这一天，泰国曼谷正在举办中国灯会，位于中泰友谊之花灯组下的银联诗歌 POS 机海外公益活动尤为引人注目。场地中心的中国花灯流光溢彩，四周一盏盏大小不 一、充满浓郁中国风的灯笼上，用中泰双语印满了两国孩子们的诗歌，一条精心设计的"诗歌长河"贯穿其中，象征着中国诗歌漂洋过海，抵达泰国。"河"上浮动着 泰国花灯，整个活动洋溢着浓厚的诗歌氛围。 以诗为舟，以灯为信。一份来自中国的公益之心，从大山深处"漂洋过海"，一场跨越时间和空间的文化共鸣，沿着"一带一路"的丝路光波在湄南河畔绽放。 近日，中国山里孩子写的一首首小诗，悄然"飘"进了泰国曼谷地标暹罗天地。这是中国银联2019年发起的公益行动——"银联诗歌POS机"，在七年如一日的守护 中，首次走出国门，将爱心传递到海外。 2025年8月8日-15日，"诗歌之光，点亮心灯"银联诗歌POS机公益行动空降曼谷暹罗天地，将曼谷地标变幻为诗意星河。 今年是中泰建交50周年。当来自中国山里孩子的纯真笔触，与泰国小诗人的灵动短句交织联动，银联诗歌POS机——这一还在茁壮成长的公益IP，已然成为了一座 独特的桥梁，连接起不同文化背景的人们心中那份对诗意、对纯真、对美好的共同向往。 " ...

Core Viewpoint - The recent guidelines issued by the People's Bank of China and six other departments aim to enhance financial support for consumption, focusing on improving payment services and experiences for consumers, particularly in key consumption areas such as food, housing, transportation, tourism, shopping, entertainment, and healthcare [1] Payment Experience Enhancement - The rapid development of mobile payments in China has led to an increased need for inclusive payment services for foreign visitors who may prefer cash or card payments. From 2019 to May 2025, the total transaction volume for "foreign card binding" and "foreign wallet usage" reached 3.79 billion transactions, amounting to 604.39 billion yuan [2] - Daily average transactions for these services reached 1.2193 million, with a daily average transaction amount of 16.997 million yuan by May 2025, reflecting year-on-year growth of 185% and 135% respectively [2] Increased Acceptance of Mobile Payments - The acceptance of mobile payments among foreign visitors has significantly improved, with WeChat Pay transactions for foreign cards tripling compared to the previous year. New users can enjoy fee waivers for the first 60 days after binding their foreign cards [3] - Alipay reported a more than 200% increase in usage among inbound tourists from January to May this year, with a 400% increase in transaction volume on the first day of the Dragon Boat Festival [3] Policy Incentives and Consumer Engagement - The "old-for-new" consumption promotion policies have been actively supported by payment platforms like China UnionPay, WeChat Pay, and Alipay, facilitating the distribution of subsidies and enhancing consumer engagement [5] - By May 2025, UnionPay had supported the redemption of over 80 billion yuan in national subsidies, directly stimulating consumption by over 500 billion yuan and benefiting 64 million consumers [5] Digital Currency Innovations - The digital yuan has seen service upgrades, including the expansion of "tap and go" access for public transport in Shanghai, allowing seamless travel for both locals and foreign visitors [7] - The digital yuan hard wallet is gaining popularity among foreign tourists and various demographic groups due to its low entry barriers and wide application scenarios [8] Future Outlook - The digital yuan's promotional activities have not only increased its adoption but also boosted sales in local businesses, with significant transaction volumes reported by banks involved in the initiative [9] - Analysts suggest that enhancing the stability and reliability of the digital yuan system while expanding its application scenarios will be crucial for its future growth [9]

Core Viewpoint - China UnionPay is committed to protecting cardholders' financial security and actively promotes anti-fraud awareness through various campaigns aimed at educating the public about telecom and online fraud prevention [1][2] Group 1: Targeted Education for Vulnerable Groups - For minors, parents are encouraged to educate their children about anti-fraud knowledge, supervise their use of mobile phones and social media, and set up secure payment passwords [1] - For the elderly, it is advised not to trust unknown calls, messages, or links, and to avoid sharing sensitive information such as ID numbers and bank details [2] - Both groups are urged to communicate with family members regarding any suspicious financial requests and to report fraud incidents immediately [2] Group 2: App Safety and Security Measures - Users are advised to be cautious when installing apps, ensuring they are downloaded from official channels and to avoid clicking on unknown links [2] - Regular checks on app permissions are recommended, especially for sensitive data access, to enhance personal security [2] - China UnionPay provides resources for users to learn about various telecom and online fraud prevention methods through its official platforms [2]

