对于暂时无法落地"智慧食堂"的学校，该支行以缴费便捷性、财务管理正规性等优势作为切入口，大力 推荐建行"悦生活"缴费平台。支行负责人带领客户经理一个学校一个学校地考察，一家一家指导使用， 促成27家单位成功上线建行"悦生活"缴费平台，触及用户23000多名。 目前，"智慧食堂"和"悦生活"缴费已覆盖古交近85%的学校。建设银行太原分行将持续以"智慧食堂"为 切入点，深入挖掘客户多元化金融需求，进一步提升县域金融服务品质，通过数字化手段让便捷、高效 的金融服务走进客户日常生活。(完) "太方便了，刷脸吃饭不用排队，不用带卡或现金，妈妈还能通过手机随时给我充值，实时查看我的就 餐记录。"古交市实验中学校初二学生小李说。 在引入"智慧食堂"后，学生们的就餐时间大幅缩短。以往，学生们在食堂结账排大队，经常丢失饭卡， 特定时间充值。现在，通过"智慧食堂"，整个结算过程仅需短短几秒钟，提高了就餐效率。家长可通 过"建行生活"App了解学生就餐情况，校方实现财务管理透明化，真正享受到了科技带来的便捷。 "我们以数字化经营为抓手，充分挖掘市场需求，现在古交已有6家单位成功落地智慧食堂，近期还有一 个学校的项目正在落地中，逐步 ...

展望未来，客如云将持续依托银联新"四方模式"，不断优化技术架构、拓展应用场景，携手生态伙伴共 建开放、共赢、可持续的全球支付新生态，助力中国支付标准走向世界，真正实现"支付无界"的美好愿 景。 客如云的创新不止于支付通道的打通。依托深耕餐饮行业的SaaS中台能力，公司将跨境支付与餐饮数 字化经营系统深度融合，打造覆盖交易、运营与决策的全链路智能解决方案。更值得关注的是，客如云 将于2025年10月正式发布"AI五大智能体"——包括老板助手、营销助手、超级店员、超级IT与智能小 ON，全面赋能餐饮场景的人机协同与智能化升级，开启智慧经营新篇章。 截至目前，银联已在境外50多个国家和地区推进二维码跨境互联互通合作，覆盖亚太、中东、欧洲、 非洲等多个地区，带动数千万家境外银联二维码受理商户，形成涵盖餐饮购物、交通出行等日常消费场 景的跨境支付生态圈。加入银联新"四方模式"，不仅有效解决了跨境支付中的技术标准割裂问题，更通 过"支付+场景+数据+智能"的深度融合，将便利化支付能力精准触达消费终端，为全球用户带来更高 效、安全、一致的支付体验。 随着全球人文经贸往来的持续加速，跨境支付正迎来前所未有的发展机遇。作为国内 ...

科技的迅猛发展和互联网技术的普及,消费市场正经历着前所未有的变革,传统的消费模式逐渐被打破,新 的消费理念和方式不断涌现。而大数据云计算、人工智能等技术的广泛应用,让数字化经营成为商家提 升竞争力的关键手段,数字化经营利用数字区块链技术、互联网平台和数据分析等手段,对消费市场进行 精细化管理和运营,是未来商家经营的必选之路。 江平富商数字服务平台应运而生,创新发展,通过政策引导和资源支持,当地政府为江平富商的健康发展提 供了有力保障。该平台旨在打破传统电商平台的局限,为商家和消费者提供一个更加公平、透明、高效 的数字经营环境,未来各个城市的优质商家都可以入驻到江平富商数字服务平台,而江平富商只做链接服 务,只做数字生态,会让利给商家和消费者,激活实体消费市场。 江平富商创新性的提出了消费及合伙、消费及股东的理念,开启消费经济新时代,真正实现了消费者、商 家和平台之间的共赢,而这种形式将会把江平富商打造成国内顶尖的数字经营新经济发展服务平台。 在当下数字化时代,公司不仅拥有强大的原料供应链,还通过自建云仓实现了全国范围内的快速配送,为消 费者提供了一件发货的便捷体验。还拥有自建网站、独立APP和电商平台,构建了 ...

