Group 1: Internet Development and User Growth - As of December 2025, China's internet user base is projected to reach 1.125 billion, with an internet penetration rate exceeding 80% [1] - The user base for generative artificial intelligence is expected to reach 602 million, representing a growth of 141.7% compared to the end of 2024 [1] Group 2: AI in Elderly Care - The report highlights that during the 14th Five-Year Plan period, the accelerated application of digital technologies, particularly AI, is enhancing public services in healthcare, elderly care, and education [2] - By December 2025, approximately 30.9 million internet users aged 60 and above are expected to have used AI, with a half-year increase of 9.44 million [2] Group 3: Smart Elderly Care Initiatives - In Hangzhou, a dedicated space for elderly services features various AI robots designed for social interaction, emotional companionship, and health management [5] - The implementation of smart elderly care initiatives is transitioning from concept to daily practice, with cities like Hangzhou and Shanghai enhancing services through smart technology [7] Group 4: Autonomous Driving Developments - The report indicates that 2025 will mark the commercial launch of high-level autonomous driving, with the first L3 conditional autonomous vehicles receiving approval for trial operations in designated areas [10] - L4 level autonomous buses are already in operation in Shenzhen, showcasing advancements in driverless technology [16] Group 5: Cross-Border Payment Innovations - By 2025, China's online payment transaction volume is expected to remain high, with breakthroughs in cross-border payment interoperability enhancing the consumer experience for foreign visitors [19] - The "Nihao China" app, launched by China UnionPay, will serve as a core hub for international card payments, supporting over 160 currencies and facilitating seamless transactions for millions of merchants [21]

央视网消息：2025年，中国入境游呈现"中心城市引领、边境区域活跃、全域线路贯通"的新格局。240小时过境免签、区域性免签等政策精准发力，叠 加智能通关、跨区域服务配套优化，跨区域游览旅客占比升至41%，从北京王府井到黑龙江黑河口岸，从上海外滩到广西东兴小城，全域旅游正成为高水平 开放的新名片。 2025年超半数跨区域入境游客选择"核心城市+边境小城"线路。全国旅检口岸实施过境免签手续一次办结，14个重点口岸推广"刷脸"智能通关，人均通 关10秒，从都市繁华到边关风情，政策赋能与服务升级双向发力，全域旅游正让中国入境游焕发全新活力。 入境免税消费迎爆发式增长 2025年，中国入境游与免税退税消费形成强劲共振，推动入境游客从"观光打卡"向"深度购物"转身，中国正加速跃升为国际消费目的地。 2025年，国家移民管理局对54国入境旅客实施的240小时过境免签政策，实现"一地入境、多省游览"的便利化升级：云南磨憨口岸开通"15分钟快速通 关"通道，试点建设车辆快捷通关系统；广西东兴试点中越跨境二维码支付，越南游客在口岸扫码即可畅享广西美食，2025年东兴边检站全年查验出入境人 员超1000万人次，同比增长13%。 中 ...

2026年1月19日，为期一周的世界经济论坛年会（冬季达沃斯论坛）正式开幕，来自世界各地的政界要 员、著名学者、企业家代表等汇聚一堂。本届年会以"对话的精神"为主题，旨在让与会者进行思想碰撞 并促成合作，探索应对互联互通挑战的长期解决方案，解锁促进增长、增强韧性与扩大影响力的新机 遇。 在全球数字经济加速演进、跨境贸易蓬勃发展的背景下，中国银联对接国际高标准经贸规则，与全球合 作伙伴深度协同，在数字支付与数字贸易领域持续深耕，构建起多元化、高效能的跨境金融服务生态， 为中外企业跨境经贸往来注入强劲动力。从优化双向跨境支付体验到创新对公支付解决方案，从数字贸 易场景延伸到"一带一路"沿线布局，银联与国际伙伴携手书写跨境支付互联互通的合作篇章。 构建双向支付服务体系 优化跨境人员经贸往来体验 为满足跨境人员流动与经贸往来的多元化支付需求，银联持续推动卡基网络和账基网络的底层互通及端 到端对接，实现卡到卡、卡到账、账到卡、账到账的全形态资金流转，解决不同形态网络兼容问题，构 建起覆盖境内外的双向支付服务体系。 在服务中国公民出境方面，银联落地推广"繁花行动"，携手境内商业银行开展精细化用户经营，打 造"境内境外皆好 ...

2026年1月19日，为期一周的世界经济论坛年会（冬季达沃斯论坛）正式开幕，来自世界各地的政界要 员、著名学者、企业家代表等汇聚一堂。本届年会以"对话的精神"为主题，旨在让与会者进行思想碰撞 并促成合作，探索应对互联互通挑战的长期解决方案，解锁促进增长、增强韧性与扩大影响力的新机 遇。 在全球数字经济加速演进、跨境贸易蓬勃发展的背景下，中国银联对接国际高标准经贸规则，与全球合 作伙伴深度协同，在数字支付与数字贸易领域持续深耕，构建起多元化、高效能的跨境金融服务生态， 为中外企业跨境经贸往来注入强劲动力。从优化双向跨境支付体验到创新对公支付解决方案，从数字贸 易场景延伸到"一带一路"沿线布局，银联与国际伙伴携手书写跨境支付互联互通的合作篇章。 构建双向支付服务体系 优化跨境人员经贸往来体验 为满足跨境人员流动与经贸往来的多元化支付需求，银联持续推动卡基网络和账基网络的底层互通及端 到端对接，实现卡到卡、卡到账、账到卡、账到账的全形态资金流转，解决不同形态网络兼容问题，构 建起覆盖境内外的双向支付服务体系。 在服务中国公民出境方面，银联落地推广"繁花行动"，携手境内商业银行开展精细化用户经营，打 造"境内境外皆好 ...

