当人工智能植入跨境支付｜2025中国经济半年报

Core Insights - The cross-border payment industry is undergoing unprecedented transformation driven by AI technology, global licensing expansion, and breakthroughs in RMB internationalization [2][3][4] Group 1: Industry Transformation - The application of AI technology is enhancing the efficiency and intelligence of cross-border payment systems, while reducing transaction costs and supporting the globalization of Chinese enterprises [2][3] - Major companies like LianLian Digital, Ant International, PingPong, Payoneer, and PayPal are leveraging technological innovations and licensing strategies to expand their global business boundaries [2][3] Group 2: Policy and Infrastructure - The global cross-border payment infrastructure is experiencing systematic upgrades, promoting more standardized, efficient, and transparent cross-border fund flows [4] - The implementation of the Hong Kong Stablecoin Regulation and the expansion of the RMB Cross-Border Payment System (CIPS) are significant developments that enhance the flexibility and efficiency of cross-border transactions [4] Group 3: AI Integration - AI has transitioned from a supportive tool to a key element in reconstructing the industry ecosystem, optimizing risk control, settlement, and user experience [6][7] - Companies are utilizing AI for fraud detection and transaction efficiency, with examples including Payoneer's use of machine learning to identify abnormal behaviors [7][10] Group 4: Licensing Expansion - The number and quality of licenses are critical indicators of a payment institution's globalization capabilities, with companies like PingPong and LianLian Digital actively acquiring licenses in various regions [10][11] - The licensing strategy is categorized into three tiers: entry-level licenses for legal compliance, operational licenses for localized services, and ecosystem licenses for comprehensive financial service systems [11]