潮新闻客户端 记者 张云山 2025年"十一"假期，入境游持续火热。免签政策、退税便利加上以支付宝为代表的便捷移动支付服务，越来越多外国游客开启了中国游，进一步助推假日消 费活力。 来自欧洲的留学生凯辰 （Jacek Wojtowicz）发现，"支付宝不仅仅可以扫一下支付，还可以碰一下支付，amazing！" "买买买"已然成为跨境旅行新潮流。支付宝平台数据显示，这个假期，餐饮、旅游、线下零售、交通出行是入境游客热门消费的行业。其中，入境购物热度 攀升，入境游客用支付宝在零售品牌支付的金额较去年同期增长超200%。 通过支付宝支付数据还发现，今年"十一"，国际游客来华最爱用手机"买买买"的城市前10名分别是广州、上海、深圳、北京、金华、珠海、佛山、杭州、苏 州、东莞，这些境外游客的热门打卡目的地中，广州入境游客的支付宝消费金额较去年同比涨了70%。 外国游客扫支付宝付款码，购买中国丝绸制品带回家（受访者供图） 外国游客在中国日渐适应移动支付，掏出手机"扫一下"或者"碰一下"付款都很熟练。 今年国庆假期前5天，全球入境游客用支付宝消费金额相比去年同期增长近 40%，而且，外国朋友使用"支付宝碰一下"消费金额更是 ...

Group 1: Economic Growth and Predictions - The IMF has raised its 2025 economic growth forecast for China by 0.8 percentage points to 4.8%, reflecting stronger-than-expected economic activity in the first half of 2025 and easing trade tensions with the U.S. [1] - China's economy is experiencing rapid growth driven by consumption and export increases, despite facing challenges related to insufficient domestic demand [2][3]. Group 2: Real Estate Market Challenges - The real estate sector's contribution to China's economy is declining, with new residential sales area and sales value dropping by 3.5% and 5.5% year-on-year in the first half of 2025 [6]. - Addressing the real estate market's issues, such as unsold inventory and supporting unfinished housing projects, is crucial for stabilizing the sector [5][6]. Group 3: Consumer Behavior and Savings - High household savings rates in China, exceeding 50% of financial assets, pose a challenge for boosting consumption, as many families save for precautionary reasons [4]. - The government is encouraged to enhance social security measures and support the real estate market to alleviate concerns and stimulate consumer spending [4][5]. Group 4: Trade and Export Dynamics - Despite a decline in exports to the U.S., China's overall export growth is being supported by strong sales to other global regions, with total import and export volume reaching a historical high of 20 trillion yuan in the first half of 2025 [3]. - China's efforts to diversify its export markets and supply chains are seen as effective strategies to mitigate risks from trade disputes [3]. Group 5: Monetary and Fiscal Policy Coordination - The IMF suggests that China may need to implement additional monetary easing and expand fiscal policies to address weak domestic demand and potential economic downturns [8]. - The focus should be on long-term fiscal policies that enhance social spending and support the real estate sector, rather than short-term measures with limited impact [8]. Group 6: Digitalization and Currency Internationalization - The digitalization of payment systems in China is facilitating the internationalization of the renminbi, with increased usage in trade settlements and financial transactions [11]. - The IMF has noted a rise in the renminbi's share in the Special Drawing Rights (SDR) basket, indicating progress in its internationalization [10][11].

Core Insights - The topic of "revoking Alipay account authorization" has sparked widespread discussion on social media, highlighting concerns over excessive authorization of personal information and the associated security risks [1] - Users are facing issues with "automatic payments" and "hidden charges," leading to financial losses without their knowledge [1][3] - Alipay has responded by promoting its "personal information authorization management" feature, which allows users to manage their authorizations and modify privacy settings [1] Group 1: User Concerns - Many users have reported discovering numerous unauthorized applications accessing their personal information, raising alarms about data privacy and security [1][7] - Instances of unauthorized automatic payments have been reported, with users unaware of ongoing charges for services they believed were canceled [1][5] - Legal experts emphasize that platforms must obtain explicit consent from users before processing personal information or enabling payment features, as mandated by laws such as the Personal Information Protection Law [4][7] Group 2: Security Risks - The convenience of "no-password payments" has led to significant security vulnerabilities, with cases of unauthorized transactions amounting to thousands of dollars due to lost devices or compromised accounts [5][6] - Users have experienced rapid unauthorized charges after enabling no-password payments, often linked to third-party services that do not clearly disclose their payment terms [5][6] - Experts suggest that while the no-password payment feature enhances convenience, it also necessitates improved risk management and user awareness from platforms [4][6] Group 3: Recommendations for Improvement - Experts recommend that platforms adopt principles of minimal necessary access, informed consent, and revocability in their authorization processes to enhance user security [8] - Platforms should implement real-time alerts for unusual transactions and provide users with easy access to manage their authorizations [8][9] - Consumers are encouraged to regularly review their authorization lists and prioritize using no-password features only with trusted applications [9]

