IT之家 9 月 23 日消息，支付宝今日宣布，为加速门店智能化转型，美宜佳与华为云、支付宝在上海正式签署联创合作协议，三方将整合优势资源，共同 打造智慧零售标杆解决方案。 未来，三方将分阶段推动智能设备升级、账号体系互通与会员运营优化，并持续探索支付、广告等多场景的智能化创新，打造可规模化复制和推广的智慧 门店样板，助推行业数字化提速。 IT之家注："碰一下"是支付宝于 2024 年推出的交互方式。用户无需打开 App，手机解锁后轻碰设备或贴纸，即可快速完成支付或获取相关服务。自去年 6 月 7 日首笔"碰一下"支付诞生以来，"碰一下"已累计服务超 2 亿用户。 作为合作的重要成果，美宜佳率先推出首台搭载"碰一下"交互技术的鸿蒙智慧收银机，并计划陆续在全国多家门店投入使用。 顾客只需解锁手机，轻碰设备，即可快速完成支付，并享受优惠券自动抵扣、积分同步到账。 根据上述合作协议，美宜佳将依托全国超 40000 家门店网络，借助华为鸿蒙系统及生态技术支持，以及支付宝在数字经营与支付领域的成熟能力 —— 包 括"碰一下"等交互技术，重点推进全店智能运营体系建设，实现消费者体验与门店运营效率的双重提升。 ...

Core Insights - The core viewpoint of the news is the strategic rebranding of Alipay's operating entities, which reflects the ongoing advancement of the "Dual Flywheel" strategy aimed at enhancing payment technology and digital services [1][3]. Group 1: Company Rebranding - Alipay's main operating company, Alipay (China) Network Technology Co., Ltd., has been renamed to Alipay Payment Technology Co., Ltd., while Alipay (Hangzhou) Information Technology Co., Ltd. is now Alipay (Hangzhou) Digital Service Technology Co., Ltd. [1] - The rebranding is part of a governance upgrade under the "Dual Flywheel" strategy, which will not affect customer service or experience, as the Alipay brand and app name remain unchanged [1]. Group 2: Strategic Developments - The "Dual Flywheel" strategy has shown rapid development, with significant organizational changes announced by Ant Group, focusing on "AI First," "Dual Flywheel," and accelerated globalization [1][2]. - Alipay has achieved over 200 million users for its "Tap" feature in less than a year and is gaining a competitive edge with the launch of "AI Pay" services [2]. Group 3: Technological Innovations - Alipay is enhancing its app with new AI features, including a new AI interface called "Explore" and a smart voice search that connects users to over 10,000 services [2]. - The independent AI health application AQ, launched by Ant Group, has served over 140 million users, with a significant portion from lower-tier cities, and has achieved a 60.1% month-over-month growth rate [3].

Group 1 - The core viewpoint of the news is that Alipay has successfully completed the renaming of its two main operating entities, aligning with its "dual flywheel" strategy, which focuses on payment technology and digital connectivity [1][4] - The new names for the entities are "Alipay Payment Technology Co., Ltd." and "Alipay (Hangzhou) Digital Service Technology Co., Ltd." [1] - The renaming is part of a governance upgrade under the "dual flywheel" strategy and does not affect customer service or experience, with the Alipay brand and app name remaining unchanged [1] Group 2 - Since last year, the "Alipay dual flywheel" strategy has been rapidly developing, with significant organizational changes announced by Ant Group, including the establishment of two major business groups: Digital Payment and Alipay [3] - Recent developments include the achievement of over 200 million users for the "Tap" feature within a year and a half, and the launch of the "AI payment" service aimed at providing payment solutions for AI entities [3] - Alipay has also introduced new AI features, such as the "Explore" function based on "Scan," and a smart voice search that connects users to over 10,000 services, indicating a rapid evolution towards intelligent services [3]

Core Viewpoint - The recent name changes of Alipay's operating entities reflect the acceleration of the "Dual Flywheel" strategy, enhancing the clarity of Alipay's governance and strategic direction in the digital payment and technology sectors [1][2]. Group 1: Company Name Changes - Alipay (China) Network Technology Co., Ltd. has been renamed to Alipay Payment Technology Co., Ltd., which is the licensed entity for Alipay's payment services [1]. - Alipay (Hangzhou) Information Technology Co., Ltd. has changed its name to Alipay (Hangzhou) Digital Service Technology Co., Ltd., further aligning with the "Dual Flywheel" strategy [1]. Group 2: Strategic Developments - The name changes are part of a broader governance upgrade under the "Dual Flywheel" strategy, which aims to enhance customer service and experience while maintaining the Alipay brand [1]. - The "Dual Flywheel" strategy focuses on advancing payment technology innovations such as "Tap" and "AI Payment" to improve service offerings [1]. - The strategy has been in progress since last year, with significant organizational changes announced by Ant Group's CEO, including the appointment of Han Xinyi as the new president responsible for digital payment and digital interconnectivity [2][3]. Group 3: Business Growth and User Engagement - The "Tap" feature has reached 200 million users, indicating strong user engagement and growth in Alipay's service offerings [3]. - Alipay recently launched the domestic "AI Payment" service, targeting the AI era to provide payment solutions for intelligent agents [3].

