三井住友信用卡通过数据分析服务"Custella"分析了访日游客的支付动向。以在海外发行的 维萨卡（Visa）、万事达卡（Master）和银联卡（China Union）为对象，根据发卡地对用 户所在国家和地区进行分类，用指数计算出交易额。 调查以10个国家和地区及"其他"为对象，总交易额同比增加了22%。增长的有美国、台湾、 澳大利亚等7个国家和地区，平均增长率为29%。减少的只有中国大陆、香港（微减）、泰国 到达关西国际机场的外国游客（12月3日） 三井住友信用卡公司的数据显示，中国大陆和香港的11月刷卡交易额下降。中国政府从11月 14日开始提醒本国国民避免前往日本。自发布提醒以来的两周时间，似乎对11月整体数据形 成了明显拖累…… 来自中国的访日游客的消费正在下降。三井住友信用卡公司按照国家和地区划分的调查显 示，11月的信用卡交易额同比减少8%，时隔2个月转为负增长。中国政府在11月发出的避免 赴日提醒产生了影响。日本百货店的免税销售额也开始减少，两国关系恶化对经济投下的阴 影正在加深。 2012年发生购岛问题时，中国政府也曾提醒公民避免前往日本。据此，野村综合研究所的木 内登英推算称，"如果中国大 ...

（原标题：马尔代夫银行（BML）、马旅游局与中国银联签署合作协议） 马尔代夫银行（BML）、马旅游局与中国银联签署合作协议，启动联合营销 计划，提升数字支付体验并加强旅游推广。三方将面向银联持卡人联合推广马 旅游形象，吸引更多游客。根据协议，BML被指定为银联在马本币结算代理 行，为深化合作及未来银联卡发行奠定基础。BML表示，此举将进一步完善数 字支付生态，助力旅游业发展。 ...

11月末，中东和非洲最大的金融机构卡塔尔国民银行（QNB）向卡塔尔零售商推出"微信移动支付业 务"。12月，国内第三方支付服务商易宝支付宣布与阿布扎比投资办公室（ADIO）达成战略合作，旨在 打通阿联酋、中国及全球市场间的跨境数字支付服务，构建互联互通的支付服务网络。 中东的金融版图因中国支付企业的涌入而悄然生变。 （原标题：中国支付出海下一站 中东沙漠里的"蓝海"） 21世纪经济报道记者 雷若馨 深圳报道 在中东地区，大部分地面被沙漠面积覆盖。一批来自中国的支付企业，正在这片沙漠中探寻另一番"蓝 海"。 近日，21世纪经济报道记者独家采访了迪拜数字经济商会副主席Saeed Al Gergawi、Telr创始人兼CEO Khalil Alami，及中国跨境支付企业，就中东数字支付生态与中国企业的入局进行了深入交流。 "近年来，中东成为不少跨境支付企业拿牌照的重点方向。"港股上市公司连连数字旗下跨境支付品牌连 连国际对21世纪经济报道记者表示。 21世纪经济报道记者不完全统计，仅2025年，就有数家企业宣布中东区域牌照进程。 今年上半年，PingPong官宣获得阿联酋央行的原则性批准，将成为中国境内首家持有阿联 ...

