责任编辑：刘明亮 凯投宏观经济学家Andrew Kenningham在一份报告中称，数字欧元可能在2029年前推出，但存在需求过 弱或过强的风险。"需求疲软将限制其降低欧洲对美国支付系统依赖的作用。" 他表示，强劲的需求可能导致破坏稳定性的存款从银行体系流出，不过，提议的个人持有上限应会减轻 这一风险。 凯投宏观经济学家Andrew Kenningham在一份报告中称，数字欧元可能在2029年前推出，但存在需求过 弱或过强的风险。"需求疲软将限制其降低欧洲对美国支付系统依赖的作用。" 他表示，强劲的需求可能导致破坏稳定性的存款从银行体系流出，不过，提议的个人持有上限应会减轻 这一风险。 他表示，虽然数字欧元将是欧元区支付架构的一项重大创新和变革，但这不会消除美国稳定币市场增长 带来的风险。决策者已暗示，以美元计价的稳定币可能对欧洲家庭有吸引力，从而可能降低欧元相对于 美元的需求。 责任编辑：刘明亮 他表示，虽然数字欧元将是欧元区支付架构的一项重大创新和变革，但这不会消除美国稳定币市场增长 带来的风险。决策者已暗示，以美元计价的稳定币可能对欧洲家庭有吸引力，从而可能降低欧元相对于 美元的需求。 ...

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在数字支付持续演进的浪潮中，一个值得思考的命题是：支付工具的价值，究竟应如何衡量？或许，答 案不仅在于技术的迭代速度，更在于其能否真正理解并服务于人的真实需求——跨越场景的阻隔，包容 多样的选择，并最终融入生活的脉络。 伴随着中国数字经济的澎湃步伐，在产业各方、合作伙伴与亿万用户的共同参与、塑造与检验下，银联 手机Pay的实践与演进，为我们理解当代支付工具如何从一项功能进化为一种服务生态，提供了一个真 切的观察窗口。 繁荣共生的合作伙伴生态：构建开放包容的技术底座 科技发展的终极目标是普惠。在移动支付领域，普惠意味着尊重市场上所有品牌与机型的用户，保障他 们平等享受前沿支付科技的权利。 2026年1月9日，银联国际与三星电子将基于"卡码合一"手机Pay方案推出联合支付服务。合作落地后， 境外居民在三星手机上绑定银联卡，即可灵活选择使用手机NFC支付或二维码支付。不止三星，银联手 机Pay始终坚持"生态中立"与"广泛兼容"的开放策略，与华为、vivo、OPPO、小米、魅族等国内外主流 安卓手机厂商均建立了深度合作关系。这意味着，中国市场上绝大多数安卓智能手机用户，在拿起手机 的那一刻，就已经拥有了使用银联手机P ...

Core Insights - Visa has announced support for Chinese cardholders to link their Visa cards to Apple Pay, enabling payments in various scenarios such as overseas merchants, mobile apps, and online websites [1][4] - Currently, 79% of global offline transactions are conducted via contactless payment methods [1] Group 1: Payment Process - Users can add their Visa card to Apple Pay by opening the Wallet app on their iPhone, tapping the plus sign, and following the prompts to link to their bank app [4] - Once the card is added to devices like iPhone, Apple Watch, and iPad, users can immediately start using Apple Pay [4] - Each Apple Pay transaction requires security verification through Face ID, Touch ID, or device password, ensuring secure payment processing [1] Group 2: User Benefits and Promotions - Cardholders will continue to enjoy the same rewards and benefits as with their physical cards, with Visa introducing initial binding promotions and discounts for travel and overseas living scenarios [4] - The first batch of supporting banks includes major institutions such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others, with more banks expected to join in the future [4]

Core Viewpoint - Starting from January 15, China Bank Visa credit card holders can use Apple Pay for convenient payments at overseas merchants, mobile apps, and online websites, marking a significant step in expanding digital payment ecosystems and cross-border financial services [1] Group 1: Payment Features - In-store payments can be completed by double-clicking the side button on an iPhone or Apple Watch, allowing for contactless transactions with a unique dynamic security code generated for each transaction [2] - Online payments on iPhone and iPad using Apple Pay eliminate the need to repeatedly enter card numbers and addresses, streamlining the checkout process [2] Group 2: Security and Privacy - Apple Pay prioritizes security and privacy, with actual card numbers not stored on devices or Apple servers. Instead, a unique Device Account Number is generated and securely stored in the device's Secure Element [3] Group 3: Card Setup and Integration - Users can easily add their China Bank Visa credit card to Apple Wallet by opening the iPhone Wallet app and following prompts, or directly through the China Bank app [4] Group 4: Promotional Offers - From January 15 to March 31, 2026, users who successfully bind Apple Pay and meet conditions for overseas spending may receive a cashback of 100% on the transaction amount, applicable to travel, study abroad, and daily cross-border consumption [5] - Additional benefits such as first-time binding offers and transportation scene discounts can be accessed through the Visa "V享臻选" WeChat mini-program [6]

1月15日金融一线消息，Visa今日宣布支持中国持卡人 ApplePay绑卡。Visa将与Apple一起，支持中国持 卡人将Visa卡绑定至ApplePay，并在境外的线下商户、移动app或线上网站等多种场景进行支付。目 前，全球79%的线下交易来自"一拍即付"。 Visa中国区总裁尹小龙表示："全球数字支付飞速发展的同时，消费者对基于手机的、互联互通的移动 支付方式的需求也与日俱增。一直以来，Visa致力于为中国持卡人提供多元的支付选择，让他们无论身 处何地，都能安心自在地畅享支付之旅。此次，Visa秉持着对中国市场和持卡人长期不变的承诺，在数 据安全与支付安全领域加大投入，推出支付标记化服务并率先实现其在跨境场景的应用。我们很高兴与 Apple及金融机构携手，率先为中国持卡人带来更安全、更便捷的移动支付新体验。" 首批支持的发卡银行包括：中国工商银行、中国银行、中国农业银行、交通银行、招商银行、中信银 行、平安银行及兴业银行。Visa和Apple正在与包括上海浦东发展银行、中国建设银行、中国民生银 行、中国光大银行在内的更多银行伙伴紧密合作，相关功能将于未来陆续上线。 责任编辑：王馨茹 Visa中国区总裁 ...

