1Password 开发团队的最新一期播客节目谈了很多有关网络安全相关的暴论（Hot takes），例如发往邮箱的登录链接到底安不安全、口令会不会在 2026 年 式微，以及 VPN 到底能不能保护好安全等。 如果让我提出一个有关网络安全的暴论，我会提出「安全键盘并不能守护你的账户安全」。这句话里的「安全键盘」，泛指包括中国大陆在内的、部分国 家或地区的手机银行 app 中，普遍性地在密码输入框中使用的那套自己实现的触屏软键盘。 如果要让我评价中国大陆金融机构近十年以来最抽象的几个网络安全操作，它应该能排进前三位。 安全键盘是怎么来的？ 让我们把时间往回拨 30 年，来到个人电脑甚至还没有完全普及的年代。早在 1997 年，招商银行就推出了面向零售和个人的网上银行服务「一网通」。 这应该比大多数人想象的要早得多，毕竟彼时距离发出那封著名的「越过长城走向世界」邮件只过去了十年，彼时的 QQ 也还叫做 OICQ。这个时候个人 电脑普及率没那么高，基本上得是「万元户」可能才会有一台家人共享的电脑。但包括即时通讯、网络游戏和网上银行在内的互联网应用的兴起，依然促 成了一波对互联网需求的高峰，而彼时基础设施和个人电脑普 ...

线上消费同步加码，焕新升级。自2026年1月1日起，城北区联合中国银联"云闪付"平台开展"元旦欢乐 购·悦享在城北"线上专题促消费活动。活动覆盖酒店住宿、商超百货、餐饮美食、家电数码等多重业 态，提供阶梯式满减及折扣优惠：酒店住宿满200元减50元；商超百货满500元减120元、满300元减70 元；餐饮美食享7折优惠，单笔最高减200元；家电数码满5000元减500元、满10000元减1000元。通过打 造便捷高效、体验丰富的线上"一站式"年货采购平台，活动着力激发数字消费潜力，助力区域消费市场 提质扩容。 为了巩固并扩大在能源消费领域的拉动优势，城北区与中石油携手推出"冬游城北、油礼相约"专项活 动。政府发放加油满减券，企业配套会员折扣，双重让利进一步激发元旦期间市民自驾出游与关联消费 活力。同时，为确保惠民政策精准触达、高效兑付，本次活动的消费券发放创新采用主要商圈快闪派 发、高校定向投放、冰雪烩现场设点发放等多渠道、靶向性模式，力求覆盖更广人群，实现政策红利最 大化、普惠化。 西宁市城北区发展和改革工业信息化局相关负责人表示，此次系列促消费活动是全区深入贯彻落实中央 及省、市关于着力扩大内需、提振消费 ...

Core Viewpoint - Since 2025, China's cross-border trade and personnel exchanges have significantly increased, providing strong momentum for the development of cross-border payments [1] Group 1: Cross-Border Payment Trends - The cross-border payment industry is undergoing transformation, moving away from a single funding channel model towards diversified scenarios, full-chain services, and global layout [1][2] - The demand for cross-border consumption is driving innovation in payment services, with a shift from focusing solely on large corporate transactions to including small personal transactions [3] - The integration of QR code payment systems across borders is rapidly advancing, enabling real-time currency conversion and optimizing cross-border settlement processes [3] Group 2: Infrastructure and Policy Support - The continuous improvement of infrastructure supports technological innovation, with the CIPS system covering 189 countries and processing 4.03 million transactions in the first half of the year [5] - Recent policies have provided critical support for diversified payment scenarios, simplifying processes and establishing standards for cross-border payment innovations [6] Group 3: Evolving Role of Cross-Border Payment Providers - Cross-border payment services are evolving from mere payment facilitation to comprehensive support for businesses, including market research, resource matching, and fund management [7] - Companies are launching products that support multiple currencies and financial management, reducing operational costs and risks for cross-border sellers [8] Group 4: Addressing Market Challenges - Cross-border enterprises face challenges due to varying payment environments in different markets, leading to the development of unified payment solutions to streamline operations [9] - Payment providers are enhancing their service offerings by integrating financial services into business scenarios, creating a closed loop of "payment + value-added services" [10] Group 5: Global Expansion and Compliance - Companies are expanding their global presence by obtaining various payment licenses and establishing local offices to address compliance challenges [10][11] - The establishment of a comprehensive global payment license framework supports operations in over 100 countries and regions, facilitating transactions in more than 130 currencies [11]

