12月16日，中国国际服务贸易交易会"服贸大咖谈"之区域篇——走进西城宣传活动成功举办。来自西城区商务局、车车科技、全聚德、张一元、华天饮食、 联动优势科技、菜百等政府部门及企业代表与媒体深入交流，畅谈服贸会在促进区域经济发展、老字号守正创新、海外市场拓展等方面发挥的重要作用。 多维赋能区域经济发展 西城区商务局副局长、三级调研员赵观宇表示，对西城区来说，服贸会不仅是一个展会，更起到了"展示窗口""合作桥梁""增长引擎"的多重作用。2025年服 贸会期间，西城区招商引资与经贸合作成绩亮眼。全区预筹金额突破16.5亿美元，较上届增长71.5%，金额完成率位列全市第一。西城区还利用服贸会平台 启动了"央地合作·出海领航计划"，特别是中东专场活动，促成了中国国际商会与沙特企业的合作，帮助西城的金融、科技企业等拓展国际市场。通过服贸 会，西城充分展示了打造"中国资产管理高地""中国数据街"以及老字号焕新的成果，彰显了西城发展核心特色，提升了优势产业的影响力，吸引了相关产业 链企业集聚。通过服贸会上的"两区"发布，向全球客商展示了西城优质的营商环境。通过举办"相约西城"等一系列高规格的论坛和签约，为企业搭建了央地 合作 ...

12月16日金融一线消息，微信安全中心今日发文指出，近期，诈骗分子冒充"保密局""平台客"网银后 台"服"等工作人员，通过陌生电话联系受害人，谎称其微信、支付宝等平台的"免密支付"功能已开通或 关联了自动扣费服务，若不关闭将连续扣费。 随后，引导受害人访问指定网址，下载具有屏幕共享或远程控制功能的恶意软件。一旦安装，诈骗分子 便可远程操控受害人手机（常出现黑屏），并诱导其进行刷脸认证、输入银行卡密码、短信验证码等关 键操作，从而盗转账户资金。 对此，微信安全中心提醒称： 微信支付"免密支付"功能本身不收取任何费用，任何以"关闭免密支付"为由指导操作、索要收费或要求 下载软件的，都是诈骗。 切勿与陌生人开启"屏幕共享"或下载来源不明的App，此类软件可能隐藏远程控制功能，导致手机被操 控、信息被窃取。 公检法及正规机构不会通过电话指导操作转账、下载软件或索要人脸、密码、验证码等敏感信息。 如对支付功能有疑问，应通过微信、支付宝等官方App内的客服渠道核实，勿轻信外来电话。 一旦发现被骗，立即冻结银行卡并报警，保留通话记录、软件名称等证据。 同时，微信安全中心表示，用户可随时通过以下路径，在微信内自主查看与管理免 ...

在微信、支付宝牢牢霸占近9成份额的中国移动支付江湖，赫然出现了一个新的"闯入者"！ 张一鸣落子无悔？ 日前，抖音App悄然上线了一个新功能——"抖音买单"，虽然抖音未进行任何推广，但依旧逃不过眼尖的媒体和 基数庞大的网友的火眼金睛，它就像一颗"重磅炸弹"，引爆了平静许久的移动支付行业。 据Tech星球报道，抖音买单目前已在上海、深圳和杭州等多个超一线都市试点，拟在覆盖餐饮 、便利店、生鲜超 市、生活服务、休闲娱乐等高频次线下消费场景，目前首批合作商家中包括连锁品牌门店和本地中小商户。 抖音支付的"可怕"之外，跟小米杀入互联网江湖的逻辑极像——恐怖如斯的效率和超级兼容性！ 在商家侧，只需在抖音商户后台提交相关资质，并开通"抖音买单"权限即可通过服务商领 取买单设备即刻上线该 服务。 在消费侧，消费者可以在商家门店，通过抖音 App扫码官方的买单设备后，跳转至商家的"买单"界面进行支付。 并且还可选择支付宝、微信支付、抖音支付等方式完成付款，全程无需跳转至第三方应用，支付闭环在抖音App 内即可完成。 并且还有消息称，今年7月，抖音支付团队已经在测试"碰一下"支付功能，即用户只要将手机轻触收款设备即可完 成支付， ...

以下文章来源于邱处机 ，作者邱鑫浩 邱处机 . 专门研究商业牛人 作者： 邱鑫浩 来源： 邱处机 近日，抖音 App 悄然上线了一项名为"抖音买单"的新功能。 ------------------------------ 在 上海、深圳、杭州等 试点城市，消费者到店消费时，只需用抖音 App 扫描商家专用的支付设备 二维码，即可进入"买单"页面，手动输入金额后，选择抖音支付、支付宝或微信支付，即可完成交 易。 从 2020 年低调收购支付牌照，到今年初大手笔增资 20 倍，再到如今携"抖音买单"正式踏入线下 收单市场， 张一鸣的支付野心正在逐步兑现。 01 补齐短板 张一鸣对支付领域的布局始于牌照 。 2020 年 8 月，字节跳动通过全资收购武汉合众易宝科技有限公司，一举拿下互联网支付牌照。五 个月后，抖音支付正式上线，初期仅用于抖音生态内的充值、提现、转账等基础功能。 2025 年伊始，抖音支付科技有限公司进行了一次引人瞩目的资本动作，注册资本从 1.5 亿元猛增 至 31.5 亿元，增幅高达 20 倍。 这一增资幅度在非银支付行业名列前茅，使其注册资本仅次于腾讯旗下的财付通、 PayPal 的贝宝 支付 ...