Core Viewpoint - The article highlights the ongoing "trade-in for new" initiatives across various regions in China, driven by government subsidies and the role of China UnionPay in facilitating these programs to stimulate consumer spending and support economic growth [1][4]. Group 1: Policy and Economic Impact - The central government is set to distribute 138 billion yuan in subsidies, which will enhance the "trade-in for new" policy, benefiting a wider consumer base and boosting consumption [1][4]. - China UnionPay is positioned as a key financial infrastructure, integrating resources and enhancing service capabilities to ensure the effective implementation of national subsidy policies [1][4]. Group 2: Collaboration with E-commerce and Banks - China UnionPay collaborates with major e-commerce platforms like JD.com, Tmall, and Suning to provide consumers with a seamless experience in accessing subsidies and making purchases [2][4]. - The integration of subsidy services into banking apps allows consumers to redeem subsidies without needing additional applications, promoting convenience and accessibility [2][3]. Group 3: Risk Management and Service Efficiency - China UnionPay implements a comprehensive risk management system to prevent fraudulent activities related to subsidy claims, ensuring the protection of public funds [3]. - The introduction of an innovative "payment and invoicing" solution streamlines the invoicing process for consumers, enhancing efficiency in managing subsidy-related transactions [3]. Group 4: Long-term Commitment to Consumer Welfare - China UnionPay aims to strengthen its platform capabilities and optimize risk control models to accommodate the increasing scale of subsidy funds, ensuring smooth operations from application to auditing [4][5]. - The company is focused on making financial services accessible to various demographics, including the elderly and rural populations, through tailored solutions and partnerships with manufacturers [4][5]. Group 5: Future Outlook - China UnionPay is committed to leveraging technology and digital finance to enhance service experiences and ensure that government subsidies effectively reach small businesses and vulnerable groups [5]. - The company aims to transform the national subsidy program into a powerful driver for domestic demand and consumer welfare, reinforcing its role in the economy [5].

Core Insights - UnionPay, in collaboration with Mizuho Bank and UC Card, has launched QR code payment support for over one million merchants in Japan, enhancing mobile payment experiences for users of the Cloud Flash Pay app [1][2] - This partnership marks a significant milestone in UnionPay's 20-year presence in Japan, with plans to support the Osaka World Expo as the only Chinese payment brand [1][2] - The collaboration aims to deepen the interconnectivity of payment industries between China and Japan, facilitating seamless mobile payment experiences for Chinese travelers in Japan [2][3] Group 1 - UnionPay has established a diverse product system in Japan, including card, code, and Pay services, leveraging its network and technology to empower local partners [1][3] - The QR code payment service is available at popular merchants such as FamilyMart, Takashimaya, and BicCamera, covering high-frequency consumption scenarios for travelers [2][3] - A promotional offer of up to 10% discount is available for UnionPay payments at participating merchants until the end of the year [2] Group 2 - Since its entry into the Japanese market in 2005, UnionPay has expanded its acceptance network, ensuring that all ATMs in Japan accept UnionPay cards [3] - UnionPay has partnered with over 60 transportation companies in Japan to support card-based travel, enhancing the payment experience for tourists [3] - The company is also advancing localization efforts by collaborating with local banks to issue UnionPay cards and plans to partner with Rakuten Bank for mobile payment services in 2024 [3][4]

Core Insights - UnionPay collaborates with Mizuho Bank and UC Card to enable QR code payments at over 1 million merchants in Japan, enhancing mobile payment experiences for users of the Cloud Flash Pay app [1][3] - The partnership aims to deepen connectivity between the payment industries of China and Japan, facilitating seamless mobile payment solutions for travelers [1][4] Group 1: Partnership and Expansion - The collaboration marks a significant milestone in UnionPay's 20-year presence in Japan, supported by various industry stakeholders [3] - UnionPay has established a diverse product system in Japan, including cards, codes, and payment solutions, to empower local partners and contribute to Japan's cashless society [3][4] Group 2: Market Coverage and Local Integration - UnionPay's merchant POS terminal coverage exceeds 80% in Japan, with ATM acceptance fully covering the region, and acceptance rates in Tokyo and Osaka nearing 90% [4] - The company is set to partner with Rakuten Bank in 2024 to support mobile payment solutions for QR code acceptance in 47 countries, becoming the first Chinese payment brand to offer QR code services to Japanese residents [4] Group 3: Global Reach and Vision - UnionPay's global acceptance spans 183 countries and regions, with local card issuance in 84 countries, enhancing the international recognition and influence of the Chinese payment brand [4]