Amy一家在北京用餐（右一为Amy） 本报（chinatimes.net.cn）记者付乐 北京摄影报道 2025年以来，我国跨境贸易、人员往来活跃度显著回升，为跨境支付注入了强劲发展动力。 12月25日，记者走访了全国首个"入境消费友好型商圈"北京蓝色港湾。时值圣诞节点，商圈内不少外籍 消费者穿梭驻足，消费支付环节便捷顺畅。 走访过程中，记者采访了来自厄瓜多尔的Amy（化名）一家，Amy称，自己到中国之前已经下载了微信 支付和支付宝这两个软件。 "今天是我和姐姐刚到中国的第一天，专程和父母一起过圣诞节。我父母已经来中国一个月了，一家人 打算在这里待一年零两个月。"Amy笑着补充道。从餐饮消费到礼品选购，移动支付已成为他们在华日 常消费的主要方式。 除了入境消费端，跨境支付行业的变革正在上演。《华夏时报》记者采访多家跨境支付机构发现，2025 年以来，跨境支付政策红利持续释放，底层基础设施建设不断完善，叠加金融科技的赋能，正共同推动 行业告别以往单一的资金通道模式，朝着场景多元化、服务全链路、布局全球化的方向加速演进。 空中云汇相关负责人对本报记者表示，这本质是行业应对贸易场景多元化、合规要求精细化、服务需求 ...

由中国交建所属中国港湾承建的越南朔庄一期海上风电项 目。 马礼明摄 开栏的话 历史关键年份，世界见证中国担当。 2025年，中国元首外交精彩纷呈、高潮迭起、成果丰硕。习近平主席4次出访，足迹跨越东南亚、俄罗 斯、中亚、东北亚，并在釜山举行中美元首会晤。在国内，习近平主席出席中拉论坛第四届部长级会议 开幕式并发表主旨讲话；主持上海合作组织天津峰会并提出全球治理倡议；在纪念中国人民抗日战争暨 世界反法西斯战争胜利80周年大会上发表重要讲话；在全球妇女峰会上发表主旨讲话等。每一次握手， 每一次讲话，每一项成果，都是中国与世界各国携手同行、命运与共的生动写照，更是推动构建人类命 运共同体的深刻实践。习近平主席以穿云破雾的战略远见、合作共赢的宏大格局和计利天下的深厚情 怀，在波澜壮阔的国际舞台上，镌刻下中国特色大国外交的鲜明印记。 为记录这不平凡的一年，本报自今日起推出"大国外交·2025年度回眸"栏目。我们邀请亲身参与和见证 这些重要时刻的外国友好人士、中国驻有关国家大使，以及奋战新闻一线的本报记者等，以生动讲述、 细腻观察和深刻评论，共同回望那些意义非凡的大国外交现场，重温中国与世界互动交融的澎湃脉动， 感受中国作 ...

示范区建设始终坚持"一个不能少"的原则。针对园区内老年群体普遍存在的行动不便、不熟悉电子支付 流程等问题，川渝两地中国人民银行分支机构联手推进双昌产业园支付服务适老化改造。目前，已完成 园区内22个银行网点的软硬件升级，开设绿色通道，配备放大镜等便民设施。与园区内60个村居委会建 立协作机制，依托村干部和银行志愿者，为老年人提供上门服务，开展密码修改、激活社保卡等各类支 付服务活动55次，让普惠支付的真情实意温暖千家万户。（本版制图 龚甜甜） 以此为契机，该行以点带面，联合中国人民银行内江市分行在双昌产业园共同打造农村支付服务示范 区。然而，示范区的建设并非简单铺设机具，需要深度融入产业生态。川渝两地中国人民银行分支机构 指导银行机构为园区内2374家商户持续减免支付手续费，今年以来累计减免102.76万元，切实降低企业 经营成本，并为特色产业商户提供代发工资、结算账户等10余种支付服务，帮助园区企业打造智慧支付 场景12个，形成覆盖生产、加工、销售全链条的支付生态圈，有效激活产业发展的金融血脉。 为解决农村地区金融服务效率问题，中国人民银行永川分行积极探索数字化赋能新路径，指导农行荣昌 支行制定《志愿者管理 ...

