Di Yi Cai Jing·2025-12-25 08:39Core Viewpoint - China Telecom's Yipay is focusing on building a dual-driven development model of "data technology + payment technology" to support the intelligent upgrade and sustainable transformation of modern industrial chains by 2025 [1] Group 1: Smart Regulatory Capabilities - Yipay is implementing a "penetrating regulation" system, named "Yufeng," which utilizes big data and AI to enhance compliance and risk management [2] - The "Yufeng" system addresses traditional management issues such as data silos and delayed responses, enabling real-time tracking of fund flows and identification of hidden transaction patterns [2] - The system has been successfully applied in over ten central state-owned enterprises, improving governance transparency and risk control effectiveness [3] Group 2: Domestic System Development - Yipay has developed the "Chenji" financial system, achieving 100% domestic production from hardware to software, ensuring the security of the technology supply chain [4] - The "Chenji" system supports high concurrency payment processing and disaster recovery, meeting the highest continuity requirements in the financial industry [4] - It integrates intelligent risk control as a core function, providing a comprehensive solution for financial management and transforming traditional functions into value creation centers [4] Group 3: Payment Technology Integration - Yipay is integrating its payment technology into various business scenarios, enhancing operational efficiency across industries [5] - In retail, the "Cloud Guard" solution combines AI and IoT to enable 24-hour smart operations, reducing labor costs and stimulating nighttime consumption [5] - The company is also enhancing payment convenience for foreign nationals in China by launching an international version of its app and supporting various foreign e-wallets [5]