互联互通，共建共赢：银联助力“一带一路”在中东走深走实

Core Viewpoint - The article emphasizes the significant role of UnionPay in enhancing the financial infrastructure and digital payment capabilities in the Middle East, driven by the Belt and Road Initiative and the global digital economy's evolution [1][14]. Group 1: Development of UnionPay's Network in the Middle East - UnionPay's acceptance network in the Middle East has been steadily improving, covering 15 countries, with full acceptance achieved in the UAE, Qatar, Turkey, and Pakistan [2][3]. - The expansion includes millions of contactless and QR code terminals, facilitating the widespread use of flash payments and QR codes, thus becoming a vital channel for local residents and tourists [2][5]. - In Turkey, millions of merchants support UnionPay payments, with over one million contactless terminals established, covering major tourist cities and essential consumer scenarios [5]. Group 2: Localized and Innovative Approaches - UnionPay's strategy in the Middle East involves deep collaboration with local financial institutions and fintech companies, enhancing the sustainability of regional payment systems [7]. - In Pakistan, UnionPay has partnered with over 20 local banks, issuing tens of millions of cards, making it the second-largest card brand in the country [7]. - The introduction of a multi-currency UnionPay debit card in November 2025 will support transactions in five currencies, enhancing cross-border payment convenience [8]. Group 3: Cross-Border Payment Network Enhancement - UnionPay is actively building cross-border clearing capabilities and network interoperability in the Middle East, providing stable financial infrastructure for regional cooperation [11]. - A strategic cooperation agreement with Turkey's national switching network in November 2025 aims to promote QR code interoperability, marking a significant milestone in cross-border payment collaboration [11]. Group 4: Internationalization and Strategic Importance - UnionPay's efforts in the Middle East reflect its broader internationalization strategy, having established a network covering 183 countries and regions [13]. - The Middle East serves as a crucial hub for connecting Asia, Europe, and Africa, presenting strategic opportunities for UnionPay amid deepening economic ties between China and Middle Eastern countries [14][15]. - UnionPay's approach of integrating with local financial systems and promoting shared standards and technologies is seen as a key differentiator in global competition [15].