Core Viewpoint - The European Parliament supports the simultaneous launch of both online and offline versions of the digital euro, overturning the previous proposal for only an offline version, aligning with the European Central Bank's stance, making the dual-function digital euro more likely to be realized [1] Group 1: Legislative Developments - The amendment passed by the Parliament lays the groundwork for critical discussions in the upcoming Economic and Monetary Affairs Committee [1] - EU member states reached a consensus on the digital euro project in December last year, and the Parliament's vote aims to finalize its official position [1][2] - The Economic and Monetary Affairs Committee is expected to vote on the proposal in early May [2] Group 2: Monetary Sovereignty Considerations - The European Central Bank is promoting the digital euro project to reduce reliance on external payment system providers, a goal that has become urgent amid tightening transatlantic relations [3] - The European Parliament emphasizes that the digital euro is a key tool for enhancing the EU's monetary sovereignty, ensuring that the payment ecosystem is not dominated by non-EU entities [3]

北京商报讯（记者 廖蒙）2月10日，中国支付清算协会（以下简称"协会"）发布《关于开展2025年度收单外包服务评价工作的通知》（以下简称《通 知》），提出将于2月12日9时至3月20日17时，组织从事银行卡收单业务的商业银行或非银行支付机构（以下统称"持牌机构"），对合作的收单外包服务机 构（以下简称"外包机构"）开展2025年度服务评价工作。 北京商报记者注意到，2025年9月，协会组织开展了2024年度外包机构的服务评价工作。对比来看，2025年度相关工作对参评的外包机构提出了前述三项具 体要求，在持牌机构的工作安排上更为细化，评价工作的周期也有所延长。 在博通咨询首席分析师王蓬博看来，这次收单外包服务评价，先制定了参评门槛，筛除高风险机构，从源头把控市场主体，再把持牌机构的管理责任压实， 让持牌机构管理好合作的外包机构，再加上量化的评价指标和明确的违规处罚规则，外包机构干得好不好有了具体标准可衡量，违规也有了明确成本，不光 让持牌机构和外包机构各司其职、权责分明，还能借助评价结果引导市场选择合规的合作方，推动行业优胜劣汰。 作为支付产业链的"毛细血管"，外包机构承担着特约商户推荐、受理标识张贴、商户维护 ...

当智慧科技遇上冰雪度假，一场关于酒店服务的数字化变革悄然启幕。2月9日，万达酒店及度假村宣 布，旗下长白山（603099）万达国际度假区已完成酒店客房智能门锁及配套系统的升级，全面支持支付 宝"碰一下.智慧住"。用户入住长白山万达国际度假区，无需携带实体房卡，通过手机触碰即可完成身 份认证、开门、乘梯等全流程服务。 此次战略合作的另一亮点在于，双方还实现了会员体系的深度融合。万达酒店及度假村忠诚度计划"万 悦会"作为支付宝超10亿庞大会员体系的优选合作品牌之一，支付宝会员可精准匹配"万悦会"会员，各 等级会员均可在合作场景中享受专属权益。此举既有利于万达酒店及度假村进一步拓展优质客群，也为 支付宝用户带来更丰富的会员福利和更优质的服务体验。 作为首家全面接入支付宝-大住宿四大核心项目的战略合作酒店集团，万达酒店及度假村与支付宝以"提 升宾客体验"为出发点，在碰一下.智慧住、会员互通、绿色入住等核心领域的合作已取得实质性进展， 并在长白山万达国际度假区率先实现场景化落地。 2025年10月，同程旅行宣布完成对万达酒店及度假村的战略收购。当前正值冰雪旅游旺季，长白山万达 国际度假区是众多滑雪爱好者的热门去处。数据 ...