Core Viewpoint - The article emphasizes the significance of the Hongmeng ecosystem, highlighting the collaborative efforts of developers and partners in building a robust Chinese operating system, which is now gaining momentum and user adoption [3][21]. Group 1: Event Overview - The Hongmeng Starry Night Gala, co-hosted by the Central Radio and Television Station and the Guangdong Provincial Government, aims to celebrate Chinese technology and the contributions of users, developers, and ecosystem partners [3][5]. - The gala is not merely a celebration but a tribute to the spirit of developers and the collective journey of the Hongmeng ecosystem [3][5]. Group 2: Challenges in System Development - Developing an operating system is extremely challenging, especially in a market dominated by established players, making it hard for users and developers to transition to a new system [7][9]. - The article illustrates the complexities faced by applications like "Yuezhengyi," which has 2.6 million users and processes over 10 million messages daily, emphasizing the risks involved in adapting to the Hongmeng system [7][9]. Group 3: Growth and Collaboration - The growth of the Hongmeng ecosystem is marked by significant milestones, with the number of terminals reaching over 23 million and the open-source code exceeding 130 million lines, showcasing the community's contributions [14][22]. - The collaboration among developers has been crucial, with the number of Hongmeng terminals growing from 0 to 10 million in ten months, and then to 20 million in just two months, indicating a rapid adoption rate [13][14]. Group 4: Future Prospects - The article suggests that the most challenging phase of building the Hongmeng ecosystem has passed, and the future looks promising with increasing user engagement and application development [21][22]. - The ecosystem is positioned as a unique opportunity for developers to contribute to a homegrown system, with the potential to reshape industry standards and practices [22].

Core Viewpoint - The article emphasizes the collective effort of millions of developers in building the HarmonyOS ecosystem, showcasing China's rapid technological advancement and collaborative spirit in innovation [3][5][23]. Group 1: HarmonyOS Ecosystem Development - The maturity and evolution of an operating system are achieved through continuous debugging, iteration, and optimization by developers, rather than through high-profile launch events [3][5]. - The HarmonyOS ecosystem has rapidly transitioned from technological independence to ecological prosperity, demonstrating remarkable "Chinese speed" [3][5]. - The upcoming "Harmony Starry Night Festival" symbolizes the collaborative spirit of the ecosystem, reflecting the strategic alignment between national direction and local government initiatives [5][6]. Group 2: Collective Efforts and Challenges - The development of HarmonyOS is characterized by a "one body, multiple faces" growth model, where speed, romance, and trust coexist and enhance each other [7][8]. - Developers have faced extreme challenges, such as high-pressure testing environments, which have contributed to the ecosystem's growth and resilience [8][10]. - The emotional connections formed during collaborative efforts, such as shared meals and team commitments, add a human touch to the technical achievements [10][11]. Group 3: Innovation and Experience Quality - The essence of HarmonyOS's acceleration lies in trust and collaboration among teams, which fosters a sustainable ecosystem [11][14]. - The ecosystem's maturity is not solely based on the quantity of applications but on the overall quality of user experience, transitioning from "usable" to "better usable" [14][21]. - HarmonyOS enhances operational efficiency and user experience through innovative features, such as WPS's "instant document opening" and seamless multi-device interactions [15][16]. Group 4: Cross-Device and Cross-Scenario Integration - HarmonyOS has evolved into a collaborative foundation that provides consistent experiences across various devices and scenarios, including travel, daily life, governance, finance, and entertainment [20][21]. - The system's distributed capabilities allow applications to deliver a unified experience across different devices, transforming isolated services into continuous life experiences [16][19]. Group 5: Long-term Commitment and Support - The HarmonyOS ecosystem represents a significant milestone in China's technological independence, supported by substantial investments in developer incentives and AI innovation [23]. - The ecosystem encourages participation from developers of all sizes and backgrounds, fostering an inclusive environment for innovation [23].

