Podcasts about Alipay

In today's MadTech Daily, we cover Ant Group transforming Alipay into an AI-powered platform, Hyundai testing containerised ad tech, and Coupang being hit with a record fine over a massive data breach.

Dr. Pramod Varma, chief architect of Aadhaar, UPI, and the India Stack, and co-founder of Networks for Humanity, joins host Tushar Shetty to discuss the design philosophy and the next stages of India's Digital Public Infrastructure.We discuss the core principles that distinguish the India Stack from platform models like Alipay and PayPal, the Account Aggregator framework's consent architecture and its relationship to data protection regimes like the GDPR, the extension of DPI logic to business identity and flow-based lending through the Unified Lending Interface, the role of AI as both a driver of demand for DPI foundations and an opportunity for, the case for DPI as a replicable global model for the democratization of technology.For more in-depth analysis on South Asia, subscribe to the Beyond the Indus podcast on Spotify or Apple Podcasts, or follow us on YouTube for video episodes.

Send us Fan MailThe final live podcast recording from UKREiiF.Sarah Canning, Dan Smith and Deenie Lee are closing out the Housed Shared Living Summit with a candid, tired, and upbeat debrief on what we heard across three days of shared living conversations.We connect the dots between building safety, regulation, resident experience, marketing change, and the practical steps the sector can take next year. If you've attended our House Summit we would love to hear your feedback - please comment below or message the hosts or hello@housedpodcast.com This episode is sponsored by Payr, the rent payment platform built for PBSA. Payr lets your international students pay rent from anywhere in the world, on any card scheme, digital wallet, or local payment method, including UnionPay, WeChat Pay and Alipay. And here's the part operators love: no card fees to the operator or landlord, no chargeback risk, and lower opex across your finance team. One platform, one checkout, rent settled instantly. Dan Smith is Founder of RESI Consultancy and Co-Founder of Verbaflo.AI.Sarah Canning and Deenie Lee are Directors and Co-Founders of The Property Marketing Strategists - Elevating the role of Marketing in Property.Who this episode is for:PBSA and student accommodation professionalsBTR, co-living and rental operatorsProperty developers and investorsUniversity and higher education leadersAnyone working in or around housing policy and shared livingThe views and opinions expressed in this podcast are those of the hosts and guests alone and do not necessarily reflect the views of their employers, organisations, clients, or partners. This podcast is for general discussion and informational purposes only. Nothing said should be taken as professional, legal, financial, or investment advice. While we aim to be accurate, we make no guarantees and accept no liability for decisions made based on the content of this podcast. 

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https://rhr.tv/stream Keonne's Prison Appeal for Legal Debt Donations https://x.com/keonne/status/2052066547561070671 Bitcoin Core Discloses CVE-2024-52911 Remote Crash Vulnerability https://bitcoincore.org/en/2026/05/05/disclose-cve-2024-52911/ Bisq Announces V1 Trade Protocol Exploit and Emergency Trading Halt https://primal.net/e/nevent1qqsgm3fvgfc7525a9mcnkpx5z0938av8ke30fmj4shxem7dvq7a3zccs5dsf8 Brian Armstrong Announces Coinbase 14% Staff Reduction for AI Efficiency https://x.com/brian_armstrong/status/2051616759145185723 Strike Ships Bitcoin Lending Expansions and Remittance Features https://x.com/strike/status/2051404604647100902 Indonesia | Digital Payment System with China Established China and Indonesia launched a cross‑border QR payment system connecting China's major payment apps with Indonesia's QRIS network, the country's national digital payment standard, used by over 50 million people. At launch, the system supports Alipay and UnionPay (China's dominant mobile payment platform and the national payment network, respectively), allowing travelers and residents from both countries to scan and pay across borders, with transactions settled directly in yuan and rupiah under a local currency settlement framework. FinancialFreedomReport.org Coco v1 Stable – TypeScript Framework for