Core Viewpoint - The article discusses the rapid growth and innovation of Alipay's "Tap to Pay" feature, which has reached over 200 million users in a short period, indicating a significant shift in payment interaction and user experience in the mobile payment landscape [3][29]. Group 1: User Growth and Market Impact - Alipay's "Tap to Pay" feature achieved over 200 million users in less than 400 days, significantly faster than previous milestones [3][29]. - This feature has created a new entry point for users, spreading across over 400 cities and involving more than 5,000 brands and millions of businesses [4][5]. - The growth of "Tap to Pay" is particularly notable in a time when overall internet user growth is slowing down, marking it as a unique achievement [6][29]. Group 2: Innovation in Payment Interaction - "Tap to Pay" represents a new form of interaction in mobile payments, akin to the intuitive multi-touch interface of the iPhone, which lowered the psychological barrier for users [13][45]. - The feature is designed to be instinctive, requiring minimal cognitive load from users, thus facilitating a more natural payment process [33][45]. - The introduction of "Tap to Pay" is seen as a strategic move by Ant Group to innovate beyond traditional payment methods, focusing on enhancing user experience through intuitive interactions [17][31]. Group 3: Technological Development and Collaboration - Ant Group has collaborated with major smartphone manufacturers to optimize the "Tap to Pay" experience, ensuring compatibility and performance across devices [25][26]. - The development of the first generation of "Tap to Pay" devices involved extensive testing and collaboration with suppliers to achieve the desired quality and user experience [23][24]. - The revival of NFC technology in the market has been significantly influenced by the introduction of "Tap to Pay," leading to a broader ecosystem of related industries [26][29]. Group 4: Marketing and User Engagement - Ant Group's marketing strategy aims for widespread adoption, targeting local markets to ensure that "Tap to Pay" is accessible and familiar to users [28][29]. - The feature has been integrated into various applications and scenarios, enhancing its utility and encouraging user engagement [40][42]. - The success of "Tap to Pay" has led to increased stock prices for associated companies, indicating market recognition of its value [43]. Group 5: Future Directions and AI Integration - Ant Group is exploring further innovations in payment interactions, including "Look to Pay" and "Say to Pay," which aim to simplify the payment process even more [47][52]. - The integration of AI into payment systems is seen as a key future direction, with the goal of creating seamless and intuitive user experiences [46][55]. - The company's focus on reducing transaction costs and enhancing user experience positions it for significant growth in the evolving digital payment landscape [66][71].

在"支付宝碰一下"成为创新入口的背后，有着自主可控的中国制造作支撑，并由新入口推动了国内消费 生活场景的持续迭代，三者相互激发，成为支付宝再造一个新入口的具象内涵，也催生了更强的内生性 创新发展动力。 公司方面，据中证报表示，A股相关概念股主要有拉卡拉 、新大陆等。 据中证报报道，近日，支付宝公布了"碰一下"最新数据：用户规模已突破2亿，获得1亿新用户的速度快 了一倍，刷新互联网产品增速新纪录；可使用"碰一下"的场景已超1000个，近1亿人已使用多项"碰一 下"服务，"碰一下"成为平台服务新入口。 中证报指出，支付宝"碰一下"通过技术创新与场景拓展，重新定义了支付体验，其便捷性、安全性及生 态扩展能力使其成为移动支付领域的又一里程碑。随着"碰一下"模式的爆火，"支付宝碰一下"已然形成 了一条涵盖软件开发、硬件制造、手机厂商、服务商、品牌商家、行业场景的完整生态链条。 *免责声明：文章内容仅供参考，不构成投资建议 *风险提示：股市有风险，入市需谨慎 ...

