跨境支付便利深化，蚂蚁国际四大业务版图浮出水面

Group 1: Cross-Border Tourism Trends - South Korea is becoming a preferred destination for Chinese tourists, with outbound flight bookings to Korea increasing over 200% during the New Year period in 2026, and bookings to Seoul rising by 3.3 times year-on-year, the highest among destinations [1] - Hotel bookings in South Korea have also surged, with a year-on-year increase of over 240% as of December 1 [2] Group 2: Payment Trends and Innovations - Alipay+ has integrated with 21 electronic wallets and banking apps in South Korea, covering over 2 million merchants, primarily small and micro businesses, accounting for more than half of all merchants in Korea [3] - The number of transactions made by Alipay users in South Korea increased by 15% year-on-year, with Seoul being the most concentrated area for spending, while Jeju Island saw the fastest growth at 53% [3] - The health and beauty sector in South Korea experienced a 90% increase in transaction numbers and a 123% increase in payment amounts on the Alipay platform from January to November [4] Group 3: Market Dynamics and Consumer Behavior - The integration of Alipay+ has significantly boosted sales for local vendors, with a reported 626% increase in spending by overseas tourists at Myeongdong Night Market [4] - Korean tourists are also significant consumers in China, with a nearly 98% year-on-year increase in transaction numbers using major Korean e-wallets [5] Group 4: Ant Group's Strategic Developments - Ant Group's international operations are expanding, with a focus on cross-border payments, treasury management, scenario finance, and enterprise account management [6] - The company has established partnerships with over 40 major digital payment providers and QR code networks across 11 countries, covering more than 100 markets [6] - Ant Group's Bettr platform offers flexible, unsecured credit services to SMEs and individuals, with a loan approval rate of around 80% [7]