Cashu Wallets https://primal.net/e/nevent1qqsrhsxmw57eve8xmf6wesc3x23nvva8dyqkwhg0qarllsxsvxpze6gmcct27 Divine, Vine reboot, launches https://primal.net/e/nevent1qqs0pfq8frlp2avsfn4l6krkt5ssfqapemu8sr0fmn07f4fjpmd3zlc28vmpq Maple Matures https://blog.trymaple.ai/meet-maple-the-personal-intelligence-platform/ Apocalypse Early Warning System https://ews.kylemcdonald.net/ Start9 RISC‑V Privacy Router https://router.start9.com/ South African Bitcoiners Under Attack https://propertyrightsdefense.org 03:33 - Opening riff 13:53 - Dashboard 16:03 - Keonne 50:03 - Zaps 52:33 - GUARD Act 58:33 - CVE bug 1:03:13 - Bisq exploit 1:07:18 - The layoffs continue 1:21:53 - Strike lending 1:32:58 - HRF Story of the Week 1:35:03 - Boosts 1:41:33 - Odell plays guitar 1:45:13 - Maple 1:50:43 - Apocalypse early warning 1:52:43 - Start9 router 1:54:13 - South Africa property rights Shoutout to our sponsors: Coinkite https://coinkite.com/ Strike https://strike.me/ Stakwork https://stakwork.ai/ Salt of the Earth https://drinksote.com/rhr Follow Marty Bent: Twitter https://twitter.com/martybent Nostr https://primal.net/marty Newsletter https://tftc.io/martys-bent/ Podcast https://tftc.io/podcasts/ Follow Odell: Nostr https://primal.net/odell Newsletter https://discreetlog.com/ Podcast https://citadeldispatch.com/

In this episode, we sit down with Allen Fu, a global e-commerce strategist, product sourcing expert, and China insider who has spent years on the ground learning how the world's fastest-moving economy really works. Born in Australia with deep Chinese roots, Allen bridges East and West, helping entrepreneurs understand how billion-dollar platforms, factories, and supply chains actually operate behind the scenes. From live selling explosions to massive expos like the Canton Fair, Allen has seen what most business owners never will.Allen shares what it's really like doing business in China — not the polished version you see online, but the raw truth. We talk about how companies in China are making over $1 million per hour through live social selling, why the West is years behind, and what entrepreneurs must do to catch up. Allen explains how cities evolve faster than entire countries, how convenience and speed drive success, and why China's execution mindset leaves no room for excuses.This episode also dives into the dark side of sourcing. Allen breaks down real stories of people losing tens of thousands of dollars at the Canton Fair, the red flags to watch for with suppliers, and how to avoid scams on platforms like Alibaba and 1688. He explains when middlemen are dangerous — and when they're actually your secret weapon.We also explore the rise of platforms like Temu, how dead stock turned into billion-dollar empires, and the cultural differences that shape pricing, branding, and buying behaviour. This conversation will challenge how you think about business, risk, and opportunity.If you're interested in entrepreneurship, e-commerce, global business, or building something bigger than yourself, this episode will open your eyes and give you practical insights you can actually use.In this episode:China plans in decades, not election cycles: Unlike the West, China operates on long-term economic and infrastructure planning, which accelerates execution and innovation.Live social selling in China is years ahead of the West: Brands regularly generate millions in sales within hours through livestream commerce—long before it became a trend in the West.Convenience is China's greatest advantage: From drone-delivered bubble tea at the Great Wall to super-apps like WeChat and Alipay, daily life is hyper-optimized for speed and ease.Robotic assistive tech is already mainstream: Rentable robotic leg supports reduce knee pressure by up to 70%, making mountains accessible to the elderly and injured.The Canton Fair is NOT for beginners: If you don't have at least $10,000 USD per SKU, the Canton Fair is more educational than practical for sourcing.Middlemen (trading companies) aren't always bad: They play a crucial role by aggregating factory MOQs, handling customization, and enabling smaller brands to enter the market.Temu's rise was a strategic factory takeover: Temu reportedly bought massive volumes of factory dead stock upfront, enabling ultra-low pricing and explosive global expansion.A new era of commerce. Built by Dylan and his team. Add your name to the list here.

