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]

新浪科技讯 9月12日上午消息，支付宝在2025 Inclusion·外滩大会宣布推出国内首个"AI付"服务，面向AI 时代为智能体提供支付服务，并率先在瑞幸咖啡的AI点单助手"Lucky AI"上线，用户可在瑞幸支付宝小 程序或瑞幸咖啡App，用说话的方式完成下单并支付。这也是行业首次打通智能体内的下单与支付全链 路，实现无缝的AI服务体验。 以点咖啡为例，此前用户通过AI智能体下单，仍需跳转至支付页面再予手动确认。现在，用户在瑞幸 支付宝小程序或瑞幸App唤起"Lucky AI"，不仅可以说句话点咖啡，还可以直接说句"下单"，完成身份 核验后即支付。整个过程用户无需离开AI对话界面，像日常和店员聊天一样简单自然。（罗宁） 责任编辑：江钰涵 专题：2025 Inclusion·外滩大会 ...

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].