� 150 kin coffe :31 Paris A V e 10 UNDER 4 r l (97 野生 0 1 F 3 s WX 通过机器人的推荐，选择好今天的午餐，并让它为自己创建带有定制化要求的订单，最后在与机器人的 聊天框中就完成了支付，AI技术的变革将这些过去仅存于科幻电影中的片段变成了现实。 行业人士表示，随着AI技术在千行百业的应用不断深化，AI生态内的支付也会成为行业关注焦点。 今年9月，支付宝推出国内首个"AI付"服务，率先在瑞幸咖啡的AI点单助手"Lucky AI"上线，用户用说 话的方式就能完成下单并支付，至此，智能体内的下单与支付全链路被打通，无缝的AI服务体验得以 实现。"AI付"上线一天后，美团首款AI Agent产品"小美"App也迎来公测，提供的服务包括外卖下单、 餐厅预约、美食推荐等本地生活服务。现在，已经有很多人尝试过用这款App，吃上AI为自己点的外 卖。 不仅如此，AI生态下支付的交互方式也在持续更新。就在刚过去的11月，杭州一家专门从事智能眼镜 研发的科技公司Rokid正式宣布将"AI付"从手机"搬"到了自家的智能眼镜上。在他们的演示视频里，戴 着智能眼镜的用户全程 ...

Group 1: Core Insights - The "2025 Inclusion·Bund Conference" in Shanghai showcased innovative AI applications in financial technology, highlighting a shift towards practical applications of AI in finance [3][7] - The Chinese government's recent policy on "Artificial Intelligence+" indicates a new phase of large-scale, commercial, and ecological development in AI, particularly in the financial sector [3][6] - AI technologies are transforming consumer experiences in finance, making professional financial services more accessible to the general public [6][9] Group 2: AI Innovations in Financial Services - Alipay introduced "AI Pay," enabling voice-activated ordering and payment through its app, marking a significant advancement in payment technology [5][6] - The AI financial assistant "Ma Xiaocai" has served millions of users, providing quick and professional responses to inquiries about market trends and fund products [6] - Ant Group upgraded its open platform to integrate AI capabilities, launching three professional AI assistants aimed at enhancing productivity for financial institutions [6][9] Group 3: Talent Development in AI and Fintech - The conference featured various AI innovation competitions, attracting nearly 20,000 young tech talents from around the world, emphasizing the importance of talent in driving fintech development [9][10] - The "AFAC Financial Intelligence Innovation Competition" has become a leading event in the fintech sector, showcasing a significant increase in participation and innovative solutions [9][10] - The competition results indicate a growing integration of AI applications in financial scenarios, reflecting the rapid penetration of AI in the financial technology landscape [9][10]

Core Insights - Alipay launched the first domestic "AI Payment" service at the 2025 Inclusion Bund Conference, aimed at providing payment services for AI agents [1] - The service is initially integrated with Luckin Coffee's AI ordering assistant "Lucky AI," allowing users to place orders and make payments through voice commands [1] - This marks the industry's first seamless integration of ordering and payment within an AI service, enhancing user experience by eliminating the need to switch to a payment page [1] Summary by Categories Product Innovation - The "AI Payment" service enables users to order coffee by simply speaking to the AI assistant and completing the payment without leaving the conversation interface [1] - Users can now say "order" after placing their order to complete the payment process, streamlining the interaction [1] Industry Impact - This development represents a significant advancement in the integration of AI technology within the payment and ordering processes, setting a precedent for future innovations in the industry [1]

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 - Alipay launched the first domestic "AI Payment" service at the 2025 Inclusion·Bund Conference, providing payment services for AI agents and integrating ordering and payment processes seamlessly for the first time in the industry [1][9]. Group 1: Service Launch and Features - The "AI Payment" service was first implemented in the "Lucky AI" ordering assistant at Luckin Coffee, allowing users to place orders and make payments through voice commands without leaving the AI chat interface [1][3]. - Users can now simply say "order" after receiving recommendations from "Lucky AI," completing the payment process after identity verification, making the experience as natural as conversing with a store clerk [3][6]. Group 2: Industry Impact and Future Prospects - Luckin Coffee's Product Director, Pu Yu, stated that the integration of "Lucky AI" with Alipay's AI Payment enhances the coffee consumption experience and lays the groundwork for expanding more service scenarios in the future [7]. - Ant Group's Chief Technology Officer, Zhu Lin, emphasized that the innovation aims to address safety and convenience in payments, predicting that new interactive payment methods could exceed 50% in the next five years, with a tenfold increase in diverse smart device payments [8]. - The launch of "AI Payment" is seen as a key step in activating the AI industry ecosystem, with the potential for the AI payment market to reach a trillion-level scale [8][9]. Group 3: Additional Innovations - Alipay has introduced several pioneering services, including the first "Payment MCP Server" for AI agents, "AI Tipping" for developers, "AI Subscription Payment" for service-based pricing, and the global first "Look-and-Pay" service for smart glasses [9]. - The introduction of "AI Payment" further completes the commercial loop from AI services to payments, promoting the prosperity of the AI ecosystem [9].