Core Insights - The article emphasizes the transformative role of China UnionPay in the global payment industry, highlighting its innovative approach to cross-border payment solutions and the establishment of a more inclusive payment ecosystem [1][3][7] Group 1: China UnionPay's Role in Global Payments - China UnionPay is positioned as a "connector" in the global payment network, facilitating cross-border payment services and creating a new ecosystem for global payments [3][4] - The company has expanded its service offerings, partnering with local networks in various countries to enhance its global reach, including collaborations in Armenia and the UAE [3][4] - UnionPay's global acceptance network now covers 183 countries and regions, with over 200 local wallets supporting UnionPay QR codes or mobile payments [7][8] Group 2: Innovations and Collaborations - The company has introduced a new "four-party model" that includes wallet providers and mobile manufacturers, aiming to create a more open and inclusive payment environment [1][7] - UnionPay has established partnerships with 11 global institutions, including banks and payment networks from countries like Malaysia and Uzbekistan, to enhance cross-border payment capabilities [1][2] - The "China-Indonesia cross-border QR code interconnection" project exemplifies the collaborative efforts under the new model, showcasing the integration of various stakeholders to facilitate seamless payments [8][9] Group 3: Ecosystem Development and Shared Infrastructure - UnionPay is committed to building a shared infrastructure for payment systems, allowing banks to utilize standardized APIs and security frameworks, thus enhancing the overall efficiency and safety of payment networks [9] - The company aims to reduce fragmentation in the global payment ecosystem by fostering knowledge exchange and collaborative defense against financial risks [6][9] - UnionPay's initiatives are not merely about market expansion but also about creating a sustainable and interconnected payment ecosystem that benefits all participants [6][9]

Core Viewpoint - The article emphasizes that China, driven by innovation, plays a crucial role in the global payment industry's high-quality development, particularly through the initiatives of China UnionPay to create an open and inclusive payment ecosystem [1][2]. Group 1: Global Payment Network Development - China UnionPay has introduced an open and interconnected "Chinese solution" to enhance the traditional "four-party model" by incorporating wallet institutions and mobile manufacturers, thereby creating a more inclusive payment ecosystem [1][2]. - The "2025 UnionPay Global Partner Conference" held in Shanghai marked the establishment of 11 significant global cross-border payment collaborations, showcasing China's influence in the global payment industry [2][4]. - UnionPay aims to break down payment barriers, allowing millions of small and micro merchants to access vast purchasing power through its global payment network, thus contributing to global economic recovery [2][5]. Group 2: Cross-Border Payment Services - UnionPay is positioned as a "connector" in the global payment network, expanding its service offerings and establishing a new cross-border payment service system [5][6]. - The company has expanded its international product offerings, including partnerships with local networks in countries like Armenia and the UAE, enhancing accessibility to UnionPay's global services [5][6]. - UnionPay has implemented flexible cooperation models, such as "Government-to-Government" and "Network-to-Network," to facilitate QR code interoperability in approximately 50 countries [6][7]. Group 3: Ecosystem Building and Collaboration - The new "four-party model" not only expands external services but also enhances collaboration with account holders and acquirers to provide efficient and secure cross-border payment services [8][9]. - UnionPay's global acceptance network covers 183 countries and regions, supporting various payment scenarios and enhancing the cross-border payment experience for Chinese citizens abroad [8][9]. - The collaboration with local payment institutions, such as the partnership with Indonesia's payment association, exemplifies the practical application of the new "four-party model" [9][10]. Group 4: Technological Advancements and Shared Infrastructure - UnionPay is transforming its technological capabilities into "public goods" for the industry, promoting intelligent development and shared infrastructure among financial institutions [10]. - The company offers standardized API interfaces and security frameworks, enabling banks to utilize ready-made solutions rather than building independent systems [10]. - The "Open Payment Joint Initiative" was announced, emphasizing the principles of openness, compatibility, and security in building a shared global payment network [10].

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 ...

Core Insights - China UnionPay has reserved the iTAP (Intelligent Touchless Proximity) protocol in its next-generation smart terminal development roadmap, indicating a strategic focus on enhancing payment technology [1] - The company plans to integrate the iTAP protocol into all new terminals and will also upgrade existing terminals to support this technology [1] - UnionPay has expanded its services to 183 countries, issuing nearly 9.1 billion UnionPay cards, showcasing its global reach and influence in the payment industry [1] Group 1 - China UnionPay is leading the development of smart terminal technology with a focus on the iTAP protocol [1] - The company aims to combine global payment applications with the iTAP protocol in international markets [1] - The integration of iTAP will enhance the functionality of both new and existing payment terminals [1] Group 2 - UnionPay has successfully promoted its card issuance and payment acceptance in 183 countries [1] - The issuance of approximately 9.1 billion UnionPay cards highlights the company's significant market presence [1] - The strategic initiatives reflect UnionPay's commitment to advancing payment technology and expanding its global footprint [1]