欧洲中央银行近期呼吁欧盟加快推进数字欧元进程，并多次警告如果不尽快推进数字欧元相关立法和制 度安排，欧盟在数字支付和金融基础设施领域将进一步依赖非欧盟大型科技公司。 （来源：劳动午报） 转自：劳动午报 目前，数字欧元相关法案已提交欧盟理事会和欧洲议会审议。根据官方最新设想，如果相关法律框架能 在2026年年底前通过，欧洲央行预计将于2027年启动试点项目，并力争在2029年正式发行数字欧元。据 新华社 欧洲央行执行委员会成员皮耶罗·奇波洛内8日接受媒体采访时表示，目前欧元区近70%的银行卡交易依 赖非欧盟机构主导的支付平台。他指出，数字欧元是增强欧洲数字支付自主性的关键工具，同时能降低 企业支付成本。 法新社等媒体认为，近年来美欧关系波动加剧，使欧洲对在关键技术和支付领域依赖美国公司的担忧明 显上升，从而推动欧盟更积极地提升自身金融自主权。 据悉，欧洲央行自2020年启动数字欧元研究以来，一直强调该项目不会取代现金，而是作为公共支付选 项，与现有支付方式并行存在。欧洲央行同时指出，数字欧元的推出必须建立在完善的法律框架和隐私 保护机制之上。 欧盟委员会负责经济事务的委员瓦尔季斯·东布罗夫斯基斯近日表示，欧盟需 ...

凤凰网财经讯 2月9日，美股三大指数集体低开，纳指跌0.34%，道指跌0.25%，标普500指数跌0.24%。 减肥药概念股普涨，诺和诺德涨超5%，礼来涨超2%，因仿制司美格鲁肽而遭到诉讼的Hims & Hers则大 跌22%。存储概念股走弱，美光科技跌超3%。 公司消息 【黄仁勋力挺科技巨头超6000亿美元资本开支：需求旺盛 AI投资创造更多收入】 英伟达CEO黄仁勋在接受外媒采访时表示，科技行业在AI（人工智能）基础设施方面不断增长的资本 支出是合理、适当且可持续的，因为这些公司的现金流都将开始增长。包括微软、亚马逊、Meta、甲 骨文公司和Alphabet在内的科技巨头，正计划在2026年总计投入超过6000亿美元的资本支出。黄仁勋强 调，"人类历史上规模最大的基础设施建设"正在展开，其背后动力是对算力的"极度旺盛"的需求，AI公 司和超大规模云服务商正利用这些算力来创造更多收入。 【古尔曼：未来几周苹果将密集推出新产品】 科技记者马克·古尔曼（Mark Gurman）表示，苹果公司未来几周将推出一系列新产品，包括iPhone 17e、新款iPad，以及搭载M5 Pro/Max芯片的MacBook等。 ...

Core Viewpoint - Europe needs to reduce its dependence on American payment giants like Visa and Mastercard, as their market dominance could be used as leverage in deteriorating US-EU relations [1][4]. Group 1: Current Situation and Concerns - The European Payments Initiative (EPI) CEO Martina Weimert highlighted the excessive reliance on international payment solutions, stating that there is currently no cross-regional payment solution available [1][4]. - In 2022, nearly two-thirds of card transactions in the Eurozone were processed by Visa and Mastercard, with 13 Eurozone member countries lacking any local alternatives [1][4]. - As cash usage declines, European officials are increasingly worried that a serious breakdown in US-EU relations could lead to American payment companies using their market power as a tool for pressure [1][5]. Group 2: Initiatives and Developments - The EPI, which includes major banks like BNP Paribas and Deutsche Bank, plans to launch a European digital payment product called Wero in 2024, which has already gained 48.5 million users in Belgium, France, and Germany [2][5]. - The European Central Bank (ECB) is advancing the development of a digital euro, which aims to facilitate digital cross-border payments within the Eurozone and strengthen the EU's monetary sovereignty [6]. - The ECB plans to issue digital euro tokens by 2029, requiring merchants in the Eurozone to support digital euro payments both online and offline [6][7]. Group 3: Challenges and Future Outlook - There are significant divisions in European politics regarding the digital euro project, with some financial institutions lobbying against it, arguing it could undermine private sector efforts [6][7]. - Aurore Lalucq, chair of the European Parliament's Economic Committee, believes the digital euro could provide a foundation for a local payment system to rival Visa and Mastercard once the industry consolidates [7]. - Weimert cautioned that if geopolitical tensions escalate, the launch of the digital euro might be too late, as it may not be operational until after the end of Trump's presidency [4][7].