Core Insights - The article highlights the increasing popularity of Dubai's culinary scene among Chinese tourists, driven by the introduction of the "Must-Eat List" by Dazhong Dianping, which has significantly boosted restaurant traffic and visibility for local eateries [1][2][3]. Group 1: Restaurant Performance and Impact - The restaurant Markette in Dubai has seen a rapid increase in performance, with comments related to "Dubai" cuisine growing by 506.95%, notes increasing by 452%, and search volume up by 80% [1]. - The inclusion in the "Must-Eat List" has been instrumental in attracting more Chinese tourists to various restaurants, with reported increases in customer traffic ranging from 30% to 50% for several establishments [6][7][8]. Group 2: Dazhong Dianping's Global Expansion - Dazhong Dianping is expanding its "Must-Eat List" globally, having established a team of over 50 people and launched services in more than 200 countries and 1,000 cities, with a focus on 100 key cities this year [2][8]. - The platform aims to enhance its information infrastructure to provide accurate and timely merchant information, leveraging AI for precise restaurant selection based on customer reviews [2][10]. Group 3: Cultural Exchange and Consumer Preferences - The initiative aims to bridge cultural gaps by promoting local cuisines that cater to Chinese tastes, reflecting a shift in preferences among younger Chinese travelers who are more open to exploring diverse culinary options [3][10]. - Dazhong Dianping's "Must-Eat List" not only serves as a guide for food but also facilitates a broader understanding of local cultures through culinary experiences [9][12]. Group 4: Future Developments and Investments - Dazhong Dianping plans to invest at least 3 billion in the next five years to upgrade its information infrastructure globally, ensuring accurate and timely local life information for users [10][11]. - The company is also looking to expand its services beyond dining to include shopping and leisure activities for Chinese tourists in Dubai [10][12].

Core Viewpoint - China Construction Bank's Qingdao Branch is committed to enhancing financial services to support local economic development and meet the needs of both individuals and enterprises, focusing on high-quality growth and community engagement [1][10]. Group 1: Financial Services and Talent Development - The Qingdao Branch prioritizes serving the real economy and enhancing financial service adaptability, competitiveness, and inclusivity through continuous optimization of products and risk control systems [2]. - The branch views talent as a vital resource, implementing systematic training to build a skilled and innovative financial service team, achieving notable success in industry competitions [2]. - The branch's sales of equity funds have become the highest among state-owned banks, with a more than 1500% year-on-year increase in effective clients for gold products, significantly improving customer service capabilities [2]. Group 2: Digital Transformation - Digital upgrades are crucial for improving service quality, with the branch leveraging big data and AI to enhance operational efficiency and customer experience [3]. - The branch won first place in the "CCB Cup" AI competition, showcasing its commitment to integrating technology into financial services [3]. Group 3: Consumer Support and Loan Services - The Qingdao Branch actively promotes consumer loans, implementing automatic interest subsidies to reduce financing costs for residents, with 35.23 billion yuan in personal consumer loans disbursed by 2025 [4][5]. - The branch has established a digital operating system for personal consumption loans, utilizing financial technology for precise customer analysis and extending business scenarios [5]. Group 4: Community Engagement and Cultural Initiatives - The branch integrates financial services with cultural initiatives, such as the "Expired Magazine Drift" project, enhancing community engagement and cultural dissemination [7]. - The "Smart Canteen" project exemplifies the branch's commitment to using technology to improve public services, significantly reducing waiting times for hospital dining [7]. Group 5: Support for SMEs and Innovation - The branch addresses the financing challenges faced by SMEs by introducing innovative products like "Shanxin Loan" and "e Credit," transforming intangible assets into tangible credit [8]. - Collaborations with companies like New Hope Liuhe demonstrate the branch's role in optimizing cash flow and supporting supply chain finance [8]. Group 6: Comprehensive Financial Support - The branch emphasizes long-term support for enterprises throughout their lifecycle, providing tailored financial solutions to address specific challenges [9]. - The issuance of green bonds for local manufacturers highlights the branch's commitment to sustainable development and innovation in financing [9]. Group 7: Future Outlook - The Qingdao Branch aims to continuously innovate financial products and service models to enhance service quality and contribute to the development of Qingdao as a modern international metropolis [10].

