专访林海峰：腾讯如何理解跨境支付业务

Core Insights - The article discusses the challenges and innovations in cross-border payment systems, emphasizing the need for seamless user experiences across different countries and payment methods [2][3][4]. Group 1: Cross-Border Payment Challenges - Cross-border payments face issues such as inconsistent standards, user experience discrepancies, and varying regulatory requirements across countries [2][3]. - Tencent's cross-border payment strategy focuses on three main areas: inbound payments, outbound payments, and cross-border remittances, all aimed at simplifying user experiences [3][4]. Group 2: Technological Innovations - Tencent has improved the payment success rate by 30% and reduced verification times to seconds through initiatives like binding foreign cards to WeChat Pay [4][5]. - The company has established a "Unified Gateway" for cross-border QR code payments, allowing foreign e-wallets to scan domestic QR codes, enhancing user convenience [5][7]. Group 3: Industry Collaboration - Tencent collaborates with various international wallets and payment services, such as PayPay in Japan, to enhance cross-border payment experiences for users [7][9]. - The company has partnered with over 40 wallets and supports payments in 74 countries, indicating a strong commitment to expanding its cross-border payment network [7][9]. Group 4: Cost Efficiency - Tencent's optimization of remittance processes has reduced average exchange costs from approximately 3% to around 1%, providing significant savings for users [9][11]. - The focus on refining service details can unlock new value in payment services, enhancing success rates and user convenience [9][11]. Group 5: Future Infrastructure - The future of cross-border payments lies in efficiently connecting existing payment networks rather than rebuilding them, aiming for a global, low-cost, real-time payment system [11][12]. - Open collaboration is essential in the complex field of cross-border payments, as no single entity can meet all user needs [11][12]. Group 6: AI in Payment Security - AI is being utilized to identify and prevent potential fraud and risk transactions in cross-border payments, with Tencent operating nearly 1,500 models for this purpose [12][13]. - The development of a "body model" for payment systems is proposed to enhance fraud detection and risk management [12][13]. Group 7: Wealth Management - In wealth management, AI is being leveraged to provide users with timely and relevant information, enhancing the overall user experience [13][14]. - The integration of AI in financial services aims to balance professional depth with a personalized touch, reshaping the wealth management landscape [13][14].