Core Insights - The article discusses the evolution of payment methods in the digital age, emphasizing the shift towards intangible and all-scenario payments, particularly in cross-border transactions [1] - UnionPay is adapting to the digital payment trend by collaborating with local wallets globally, enhancing the user experience and supporting national strategies for international financial cooperation [1] Group 1: Collaboration and Coverage - UnionPay has established partnerships with over 200 local wallets across 37 countries and regions, significantly covering major markets such as Hong Kong, Southeast Asia, and the Middle East [2] - In Hong Kong, local wallets like BoC Pay and PayMe have become benchmarks for mobile payments, covering various daily consumption scenarios [2] - The integration of cross-border payment solutions has allowed 18 UnionPay wallets to scan domestic WeChat payment codes, facilitating payments for foreign visitors in China [2] Group 2: Growth and Usage Statistics - UnionPay's collaboration with Uzbekistan's Uzcard has led to the issuance of millions of dual-branded cards, with a significant increase in QR code transaction volume and value [3] - The usage frequency of UnionPay wallets outside mainland China has also surged, with a 50% increase in QR code transaction counts [3] Group 3: Strategic Importance - The collaboration model offers multiple business advantages, addressing core pain points in cross-border payments, such as the need for additional accounts and local privacy protection [4] - UnionPay adheres to the "four-party model," ensuring secure cross-border transactions through international business rules and risk management mechanisms [4] - The company aims to support national strategies for high-level openness and regional financial integration, positioning itself as a key financial link in the Belt and Road Initiative [4] - UnionPay plans to hold its first "Global Partner Conference" in late November to announce cross-border cooperation achievements and promote an open payment initiative [4]

此外，非洲大陆区域支付系统的扩展也有助于深化非洲的跨境支付。非洲主流的几大区域支付系统 如GIMACPAY、PAPSS和南部非洲发展共同体（SADC）系统分别覆盖中部、西非及部分东非南部非洲 的20余国。包括ECOWAS等在内的非洲其他区域集团也在陆续发展支付系统。为此，非洲国家必须解 决人员自由流动问题，为跨境支付创造激励措施，才能深化整个非洲大陆的支付体系。 据"全非洲"11月16日报道，根据《包容性即时支付系统状况》，2024年非洲的即时支付交易额超过 1.9万亿美元，交易总额从2020年的7757亿美元增加到2024年的19806亿美元。即时支付系统在整个非洲 大陆实现了显著增长和扩张。 报告显示，即时交易系统（IPS）在非洲大陆不断扩张，目前在31个国家/地区有36套在运营的交易 系统。越来越多的国家采用即时支付系统并使用数字金融服务，支持了整个非洲大陆的生计、贸易和增 长。已经在运行即时支付系统的国家应着重提高数字支付服务的包容性、创新性和可负担性。" （原标题：非洲即时支付交易额在2024年达1.9万亿美元） ...

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 ...

为进一步规范"免密支付"业务的开展，切实保护用户权益，促进行业健康发展，中国支付清算协会 近日向支付服务主体、广大用户发出了关于加强"免密支付"业务安全管理的倡议。 "免密支付"，即完成支付不需要密码，是部分支付平台或应用为提升支付便捷性而推出的一项功 能。用户开通该功能后，单笔交易金额在一定限额内可实现直接扣款，大幅缩短了交易时间，也在一定 程度上帮助商户提高了结账效率和客流周转率。不少网友感叹，现在花钱变得越来越"没感觉"了。 老年人也是倡议重点关注的人群。比如要求全面评估老年人的风险偏好和业务承受能力，以显著方 式展示业务核心条款，审慎为老年人开通这一功能。根据老年人的实际需求，实时或定期主动推送"免 密支付"交易相关信息，在显著位置提供相关信息一键查询功能，提供"免密支付"一键取消功能。这些 措施给老年人设置了一道安全屏障，相关部门不妨通过知识普及、案例宣传、技术培训等措施，不断增 强老年人对"免密支付"的了解，增强其安全意识。 此外，消费者应养成定期核对账单的好习惯，若发现账户存在异常交易，应立即关闭支付渠道，阻 止后续扣款。保留盗刷记录截图、交易时间等信息，向支付平台投诉。若损失金额较大，需及时向 ...

《中国民航报》、中国民航网 记者许晓泓 报道：11月14日，以 "共启出海新篇章，携手共创新未来" 为 主题的易宝支付航旅合作伙伴大会在西昌举办，来自国内外航空业、酒店集团、商旅服务领域的数百位 精英代表齐聚一堂，共话航旅行业国际化、数字化、智能化发展新机遇。 中国航空运输协会党委委员、理事长助理朱耀春表示，"十五五"时期是民航业夯实现代化基础、加快高 质量发展的关键阶段，需聚焦提质增效和高质量发展，通过扩大对外开放完善 "空中丝绸之路" 航线网 络、强化航空枢纽建设打造世界级机场群与货运枢纽、推动服务下沉及体验升级三大举措，让航空服务 惠及更广泛群体。 国际航协北亚区金融和分销业务总监江新表示，全球航空业呈现稳步增长但区域分化态势，2025 年客 运量预计增长 5.8%，亚太地区将成为核心增长引擎。中国航空业凭借机场扩容、签证放宽等政策红利 释放市场潜力，但仍需应对高铁竞争、地缘风险及机队老化等问题，航企需通过优化支付方式、提升流 程效率，在数字化创新与数据安全之间寻求平衡，精准适配全球市场变化与旅客需求升级。 易宝支付联合创始人余晨强调，数字科技、金融与产业的深度融合是行业发展的核心逻辑，三者需突破 单一 ...

