Group 1: Consumer Upgrade Policy - The "old-for-new" policy has been continuously updated since last year, effectively promoting consumption and driving significant industrial transformation and upgrades [1] - The Beijing Municipal Bureau of Commerce announced an expansion of the subsidy categories for the "old-for-new" program, which includes automobiles, home appliances, electric bicycles, and digital products [1] Group 2: Payment Solutions for Small Merchants - UnionPay Business has been appointed as the payment and technology service provider for the "old-for-new" initiative in Beijing starting in the second half of 2024 [2] - The company introduced a combination solution of "Xiao U single product + Jing Tong mini program + merchant mini program assistant" to facilitate easier system integration for small merchants, overcoming previous technical barriers [2] - UnionPay Business has assisted hundreds of merchants and over a thousand stores in Beijing, generating transaction amounts exceeding 10 billion yuan [2] Group 3: Smart Elderly Care Services - The Beijing Civil Affairs Bureau provides meal subsidies to eligible elderly residents through a reimbursement model, and the "Parents' Canteen" brand was launched in September 2022 to enhance meal services [3] - UnionPay Business has collaborated with the Xicheng District Civil Affairs Bureau to provide smart terminal devices and payment services for the "Parents' Canteen," streamlining the meal ordering and payment process for elderly residents [3] - The service has been implemented in over 200 "Parents' Canteens," covering 263 communities, allowing elderly individuals to pay conveniently using facial recognition [3] Group 4: Elderly Assistance Card Payment Integration - The Elderly Assistance Card serves as a credential for elderly residents to access various social welfare benefits in Beijing [4] - UnionPay Business has integrated the payment function for the Elderly Assistance Card at 125 meal points, enabling a seamless payment process for elderly users [4] - In 2024, the company launched a mini program in the "Cloud Flash Payment" app for online binding of the Elderly Assistance Card, facilitating easy payments for users [4] Group 5: Smart Agricultural Wholesale Market - The Xinfadi Market in Beijing is one of the largest agricultural wholesale markets in Asia, with a daily foot traffic exceeding 30,000 [5] - UnionPay Business, in collaboration with Beijing Bank, developed a smart settlement service solution to enhance payment efficiency in the market, including a "cash register scale + C-scan B payment" product combination [6] - The company has also introduced customized services such as voice broadcasting and online shopping carts to improve market management and merchant operations [7] Group 6: Upgraded Transportation Payment Systems - Beijing's urban rail transit has become the first in the world to support five major card organizations for contactless entry [8] - UnionPay Business played a key role in the system upgrades for ticketing machines and entry gates to accommodate international cards, ensuring smooth transaction processes [8] - The company has also implemented various payment methods for local residents and foreign visitors, enhancing the overall travel experience in Beijing [9] Group 7: Commitment to Social Services - UnionPay Business is dedicated to empowering social services through technology and payment solutions, contributing to various initiatives such as "old-for-new," elderly meal services, smart agriculture, and transportation improvements [9] - The company aims to continue enhancing financial services and digital solutions to benefit the public and support high-quality development in Beijing [9]

Market Performance - The cross-border payment (CIPS) concept declined by 1.95%, ranking among the top decliners in the concept sector [1] - Major decliners in the CIPS sector included Xiaogoods City, Jida Zhengyuan, and Xincheng Technology, while top gainers were Donghua Software, Jingbeifang, and *ST Rendo, with increases of 4.28%, 2.40%, and 2.34% respectively [1] Capital Flow - The CIPS concept experienced a net outflow of 6.149 billion yuan, with 47 stocks seeing net outflows, and 21 stocks exceeding 100 million yuan in net outflows [1] - Agricultural Bank led the net outflow with 759.39 million yuan, followed by Lakala, Xiaogoods City, and Industrial and Commercial Bank with outflows of 588.37 million yuan, 563.46 million yuan, and 485.34 million yuan respectively [1] Top Gainers and Losers - The top gainers in the CIPS sector included Donghua Software with a 4.28% increase, while the largest loser was Xiaogoods City with a 9.89% decrease [1] - Other notable losers included Agricultural Bank (-3.29%), Industrial and Commercial Bank (-2.85%), and Lakala (-2.44%) [2]

Group 1 - The company, Lakala, is in deep discussions with Ant International regarding collaboration in wallet network acceptance and global acquiring services [1]

Group 1 - The core viewpoint of the article highlights Lakala's extensive cross-border payment network, which covers over 100 countries globally, providing tailored and integrated cross-border payment solutions for Chinese brands [1] - In 2024, the company expects to serve over 120,000 clients in its cross-border payment business, representing a year-on-year growth of 80% [1] - The transaction amount for cross-border payments is projected to reach 49.2 billion yuan in 2024, showing a year-on-year increase of 14% [1] Group 2 - In the first quarter of 2025, the company reported a year-on-year growth of 76% in the number of cross-border merchants and an 85% increase in cross-border payment transaction amounts [1]