"打飞的专程来吃娘惹菜""几分钟丝滑入境"……在社交平台上，越来越多中国游客分享着在马来西亚旅 行时感受到的轻松与便利。今年11月下旬，南方财经21世纪经济报道记者也前往马来西亚，实地体验免 签政策如何让这里成为越来越多中国游客"说走就走"的目的地。 在走访的过程中，记者发现，马来西亚之所以能让中国游客"来了还想来"，不仅在于其独特的文化风 情，更得益于持续完善的服务体系——包括不断扩大的微信、支付宝等移动支付场景。为测试其便利程 度，记者在马来西亚亲身体验了一场"无现金一日挑战"！从吃早餐到参加榴莲嘉年华，中国的移动支付 在吉隆坡可以丝滑使用。来看看我们的无现金手机自由行之旅吧。 设计：刘妍妍 （原标题：东盟调研行｜记者亲测！在马来西亚实现"手机自由行"） 策划：和佳 拍摄：肖航 制作：龙沁 南方财经21世纪经济报道记者胡慧茵 特约记者龙沁 吉隆坡报道 从清晨到深夜，吉隆坡机场人流如织，手持中国护照的游客身影随处可见。这正是自中马互免签证政策 落地以来，两国人员往来持续升温的生动写照。 ...

26年前，马云创办阿里巴巴，立志让天下没有难做的生意；21年前，支付宝成立，为无数的用户和商家提供了便捷的支付，仍然是在践 行阿里的使命。 如今，从阿里分拆出来的蚂蚁集团已经带着支付宝走向了全球，让更多的海内外用户和商家，跨境支付不再是难题，生意也更好做了。 随着元旦、春节的临近，新一波旅游旺季来临，翻看朋友圈，越来越多好友走出国门，分享着海外旅游打卡的美照。支付宝的跨境支付 等业务也被越来越多的人了解和使用，深耕海外的支付宝吃到了全球消费市场的红利。 作为跨境移动支付和数字化平台，Alipay+已经将亚太地区的40个电子钱包及11个国家二维码网络纳入自己的合作"朋友圈"，并在全球百 余个市场插旗。而这还只是蚂蚁国际版图的一角。 除Alipay+外，蚂蚁国际的Antom、WorldFirst以及嵌入式金融服务这四大业务，先一步在跨境游、企业出海的机遇中占据了C端支付、B 端收单、B2B收付兑这些关键的跨境支付入口。 因此，在去年蚂蚁集团"一拆四"的组织架构调整中，迅速向外生长的国际业务得以独立，成为整个集团"化整为零"后最有可能走出独立 业绩，甚至重返资本市场的先头部队。 全球"扫码" 十年前，业界对全球支付 ...

如果把移动支付这十年的变化拍成一部纪录片，支付宝无疑是开场的主角：凭借淘宝崛起、拿到金融牌照、占领线下收银台，曾经几乎是所有中国人的默认 支付方式。 谁更省心、谁更顺手，谁就能赢。 而微信支付不是靠"更专业"脱颖而出，而是靠"更顺手"。 它深度绑定社交场景，每当我们聊天、发语音、看朋友圈、刷小程序的时候，支付功能就非常顺手，一点即可用。 相比之下，支付宝像一把专业的支付工具，功能多，操作强，但"不方便"。 你得退出聊天、回到桌面，再打开它，才能完成支付。 本来转手就能操作的，一下就要多几个步骤，有时候一懒，就不愿意折腾了。 但时间来到今天，街边早餐店、邻里便利店乃至卖菜阿姨，你会发现，微信却成了绝大多数。 为什么人们越来越多选择微信，而不是继续使用更早、更专业的支付宝？ 其实，移动支付的发展，争夺的不是技术，而是人们的"使用习惯"。 正如上面所说，支付宝常被视作"金融工具"，而微信更像是"日常生活"。 所以，两者的用户结构差异，比想象中更深。 在一线地区与网购用户中，支付宝更受欢迎； 在下沉市场、线下消费、小额支付领域，微信则明显占上风。 2025年一季度数据显示，微信支付市场份额已突破60%，原因很现实：小 ...