Brian Sampson is  cycling through China for the second time, and this update is packed with everything you'd actually want to know before attempting it yourself. He covers the apps that make daily life manageable (WeChat, Alipay, trip.com, and a VPN you'll need from day one), how to find hotels that accept foreign passports, what border crossings look like, and why cycling in northern China is a completely different experience to the mountainous south. Brian also shares his highlights so far including the Terracotta Warriors, the Great Wall at Yanmen Pass, and a hidden ancient town in Hunan Province he thinks deserves far more attention than it gets. Be sure to follow Brian via his instagram @brian.sampson4 - to keep up to date with his adventures.  Check out the Manzanita Cradle from Old Man Mountain Support the showBuy me a coffee!I'm an affiliate for a few brands I genuinely use and recommend including:

AI is fundamentally changing how consumers search, discover, and buy.In this Asia-Pacific edition of 5 Things Friday, we explore the next wave of retail transformation:* The rise of Answer Engine Optimisation (AEO) and how AI search is replacing traditional SEO* Why zero-click commerce is reshaping customer journeys and reducing friction* China's rapid retail and technology expansion into Southeast Asia* How super apps like WeChat and Alipay are redefining loyalty and ecosystems* The growth of experiential retail brands like Chagee (霸王茶姬) across Asia-PacificWe also break down the most important shift:

Sanction contre un proche de la Première ministre japonaise, incursion d'un militaire japonais dans l'ambassade de Chine à Tokyo, la tension est vive entre les deux plus grandes économies d'Asie. Des propos de la Première ministre japonaise Sanae Takaichi évoquant une potentielle réaction de son pays en cas de blocus ou d'invasion de Taïwan ont ouvert une phase gel dans les relations sino-nippones. RFI s'est rendu au Japon à l'invitation du FPCJ (Foreign Press Center Japan), une institution en partie financée par le gouvernement japonais.  De notre envoyé spécial, Une poignée de touristes, de scientifiques et d'amoureux de la nature, partagent la trentaine de sièges d'un Dash 8, turbopropulseur qui effectue le trajet entre Naha, la capitale de la préfecture d'Okinawa et Yonaguni. Il faut survoler durant plus d'une heure et quart des eaux limpides avant d'apercevoir les falaises encerclant l'îlot de 1 600 habitants. Au milieu de ce décor de carte postale où des chevaux sauvages gambadent dans les prairies verdoyantes, une structure s'impose dans le paysage : la base militaire, installée depuis 2016. Nous sommes à à peine plus de 100 kilomètres de Taïwan. L'île de facto indépendante que Pékin souhaite récupérer est au cœur de la brouille entre Tokyo et Pékin. La dispute entre voisins a éclaté en novembre 2025. À la Diet, le Parlement japonais, la Première ministre a évoqué une potentielle réaction de son pays en cas de blocus ou d'invasion de Taïwan, en vertu du principe de « légitime défense collective ». Une brèche ouverte en 2015 dans la Constitution pacifiste du pays, lui autorisant une action militaire en cas de menace sur sa propre existence. En réponse, la Chine a multiplié les mesures : limitation des vols vers le Japon, boycott touristique, restrictions sur les exportations de terres rares, sanctions sur un député japonais proche de Sanae Takaichi, mais aussi manœuvres militaires. À Yonaguni, le point le plus à l'ouest de l'archipel, les soubresauts géopolitiques entraînent depuis de longues années des conséquences concrètes. Drones, missiles sol-air Quelques jours après les déclarations polémiques de la cheffe du gouvernement japonais et au lendemain d'une visite du ministre de la Défense sur l'île, des avions de chasse ont décollé à la hâte. Un drone soupçonné d'être chinois a été détecté entre Taïwan et le petit rocher nippon à 2.000 km de la capitale. Un accident