2026年伊始，数字人民币APP迎来系列重磅更新。在完成2.0版升级、实现钱包余额计息功能后，该APP 生活服务专区近日悄然上线"碳普惠"小程序服务，并率先在上海地区落地。 证券时报记者体验后发现，在开启该功能之后，数字人民币APP将自动记录用户通过各类绿色低碳行为 所产生的碳减排量，并将其量化为"碳积分"。这些积分如同绿色行为的"数字存折"，可以按照一定规则 兑换成数字人民币，实现了绿色行为向经济收益的直接转化。 有分析人士向证券时报记者表示，上述举措为数字人民币开辟了极具社会价值和生活气息的创新应用场 景，使其更深入地融入百姓日常生活，从而获得更加快速的普及推广。 实际上，这种"地方创新，国家赋能"的模式已有先例，绿色低碳方式融入数字人民币生态也是水到渠 成。早在2021年，青岛便上线了以数字人民币结算的"青碳行"平台，并于2024年首创了碳减排量直接抵 扣地铁乘车费用的应用。 近年来，企业与政府纷纷开展碳普惠模式创新实践。企业多围绕自身主营业务，将用户减排行为融入具 体应用场景。比如，通过外卖选择不要一次性餐具、骑行共享单车、使用电子支付等方式积累碳积分。 部分政府部门则通过自主建设或政企协作搭建碳普惠 ...

1月8日，记者了解到，为丰富数字人民币在"绿色金融"场景的运用，数字人民币运营管理中心协调并支持业务运营机 构构建碳普惠领域的创新应用场景，在数字人民币App内推出"碳普惠"小程序服务，并率先在上海地区上线。 "碳普惠"小程序首批接入Metro大都会（上海地铁）、哈啰出行和T3出行三大平台。用户打开数字人民币App，进入服 务页，找到"碳普惠"小程序，点击开通功能并完成上述场景绑定，后续在合作平台的低碳出行行为将自动计入碳积分，碳 积分可兑换数字人民币。值得注意的是，兑换前需开通数字人民币钱包，并升级为实名钱包。 记者获悉，目前，只有通过上海Metro大都会乘坐地铁、哈啰出行使用共享单车、T3出行打新能源车才能计入碳积 分。每1250g碳积分可兑换0.01元数字人民币。 下一步，数字人民币运营管理中心将协同业务运营机构，持续引入更多低碳场景。同时，加快拓展参与地区，构建多 城市协同的碳普惠服务网络。 ...

（文章来源：证券日报） 证券日报网讯 1月6日，金一文化在互动平台回答投资者提问时表示，公司子公司开科唯识数字人民币 业务从个人、企业和政府的数字化支付场景着手，打造数币聚合钱包产品，用户通过开立基于唯一 OpenID数字身份证的数字人民币聚合钱包即可快速获取数字金融服务，通过"数字人民币钱包+传统账 户"的新型账户组合，共同实现公交地铁、商超购物、数字红包等数字现金与银行账户组合支付消费场 景，同时为商户、政府机构拓展数币钱包作为结算账户实现智能支付实时结算业务，通过数字人民币社 保缴费、缴税以及学费、水电费等民生缴费事项实现智慧政务，为市民提供高效安全的便民服务，满足 客户多样化的支付需求。 ...

OSL集团执行董事兼首席执行官崔崧表示，完成收购Banxa对于OSL集团构建全球稳定币交易与支付生 态举足轻重。通过在短时间内搭建起一张覆盖全球、无缝连接法币与数字资产的合规交易与支付网络， 我们不仅取得了行业先行者的优势，更为日后协同发展OSL集团的各项支付业务打下了坚实的基础，从 而能够更好的服务实体经济，满足市场殷切的跨境商业支付需求。 消息面上，OSL集团发布公告，已完成对Web3支付服务供应商Banxa Holdings Inc.的战略收购。在全面 整合Banxa的国际支付网络后，OSL集团将取得包括美国、加拿大、欧盟、英国与澳大利亚等地逾40张 交易与支付牌照和注册。 智通财经APP获悉，OSL集团(00863)再涨超5%，截至发稿，涨3.53%，报17.58港元，成交额3326.81万 港元。 ...

Group 1 - NayaPay, a Pakistani fintech platform, has partnered with Ant Group's Alipay+ to launch a global QR code payment service, allowing millions of NayaPay users to make payments at Alipay+ partner merchants in over 50 countries, enhancing cross-border payment security, convenience, and cost-effectiveness [1] - The CEO of NayaPay, Danish A. Lakhani, stated that the company aims to provide an international payment experience for the people of Pakistan, and this partnership is a significant step towards that goal [1] - NayaPay had previously partnered with Alipay+ in April 2024, becoming the first platform in Pakistan to enable users to make payments at 80 million Alipay+ partner merchants in mainland China [1] Group 2 - Alibaba Group's involvement in Pakistan's digital payment sector dates back to March 2018, when Ant Group invested $184.5 million for a 45% stake in Telenor Group's microfinance bank, helping to upgrade the local mobile wallet Easypaisa into a "Pakistani version of Alipay" [2] - Easypaisa has grown to become Pakistan's largest digital payment platform, with over 50 million users and processing 2.8 billion transactions in 2024, serving as a crucial pillar for the local digital economy [2] - Following the 2025 Shanghai Cooperation Organization summit, Alibaba signed a memorandum of understanding with Pakistan's Ministry of Information Technology, indicating that the collaboration is a vital step for Pakistan's digital economy, promoting innovation and enhancing the country's participation in global digital trade [2]

Core Viewpoint - Recent policies from central and local governments aim to significantly boost consumption through financial tools and support, indicating a strong commitment to enhancing consumer spending [1] Group 1: Policy Focus Areas - The policies are driven by a dual approach of "commerce" and "finance," targeting the entire consumption chain [3] - The first key area is the upgrade of "physical goods," specifically mentioning durable consumer goods and digital products, with a strong emphasis on automobiles [3] - The second key area focuses on the expansion and quality enhancement of "service consumption," including sectors like home services, tourism, elderly care, education, and healthcare [3] - The third key area is the cultivation of "new consumption," highlighting green consumption, digital consumption, and the integration of technology with consumption [4] Group 2: Investment Opportunities - Long-term investment strategies should focus on sectors backed by national blueprints with significant market potential, such as smart connected vehicles, consumer electronics, and the silver economy [5] - Short-term investment opportunities include sectors directly benefiting from policies like the trade-in programs and financial support for durable goods, as well as those recovering from service consumption, such as tourism and offline retail [5] - Technology companies providing infrastructure for new consumption, such as digital payment and e-commerce service providers, are also highlighted as potential investment targets [5]

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].