腾讯洪丹毅：跨境支付将朝着“无国界感知”方向发展

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 remittances as simple as sending a message [1][2] - The rapid growth in cross-border payment demand is driven by increased interactions between China and other countries, along with the growing acceptance of Chinese goods and services abroad [2][6] - Tencent is leveraging its WeChat ecosystem and financial technology capabilities to accelerate its global payment strategy, aiming to create a seamless payment experience integrated with AI and mini-programs [1][4] Industry Trends - Cross-border payment is evolving towards a "borderless perception," where users will not need to consider the source of products, and remittances will become extremely convenient [2][3] - AI is anticipated to play a significant role in transforming payment methods, with potential applications in e-commerce transactions where AI can assist users in selecting products and completing payments seamlessly [2][9] Business Segments - Tencent's cross-border payment business is divided into three main segments: cross-border remittance, cross-border consumption, and cross-border trade services [4][6] - The cross-border consumption segment has seen significant growth post-pandemic, with initiatives like the WeChat Hong Kong dollar wallet facilitating payments for Hong Kong users in mainland China [6][7] Competitive Advantages - Tencent's primary competitive advantage lies in its vast user base of over one billion WeChat users, which provides a solid foundation for partnerships with merchants and institutions [8] - The company has introduced solutions like TenPay Global and Tencent Smart Goose to support cross-border e-commerce, offering comprehensive payment services and compliance assistance for businesses [8][9] AI Integration - Tencent has been applying AI technologies in its cross-border payment operations for a long time, focusing on risk identification and fraud prevention, achieving a fraud rate significantly lower than the industry average [10] - AI is also utilized in customer service for cross-border remittance, providing users with real-time information on exchange rates and transaction progress [10]