loin d'être isolé, amené à se reproduire. Tokyo augmente le budget de sa défense à 2% du PIB et souhaite poursuivre la militarisation de Yonaguni, au grand dam de Pékin. Depuis dix ans, 230 soldats d'une garnison de surveillance côtière sont venus assister aux premières loges à l'intensification des manœuvres chinoises autour de Taïwan. Une unité de guerre électronique puis des missiles sol-air de moyenne portée seront installés en 2030, dans ce site stratégique à quelques encablures de Taipei. « Compte tenu de la situation à Taïwan, et de la nécessité de protéger le territoire, la présence de militaires ici est inévitable, explique Tsueno Uechi le maire de l'îlot. L'homme pourtant réputé moins belliqueux que son prédécesseur a accepté l'installation. Il faut dire que l'île a pris l'habitude d'être au cœur du jeu géopolitique, particulièrement la quarantaine de pêcheurs qui arpentent les eaux à la recherche d'espadon. « Les navires chinois nous suivent systématiquement » « En 2022, quand Nancy Pelosi, présidente de la Chambre des représentants américaine était en visite à Taïwan, cinq missiles chinois sont tombés dans la zone économique exclusive du Japon, raconte Hiromoto Ogimi dans son salon, entouré de ses prises les plus imposantes, notamment les rostres, le nez pointu des espadons, soigneusement empaillées ». « Quand il y a des exercices militaires chinois, je ne sors plus en mer. Si on va vers les îles Senkaku, on voit souvent les garde-côtes japonais qui nous disent de ne pas trop rapprocher. Parce que les navires chinois y sont et nous suivent systématiquement ». Car en plus d'être proche de Taïwan, Yonaguni est située à moins de 150 kilomètres d'un autre point de tension clé : Senkaku en japonais, Diaoyu en chinois. Huit rochers sous souveraineté nippone, revendiqués par Pékin. « Presque chaque jour, nous constatons la présence de navires de la police maritime chinoise », assure un officiel des garde-côtes nippons, tout en estimant que la situation dans la zone est restée stable depuis novembre et le début du nouveau froid entre les deux voisins. Mais la tension entre les deux géants asiatiques est aussi palpable dans la capitale japonaise. Les groupes de touristes chinois ont déserté les rues animées d'Asakusa, quartiers prisés des visiteurs étrangers. En bordure du temple Senso-ji, la plupart des magasins affichent la possibilité de régler par Wechatpay ou Alipay. Des moyens de paiement privilégiés par les 9 millions de visiteurs annuels venus de l'Empire du milieu, une catégorie à part, si importante que l'industrie dédiée à leur accueil a un surnom Yi Tiao Long : « un dragon ». Mais le Parti communiste chinois a poussé sa population à renoncer à ces voyages au Japon. Une mesure efficace : leur nombre a chuté de 54% sur le début de l'année selon les chiffres officiels. « Maintenant il y a autant de touristes chinois que de visiteurs qui viennent d'autres pays... avant ils représentaient 70% de nos clients... », déplore la responsable chinoise d'un magasin de location de Kimono. Certains sont plus impactés que nous. Plusieurs boutiques de location de Kimono ont même dû fermer, car elles dépendaient à 80 ou 90% des touristes chinois. Même si les Européens et Américains viennent, ils ne consomment pas autant, les Chinois eux sont souvent plus dépensiers ». Ils représentaient 11 milliards d'euros de dépenses l'année dernière (2025). Une perte compensée par la hausse des touristes étrangers souhaite rassurer l'agence de tourisme japonaise. Attirés par la chute du Yen, les Américains, Canadiens, Européens ou Sud-Coréens se sont rués à Kyoto, Tokyo et Osaka, portés aussi par une stratégie visant à diversifier les visiteurs. « Parallèlement, nous souhaitons mener des promotions stratégiques pour accueillir des touristes de nombreuses autres régions et pays du monde », explique avec prudence Mr Nakano Takeshi, vice-commissaire de l'Agence de Tourisme du Japon. En