此外，同意北京雅酷时空信息交换技术有限公司变更公司名称为北京酷宝支付科技有限公司。 北京商报讯（记者 岳品瑜 董晗萱）11月18日，据人民银行北京市分行非银行支付机构重大事项变更许 可信息公示，同意北京中投科信电子商务有限责任公司变更公司名称为北京安心支付有限公司，变更叶 泽锋为董事（董事长），变更王玟为监事（监事会主席）。 ...

Group 1 - The core viewpoint emphasizes the importance of fully unleashing the market potential of a consumer powerhouse like China to drive high-quality economic development and enhance endogenous growth momentum [1] Group 2 - As of 2024, China's total automobile production and sales have ranked first in the world for 16 consecutive years, with home appliance sales such as air conditioners, washing machines, and refrigerators also leading globally [3] - China has the largest number of movie screens in the world, creating the largest film screening network globally, and is the largest single domestic tourism market, with domestic residents traveling 4.998 billion times in the first three quarters of this year, a year-on-year increase of 18% [5] Group 3 - In the digital consumption sector, China has the largest online retail market in the world, with online retail sales reaching 12.79 trillion yuan in the first ten months of this year, a year-on-year growth of 9.6% [7] - China leads globally in digital consumption and innovative payment methods, with mobile payment transaction volume expected to reach 563.7 trillion yuan in 2024 [9]

Core Insights - The "2025 International Fintech Forum" was held in Shanghai, focusing on the theme of "Technology Leading Cross-Border Payments, Wealth Management, and Industrial Upgrading" [1] - The "Global Cross-Border Digital Payment Ecosystem Alliance" was officially established during the forum, attracting significant industry attention [1] Group 1: Forum Highlights - The forum featured in-depth discussions on three main areas: cross-border payments, digital assets, and artificial intelligence [1] - The alliance aims to promote the collaborative development of cross-border payment technologies, application scenarios, and financial infrastructure [1] Group 2: Alliance Objectives - The alliance seeks to enhance the diversity of payment networks and multi-currency options [1] - It will explore compliance and sustainable development in cross-border payments [1] - The alliance aims to build an international communication and cooperation platform to form a global industry ecosystem [1] Group 3: Academic Insights - The phenomenon of "money not reaching its destination" highlights global coordination bottlenecks [2] - The "WealthCare" concept demonstrates the potential of technology in personalized wealth management [2] - The integration of data intelligence, blockchain, and cloud computing is increasingly blurring technological boundaries, leading to deep integration in payment, smart technology, and wealth management sectors [2]

宏观信息 行业信息 综合点评及操作建议 五、宏观信息 应新西兰议会议长布朗利、澳大利亚联邦议会参议长莱恩斯和众议长迪克邀请，全国人大常委会委员长赵乐际将于11月19日至25日对新西兰、澳大利亚进行正 式友好访问。 中央财办分管日常工作的副主任、中央农办主任韩文秀在2025年第22期《求是》杂志中发表署名文章《深刻领会因地制宜发展新质生产力的重要论述和决策部 署》。其中提到，要培育壮大新兴产业和未来产业。加快新能源、新材料、航空航天、低空经济等战略性新兴产业集群发展，推动量子科技、生物制造、氢能 和核聚变能、脑机接口、具身智能、第六代移动通信等成为新的经济增长点。 香港特区政府财政司司长陈茂波表示，香港经济将连续第三年取得正增长，且明年经济可望继续增长。 金融监管总局发布的2025年三季度保险公司资金运用情况表显示，三季度末，保险资金运用余额达到37.46万亿元，其中股票的账面余额为3.62万亿元。这一 数字较去年末增加了1.19万亿元，增幅近五成；其中第三季度增加5524亿元。银行股依然是险资的"心头好"，不仅三季度末持仓市值占比超一半，且第三季 度险资增持股数也在所有重仓股中排名首位。在银行股外，钢铁、通信 ...

Group 1 - Major hedge funds on Wall Street reduced their holdings in the "Big Seven" U.S. stocks during the third quarter while increasing investments in software applications, e-commerce, and payment sectors [1] - Several funds lowered their risk exposure to well-known companies in the healthcare and energy sectors during the quarter ending September 30 [1] - Nomura Asset Management noted that technology stocks experienced significant declines due to their recent strong performance and relatively high valuations, but the growth trend in AI remains unchanged, and cloud service providers continue to increase capital expenditures [1]