尹艳林谈道，中国金融业赶上了现代化的时代潮流。以数字化为例，尹艳林介绍说，金融机构加速推进 数字化转型，金融科技发展规划明确提出，到2027年实现主要金融机构数字化率超85%。我国数字金融 业态不断丰富，已覆盖支付、信贷、投资、保险、征信等各项业务，数字支付全球领先。目前，我国已 成为全球移动支付的第一大市场，移动支付平台用户数超过10亿，普及率居全球首位。2024年中国个人 手机银行用户使用比例达88%，93%的企业开通了企业网银。数字人民币试点扩至17省，雄安新区数字 人民币发薪覆盖率超80%。 "此外，我国金融的国际化也取得明显进展。"尹艳林说，离岸人民币债券发行规模创新高，粤港澳大湾 区跨境理财通规模实现突破，跨境保险通、债券通南向交易等新政落地，上海国际金融中心建设顺利推 进。数字人民币国际运营中心已正式开业，跨境支付中人民币占比有望进一步上升。 在扩大开放方面，尹艳林表示，只有开放，才能促进改革创新。要通过扩大对外开放，提高我国金融资 源配置效率和能力，增强国际竞争力和规则影响力。要对标国际高标准经贸协议中金融领域相关规则， 精简限制性措施，提升跨境投融资便利化水平。要以开放的理念积极拥抱新业态， ...

Core Insights - The rise of mobile payments and digital wallets in South Asia is fundamentally transforming the financial landscape, significantly reducing transaction costs for migrant workers sending remittances home [1][2] - In 2024, South Asia is expected to receive over $150 billion in remittances, highlighting the economic challenges faced by vulnerable groups [1] - The proliferation of mobile payment platforms has decreased transaction fees from 6%-8% to 1%-2%, providing tangible benefits to users [1] Group 1 - The traditional reliance on international remittance companies has burdened low-wage migrant workers with high fees, prompting a shift towards more cost-effective digital solutions [1] - The adoption of mobile payments has surged in Bangladesh, with a significant increase in the share of remittances processed through these platforms over the past five years [1] - The Philippines has seen a rise in active users of mobile payment platforms, with GCash reaching 81 million users by early 2025 [1] Group 2 - Regulatory challenges are emerging as high remittance volumes can lead to currency fluctuations, complicating policy-making for central banks [2] - Central banks in the region are enhancing regulatory frameworks to address risks associated with mobile payments, including fraud and money laundering [2] - Nepal's central bank is closely monitoring electronic wallet transactions, which account for 25% of the national GDP, to mitigate potential currency volatility [2] Group 3 - Mobile payments are revolutionizing financial access in rural South Asia, where traditional banking services are scarce, enabling a range of financial services from insurance to microloans [3] - The reduction in remittance costs is improving disposable income for families, which in turn boosts consumption and tax revenues, creating a positive feedback loop [3] - The mobile payment revolution is not just a technological advancement but a catalyst for systemic change, empowering millions and strengthening regional economic ties [3]