乘着特朗普政府监管松绑的东风，美国数字支付巨头PayPal Holdings Inc.向监管机构提交银行牌照申 请，寻求利用政府对金融科技公司进入银行体系的开放态度，扩大小企业贷款能力，并为客户提供有息 储蓄账户。 美东时间15日周一，PayPal宣布，已向联邦存款保险公司（FDIC）和犹他州金融机构部门提交申请， 计划成立一家犹他州特许工业贷款公司PayPal Bank。如获批准，该银行将使PayPal能够更高效地为美国 小企业提供贷款解决方案。自2013年以来，PayPal已为全球超过42万个商业账户提供了逾300亿美元的 贷款和营运资金。 PayPal的CEO Alex Chriss表示，获得资金仍是小企业努力发展和扩张的重大障碍。成立PayPal Bank将增 强公司业务并提高效率，使其能够更好地支持美国各地小企业的增长和经济机会。 此举正值特朗普政府对金融科技公司态度转向宽松。上周，包括"稳定币第一股"Circle Internet Group Inc.、Ripple和Paxos在内的多家加密货币公司获得了成为银行的初步监管批准，与拜登政府时期的严格 审批态度形成鲜明对比。 公布银行申请后，周一收跌 ...

2025年9月19日，在华为全联接大会2025上，美宜佳与华为、支付宝正式签署三方联创合作协议。此次 合作标志着三方将整合各自在零售网络、操作系统生态及数字支付领域的优势，共同推进基于鸿蒙生态 的全店智能运营体系建设。此举旨在通过技术与场景的深度融合创新，系统性提升全国门店的智能化水 平与消费者体验，为零售行业的数字化升级树立新标杆。 本次合作的核心是依托华为鸿蒙系统强大的生态连接与分布式能力，以及支付宝在数字经营与支付领域 的成熟技术，共同打造可规模化推广的智慧零售解决方案。合作的首个重要成果，是推出了行业首台搭 载支付宝"碰一下"交互技术的鸿蒙智慧收银机。该设备极大简化了支付流程，顾客手机解锁后轻碰即可 完成支付、优惠核销与积分累积，显著提升了交易效率与消费体验。 此次智能化升级，与美宜佳长期坚持并不断优化的品牌便利店加盟模式形成了深度协同与强力赋能。对 于庞大的加盟网络而言，统一的智能化改造意味着运营效率的普适性提升与成本的集约化管控。 通过引入鸿蒙智慧收银机等智能硬件，加盟门店能够有效降低对人工操作的依赖，尤其是在夜间等时 段，有助于缓解人力成本压力并挖掘增量消费。同时，基于鸿蒙生态构建的数字化系统， ...

Group 1: Cross-Border Tourism Trends - South Korea is becoming a preferred destination for Chinese tourists, with outbound flight bookings to Korea increasing over 200% during the New Year period in 2026, and bookings to Seoul rising by 3.3 times year-on-year, the highest among destinations [1] - Hotel bookings in South Korea have also surged, with a year-on-year increase of over 240% as of December 1 [2] Group 2: Payment Trends and Innovations - Alipay+ has integrated with 21 electronic wallets and banking apps in South Korea, covering over 2 million merchants, primarily small and micro businesses, accounting for more than half of all merchants in Korea [3] - The number of transactions made by Alipay users in South Korea increased by 15% year-on-year, with Seoul being the most concentrated area for spending, while Jeju Island saw the fastest growth at 53% [3] - The health and beauty sector in South Korea experienced a 90% increase in transaction numbers and a 123% increase in payment amounts on the Alipay platform from January to November [4] Group 3: Market Dynamics and Consumer Behavior - The integration of Alipay+ has significantly boosted sales for local vendors, with a reported 626% increase in spending by overseas tourists at Myeongdong Night Market [4] - Korean tourists are also significant consumers in China, with a nearly 98% year-on-year increase in transaction numbers using major Korean e-wallets [5] Group 4: Ant Group's Strategic Developments - Ant Group's international operations are expanding, with a focus on cross-border payments, treasury management, scenario finance, and enterprise account management [6] - The company has established partnerships with over 40 major digital payment providers and QR code networks across 11 countries, covering more than 100 markets [6] - Ant Group's Bettr platform offers flexible, unsecured credit services to SMEs and individuals, with a loan approval rate of around 80% [7]