Core Viewpoint - The People's Bank of China (PBOC) is enhancing the cross-border payment system for the renminbi (RMB), aiming to improve payment convenience for foreign personnel in China and support the construction of a financial powerhouse, contributing to China's modernization [1][5]. Group 1: Cross-Border Payment System Development - The RMB cross-border payment system (CIPS) has become increasingly significant, with over 1,700 domestic and foreign participants connected by September 2025, reaching more than 5,000 legal banking institutions across 189 countries and regions [1][3]. - In 2024, CIPS is expected to handle RMB 175 trillion in cross-border transactions, marking a 43% year-on-year increase, with an average annual growth rate of 40.3% since the 14th Five-Year Plan [1][3]. - The PBOC is committed to building a multi-channel, widely covered, secure, and efficient RMB cross-border payment clearing network [3][5]. Group 2: Payment Infrastructure and Interconnectivity - The PBOC has successfully connected the fast payment systems of mainland China and Hong Kong, enhancing cross-border remittance efficiency and reducing costs for residents and businesses [4]. - A unified cross-border QR code payment gateway has been established, promoting international cooperation among payment institutions and facilitating mobile payment options for Chinese residents in over 70 countries [4]. - The development of a digital RMB cross-border payment platform is underway, with collaborations with central banks from Hong Kong, Thailand, and the UAE [3][4]. Group 3: RMB's International Standing - The RMB has become the largest settlement currency for China's external payments, the second-largest trade financing currency globally, and the third-largest payment currency, with a weight of 12.28% in the IMF's Special Drawing Rights (SDR) basket [10][11]. - In the first half of 2025, RMB cross-border payment amounts reached RMB 35 trillion, a 14% increase year-on-year, with a record high in both transaction amounts and proportions [10][11]. - The offshore RMB market is developing healthily, with over RMB 10 trillion in RMB financial assets held by foreign entities, and more than 80 countries have included RMB in their foreign exchange reserves [10][11]. Group 4: Bilateral Currency Swap Agreements - The PBOC has renewed bilateral currency swap agreements with multiple countries, including Iceland, the European Central Bank, and others, to enhance financial cooperation and facilitate trade [7][8]. - The bilateral currency swap agreements aim to provide liquidity and stabilize financial markets, with various agreements having different scales and effective periods [7][8].

Core Viewpoint - UnionPay International has signed a comprehensive acceptance cooperation agreement with Portugal's national airline, marking a significant expansion of its presence in Europe [1] Group 1: Market Expansion and Partnerships - The agreement with Portugal's national airline is part of UnionPay's strategy to deepen its market presence in Europe, coinciding with the 50th anniversary of diplomatic relations between China and the EU [1] - UnionPay has established a robust payment network in Europe over the past 20 years, with over 90% of countries and regions in Europe now offering UnionPay services [1] - The company has created a multi-faceted payment system that integrates card, code, and mobile payment options, with over 6 million merchants supporting mobile payments through UnionPay [1] Group 2: Consumer Experience and Payment Solutions - The rise of mobile payments has been significant, with UnionPay mobile transactions in Europe doubling since 2025, becoming the mainstream choice for Chinese tourists [1] - UnionPay offers various advantages for cardholders, including favorable exchange rates and cashback offers, enhancing the consumer experience for outbound Chinese tourists [2] - The tax refund process has been optimized, allowing for real-time refunds through the Cloud Flash Payment app at major international airports in Germany, Spain, Portugal, and Italy [2] Group 3: Product Offerings and Global Reach - UnionPay, in collaboration with the Bank of China Frankfurt branch, has launched the "Jinxiu China Card" in Europe, with over one million UnionPay cards issued across 13 European countries [3] - The global acceptance network of UnionPay has expanded to 183 countries and regions, covering over 74 million merchants and issuing more than 200 million UnionPay cards abroad [3]