明日主题前瞻 1、固态硬盘 | 据IT之家报道，存储大厂铠侠（Kioxia）宣布与英伟达（NVIDIA）展开合作，打造读取速度较传统SSD快近百倍的固态硬盘，预计在2027年 之前推出。据悉，该产品将主要服务于生成式AI运算所需的服务器市场，预计将带来市场的新一代革新。有别于传统SSD需经由CPU连接GPU的方式，这种 新型SSD将达成GPU的直接连接与数据交换。这种直连模式能大幅提升数据传输效率，对于AI运算至关重要。 点评：分析认为，SSD直连GPU技术作为AI算力基础设施的重要创新，其市场前景呈现技术驱动与需求爆发的双重红利。2024年中国智能算力规模达725.3 EFLOPS，同比增速74.1%，预计2025年智能算力规模将突破1037.3 EFLOPS。SSD直连技术通过提升数据吞吐量，成为满足算力需求的关键路径。SSD直连 GPU技术凭借其在算力效率、成本控制和场景适配性上的优势，将成为AI算力市场增长的核心驱动力。预计未来5年，全球AI存储市场规模将突破千亿美 元，中国凭借政策支持、技术迭代和应用场景优势，有望占据全球超3成的市场份额。 5、我国在研新药数量占全球数量的比例超过20%，跃居全球新 ...

人民财讯9月11日电，9月11日，2025Inclusion.外滩大会上，支付宝公布"碰一下"最新数据：用户规模已 突破2亿，使用场景已超1000个，近1亿人已使用多项"碰一下"服务。 ...

新浪科技讯 9月11日下午消息，今日外滩大会期间，支付宝透露，"支付宝碰一下"用户规模已突破2 亿，半数来自最近4个月，拿下1亿新用户的速度快了一倍，刷新互联网产品增长新纪录。作为服务新入 口，目前可在超1000个场景碰一下，近1亿人已使用多项"碰一下"服务。（罗宁） 责任编辑：何俊熹 ...

新华财经开罗9月11日电（记者张健）据埃及媒体10日报道，根据埃及国家电信监管局的数据，埃及移 动支付交易量在今年第二季度实现快速增长，达到7.18亿笔，与去年同期相比增长80%。 从交易类型看，点对点转账所占份额最大，约为54%的交易量。其次是网上充值，约占20%的交易量。 （文章来源：新华财经） 从交易平台看，沃达丰支付保持市场主导地位，占电子钱包总数的55%、交易量的78%、交易额的 81%。其次是Orange支付和WE支付。 在此期间，交易总额达到9430亿埃镑，同比增长72%。电子钱包数量达到4630万个，同比增长29%。 ...

Core Insights - The summer of this year saw a record high in inbound tourism in China, with foreign tourists increasingly adapting to mobile payment methods [1][3] - The amount spent by global inbound tourists using Alipay during the summer increased by over 130% compared to the same period last year, with tourists from visa-free countries spending 15 times more [3] - The top five sectors where foreign tourists spend their money include dining, urban transportation, retail, scenic tourism, and clothing, with clothing consumption seeing a notable increase of 4.5 times in July compared to last year [6] Spending Trends - Dining remains a popular choice, with the number of WeChat payment transactions by foreign tourists in July nearly tripling compared to last year, as they seek immersive culinary experiences [9] - Popular destinations for foreign tourists include Shanghai, Beijing, Shenzhen, Tianjin, and Guangzhou, with Chongqing and Chengdu emerging as new "internet celebrity destinations" where WeChat payment transactions doubled compared to last year [9] Cultural Experience - The increase in foreign tourist spending signals a shift towards deeper cultural experiences rather than just sightseeing, driven by favorable policies such as visa exemptions and tax refunds, along with the convenience of mobile payments [11] - Tourists are engaging in activities that allow them to experience authentic Chinese culture, from local cuisine to traditional crafts, enhancing their overall travel experience [11]