Core Viewpoint - The article highlights the launch of the upgraded versions of the Bank of Communications App and the "Buy Now" App, focusing on enhancing digital financial services and improving customer experience through innovative features and functionalities [2][4][29]. Group 1: Digital Transformation and Service Enhancement - The Bank of Communications has established a Digital Operations Center to explore the collaborative development of its mobile banking apps, aiming to enhance customer experience and service scenarios [4]. - The newly released App 10.0 versions emphasize the theme "Understanding Wealth, Enjoying Life," focusing on inclusivity, intelligence, and usability in financial services [4][29]. Group 2: Wealth Management Innovations - The App 10.0 introduces an AI assistant named "Little Deer," which utilizes semantic analysis and intent recognition to provide precise and convenient interactions for users [9]. - The "Active Money+" feature allows users to manage idle funds efficiently, offering access to over 100 money market funds and cash management products with a quick redemption limit of up to 1 million yuan per day [11]. - The app's new "Asset and Income Bill" functions provide users with visual insights into their asset structure and income changes, helping them identify potential investment opportunities [18]. Group 3: Cross-Border Financial Services - The App 10.0 includes a "Cross-Border Payment" feature that enables zero-fee remittances from mainland China to Hong Kong, with real-time processing and support for both RMB and HKD [13]. Group 4: Consumer Loan Services - The upgraded app offers an online personal consumption loan service with interest subsidies, allowing customers to apply for loans directly through the mobile platform [16]. Group 5: Lifestyle Integration and User Engagement - The app has launched a "Cultural and Tourism" service brand, providing personalized travel planning and promotional activities to enhance user engagement [19]. - The "Buy Now" App 10.0 version integrates discounts, installment options, and personalized services into daily consumption scenarios, making financial management more enjoyable [22]. - The app features a revamped "Daily Sign-In" activity, allowing users to win discounts and rewards, enhancing user interaction and satisfaction [23].

Core Viewpoint - Lakala Payment Co., Ltd. has submitted an application for listing on the Hong Kong Stock Exchange, with CITIC Securities International as the sole sponsor [1]. Company Overview - Lakala is a leading digital payment and digital business solutions provider in Asia, leveraging technologies such as big data, blockchain, and artificial intelligence to create a comprehensive digital operating service system for small and medium-sized merchants and industry clients [3][4]. - The company holds a prominent market position in China's digital payment sector, with a projected total payment volume exceeding RMB 4 trillion in 2024, capturing a market share of 9.4% among independent digital payment service providers [3][4]. Market Position - In 2024, Lakala is expected to rank first among independent digital payment service providers in Asia, with a market share of 1.1% in total payment volume [4]. - The company is also the largest independent digital payment service provider in China's comprehensive acquiring market, with a market share of 11.7%, and in the QR code acquiring market, with a market share of 9.3% [4]. Financial Performance - For the six months ending June 30, 2022, 2023, 2024, and 2025, the company reported revenues of approximately RMB 5.36 billion, RMB 5.93 billion, RMB 5.75 billion, and RMB 2.65 billion, respectively [6][7]. - The net profit/loss for the same periods was approximately -RMB 1.44 billion, RMB 457 million, RMB 351 million, and RMB 229 million, respectively [6][7].

支持移动加权平均法和先进先出法。借助即时成本核算实现销售成本、毛利即时查询统计。 提供销售报表自定义、Excel输出功能。通过漂亮直观的销售分析图表。清晰掌握各往来单位的应收款，商品盈利一目了然。 在数字经济时代，即时成本计算已不是选择题，而是关乎企业生存的必答题。当竞争对手还在为上月成本数据争论不休时，先行者已通过实时成 本数据抢占市场先机。这种从"事后核算"到"事中控制"的变革，正在重塑企业的成本竞争力。 企业利润的精准把控是生存与发展的核心。然而，许多企业仍被传统成本计算的"糊涂账"困扰：采购价波动、运费调整、生产损耗等关键数据分 散在多个环节，依赖人工汇总不仅耗时耗力，更因数据滞后导致决策失误，错失市场良机。 传统成本计算的三大致命伤 中小企业普遍面临"三无"困境：无专业核算系统、无完整数据链、无动态监控能力。财务人员每月需从采购、生产、仓储等部门收集纸质单据， 手工录入Excel进行成本分摊。 传统成本核算周期长达15-30天，当财务数据反馈到管理层时，市场价格早已变动。这种滞后性直接导致产品定价失准、库存积压等问题。 多数企业采用平均分摊法计算间接成本，导致高毛利产品补贴低毛利产品的"交叉补贴"现 ...