60多位知名经济学家致信欧洲议会，呼吁在银行业游说压力下捍卫"数字欧元"计划，以保卫欧洲货币主 权。 1月11日，据英国《金融时报》报道，超过60位著名经济学家向欧盟立法者发出紧急呼吁，要求全力支 持"数字欧元"项目。他们警告称，如果该计划失败，欧元区将面临"失去对自己货币控制权"的风险，并 进一步加深对美国支付巨头的依赖。 包括法国知名学者Thomas Piketty在内的68位签署者在致欧洲议会议员（MEPs）的公开信中直言，强大 的公共数字欧元并非"可有可无"，而是欧洲主权、稳定和韧性的"基本保障"。这封信于上周五发出，旨 在影响下周举行的欧洲议会听证会。 经济学家们指出，目前欧元区有13个国家缺乏本土数字支付选项，完全依赖Visa、Mastercard和PayPal 等"国际卡组织"。他们警告称，这种过度依赖将使欧洲暴露在"地缘政治杠杆、外国商业利益和超出欧 洲控制的系统性风险"之下。 经济学家们写道："欧洲将失去对我们经济中最基本要素——货币——的控制。一个稳健的公共数字欧 元是我们唯一的防线。" 签署者包括法国的Eric Monnet、德国的Jan Pieter Krahnen和伦敦的Daniel ...

据阿联酋通讯社年1月6日报道，迪拜自由区委员会主席谢赫·艾哈迈德·本·赛义德见证财政部与该委 员会签署谅解备忘录，旨在推动数字支付和无现金战略。协议聚焦政府协同、数据共享和金融科技应 用，加快向全面数字化交易生态系统转型，巩固迪拜全球数字城市地位。 （原标题：财政部与迪拜自由区委员会推进无现金战略） ...

Core Insights - The Apple Card will now be issued by JPMorgan, but Apple assures users that there will be no changes to their experience [1][4] - The transition marks a significant shift in the credit card landscape, with JPMorgan solidifying its position as the leading credit card issuer in the U.S. [3] Group 1: Company Transition - The Apple Card was previously managed by Goldman Sachs since its launch in 2019, but the company has been looking to divest from consumer products [2] - The card features a unique design with no number on the front and the user's name etched in metal, integrating physical and virtual payment methods [2] Group 2: JPMorgan's Position - JPMorgan is the top U.S. credit card issuer in 2024, with over $1.344 trillion in purchase volume, marking its sixth consecutive year in this position [3] - The acquisition of the Apple Card is expected to bring over $20 billion in estimated card balances to JPMorgan's Chase platform [3] Group 3: Financial Implications - Goldman Sachs anticipates a 46 cents per share increase in its 2025 fourth-quarter earnings due to the transaction, despite some offsetting losses [5] - The transaction will involve a release of $2.48 billion in loan loss reserves, countered by a reduction in net revenues of $2.26 billion related to the credit card loan portfolio [5]

Core Viewpoint - From January 1, 2026, digital yuan wallet balances will earn interest based on current deposit rates, marking a transition from "digital cash" to "digital deposit currency" in China [2][3] Group 1: Digital Yuan Transition - The People's Bank of China will be the first central bank to pay interest on its digital currency, enhancing user willingness to adopt digital yuan and expanding its usage scenarios [2] - Major state-owned banks, including ICBC, ABC, CCB, BOC, PSBC, and BOCOM, will implement interest payments on digital yuan wallets, aligning with current deposit rates [3] - This shift signifies a move from version 1.0, which functioned as "digital cash," to version 2.0, which will operate as "digital current deposits" with core functions including value measurement, value storage, and cross-border payments [3] Group 2: Characteristics of Digital Yuan - Digital yuan is a legal tender issued by the People's Bank of China, designed to support a broad account system and allow for a loose coupling with bank accounts [6] - It does not pay interest, aligning with its classification as M0, similar to physical cash [10] - Digital yuan offers low operational costs, as there are no fees for exchange or circulation services [12] - Transactions using digital yuan are settled immediately, enhancing efficiency [14] - It incorporates controllable anonymity, protecting personal information while preventing illegal activities [16] - Security features include digital certificates, signatures, and encryption to ensure transaction integrity and prevent fraud [17] - Digital yuan is programmable through smart contracts, allowing for automated transactions under agreed conditions [19] Group 3: Comparison with Third-Party Payment Systems - Digital yuan is a state-backed legal currency that merchants cannot refuse, unlike third-party payment systems [21] - It does not incur any transaction fees and supports offline transactions [21] - Third-party payment systems may charge fees and require internet access, limiting their usability [23] Group 4: Benefits of Digital Yuan - The issuance cost is reduced as there is no need for physical currency production [25] - It aids in combating illegal activities through transaction data tracking [27] - Digital yuan facilitates the internationalization of the renminbi, making cross-border transactions more efficient [29] Group 5: Usage Scenarios - Digital yuan can be used in various sectors, including transportation, shopping, dining, healthcare, cultural tourism, and online platforms [31] - It has established a comprehensive application model across multiple fields, integrating both online and offline payment capabilities [31]