在全球经济不确定性加剧的背景下，新兴市场特别是亚太地区跨境企业面临多重金融服务挑战：本地支付壁垒高企、全球流动性割裂、多市场资金管理能 见度下降。特别是对于广大中小型企业，这些障碍不仅制约其市场拓展，更拉大了与大型跨国企业的竞争差距。 时势迫人，经过移动支付、超级应用这两个成长阶段，金融科技产业需要加速定义自己的3.0时代。 蚂蚁国际首席执行官杨鹏在2025年新加坡金融科技节指出，今日本地区金融科技的核心使命，不仅是连接交易，更是让所有市场和所有企业能克服不可避 免的长期动荡，获得"经济增长的真实驱动力"和"过去仅属于跨国企业的全球触达能力"。 破碎、不稳定、地区和体系壁垒林立的跨境支付长期以来是全球化的关键瓶颈。蚂蚁国际聚焦于推进公私营部门和跨领域合作，在不同地区和新旧支付体 系之间建立纽带，形成一个合规协同、低摩擦、高效率的全球支付生态，以此为起点逐步弥合不同商业生态间的鸿沟。 在促进数字账户的连接上，蚂蚁国际业务旗下 全球整合钱包网关服务Alipay+ 已与全球40家主流电子钱包和10多个国家二维码网络建立合作，覆盖100多 个市场。通过标准化接口，全球超过1.5亿商户无需逐一适配各国支付系统，即可无缝 ...

Core Insights - The core mission of fintech in the Asia-Pacific region is to connect transactions and enable all markets and enterprises to overcome long-term disruptions, achieving true economic growth and global reach previously reserved for multinational corporations [2][4]. Group 1: Financial Services Challenges - Emerging markets, particularly in the Asia-Pacific region, face multiple financial service challenges, including high local payment barriers, fragmented global liquidity, and decreased visibility in multi-market fund management [2]. - These challenges particularly hinder small and medium-sized enterprises (SMEs), widening the competitive gap with large multinational companies [2]. Group 2: Fintech 3.0 Vision - Ant Group is accelerating investment in a Fintech 3.0 vision characterized by an open ecosystem, multi-dimensional payment innovations, and trusted security technology [4]. - The company aims to establish a compliant, low-friction, and high-efficiency global payment ecosystem by promoting collaboration between public and private sectors across different regions and payment systems [5]. Group 3: Payment Innovations - Ant Group's Alipay+ has partnered with 40 major e-wallets and over 10 national QR code networks, covering more than 100 markets, allowing over 150 million merchants to seamlessly access major payment methods in the Asia-Pacific region [5]. - The introduction of real-time payment pathways between mobile payment systems and traditional banking systems is a significant breakthrough, enabling users to make instant payments at POS networks [6]. Group 4: AI and Payment Transformation - AI and blockchain technologies are driving profound changes in the payment sector, with Ant Group focusing on developing agentic payment solutions that assist in complex tasks beyond simple transactions [7]. - The company has launched Antom Copilot, an AI assistant for merchants, which simplifies onboarding and payment integration processes [8]. Group 5: Real-Time Payment and Forex Management - Real-time global payment settlement (RTP) is a key area for Fintech 3.0, allowing businesses to achieve 24/7 real-time settlements and improve liquidity management [9]. - Ant Group's Falcon AI model processed $15 trillion in funds in 2025, helping clients reduce forex hedging costs by 40% [9]. Group 6: Security Innovations - Ant Group introduced Alipay+ GlassPay, a smart glasses payment solution featuring advanced biometric identification methods, enhancing security in payment transactions [11][13]. - The company has developed the AI SHIELD TRANSFORMER risk control model, which processes over 720,000 transactions per minute with a high accuracy rate in identifying high-risk transactions [14]. Group 7: Privacy and Data Protection - Ant Group is investing in advanced privacy computing architectures to ensure data protection while sharing business insights securely [15]. - The establishment of the "Digital Wallet Guardians Alliance" aims to promote security technology sharing and best practices among partners [15]. Group 8: The Future of Fintech - The emergence of Fintech 3.0 represents a "super connector" era, integrating various payment tools and accounts, AI practices, transaction processes, and growth resources [16]. - Ant Group's new AI operational app, EPOS 360, aims to provide SMEs with insights and responsiveness comparable to large institutions, promoting inclusive growth [16].