一是消费向线下实体场景加速回流。2026年，中国银联支持各地政府继续开展"以旧换新"活动，并联合 商业银行推出叠加优惠，让消费者在升级品质家电的同时享受更优惠的价格。"以旧换新"拉动新春消费 升级，吸引消费者在实体卖场体验成交，更有效撬动交通、百货、品牌专卖店等周边多元消费，线下客 流显著回升。用户在线下参与"以旧换新"活动，同步出现跨场景消费动线，例如乘坐公交地铁等交通出 行类消费、购买奶茶小食或饭店就餐等餐饮类消费，以及服装、百货等其它产品，银联联合商业银行、 品牌商户，联合开展"银联优惠日"品牌营销，推出覆盖购物百货、茶饮轻餐、公交地铁、酒店、影院等 热门场景的支付优惠，激发商圈消费活力。 二是人工智能家电成为热门年货。新春佳节，在"以旧换新"政策的支持下，AI家电成为年货"顶流"，越 来越多的家庭加速迈入"从有到智"的新阶段。在上海五角场苏宁易购Max店，根据食材调整温湿度的智 能保鲜冰箱、主动识别衣物材质实现精细护理的洗烘一体机、能听懂方言并识别模糊指令的智能电视， 成为门店最受欢迎的AI家电"三大件"。在"国补"政策的持续加力下，居民自主消费意愿增强，相关品类 交易规模显著放大，显示出财政资金与民 ...

Core Viewpoint - The launch of the "Nihao China" app by China UnionPay aims to enhance the convenience of inbound tourism in China by providing a comprehensive digital service platform for foreign visitors, covering payment, travel, and lifestyle needs [1][2]. Group 1: App Features and Services - The "Nihao China" app integrates various practical functions centered around payment and travel, facilitating a seamless experience for international tourists [6]. - The app supports international credit cards such as UnionPay, Visa, and MasterCard for both online and offline payments, covering high-frequency consumption scenarios like transportation, accommodation, and shopping [9]. - It provides travel services across 43 major cities and over 1,760 county-level cities in China, enabling "one-code access" for public transportation and offering navigation to nearby ATMs and currency exchange points [9]. Group 2: Technological Innovations - The app features a high-efficiency and secure account opening process through layered verification and rapid card issuance, ensuring a smooth onboarding experience for users [5]. - It includes real-time currency exchange rates for over 160 currencies, addressing cross-currency payment challenges [9]. Group 3: User Experience Enhancements - The app incorporates real-time translation tools and multi-language support to eliminate language barriers, enhancing communication for foreign visitors [10]. - It offers personalized recommendations based on user preferences and habits, assisting tourists with inquiries about attractions, transportation, and dining options [10]. Group 4: Strategic Partnerships - The travel card service within the app is a collaborative innovation between Shanghai Bank and China UnionPay, reflecting a strategic partnership aimed at improving payment convenience for inbound tourists [5]. - Shanghai Bank plans to continue its collaboration with China UnionPay and other stakeholders to further enhance the app's services and user experience [10].