creux, l'objectif est de réduire la dépendance, en privilégiant des voyageurs individuels occidentaux ou sud-coréens plutôt que les groupes de touristes chinois. « Tout le monde préfère la paix » D'autant que dans un pays où la colère de la population vis-à-vis du surtourisme est palpable, s'ajoute une défiance bien ancrée vis-à-vis des voisins chinois. Plus de 80% des Japonais déclarent avoir une opinion négative de la Chine depuis 2013. Une méfiance réciproque et particulièrement difficile à vivre pour les près d'un million de Chinois vivant dans l'archipel. Certains tentent malgré tout de plaider pour la coexistence et le dialogue au plus bas niveau. En témoignent les éclats de rire résonnant devant la station de métro d'Ikebukuro. Chinois et Japonais sont venus échanger et débattre. « Beaucoup de Chinois qui vivent ici n'ont pas d'amis japonais. Parce que les Japonais sont xénophobes mais également assez introvertis », confie Shigeru Takano, un Japonais qui a lancé ce groupe d'amitié il y a trois ans et demi. Il voit désormais chuter le nombre de participants. Tous estiment que le froid politique est là pour rester, mais placent leur foi dans les échanges humains. « Les gouvernements sont les gouvernements et les gens sont les gens. Ici tout le monde préfère la paix », souffle un expatrié chinois. Derrière lui, un autre rend ses autorités responsables. « Tous ces problèmes politiques dépendent directement des hauts dirigeants chinois. En une phrase, tout peut être réglé par Xi Jinping. S'il veut que ça se passe bien, alors les choses se passeront bien. Assure cet homme originaire du Shandong qui requiert l'anonymat. En Chine, les gens sont hostiles aux Japonais à cause de la propagande anti-américaine et anti-occidentale : ils subissent un lavage de cerveau ». Un discours en écho avec celui que tient l'homme à l'origine du groupe. « Le gouvernement japonais actuel, avec des politiciens d'extrême droite comme notre Première ministre Sanae Takaichi, est xénophobe, renchérit Shigeru Takano. Cela va limiter le développement économique du Japon. Je pense que le peuple japonais finira par se réveiller. Aux prochaines élections, ces politiciens d'extrême droite devront quitter le gouvernement ». Un vœu loin d'avoir été exaucé. La ligne ferme de Sanae Takaichi, refusant de céder face à la pression de Pékin a été largement récompensée par un raz-de-marée électoral en février. Elle n'a pas rétropédalé, ni présenté des excuses après ses propos sur Taïwan contrairement à nombre de ses prédécesseurs. Si Tokyo assure que la politique de l'archipel n'a pas évolué sur ce dossier ultra-sensible, « les propos de la Première ministre ont pu surprendre à Pékin », estime Hotaka Machida, ancien diplomate japonais en Chine, désormais chercheur invité à l'Institut de géoéconomie de l'International House of Japan. Mais en même temps, les Chinois étaient ultra-vigilants du fait de la réputation de Sanae Takaichi et ils en ont profité pour pousser le Japon à clarifier sa position ». Révisionnisme La réputation corrosive de la « dame de fer japonaise » n'est peut-être pas étrangère à l'intensité de la réaction chinoise. La Première ministre a longtemps été une habituée du sanctuaire Yasukini. En ce dimanche de printemps, les visiteurs sont nombreux à s'incliner devant le gigantesque Toori, porte rouge marquant l'entrée dans ce lieu hautement polémique. Un geste qui marque leur respect envers les plus de deux millions d'âmes honorés dans ce temple shinto. Ici sont déifiés les morts des guerres du Japon aux XIXème et XXème siècle, dont 1 618 criminels de guerre, certains condamnés pour crime contre l'humanité pour leurs responsabilités dans les horreurs commises par l'armée nippone durant son occupation d'une large partie de l'Asie. Chaque visite de politicien provoque l'ire de Séoul et de Pékin. « Je ne comprends absolument pas pourquoi la Chine et la Corée du Sud critiquent ce lieu », souffle Oga