Group 1 - The 14th Financial Expo opened on June 26, featuring the launch of five new financial platforms, notably the digital RMB "Guangxin Yu" prepayment consumption guarantee service platform [1] - The "Guangxin Yu" platform is developed through collaboration between the People's Bank of China, Guangzhou Digital Technology Group, and banking institutions, utilizing the digital RMB APP "Yuan Manager" for prepayment fund management [1] - The platform addresses core issues in the prepaid consumption market by employing digital RMB smart contract technology to create a closed-loop management mechanism for prepaid funds, ensuring real-time clearing and safety of consumer funds [1] Group 2 - For merchants, the "Guangxin Yu" platform offers zero-fee withdrawals and interoperability with other mainstream payment platforms, while banks provide low-interest financing products to reduce operational costs [2] - All prepaid funds are controlled by smart contracts, effectively eliminating the risk of fund misappropriation and providing robust technical support for efficient and precise social governance by government departments [2] Group 3 - The digital RMB foreign currency exchange machine supports instant exchange of over 20 foreign currencies, enhancing the payment experience for foreigners in China [3] - The machine has been widely deployed in major airports and hotels, achieving a market share exceeding 90% and facilitating seamless cash access upon arrival [3] - The integration of AI, virtual reality, and big data technologies into banking services is exemplified by the AI digital human front desk machine, which improves service efficiency and customer satisfaction [3]

智通财经6月25日电，有投资者问，中国人民银行总结算中心与香港结算有限公司共同推出"跨境支付 通"，请问对公司业务有什么帮助和促进？海联金汇在互动平台表示，与传统跨境汇款相比，与香港间 的跨境支付通有效缩短了跨境汇款链路，提高了跨境汇款效率，从技术上支持参与机构为用户提供体验 更好的跨境汇款服务。目前，该事项对公司业务没有直接的影响。 3连板海联金汇：跨境支付通对公司业务无直接影响 ...

（原标题：跨境支付(CIPS)概念涨4.47%，主力资金净流入44股） 截至6月23日收盘，跨境支付(CIPS)概念上涨4.47%，位居概念板块涨幅第4，板块内，63股上涨，优博讯20%涨停，吉大正元、神州信息、*ST仁 东等涨停，四方精创、拉卡拉、先进数通等涨幅居前，分别上涨19.97%、13.04%、12.87%。 今日涨跌幅居前的概念板块 | 概念 | 今日涨跌幅（%） | 概念 | 今日涨跌幅（%） | | --- | --- | --- | --- | | 兵装重组概念 | | 5.82 同花顺出海50 | -0.26 | | 电子身份证 | 5.58 | 超级品牌 | -0.04 | | 数字货币 | 5.20 | 猪肉 | 0.09 | | 跨境支付(CIPS) | 4.47 | 白酒概念 | 0.10 | | 可燃冰 | 4.25 | 芬太尼 | 0.10 | | 移动支付 | 3.89 | 养鸡 | 0.24 | | 数据确权 | 3.89 | 特钢概念 | 0.46 | | 财税数字化 | 3.64 | 青蒿素 | 0.46 | | 华为鲲鹏 | | 3.52 高股息精选 | 0.53 | ...

跨境支付概念股快速拉升 吉大正元涨停 智通财经6月23日电，吉大正元涨停，拉卡拉、华峰超纤涨超5%，新国都、优博讯、新晨科技、京北 方、长亮科技、信雅达等跟涨。消息面上，跨境支付通6月22日正式上线运行，这标志着内地与香港快 速支付系统实现互联互通，今后两地居民可实时办理跨境汇款。 ...

Core Insights - The trend of Hong Kong residents traveling to mainland China for consumption has become a norm, with no significant negative impact on local spending in Hong Kong [1][2] - The research indicates that the consumption patterns of Hong Kong residents differ significantly between mainland China and Hong Kong, with a focus on service consumption in the mainland [2][3] Group 1: Consumption Patterns - Hong Kong residents' spending in mainland China is primarily on life services, while local spending is concentrated in retail and dining sectors [1][2] - The study shows that the number of trips made by Hong Kong residents to mainland China has returned to pre-pandemic levels, indicating a stable consumption pattern [1][2] Group 2: Digitalization Impact - The digitalization of services has facilitated over 2 million Hong Kong residents to engage in consumption in mainland China, enhancing the integration of the Greater Bay Area [3] - AlipayHK's cross-border services have evolved beyond simple payments to include various scenarios such as transportation and appointment services, promoting a seamless consumer experience [3] Group 3: Future Outlook - The ongoing trend of consumption in mainland China is expected to persist, with spending levels returning to normal without drastic changes in the short term [2] - The rapid development of digital technology in mainland China has significantly boosted service consumption growth, with small businesses experiencing notable increases in sales and transaction volumes [3]

Group 1 - The training session focused on the integration of content creation and platform operation, exploring innovative paths and business opportunities for local self-media creators and MCN organizations [1][2] - Key topics included decoding platform rules, streamlining the creative process, and identifying collaboration resources, with an emphasis on the flow distribution mechanism and incentive policies of Alipay's Life Number [2] - The session featured a case study of top accounts on the Life Number, showcasing an efficient closed-loop path from policy education to community service and offline conversion, providing a replicable content monetization model for creators [2] Group 2 - The event included a Q&A session where representatives from Ant Group's Digital Livelihood Division engaged in discussions with self-media influencers and MCN operators about platform ecosystem construction and collaboration mechanisms [4] - The Ant Group representative expressed a desire for deeper understanding of Alipay's Life Number and encouraged creators to join, highlighting the platform's potential as a key entry point for connecting users with local services and offering diverse commercial opportunities [4]