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Core Insights - The rapid adoption of AI payment solutions is transforming the payment industry, with Alipay's "AI Pay" achieving over 120 million transactions in just one week, making it the first AI-native payment product to surpass 100 million transactions globally [1][2] - Other major internet companies, such as JD.com, are entering the AI payment space, indicating a competitive landscape and a shift towards voice-activated payment solutions [1][2] Group 1: AI Payment Adoption - Alipay's "AI Pay" allows users to complete transactions through voice commands without navigating through multiple interfaces, streamlining the payment process [1][2] - The service has expanded its application scenarios through the Qianwen App, supporting various everyday services like food delivery, shopping, and travel bookings [1][2] Group 2: Industry Transformation - The integration of AI in payment systems is expected to create a new cycle of significant changes in the industry, moving towards a more seamless shopping and payment experience [2] - Analysts suggest that users will gradually adapt to conducting various commercial activities in an AI environment, potentially extending this model to offline payment scenarios [2] Group 3: Security Measures - Alipay has implemented a three-tier security system for "AI Pay," requiring users to manually authorize account binding upon first use, and verifying identity through facial recognition, fingerprints, or passwords during transactions [2] - Despite these security measures, there are still user concerns regarding trust, particularly around the initial authorization and agreement signing processes, indicating that widespread adoption may take time [2]