蚂蚁集团CEO，最新发声！

Core Viewpoint - Ant Group's CEO, Han Xin Yi, emphasized the transition from digital payment to intelligent payment, aiming to bridge the "last mile" of AI services, focusing on the application of AI to enhance everyday life for the public [2][3]. Group 1: AI Application Focus - Ant Group has established a strategy for the next decade centered on "AI first," aiming to accelerate its transformation into the AI era, with a focus on life services, financial services, and healthcare services [2]. - The company is developing accessible life, financial, and healthcare management services for the public, leveraging AI to provide professional, personalized, and automated services [2][3]. Group 2: Payment Innovations - Han highlighted the need to innovate payment methods to adapt to the AI era, stating that traditional digital payment methods may not fully meet the needs of this new age [3]. - Ant Group has launched the first domestic payment MCP, exploring natural language payment interactions between intelligent agents [3]. Group 3: Cross-Border Payment Solutions - The trend from digitalization to tokenization is facilitating rapid cross-border payment settlements, with Ant Group's Alipay+ aiming to enable global travelers to use a single wallet [3]. - The company is exploring tokenization to achieve second-level settlements in cross-border payments, operating 24/7 and significantly reducing costs [3]. Group 4: R&D Investment and Challenges - Ant Group has invested over 10% of its revenue in R&D annually for the past three years, with a record investment of 23.45 billion yuan planned for 2024 [4]. - The company is advancing foundational technologies such as identity verification, security, and data elements to support the large-scale application of AI [4]. Group 5: Global Presence and Future Plans - Ant Group has established its global headquarters, digital technology center, and wealth center in Shanghai, committing to deepening its presence in the city while serving global markets [4].