Core Insights - The article highlights the significant role of UnionPay in enhancing financial infrastructure in the Middle East, driven by the Belt and Road Initiative and the rapid evolution of the global digital economy [1][9][10] Group 1: UnionPay's Network Expansion - UnionPay's acceptance network in the Middle East is becoming increasingly comprehensive, covering 15 countries, with full acceptance in the UAE, Qatar, Turkey, and Pakistan [2][3] - The number of contactless and QR code terminals has reached millions, facilitating the widespread use of these payment methods [2] - UnionPay has established a robust local payment ecosystem in the UAE, with full coverage of ATMs and merchants since entering the market in 2009 [3] Group 2: Localized Strategies and Innovations - UnionPay's strategy involves deep collaboration with local financial institutions and fintech companies, enhancing the sustainability of regional payment systems [5] - In Pakistan, UnionPay has partnered with over 20 local banks, issuing tens of millions of cards, making it the second-largest card brand in the country [5] - The introduction of multi-currency UnionPay cards in collaboration with the Industrial and Commercial Bank of China aims to facilitate cross-border payments and enhance the use of the Renminbi [6] Group 3: Cross-Border Payment Infrastructure - UnionPay is actively building cross-border clearing capabilities and standardizing technology to support regional financial cooperation [7] - The strategic partnership with Turkey's national switching network BKM for QR code interoperability marks a significant milestone in cross-border payment integration [7] Group 4: Internationalization and Strategic Importance - UnionPay's efforts in the Middle East reflect its broader internationalization strategy, having established a network covering 183 countries and regions [8] - The Middle East serves as a crucial hub for trade and finance, enhancing UnionPay's influence in the international market [9][10] - The company's approach of integrating with local financial systems and promoting shared standards is seen as a key differentiator in global competition [10]

在"一带一路"倡议深入推进以及全球数字经济加速演进的背景下，中东地区正经历新一轮金融基础 设施升级，对安全、普惠、兼容的支付能力需求日益增长。观察人士指出，作为中国重要的金融基 础设施和全球布局的国际卡组织，银联坚持"互联互通"理念，依托在国际网络、支付科技与本地化 运营方面的积累，正在中东地区产生积极影响。近年来，通过持续完善清算网络、受理生态与移动 支付基础设施建设，其举措有效助推了区域支付体系的数字化升级，为日益紧密的中东与中国经贸 合作提供了重要的金融支撑。 长期深耕，中东受理网络日趋完善 从 市 场 发 展 轨 迹 来 看 ， 中 东 地 区 的 银 联 受 理 网 络 正 日 趋 完 善 。 近 年 来 ， 随 着 能 源 结 构 转 型、人口年轻化和跨境贸易扩容，中东地区各国金融体系对于数字化支付工具的需求不断 提升。根据公开资料显示，为顺应这一趋势，银联稳步推进该区域受理网络、发卡生态与 数 字 支 付 能 力 建 设 。 目 前 ， 银 联 卡 业 务 已 覆 盖 中 东 1 5 个 国 家 ， 在 阿 联 酋 、 卡 塔 尔 、 土 耳 其、巴基斯坦基本实现受理全覆盖，区域内开通数百万台非 ...