Group 1: Currency and Economic Factors - The central parity rate of the RMB against the USD is 7.0796, marking a nearly one-year high for appreciation [2] - The RMB is approaching the critical level of "7", with the possibility of breaking this level if the strong trend continues [2] - The appreciation of the RMB is attributed to three main factors: positive progress in China-US trade negotiations, narrowing interest rate differentials between China and the US, and increased inflow of hot money driven by rising RMB-denominated assets [2] Group 2: A-Share Market Outlook - International investment banks are optimistic about A-shares, with Morgan Stanley predicting further increases by 2026, and UBS expecting another fruitful year for Chinese stocks [3] - Goldman Sachs highlights that the rise of Chinese stocks is driven by artificial intelligence (AI) applications, contrasting with the US focus on computing power [3] Group 3: Technological Advancements and Market Potential - China has demonstrated strong competitiveness in technology applications, particularly in sectors like new energy vehicles and mobile payments, which are expected to foster growth in AI [4][5] - The application of AI, particularly in robotics, is anticipated to create significant market opportunities, with ETFs tracking the robotics sector showing promise [5][6] - The transition of robots from laboratories to everyday life is expected to expand market space, supported by advancements in chips and optical modules [6] Group 4: Future Projections for AI and Technology Stocks - Concerns about an AI bubble are deemed premature, especially for Chinese tech stocks, which are considered undervalued compared to US counterparts [6][7] - Alibaba's CEO suggests that there will be a supply-demand imbalance in AI resources over the next three years, indicating continued opportunities for global tech stocks [7] - The influx of hot money into China is expected to further support the appreciation of the RMB [7]

Core Insights - Alipay's "Tap to Pay" feature has rapidly gained popularity, reaching 200 million users within a year of its launch, with 80% of users preferring this method over traditional scanning [2][19][24] - The feature utilizes NFC technology, allowing users to complete transactions without opening the app, thus simplifying the payment process [1][20][28] Group 1: User Adoption and Growth - "Tap to Pay" surpassed 100 million users within 321 days of its launch, and the user base doubled from May to September this year [2][19] - Nearly 1 billion users have experienced various "Tap to Pay" services, with a significant preference for this method among users [2][19] Group 2: Marketing Strategies - Alipay has implemented several strategies to promote "Tap to Pay," including continuous red envelope giveaways to encourage user engagement [4][19] - The introduction of low-cost NFC hardware in the form of stickers has made it easier for small businesses to adopt the technology, leading to over 10 million merchants supporting "Tap to Pay" [6][8] Group 3: Expanding Use Cases - The "Tap to Pay" feature is not limited to payments; it has expanded into various applications such as ordering food, unlocking shared bikes, and checking into hotels [9][11] - Alipay is actively collaborating with merchants and ecosystem partners to promote "Tap to Pay," enhancing its market presence [12][18] Group 4: Security Measures - To address security concerns associated with "Tap to Pay," Alipay has introduced a compensation guarantee for users who experience account theft or payment issues [19][28] - Each transaction generates a unique encrypted token, ensuring user information is protected [19] Group 5: Market Positioning - Alipay aims to lead the next wave of payment technology, positioning "Tap to Pay" as a more intuitive alternative to traditional scanning methods [24][25] - The NFC technology's penetration rate among smartphones in China has reached 70%, indicating a favorable environment for the adoption of "Tap to Pay" [28][29]

Core Viewpoint - Douyin has initiated offline payment testing, allowing consumers to use Douyin Pay in daily shopping and dining scenarios, aiming to simplify the payment process and enhance user experience [1][6]. Group 1: Douyin Pay Development - Douyin Pay has obtained an internet payment license through the acquisition of Wuhan Hezhong Yibao Technology Co., which was officially renamed Douyin Payment Technology Co., Ltd. in June 2024 [3][4]. - Following the acquisition, Douyin Pay has expanded its services to include offline payment capabilities, significantly increasing its e-commerce gross merchandise volume (GMV) from 200 billion yuan to 3.43 trillion yuan by 2024, making it the third-largest player in the market [4][10]. - Douyin Pay's registered capital has increased to 3.15 billion yuan, positioning it as the fourth-largest payment institution in China [17]. Group 2: Competitive Landscape - The Chinese mobile payment market is dominated by Alipay and WeChat Pay, which together hold over 90% market share, making competition for Douyin Pay challenging [12][14]. - Alipay's transaction volume is projected to reach 200 trillion yuan in 2024, with a slight increase expected in 2025 [14]. - Douyin Pay's rapid expansion into payment scenarios and financial services, including consumer loans and installment payments, is seen as a direct response to the competitive pressure from Alipay and WeChat Pay [19][21]. Group 3: Strategic Initiatives - Douyin is focusing on building a comprehensive financial ecosystem by integrating payment services with its content and e-commerce platforms, aiming to replicate successful models like Alipay's Yu'ebao [11][21]. - The company is also exploring cross-border payment solutions, starting with TikTok's e-commerce initiatives in markets like Indonesia and the UK [10][11]. - Douyin Pay's promotional strategies, such as offering zero-interest loans, are designed to attract more users and enhance its financial service offerings [19][21].