Group 1 - The core viewpoint of the articles emphasizes UnionPay's evolution from a service primarily for Chinese cardholders to a global payment network, showcasing its commitment to expanding its international presence and adapting to the mobile payment trend [1][2][4]. Group 2 - UnionPay's internationalization began in 2004 in Hong Kong, aiming to address the payment challenges faced by Chinese travelers abroad, and has since expanded to cover 183 countries and regions with over 75 million merchants accepting UnionPay [2]. - The establishment of UnionPay International in 2012 marked a significant step in its global strategy, leading to a comprehensive product matrix that includes mobile payment solutions, enhancing its competitive edge [2][3]. - UnionPay has issued over 200 million cards in 83 overseas markets, with a notable penetration rate in the Asia-Pacific region, and has launched over 200 cooperative wallets in 37 countries [2][3]. Group 3 - UnionPay employs a dual-track strategy for market expansion, utilizing G2G (government-to-government) models in regulated markets and N2N (network-to-network) models in mature commercial markets to facilitate efficient connections with local payment networks [3]. - The company is also involved in building a new "four-party model" open ecosystem, acting as a hub connecting various stakeholders in the payment industry, exemplified by projects like the QR code interoperability between China and Indonesia [3][4]. Group 4 - UnionPay's role has evolved from a "builder" of payment infrastructure to an "enabler" of industry standards, exporting its technology and standards to enhance digital payment capabilities in countries like Laos and Thailand [4]. - The company is actively participating in national infrastructure projects, such as the upcoming cross-border QR code unified gateway set to launch in 2025, which aims to improve cross-border payment efficiency [3][4]. Group 5 - UnionPay's services cater to both individual consumers and businesses, offering a range of products including standard credit and debit cards, as well as specialized cards for cross-border tourists and students [5][6]. - The introduction of mobile payment tools like UnionPay Mobile Pay and QR code wallets allows cardholders to enjoy convenient payment services in over 100 countries [6]. Group 6 - To enhance the payment experience for foreign visitors in China, UnionPay has launched products like the "Jinxiu Zhonghua Card" and the "Nihao China" app, which integrates various services to facilitate seamless transactions [7]. - UnionPay is also promoting the integration of foreign wallets into the Chinese payment ecosystem, allowing users to pay using local payment habits, which has shown significant growth in transaction volumes [7]. Group 7 - UnionPay is positioning itself as a digital bridge connecting different currencies, payment habits, and cultures, contributing to a more open and inclusive global payment ecosystem [8]. - The company's development practices highlight that the competitiveness of a payment network in the digital age relies on both the breadth of coverage and the depth of ecosystem connections [8].

Group 1 - The core idea of the news is the launch of the "Nihao China" App by China UnionPay, aimed at addressing the challenges faced by foreign visitors in currency exchange, payment, and communication, thereby enhancing the overall inbound service experience [1] - The Chinese government is extending the visa-free transit policy from 72 and 144 hours to 240 hours, which is expected to significantly boost inbound tourism, with a projected increase of 27.2% in foreign visitors by December 2025 [1] - The "14th Five-Year Plan" emphasizes improving the convenience and internationalization of inbound tourism, indicating a clear direction for high-quality development in this sector [1] Group 2 - The Ministry of Commerce, the People's Bank of China, and the financial regulatory authority have issued a notice to enhance collaboration between commerce and finance, focusing on promoting inbound consumption and improving payment convenience for foreign visitors [2] - The "Nihao China" App supports not only UnionPay cards but also major international bank cards like Visa and Mastercard, which lowers the initial usage barrier for foreign users [2] - There is a need for local governments to enhance payment convenience and service offerings to meet the diverse needs of foreign tourists, as the characteristics of inbound tourism are evolving towards more personalized and localized experiences [2]

Core Viewpoint - The "Nihao China" App, launched by China UnionPay at the China International Tourism Trade Fair, aims to provide a one-stop digital service for foreign visitors in China, enhancing the convenience of inbound tourism and supporting the country's new openness strategy [1][10]. Group 1: App Features - The "Nihao China" App integrates core functions of payment and travel, supporting UnionPay, Visa, and Mastercard for diverse payment scenarios, including transportation, accommodation, and shopping, allowing seamless QR code payments for inbound tourists [4][6]. - The app covers public transportation services in 43 major cities and over 1,760 county-level cities, enabling "one code for access" and providing navigation to nearby ATMs and currency exchange points [4][6]. - It offers real-time currency exchange rates for over 160 currencies, including USD, CNY, and EUR, addressing cross-currency payment challenges [4][6]. Group 2: Collaborative Efforts - China UnionPay leverages its platform to collaborate with various partners, enhancing the quality of tourism services and expanding payment coverage through integration with WeChat and Alipay [6]. - The app supports online payments for over 300 applications, including 12306, Ctrip, Meituan, and JD.com, ensuring a complete payment loop in tourism services [6]. Group 3: Technological Empowerment - The app features real-time translation tools for multiple languages, facilitating communication and removing language barriers for foreign travelers [9]. - It provides smart query functions and personalized recommendations based on user information and habits, enhancing the overall travel experience by offering accurate information on attractions, transportation, and dining [9]. Group 4: Strategic Importance - The launch of the "Nihao China" App represents a significant innovation in cross-border digital services by China UnionPay, aligning with national goals to improve inbound tourism convenience and promote high-quality development in the cultural and tourism sectors [9][10]. - The app exemplifies China's commitment to deepening openness and fostering cultural exchanges, with plans for ongoing product optimization and expansion of domestic and international partnerships [10].