Core Viewpoint - The Bank of China Yunnan Branch has launched a comprehensive financial education campaign themed "Smart Card Safe Payment," aimed at enhancing financial consumer safety across various demographics in the province [1][7]. Group 1: Financial Education Initiatives - The branch has transformed its service halls into "financial knowledge hubs," utilizing banners, brochures, and risk warning signs to create an engaging educational atmosphere [2]. - Staff members act as "financial ambassadors," providing on-site training on mobile banking, digital currency, and payment tools, while also offering personalized guidance on card usage and credit protection [2]. Group 2: Targeted Outreach Programs - The bank has conducted specialized actions focusing on "salary card safety management" in local enterprises, addressing common workplace scams and providing practical skills for financial security [3]. - In collaboration with universities, the bank has organized lectures on safe payment practices, using interactive methods to educate students about the dangers of campus loans and online scams [4]. Group 3: Community Engagement - The bank has reached out to middle-aged and elderly populations in communities, offering "anti-fraud micro-classes" that explain prevalent scams and teach basic payment operations [4]. - The initiative emphasizes the importance of security principles such as "do not trust, do not transfer, do not disclose" to help older adults navigate digital financial services safely [4]. Group 4: Comprehensive Financial Education Ecosystem - The bank has established a "financial knowledge harbor" to disseminate essential information on ATM safety, online banking verification, and credit card management, ensuring broad coverage across urban and rural areas [5]. - The campaign has successfully reached various demographics, conducting nearly a hundred specialized events and distributing over ten thousand educational materials, engaging over ten thousand participants [7].

Core Insights - The article discusses how China UnionPay is leveraging digital intelligence to establish a new "four-party model" to enhance its market position, competitiveness, and influence in international payments, thereby providing a Chinese solution for global payment systems [2][4][41]. Group 1: Cross-Border Payment Initiatives - The launch of cross-border QR code interoperability between China and Indonesia marks a significant step in facilitating seamless payments for Chinese tourists abroad [3][4]. - China UnionPay is responsible for cross-border clearing, with Ant International providing technical support and Bank of China Hong Kong serving as the RMB settlement bank [4][38]. - The establishment of a unified gateway for cross-border QR codes, guided by the People's Bank of China, aims to enhance the efficiency and stability of cross-border payment systems [4][41]. Group 2: Strategic Goals and Market Positioning - UnionPay's new leadership has set strategic goals focused on "platformization, digital intelligence, and globalization" to address structural challenges and enhance its competitive edge [9][10]. - The company aims to integrate new market participants, such as service providers and wallet apps, into its operational framework to strengthen its new "four-party model" [8][12][33]. - UnionPay's historical mission has been to consolidate the payment market, and it is now adapting to the challenges posed by emerging payment entities [6][9]. Group 3: Technological Transformation and Innovation - The payment industry is undergoing significant structural changes, with digital technology expanding payment scenarios and new third-party payment entities entering the market [5][19]. - UnionPay is focusing on technological applications rather than pure research, aiming to leverage AI and other technologies to enhance its service offerings [16][17][25]. - The company is implementing a "cloud-management-end" system to facilitate a comprehensive upgrade of its business and operational models [26][36]. Group 4: New "Four-Party Model" Characteristics - The new "four-party model" allows for the inclusion of various industry participants, such as wallet providers and payment service providers, enhancing collaboration and competition [33][34]. - It introduces new business models that clarify the roles and profit-sharing mechanisms among participants, aiming for a more equitable distribution of benefits [34][35]. - The model accommodates diverse payment methods, including physical cards, QR codes, and mobile payments, aligning with current market demands [35][41]. Group 5: Internationalization and Global Strategy - UnionPay's internationalization strategy has evolved over 20 years, focusing on expanding its global acceptance network and enhancing its competitive position against international card organizations like Visa and Mastercard [42][47]. - The recent collaboration with Indonesia is seen as a practical example of the new "four-party model" and is expected to pave the way for further international expansion [41][42]. - UnionPay is actively participating in the development of international QR code standards and promoting its standards in neighboring countries and regions [43][44].