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Core Viewpoint - Leading payment institutions Alipay and WeChat Pay are actively exploring innovative payment products in the mobile payment sector, focusing on biometric identification technology to enhance payment experiences [1][2]. Group 1: Innovations in Payment Technology - WeChat Pay has introduced iris XR technology, combining high-security iris recognition with extended reality (XR) devices for seamless and secure identity verification and payment services in mixed reality environments [1]. - Alipay has partnered with Rokid to launch smart glasses payment, allowing users to complete payments directly through smart glasses, enhancing convenience in situations where using a mobile phone is impractical [1]. Group 2: Market Trends and User Adoption - Alipay's "Tap to Pay" feature, launched last year, has rapidly gained popularity, with over 100 million users and deployment in more than 400 cities across China [2]. - The competitive landscape among payment institutions is intensifying, prompting companies to innovate in wearable and contactless payment solutions to capture new market segments [2]. Group 3: Policy and Industry Implications - The Chinese government is encouraging payment institutions to transition towards functionality, security, and inclusivity, as outlined in the March 2024 policy document aimed at optimizing payment services [2]. - Innovations in mobile payment products are seen as a means to enhance financial service quality, improve accessibility for special groups, and support the global competitiveness of China's mobile payment technology [3].