | 腾讯控股(00700) | 23.65 亿元 | -8.03 亿元 | | 中芯国际(00981) | 15.48 亿元 | +1.45 亿元 | | 赣锋锂业(01772) | 10.71 亿元 | +1374.86 万元 | | 华虹半导体(01347) | 10.55 亿元 | +2.04 亿元 | | 盈富基金(0280 ...

21世纪经济报道记者 曹媛 新加坡报道 "你觉得未来的跨境消费、支付是什么样子？" "未来，大家购物将弱化国界感知，只要商品符合需求，无论来自国外还是本地都能便捷购买；跨境汇 款也会变得极度轻便，像在微信里发一句'早上好'一样简单。"腾讯金融科技副总裁洪丹毅如是说。 近年来，一系列顶层设计、市场举措都在印证上述判断，并加速"无国界感知"的跨境支付发展：如从推 广外卡内绑与外包内用、到央行指导建设的"跨境二维码统一网关"、再到腾讯推出的"小程序全球收银 台""全球收款"等。 在跨境支付市场竞争日趋激烈的当下，腾讯凭借微信生态协同优势和金融科技能力，加速布局全球。近 日，洪丹毅接受21世纪经济报道专访，解读跨境支付行业发展趋势、腾讯业务布局及AI技术对支付领 域的变革影响。 朝着"无国界感知"方向发展 洪丹毅：腾讯跨境支付主要涵盖三大垂直板块：一是跨境汇款，如支持全球用户将资金汇至微信账户， 包括微信余额及绑定的银行卡；二是跨境消费，既覆盖境外人士来华消费，也包含中国用户出境游涉及 的消费交易；三是跨境商贸服务，支持中国出海企业，比如国内企业在虾皮、亚马逊等海外电商平台交 易，我们为其提供综合收款服务、海外资金合 ...

Core Insights - The future of cross-border consumption and payment is expected to diminish the perception of national boundaries, allowing users to purchase goods easily regardless of their origin, and making cross-border remittances as simple as sending a message [2][4] - Tencent is leveraging its WeChat ecosystem and financial technology capabilities to accelerate its global expansion in the increasingly competitive cross-border payment market [2][4] Industry Trends - The core driving factors for the growth of cross-border payment include increased communication between China and other countries, rising market demand, and the growing acceptance of Chinese goods and services abroad [4] - Future cross-border payments will integrate AI and mini-programs to create a more intelligent and seamless user experience, aiming for a "WeChat global payment ecosystem" [4][5] Business Segments - Tencent's cross-border payment business is divided into three main segments: cross-border remittances, cross-border consumption, and cross-border trade services [6][7] - Cross-border remittances allow global users to transfer funds to their WeChat accounts, while cross-border consumption includes transactions for both foreign visitors in China and Chinese users traveling abroad [7] Market Challenges - The main challenges in expanding into different countries include cultural differences, regulatory environments, and varying technological infrastructures [7] - Tencent adopts a "1+1+1" cooperation model, combining its technological capabilities with local financial institutions and major brands to overcome these challenges [7] Recent Developments - Since the resumption of cross-border consumption post-pandemic, Tencent has expanded its WeChat Hong Kong dollar wallet to support payments across millions of merchants in mainland China [9][10] - The company has also engaged in the construction of a "cross-border QR code unified gateway," allowing foreign users to pay using their local wallets without needing to install WeChat [10] Competitive Advantages - Tencent's significant advantage lies in its vast user base of over one billion WeChat users, which facilitates partnerships with merchants and institutions [11] - The integration of WeChat's ecosystem, including public accounts and mini-programs, enhances Tencent's value proposition in the cross-border payment space [11] Solutions for Businesses - Tencent has launched solutions like TenPay Global and Tencent Smart Goose to support cross-border e-commerce, providing comprehensive payment services and compliance management for businesses [12] AI Integration - AI technology plays a crucial role in Tencent's cross-border payment operations, particularly in risk identification and enhancing user experience [14] - The company has achieved a fraud rate of approximately one in a million, significantly lower than the overseas average, by utilizing AI for risk management [14]

Core Insights - The article discusses the evolution of cross-border payment systems in China, highlighting the shift from outbound spending by Chinese consumers to facilitating inbound payments from foreign visitors and supporting Chinese businesses operating abroad [1][3][9] Group 1: Cross-Border Payment Developments - Chinese payment institutions are actively working to create a seamless cross-border payment experience, allowing both Chinese citizens abroad and foreign visitors in China to use familiar payment methods [1][2] - The People's Bank of China has been promoting initiatives such as binding foreign cards for domestic use and establishing a unified cross-border QR code gateway to enhance payment connectivity [2][11] - The total amount of RMB cross-border payments is projected to reach 52.3 trillion yuan in 2023 and 64.1 trillion yuan in 2024, with a year-on-year growth rate exceeding 20% [3] Group 2: User Experience and Pain Points - While cross-border payment options are expanding, challenges remain, such as foreign users wanting to use their domestic wallets in China without needing to download additional apps [1][5] - In Singapore, local consumers face issues with completing payments through WeChat mini-programs, indicating a gap in the payment process that needs to be addressed [5][10] - Tencent has launched the TenPay Global service to streamline the payment process for foreign users in Chinese establishments, aiming for a seamless order and payment experience [6][10] Group 3: Business Expansion and Competition - Chinese companies expanding overseas face complex payment needs, with considerations including security, transaction speed, service fees, and currency support [7] - Large state-owned banks dominate the cross-border payment market, primarily serving large foreign trade enterprises, while third-party payment providers target small and medium-sized businesses and cross-border e-commerce [7][8] - Tencent's Zhihui E-commerce service supports various overseas platforms, providing compliant fund collection, currency exchange, and withdrawal services for Chinese sellers [7] Group 4: Future Vision and Infrastructure - The vision for cross-border payments is to create a "no-sense" payment experience, where users can transact without feeling the complexities of cross-border transactions [9][12] - The establishment of a unified cross-border QR code gateway is seen as a crucial infrastructure development to facilitate smoother transactions for foreign visitors in China [11][12] - The collaboration among various payment institutions is essential for expanding the overall market scale and enhancing transaction volumes [13] Group 5: Role of AI in Cross-Border Payments - AI technology is being utilized to enhance security and user experience in cross-border payments, with Tencent employing deep learning for risk identification [15] - AI can also optimize payment processes, making them more user-friendly and efficient, potentially transforming consumer behavior in e-commerce transactions [15]

南向资金净买入65.91亿港元，小米集团-W、阿里巴巴-W、南方恒生科技净买入额位列前三，分别获净 买入23.94亿港元、20.96亿港元、6.67亿港元。净卖出方面，盈富基金、中国移动、腾讯控股分别遭净 卖出14.84亿港元、1.32亿港元、1.04亿港元。 ...

腾讯控股(00700)发布公告，于2025年11月19日，该公司斥资6.36亿港元回购101.8万股股份，每股回购 价格为619.5-630.5港元。 于2025年11月19日，根据于2023年5月17日采纳的2023年购股权计划行使购股权1.3万股。 ...

于2025年11月19日，根据于2023年5月17日采纳的2023年购股权计划行使购股权1.3万股。 智通财经APP讯，腾讯控股(00700)发布公告，于2025年11月19日，该公司斥资6.36亿港元回购101.8万股 股份，每股回购价格为619.5-630.5港元。 ...

格隆汇11月19日丨腾讯控股(00700.HK)发布公告，2025年11月19日耗资6.36亿港元回购101.8万股，回购 价格每股619.5-630.5港元。 ...