Breaking into the US market is one of the great proving grounds in payments. The opportunity is enormous. The US digital-payments sector is projected to grow from $3.06tn in 2024 to $9.29tn by 2033, but the path isn’t linear. For many global fintechs, US expansion is the moment when technology, operating models, and assumptions are tested in real time. This market runs on its own logic, shaped by credit-driven consumers, fragmented regulation, and expectations for instant, always-on digital experiences. T ...

数字人民币试点提速：支付革新下，纸币从未远去 当苏州的街头巷尾开始随处可见数字人民币的支付标识，当无网支付、智能合约成为日常支付的新选项，数字人民币的全面试点正推动着我国货币体系迎来 一场本质性升级。作为央行发行的法定数字货币，数字人民币并非简单的"线上纸币"，而是适配数字经济时代的支付新形态。苏州率先试点的实践，让我们 看到了数字支付的无限可能，也让市场开始思考：数字人民币普及的背后，纸币真的会被淘汰吗？答案显然是否定的，这场支付革新的核心，从来不是替 代，而是多元融合。 时代催生变革：数字人民币的诞生逻辑 相较于纸币和第三方移动支付，数字人民币的优势体现在安全、便捷、普惠等多个维度，成为支付领域的一次全面升级。在苏州的试点实践中，这些优势被 不断验证，也让越来越多的市民接受并使用这一新支付方式。 安全是数字人民币的核心竞争力。依托央行的全程监管，数字人民币的每一笔交易都可追溯，且遵循"小额匿名、大额依法可溯"的原则，既保护了普通用户 的消费隐私，又能有效遏制电信诈骗、洗钱等违法犯罪行为。从苏州试点的反馈来看，数字人民币系统内几乎未出现诈骗案例，而这是第三方支付平台难以 企及的。究其原因，数字人民币的国家管 ...

欧洲央行执委会成员皮耶罗·奇波隆内表示，数字欧元的设计将确保欧洲银行继续作为欧元区支付体系 核心，同时保护本土支付卡组织。 在支付数字化浪潮下，作为当前唯一央行货币的现金地位被削弱，欧洲央行启动数字欧元项目以与私人 形式货币竞争。此前银行曾担忧，数字欧元由欧洲央行直接管理、用户在央行开立账户的模式，会削弱 自身在支付处理中的角色。奇波隆内指出，即便没有数字欧元，银行也会面临失去支付角色的风险，数 字欧元反而能为其提供帮助，项目核心目标是"维护银行在支付领域的中心地位"。他提到，银行可能因 稳定币及其他私人支付方案丢失支付业务，不仅会损失直接收入，更会失去支撑高利润增值服务的客户 支付数据。 在本土支付体系保护层面，奇波隆内表示，数字欧元将强化意大利Bancomat卡组织、西班牙Bizum点对 点支付系统等本土体系的作用。通过系统设计，商户使用本土支付网络的成本将进一步降低。他明确， 数字欧元网络向商户收取的费用上限，将低于收费较高的国际支付网络，但高于本土支付体系的常规收 费标准，以此平衡各方运营成本。目前欧元区21个成员国中仅8个拥有国家级支付系统，其余国家完全 依赖国际网络，数字欧元将切实为本土支付体系带 ...