Core Viewpoint - The recent name changes of Alipay's operating entities reflect the ongoing implementation of the "Dual Flywheel" strategy, enhancing corporate governance while maintaining the Alipay brand and user experience [5][6]. Group 1: Name Changes - The People's Bank of China approved the name change of Alipay (China) Network Technology Co., Ltd. to Alipay Payment Technology Co., Ltd., which is the licensed entity for Alipay [1]. - Alipay (Hangzhou) Information Technology Co., Ltd. has also been renamed to Alipay (Hangzhou) Digital Service Technology Co., Ltd. [2]. Group 2: Strategic Implications - The name changes are part of the "Dual Flywheel" strategy, which aims to advance both payment technology and digital connectivity, positioning Alipay for new growth opportunities [5][6]. - The company emphasizes that the name changes will not affect customer service or experience, and the Alipay brand will remain unchanged [5]. Group 3: Organizational Developments - Since last year, Ant Group has accelerated the implementation of the "Dual Flywheel" strategy, including organizational restructuring to enhance market responsiveness and management team youthfulness [6]. - The establishment of two major business groups, Digital Payment and Alipay, reflects the strategic focus on "AI First," "Dual Flywheel," and global expansion [6]. Group 4: User Engagement and Innovations - Alipay's "碰一下" feature has reached 200 million users, showcasing significant user engagement [7]. - The recent launch of the "AI Payment" service aims to provide payment solutions tailored for the AI era [7].

Group 1 - The core viewpoint of the news is that Alipay has successfully completed the renaming of its two main operating entities as part of its "dual-wheel" strategy, which aims to enhance corporate governance without affecting customer service or experience [1][2] - Alipay's main operating entity, Alipay (China) Network Technology Co., Ltd., has been renamed to Alipay Payment Technology Co., Ltd., while Alipay (Hangzhou) Information Technology Co., Ltd. has been renamed to Alipay (Hangzhou) Digital Service Technology Co., Ltd. [1] - The "dual-wheel" strategy has shown rapid development since last year, with significant organizational changes announced by Ant Group, focusing on "AI First," "dual-wheel," and accelerating globalization [1] Group 2 - At the recent Shanghai Bund Conference, Alipay reported that its "Tap" feature has surpassed 200 million users in less than a year and a half, creating a new entry point for user services and merchant operations [2] - Alipay is also gaining an early advantage in "AI payment" services, having launched the domestic "AI Pay" service on September 11, aimed at providing payment solutions for intelligent agents in the AI era [2] - The simultaneous renaming of the two operating entities is viewed as an accelerated evolution of the "dual-wheel" strategy, with both payment technology and digital connectivity advancing together, positioning Alipay on a new growth trajectory [2]

Core Insights - Ant Group's CEO highlighted the evolution of Alipay over the past 20 years, emphasizing that the Chinese mobile payment sector is entering a new innovation cycle driven by technological advancements, regulatory empowerment, and innovative practices [1] Group 1: Innovation Cycles - The first innovation cycle began in 2004 with the rise of online payments, where Alipay's escrow and quick payment services significantly lowered trust barriers, fostering e-commerce growth [2] - The second cycle around 2011 saw the mainstream adoption of smartphones and 3G networks, leading to the emergence of barcode and facial recognition payments, which simplified mobile payments and achieved an 86% coverage rate in China, the highest globally [2] - The upcoming third cycle starting in 2024 will leverage NFC technology, smart cabins, smart glasses, and AI agents, introducing new payment experiences like "tap," "look," and "AI payment" that align with current demands [2][3] Group 2: New Payment Experiences - "Tap" payments utilize NFC technology, allowing users to complete transactions by tapping their phones on payment devices, which has attracted over 200 million users, including seniors and visually impaired individuals [2] - "Look" payments enable users to pay using smart glasses by verbally confirming the amount, addressing the needs of those who cannot use their hands [3] - "AI payment" encompasses a range of services designed for AI environments, including "Payment MCP service," "AI tipping service," and "AI pay," catering to new payment scenarios involving AI tools and agents [3] Group 3: Security and International Services - Ant Group prioritizes security with multi-dimensional safeguards, including 24/7 intelligent risk control, trusted device authentication, and multi-modal identity verification, while maintaining a commitment to "pay with confidence" [3] - For inbound tourists, Ant Group has introduced innovative solutions like "foreign card binding" and "foreign package usage," enabling payments with seven major international card brands and 31 electronic wallets from 12 countries and regions [3] - Alipay has become an essential tool for outbound travelers, facilitating various services such as ride-hailing, ticket purchases, and bike rentals, enhancing the overall travel experience [4]

