AI技术降9成跨境盗刷风险，“电子钱包守护者联盟” 来了

Core Insights - The People's Bank of China is guiding the establishment of a unified cross-border QR code gateway, with Ant Group as one of the first pilot institutions [1] - Ant International has launched the "Digital Wallet Guardian Partnership" to enhance cross-border payment security through AI technology, successfully intercepting 90% of account theft during trial runs [1][2] - The global transaction volume processed by Ant International is expected to exceed $1 trillion in 2024, supported by AI technology [3] Group 1 - The unified gateway aims to facilitate cross-border payments and enhance security for international travelers in China [1] - The AI SHIELD system significantly reduces cross-border payment risks and supports the vision of seamless travel across China [1][2] - The partnership includes major electronic wallets from Asia, creating a comprehensive risk management network for online and offline transactions [2] Group 2 - The "Digital Wallet Guardian Partnership" provides a full compensation plan for unauthorized transactions, with AI systems improving approval efficiency by 90% and accuracy over 95% [2] - The Asia-Pacific region leads in electronic payment adoption but also faces high rates of fraud, necessitating advanced security measures [1][2] - AI security is becoming a prerequisite for fintech innovation, with potential annual losses from AI security vulnerabilities estimated at $57 billion globally [3]