2026.02. 16 本文字数：1304，阅读时长大约2分钟 作者 | 第一财经 陈玺宇 马年春节在即，在中国出境游持续升温的背景下，伦敦市中心已开始进入节庆状态。 特拉法加广场将再度迎来大型春节庆典，唐人街张灯结彩，红色双层巴士披上马年生肖图案穿行市 区。伦敦本地机构与商业组织正加紧准备，迎接来自中国乃至全球的游客。 带有马年春节符号的伦敦双层巴士（中国驻伦敦旅游办事处供图） 伦敦进入"中国新年"时间 伦敦春节庆典自2002年起在特拉法加广场与伦敦唐人街举办，至今已发展成为亚洲以外规模最大的 春节庆祝活动。伦敦华埠商会（London Chinatown Chinese Association，LCCA）表示，该活动 已成为英国文化日历中的重要年度项目，是亚洲以外规模最大的社区春节庆祝活动。 据介绍，马年春节庆祝活动将于2月22日举行，包含巡游、舞龙舞狮、文化展演及灯光秀等系列活 动。LCCA方面表示，活动体现中英社区合作的重要意义，获得了伦敦市长办公室、伦敦市政府及威 斯敏斯特地方政府支持。 与此同时，中国驻伦敦旅游办事处启动"你好！中国"马年主题巴士项目，50辆经典红色双层巴士自2 月9日起披上马年生肖 ...

Core Viewpoint - The People's Bank of China, Fujian Branch, has imposed penalties on Fujian Xingyi Payment Technology Co., Ltd. for violations related to payment processing regulations and transactions with unidentified clients, resulting in a warning, confiscation of illegal gains amounting to 3,421,878.39 yuan, and a fine of 5.05 million yuan [1][2]. Group 1 - Fujian Xingyi Payment Technology Co., Ltd. was penalized for violating payment processing management regulations and conducting transactions with unidentified clients [1][2]. - The company received a warning and was ordered to forfeit illegal gains of 3,421,878.39 yuan, along with a fine of 5.05 million yuan [1][2]. - An individual, Lin, associated with Fujian Xingyi Payment Technology Co., Ltd., was also warned and fined 190,000 yuan for similar violations [1][2]. Group 2 - The administrative penalty was issued by the People's Bank of China, Fujian Branch, on February 11, 2026 [2]. - The public disclosure period for the penalty is set for five years [2].

Group 1 - The core viewpoint of the articles highlights the significant growth in non-cash payment transactions by foreign individuals in Shenzhen, with a projected 1.9 billion transactions and a total value of 26.46 billion yuan in 2025, representing year-on-year increases of 28% and 31% respectively [1] - Hong Kong, Macau, and Taiwan residents are the primary consumers among foreign individuals in Shenzhen, accounting for 82% of the total transaction amount, with Hong Kong residents showing a strong increase in non-cash consumption [1] - The foreign consumer spending in Shenzhen is notably driven by individuals from South Korea, Singapore, and the United States, contributing 11%, 9%, and 8% respectively to the total spending [1] Group 2 - Shenzhen has expanded its tax refund ports to six, with over 2,000 stores now offering tax refund services, and an additional 1,000 stores expected to be added by 2025 [2] - The total number of tax refund transactions in Shenzhen is projected to reach 68,000 by 2025, marking a 13-fold increase year-on-year, with the total refund amount increasing by 2.4 times [2] - The tourism and entertainment sectors are identified as key growth areas for foreign consumer spending in Shenzhen, with over 70% of foreign spending concentrated in supermarkets and dining [3]

2月14日金融一线消息，中国人民银行山东省分行行政处罚决定信息公示表显示，山东运达支付有限公 司违反特约商户管理规定；违反清算管理规定；违反数据安全管理规定，受到警告，被没收违法所得 343.15元，罚款45万元。 2月14日金融一线消息，中国人民银行山东省分行行政处罚决定信息公示表显示，山东运达支付有限公 司违反特约商户管理规定；违反清算管理规定；违反数据安全管理规定，受到警告，被没收违法所得 343.15元，罚款45万元。 | | | | 中国人民银行山东省分行行政处罚决定信息公示表（鲁银罚决字〔2026〕3号） | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | 序号 当事人名 | 称 | 行政处罚决定 书文号 | 违法行为类型 | 行政处罚内容 | 作出行政处 罚决定机关 | 作出行政处 罚决定日期 | 公示 期限 备注 | | 1 | 山东运达 支付有限 | 鲁银罚决字 〔2026〕3号 | 1．违反特约商户管理规定； 2．违反清算管理规定； | 警告，没收违 法所得343.15 元，罚款 | 中国人民银 行 | 2026年2月 ...