Core Viewpoint - The issue of difficulty in canceling "no-password payment" has gained market attention, with consumers reporting that it is easy to activate but challenging to deactivate [1][9]. Group 1: Consumer Complaints - Consumers have expressed frustration over the hidden and complicated process of canceling "no-password payment," often requiring multiple steps to complete [1][9]. - A significant number of complaints have been recorded, with 16,122 complaints related to "no-password payment" in 2025, averaging 44 complaints per day, primarily concerning unintentional activation and difficult cancellation [9]. Group 2: User Experience Challenges - The activation of "no-password payment" can occur with a single click, often with default settings that consumers may overlook, while the cancellation process involves navigating through several pages [1][9]. - Older consumers, such as a 60-year-old woman, have reported confusion and difficulty in managing payments due to the automatic deduction feature associated with "no-password payment" [7][9]. Group 3: Industry Practices - Some platforms are accused of implementing "friction design" to complicate the cancellation process, thereby encouraging consumers to remain subscribed and generate ongoing revenue for the platforms [9]. - The Chinese Payment and Clearing Association has called for payment service providers to enhance security management for "no-password payment," emphasizing the need for clear user consent and information disclosure [10].

Core Viewpoint - Europe urgently needs to reduce its dependence on American payment giants like Visa and Mastercard, as their market dominance could be weaponized in the event of deteriorating transatlantic relations [1][5]. Group 1: Current Situation and Concerns - The European Payments Initiative (EPI), comprising 16 European banks and financial services companies, highlights the heavy reliance on international payment solutions, with a lack of cross-border alternatives [1][5]. - In 2022, Visa and Mastercard accounted for nearly two-thirds of card transaction volumes in the Eurozone, with 13 member countries lacking local alternatives to American providers [1][5]. - As cash usage declines, European officials express increasing concern that American payment companies' influence could be used as a tool in geopolitical conflicts [1][5]. Group 2: Initiatives and Developments - The EPI plans to launch a European version of Apple Pay called Wero in 2024, currently having 48.5 million users in Belgium, France, and Germany, with plans to expand by 2027 [2][6]. - The European Central Bank (ECB) is promoting the "digital euro" project to enhance the EU's monetary sovereignty and reduce reliance on external payment systems [3][7]. - By 2029, merchants in the Eurozone will be required to accept digital euro payments, with the underlying infrastructure open to private sector development [3][7]. Group 3: Challenges and Warnings - There are concerns that the digital euro may arrive too late if geopolitical tensions escalate, as it will take several years to implement [4][8]. - The ECB has noted difficulties in scaling previous private sector projects, indicating challenges in reaching consensus on unified standards among participants [2][6].

欧洲支付倡议组织（EPI）负责人警告，欧洲对Visa和万事达等美国支付集团的依赖过高，要警惕跨大 西洋关系恶化；如若欧美关系严重破裂，这两家美国支付公司的主导地位可能被"武器化"。 ...

Group 1 - The European Union is advancing the digital euro initiative to reduce dependence on non-EU tech giants in critical payment sectors, with legislation expected to be approved by the end of 2026 and a pilot program by the European Central Bank (ECB) in 2027 [3] - Currently, approximately 70% of card transactions in the eurozone rely on non-EU payment platforms, highlighting the need for the digital euro to enhance payment autonomy and lower business costs [3] - The ECB has emphasized that the digital euro will coexist with cash and existing payment methods, requiring robust legal and privacy protections [3] Group 2 - Gold futures are currently trading at around 1127.80 yuan per gram, with a daily decline of 4.05%, and have fluctuated between a high of 1133.16 yuan and a low of 1098.38 yuan [4] - The technical outlook for gold futures indicates a dominant upward structure, with strong support at 1079.28 yuan per gram and resistance levels at 1158.67 yuan and 1203.05 yuan [4] - Market sentiment suggests a high volatility range between 1130 and 1170 yuan per gram, influenced by profit-taking pressures and a strengthening US dollar, while global central bank gold purchases and demand during the Spring Festival provide support [4]