以新“四方模式” 共建世界级支付互联网络
Bei Jing Qing Nian Bao·2025-11-28 10:53

Core Insights - The signing of 11 multilateral cooperation memorandums for cross-border payments in Shanghai marks a significant step towards enhancing global payment connectivity and collaboration [1][3] - The new "four-party model" aims to create a more inclusive and open payment ecosystem, integrating various stakeholders such as wallet providers and mobile manufacturers [4][5] Group 1: Multilateral Cooperation - China UnionPay has established partnerships with 11 key institutions across different countries to facilitate cross-border payment cooperation [1] - The cooperation includes banks, payment networks, and non-bank payment institutions, aiming to create a seamless global payment network [1][3] Group 2: Global Payment Network - The initiative is part of a broader strategy to build a world-class payment interconnectivity network, benefiting millions of small and medium-sized enterprises globally [3][9] - The network aims to break down payment barriers, allowing merchants to access vast purchasing power without significant entry hurdles [3][9] Group 3: New "Four-Party Model" - The new model incorporates wallet institutions and aggregators, promoting a more inclusive approach to cross-border payments [4] - This model emphasizes collaboration with local institutions rather than attempting to replace them, focusing on mutual benefits [4][5] Group 4: AI in Payment Solutions - Artificial intelligence is being leveraged to enhance transaction efficiency and security in cross-border payments, significantly reducing the time for fraud detection and risk management [8][9] - AI technologies are being developed in collaboration with research institutions and industry partners to improve the overall payment process [9] Group 5: Open Payment Initiative - An "Open Payment Joint Initiative" was announced, emphasizing principles of openness, compatibility, and security among 72 participating institutions [7] - This initiative aims to foster a global payment network that shares value and promotes mutual growth [7]