11月13日，备受瞩目的"2025国际金融科技论坛暨友仑集团第九届金融科技创新论坛"在上海市黄浦区科学会堂隆重举行。 作为金融科技领域的年度盛事，本次论坛由友仑集团与复旦大学国际金融学院强强联合主办，汇付天下、NETSTARS、Onafriq、牛信科技等知名企业协 办，并得到了上海财经大学滴水湖高级金融学院、复旦大学国际金融学院金融科技研究中心、香港数码港、香港金融科技协会等多家权威机构的鼎力支 持。 论坛汇聚了全球金融、科技、投资及学术界的精英代表，共同探索金融科技的前沿趋势与产业合作新机遇。 本届论坛以"跨境支付、数字资产与人工智能"为核心议题，全面展现了金融科技从理论探讨走向实践应用、从单一技术突破迈向生态协同发展的蓬勃态 势。 共谋技术革新，链接全球伙伴 深入汇付天下，共筑数字生态未来 汇付天下董事长兼首席执行官周晔在主论坛上发表了题为《从未来看现在：支付变革的逻辑》的精彩演讲。 他深刻指出，当前支付行业正处于发展的关键十字路口，并深入剖析了支付工具的演变、消费端交互方式的变革、支付与软件生态的深度融合、运营数字 化与智能化的升级，以及数据连接与集成的五大核心议题。 面对国际市场的碎片化挑战，周晔创新 ...

Group 1 - The China Cybersecurity Review Certification and Market Regulation Big Data Center has awarded the "Personal Information Protection Certification" to Tenpay Payment Technology Co., Ltd, which will provide a replicable practice sample for financial data security governance in the digital economy era [1][2] - Tenpay, as a core third-party payment platform under Tencent, supports WeChat Pay and QQ Wallet, covering various payment scenarios and directly relating to the information security of over 1 billion online payment users [2] - The certification confirms Tenpay's establishment of a comprehensive data security risk prevention and control system, reflecting its long-term compliance practices and enhancing user trust [2][3] Group 2 - The personal information protection certification system in China has entered a refined development stage, becoming a crucial support for the security of digital economic development [3] - The certification process includes "technical verification + on-site audit + post-certification supervision," forming a multi-layered compliance system that effectively prevents industry issues such as "big data discrimination" and unauthorized sharing [3] - The certification of Tenpay marks a shift in the payment industry's information protection from "passive compliance" to "active governance," injecting security momentum into the high-quality development of the digital economy [3]

Core Viewpoint - The issuance of the "Personal Information Protection Certification" to Tenpay by the National Cybersecurity Review Certification and Market Regulation Big Data Center signifies a significant step in enhancing financial data security governance in the digital economy era [1][2]. Group 1: Certification Details - The certification process adhered to the GB/T 35273-2020 standard, involving a comprehensive audit of Tenpay's personal information handling practices, including collection, storage, usage, transmission, and deletion [1]. - The certification confirms that Tenpay has established a robust data security risk prevention system, ensuring compliance, appropriateness, and operational effectiveness of its protection mechanisms [1][2]. Group 2: Company Overview - Tenpay, as a core third-party payment platform under Tencent, supports WeChat Pay and QQ Wallet, serving over 1 billion online payment users and covering various payment scenarios [2]. - The company has prioritized user information protection as a strategic focus, implementing a dual security system combining technical defenses and human oversight [2]. Group 3: Industry Implications - The certification enhances Tenpay's user trust framework and serves as a model for compliance in the payment industry, demonstrating the practical value of personal information protection certification as a third-party evaluation system [2][3]. - The personal information protection certification system is evolving into a refined development stage, becoming a crucial support for the security of the digital economy, particularly in sensitive areas like payment [3]. - The National Cybersecurity Review Certification Center plans to expand the coverage of personal information protection certification, promoting compliance construction among leading industry institutions [3].