Core Insights - The article highlights the anticipated surge in cross-border travel, particularly to South Korea, driven by favorable policies such as the full online processing of exit and entry documents and temporary visa exemptions for Chinese tourists [1][12]. Group 1: Cross-Border Travel Trends - Search interest for keywords related to "New Year" and "cross-border travel" has increased by over 280% in the past month [1]. - Hotel bookings in South Korea have seen a year-on-year increase of over 240% as of December 1 [1]. - The number of users redeeming "cross-border consumption discounts" on Alipay has surged, with a 69% week-on-week increase in the first week of December, and a 129% increase in regions like South Korea [1]. Group 2: Payment Facilitation in South Korea - Alipay+ has integrated with 21 electronic wallets and banking apps in South Korea, covering over 200,000 merchants, primarily small and medium-sized businesses [2]. - Approximately 80% of inbound tourists in South Korea used Alipay+ affiliated wallets for payments in the first 11 months of the year, with a 15% year-on-year increase in transaction volume for Alipay users [2][3]. - The most significant growth in transactions was observed in Jeju Island, with a year-on-year increase of 53% [2]. Group 3: Consumer Behavior and Marketing Strategies - The health and beauty sector has seen a 90% increase in transaction volume on Alipay, with payment amounts soaring by 123% [6]. - Local businesses are actively using Alipay to attract Chinese customers, with promotions and discounts being offered through the platform [2][3][6]. - The integration of Alipay+ into public transportation systems has enhanced the travel experience for Chinese tourists, allowing for seamless payments across various transport modes [6]. Group 4: Broader Implications for Tourism and Retail - The article notes that the convenience of cross-border payments is boosting consumer willingness to spend, benefiting local small businesses [7]. - The "outbound travel smart assistant" feature on Alipay allows users to customize travel plans and book services easily, enhancing the overall travel experience [9]. - Alipay+ is expanding its reach, having partnered with 40 electronic wallets across the Asia-Pacific region, facilitating a global network for merchants and consumers [13].

纳尔参加在北京举行的中非青年创新创业圆桌会议。 招商局集团供图 外国观众在HICOOL 2025全球创业者峰会展厅内观看智 能灵巧手。 杜建坡摄（影像中国） 蔡奕鸿展示其公司生产的竹基环保杯盖。 本报记者 崔 寅摄 孔特在湖南长沙举办的招商研讨会上发言。 盘清文摄 上海外滩国际人才服务中心工作人员向俄罗斯姑娘安娜 （左）介绍双语小册子《"欢迎来黄浦"海外人才一本 通》。 王 初摄（影像中国） 近年来，中国高质量发展不断推进，创新创业生态、产业配套、政策支持方面的独特优势不断显现。许 多外国人在华学习、创业，将中国的先进技术与理念融入自身创业实践中。也有不少外国留学生将在华 所学带回本国，投身创业实践，为家乡产业升级与数字化转型注入新活力。他们不仅实现了个人梦想， 也成为中外科技、产业与文化交流的桥梁，他们的经历展现了中国高质量发展对全球创业者的强大吸引 力。 埃塞俄比亚青年将数字支付理念带回非洲—— "利用在中国所学造福家乡" 本报记者 戴楷然 纳尔介绍，"Chapa"一词在埃塞俄比亚青年俚语中是"钱"的意思，青年群体更容易接受数字支付平台这 样的新鲜事物。"在埃塞俄比亚，企业面对不同客户时，需要接受不同银行 ...

（香港，2025年11月25日）— 亚博科技控股有限公司（"亚博科技"或"本集团"，香港联交所股份代号： 8279）今日宣布截至2025年9月30日止六个月中期业绩。 财务摘要 本集团于六个月期间的收入约为3.69亿港元（截至2024年9月30日止六个月：约2.71亿港元），较截至 2024年9月30日止六个月增加约36.1%。于六个月期间的收入贡献主要来自以下业务： 于六个月期间的亏损约为2560万港元（截至2024年9月30日止六个月：约160万港元）。亏损整体增加约 2400万港元，主要来自本集团的实体与数字银行业务。该业务于六个月期间录得亏损约2440万港元（计 入整个六个月期间），而于截至2024年9月30日止六个月（该期间仅计入于收购后约一个月的业绩表 现）的亏损约为710万港元。因此，可合理预期上述并表于六个月期间对本集团整体业绩的影响较大。 业务回顾 实体与数字银行业务：于六个月期间的收入整体增加约8330万港元至约9010万港元，主要由于蚂 蚁银行（澳门）的财务报表于整个六个月期间并入本集团的财务报表，而于截至2024年9月30日止 六个月则自2024年9月2日本集团完成取得蚂蚁银行（澳门） ...