而从2024年开始，具备NFC的手机、智能座舱、智能眼镜以及AI智能体逐渐成熟，服务入口也随之发生 转移。此时，"碰一下""看一下"以及"AI支付"的出现契合了时代的需求，也将助推AI产业生态繁荣。 据悉，"碰一下"是支付宝在条码支付的基础上利用NFC（近场通信）技术推出的创新支付体验，解锁手 机碰一下收款设备即可完成支付。简化的支付方式尤其适合老年人、视障人群以及入境外国游客，最近 4个月又新增1亿用户总量已超2亿，呈现加速发展的态势。 而"看一下"是支付宝为智能眼镜等设备推出的新服务，用户戴着眼镜对着二维码或碰一下设备，口头说 支付金额经确认即可，解决了双手不便使用手机时的支付需求。 新浪科技讯 9月16日下午消息，在第十四届"中国支付清算论坛"上，蚂蚁集团CEO韩歆毅回顾支付宝过 去20多年的发展历程，表示面向AI时代中国移动支付正迈入新一轮创新周期。他总结认为科技发展、 守正创新、监管赋能是支付发展的动力之源。面向未来，他表示蚂蚁集团将持续围绕创新互联，共创支 付新体验、共享互联新生态，更好地服务实体经济实现高质量发展。 韩歆毅表示，不断出现的新硬件拓展了新用户场景，用户需求的实现门槛在不断降低。在此 ...

Core Insights - Alipay's "Tap to Pay" feature has surpassed 200 million users, doubling the speed of user acquisition to reach this milestone in just four months [1][3] - The launch of the first domestic "AI Payment" service was announced, with the initial implementation in the "Lucky AI" ordering assistant at Luckin Coffee [1][3] User Growth and Engagement - The "Tap to Pay" feature achieved over 100 million users within 321 days of its launch, setting a new growth record in the payment sector [3] - Nearly 100 million users have utilized at least two "Tap to Pay" services, indicating strong engagement [3] - The feature supports over 1,000 different scenarios, including food ordering, package collection, and interactive red envelopes, showcasing its versatility [3] Ecosystem Development - Smart devices such as smart glasses and smartwatches have been integrated into the "Tap to Pay" ecosystem [3] - A "Tap to Pay Application Ecosystem Alliance" was launched with ten major smart hardware manufacturers, including Huawei, OPPO, and Xiaomi, to enhance the ecosystem [3] Future Projections - The Chief Technology Officer of Ant Group's Digital Payment Division predicts that natural interaction payments could exceed 50% in the next five years, with a tenfold increase in diverse smart device payments [4] - The market for more intelligent AI payment solutions is expected to reach a trillion-level scale [4]

Core Viewpoint - The company reported steady growth in its financial performance for the first half of 2025, with revenue and net profit increasing year-on-year, and plans to acquire New Trend Media to further enhance profitability [1][2]. Financial Performance - The company achieved revenue of 6.112 billion yuan, a year-on-year increase of 2.43%, and a net profit attributable to shareholders of 2.665 billion yuan, up 6.87% [1]. - In Q2 alone, revenue was 3.254 billion yuan, remaining stable year-on-year, while net profit rose by 5.2% to 1.530 billion yuan [1]. - The non-recurring net profit was 2.465 billion yuan, reflecting a 12.17% increase year-on-year [1]. Business Segments - The building media segment remains the core pillar, generating revenue of 5.632 billion yuan, a 2.30% increase year-on-year [2]. - Internet industry advertising spending significantly recovered, with building media revenue from this sector reaching 0.962 billion yuan, a substantial increase of 88.82% year-on-year [2]. - The daily consumer goods sector contributed 3.401 billion yuan, accounting for 55.6% of total revenue, remaining the largest customer industry [2]. Strategic Initiatives - The company plans to acquire New Trend Media, which operates approximately 740,000 elevator smart screens, potentially enhancing bargaining power with upstream property owners and optimizing cost structure [2]. - The company has implemented an innovative "Tap to Redeem" model in collaboration with Alipay, aiming to enhance consumer engagement and drive new revenue streams [3]. Dividend Policy - The company has maintained a high dividend policy, distributing 3.322 billion yuan for the 2024 annual dividend and proposing a cash dividend of 1.444 billion yuan for the 2025 interim distribution, resulting in a dividend payout ratio of 58.6% [3]. Future Outlook - The company maintains a strong investment rating, projecting net profits of 5.56 billion yuan, 5.79 billion yuan, and 6.03 billion yuan for 2025-2027 [3].