Core Viewpoint - Beijing Bank is entering a critical five-year period for high-quality development, focusing on five key enhancement goals: party building, digitalization, operational efficiency, risk management, and management effectiveness [1][8]. Group 1: Strengthening Party Leadership - The third party committee of Beijing Bank will enhance political construction, improve leadership systems, and strengthen talent development to integrate high-quality party building with business challenges [2][3]. - Continuous improvement of the party's political construction will ensure the implementation of the Central Committee's decisions within Beijing Bank [2]. Group 2: Digital Transformation - The third party committee aims to establish an "AI-driven commercial bank" by advancing comprehensive digital operations and accelerating the application of artificial intelligence [4]. - A focus on building an intelligent risk control system will enhance risk resilience, making digital risk management a core competitive advantage [5]. Group 3: Business Optimization - The third party committee will enhance operational quality by focusing on business structure, customer management, regional collaboration, and management mechanisms [6]. - Plans include deepening the development of five specialized banks and expanding services in children's finance, technology finance, and talent finance [6]. Group 4: Regional Collaboration - The committee will align with national strategic deployments to create a new regional development pattern, focusing on the Beijing-Tianjin-Hebei region and the Yangtze River Delta [7]. - Internal collaboration among non-banking, agricultural finance, and investment sectors will be emphasized to support rural and small enterprises [7]. Group 5: Future Outlook - The successful convening of the third party representative congress marks a new journey for Beijing Bank, with a commitment to transforming the established action plan into tangible results [8]. - The bank aims to contribute significantly to the modernization of China through high-quality development and a strong commitment to its mission [8].

Core Viewpoint - Beijing Bank has demonstrated strong mid-year performance in 2025, focusing on high-quality development amidst a complex external environment, integrating party leadership, risk control, and cultural dynamics into its strategic and operational framework [1][3]. Group 1: Financial Performance - In the first half of 2025, Beijing Bank reported a total revenue of 11.08 billion yuan, with retail customer numbers reaching 31.50 million and a significant increase in private banking clients [11]. - The bank's total assets under management (AUM) surpassed 1.3 trillion yuan, with savings deposits amounting to 793.38 billion yuan [11]. - Company loans reached 1.65 trillion yuan, with growth in technology, green, inclusive, and cultural finance loans exceeding 17% [11]. Group 2: Strategic Initiatives - Beijing Bank is focusing on five strategic areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with national development goals and societal needs [3][4][5][6]. - The bank has launched various innovative financial products, including "Science and Technology Innovation Loans" and "Green Finance Bonds," to support the real economy and promote sustainable development [4][5]. Group 3: Digital Transformation - The bank has entered a new phase of comprehensive digital transformation, leveraging technologies such as AI, big data, and cloud computing to enhance operational efficiency and customer service [7]. - A focus on "AI-driven banking" is evident, with the establishment of an AI innovation platform and the development of financial models tailored to specific needs [10]. Group 4: Risk Management - Beijing Bank has initiated a "Risk Management Year," implementing a comprehensive risk control system that emphasizes data-driven and AI-enabled approaches to enhance risk identification and management [12][13]. - The bank has successfully reduced its non-performing loan ratio for three consecutive years, indicating effective risk management practices [13]. Group 5: Community and Social Responsibility - The bank is committed to inclusive finance, aiming to alleviate financing challenges for small and micro enterprises through targeted policies and services [6]. - Initiatives in pension finance are designed to address the needs of an aging population, with a focus on providing comprehensive services throughout the life cycle [6].