Core Insights - The company reported a revenue of HKD 369 million for the six months ending September 30, 2025, representing a year-on-year increase of 36.12%. However, it recorded a loss attributable to shareholders of HKD 14.177 million, compared to a profit of HKD 1.972 million in the same period last year, indicating a shift from profit to loss [1] Group 1: Revenue Contributions - The revenue contribution primarily came from the entity and digital banking business, which saw an increase of approximately HKD 83.3 million to about HKD 90.1 million. This increase was mainly due to the financial statements of Ant Bank (Macau) being consolidated into the group's financials for the entire six-month period, compared to only about one month of consolidation in the previous year [1] - The net interest income generated from the entity and digital banking business during the six-month period was approximately HKD 20 million [1] Group 2: Digital Payment and Related Services - Revenue from digital payment and related services, including local consumer services and payment-related hardware supply, increased by approximately HKD 10.1 million to about HKD 148 million. This growth was driven by an increase in inbound travelers to Macau and promotional activities such as the "2025 Community Consumption Awards" [2] Group 3: Lottery Business - The lottery business experienced a revenue increase of approximately HKD 4.6 million to about HKD 131 million, primarily due to the resumption of instant ticket supply by the Chinese lottery regulatory authority, which boosted revenue from offline lottery sales and other comprehensive services by approximately HKD 7.2 million [2]

Core Insights - The company reported a revenue of HKD 369 million for the six months ending September 30, 2025, representing a year-on-year increase of 36.12% [1] - The company experienced a loss attributable to shareholders of HKD 14.177 million, a shift from a profit of HKD 1.972 million in the same period last year, resulting in a basic loss per share of HKD 0.123 [1] Revenue Contributions - The revenue from the entity and digital banking business increased by approximately HKD 83.3 million to about HKD 90.1 million, primarily due to the consolidation of Ant Bank (Macau) into the group's financial statements for the entire six-month period [1] - Interest income from personal and corporate customer loans, interbank deposits, and financial notes issued by the Monetary Authority of Macau contributed approximately HKD 70.8 million, along with service fees and commission income of about HKD 19.3 million [1] - The net interest income generated from the entity and digital banking business was approximately HKD 20 million during the six-month period [1] Digital Payment and Related Services - Revenue from digital payment and related services, including local consumer services and payment hardware supply, increased by approximately HKD 10.1 million to about HKD 148 million, driven by an increase in inbound travelers to Macau and promotional activities [2] - The growth in marketing technology services in Macau also contributed to the revenue increase during the six-month period [2] Lottery Business - Revenue from the lottery business increased by approximately HKD 4.6 million to about HKD 131 million, mainly due to the resumption of instant ticket supply by the Chinese lottery regulatory authority [2] - This led to an increase of approximately HKD 7.2 million in revenue from offline lottery agency services and other comprehensive services [2]

经济观察网 11月18日，连连数字在中国香港成立境外总部，标志着其全球化战略布局迈入全面深化的 新阶段。这是连连数字以香港为枢纽，构建全球数字支付新生态的又一大战略布局。 香港特别行政区政府财政司副司长黄伟纶表示："香港是政府、监管机构与企业紧密合作的地方，使企 业能够成功拓展香港、区域乃至全球业务。我们为企业提供顶尖的硬件和软件，有利金融科技企业充分 善用这些资源，成功开拓各式各样的产品及服务。" 连连数字董事长兼执行董事章征宇表示，作为一家肩负着连接中国经济与全球市场责任的企业，连连数 字专注于通过科技创新、合规发展，为全球客户提供高效、安全、智能的数字化支付解决方案。此次连 连数字选择在香港设立境外总部，不仅因为香港是链接中国与世界的天然桥梁，更因香港特别行政区政 府锚定数字未来的远见卓识，致力于将香港打造成为数字资产领域的"全球创新中心"，这一前瞻性布 局，与连连数字的发展愿景高度一致。 三是以"全球协同"为路径，增强技术创新拼图。将积极联合香港及国际顶尖的科技企业、学术机构与投 资伙伴，通过技术并购、联合研发与生态共建等多种形式，快速引入区块链、AI等前沿能力，持续增 强连连在跨境支付与数字金融生态 ...

Core Viewpoint - The U.S. stock market experienced volatility, with major indices rebounding after a dip, while Chinese concept stocks, particularly Alibaba, faced significant declines due to a false rumor impacting market sentiment [1][3]. Group 1: Market Reaction - Alibaba's stock initially rose by 1.6% but later plummeted by 3.78%, closing at $153.80, influenced by a false rumor [2][3]. - The trading volume for Alibaba reached 33.99 million shares, with a total transaction value of $5.286 billion [2]. Group 2: Rumor and Response - A false claim circulated that the U.S. White House accused Alibaba of providing user data to the Chinese military, which was later debunked as lacking factual basis [3][5]. - Alibaba officially denied the allegations, labeling them as malicious and unfounded [5][7]. Group 3: Broader Implications - The incident reflects a pattern of market manipulation through misinformation, similar to past occurrences with other companies like Tencent [5]. - The market's reaction to the rumor indicates a growing resilience among rational investors, as evidenced by a recovery in Alibaba's stock price during after-hours trading [7]. Group 4: Macro Economic Context - Recent shifts in expectations regarding the Federal Reserve's interest rate policy have created uncertainty, with the probability of a rate cut dropping below 50% [9]. - The potential tightening of liquidity could adversely affect global stock markets, particularly emerging markets and technology sectors [9][11].