Toko, venu rendre hommage à son grand-père, mort durant la Seconde guerre mondiale. « Personnellement, je serais touchée de voir la Première ministre venir ici. » « La Chine et la Corée du Sud prennent le Japon comme bouc émissaire. Nous étions obligés d'envahir nos voisins à cause de la menace militaire américaine.... renchérit un passant. Le massacre de Nankin par exemple n'a jamais eu lieu. » Des propos révisionnistes qui font référence aux crimes de masse commis par l'armée impériale japonaise en 1937, dans l'ex-capitale chinoise. Durant six semaines d'horreur, des centaines de milliers de civils sont assassinés, et des dizaines de milliers de personnes violées. Des faits largement documentés notamment par des historiens japonais, mais contestés par une partie des soutiens de Sanae Takaichi, qui a elle-même flirté avec cette ligne tout en évitant soigneusement pour l'instant des propos ou une visite polémique qui provoqueraient l'ire de Pékin. Un paradoxe alors qu'elle assume ses ambitions sur un autre dossier : celui de la réforme constitutionnelle permettant d'abandonner le pacifisme. « L'heure est venue », a-t-elle déclaré ce dimanche (12 avril) aux délégués du Parti Libéral Démocrate à l'occasion de la convention annuelle. Avec une promesse, se présenter à cette réunion en 2027 avec un plan précis pour réformer la constitution. « Un rêve de longue date » selon elle, qui se fera certainement au détriment des relations avec son imposant voisin.

How to Plan an Independent Trip to China: Trains, Apps, Payments & Real TipsWhen you think of China, you probably think of Beijing, Shanghai, or the Great Wall. But planning an independent trip across such a vast and culturally different country can feel overwhelming.In this episode of the Global Travel Planning Podcast, Tracy Collins is joined by traveller Lucy, who shares insights from her recent independent adventure across China with her long-time travel partner Joe.Together, Tracy and Lucy unpack what it is really like on the ground, from high-speed rail journeys and cashless payments to language barriers, food discoveries, and cultural surprises. Lucy also reflects on how travelling as a pair shaped their experience, from planning logistics to navigating busy stations and unfamiliar technology.Moving beyond the “big three” cities, Lucy and Joe explored destinations such as Pingyao and Yangzhou, offering honest insight into what first-time visitors truly need to know before they go.If China feels exciting but intimidating, this episode will give you practical tools and the confidence to plan your own independent adventure.In this episode you'll learn:How to realistically plan long-distance travel across ChinaWhat booking high-speed trains is really like (and why Trip.com helps)How China's passport-linked, paperless ticketing worksWhy nearly everything is cashless - and how to set up Alipay or WeChat before arrivalEssential apps including Amap, Didi, translation tools, and VPN-enabled eSIMsHow to navigate menus without EnglishWhy booking flexible hotels mattersWhat to expect from public toilets and cultural etiquetteHow to structure an itinerary beyond Beijing and ShanghaiGuest - Lucy EnglandShow notes - Episode 93

In de Baanbrekende Businessmodellen update praten we je elke vrijdag bij over het laatste nieuws uit de wereld van business. Met deze keer, China-deskundige John Lin.☑️ BYD maakt een einde aan laadstressMet een laadtijd van slechts 5 minuten voor honderden kilometers bereik, zet BYD de EV-markt opnieuw op z'n kop. Door slimme bufferaccu's te gebruiken, omzeilt het bedrijf de beperkingen van het elektriciteitsnet.☑️ Ouders matchen hun kroost via een appOp het platform Wanmei Qinjia nemen Chinese ouders het heft in eigen hand om een geschikte partner voor hun kind te vinden. Regelmatig weten de kinderen in kwestie niet eens dat hun hard specs online staan.☑️ Run op Bubble TeaDe nieuwe AI-agent van Alibaba bestelde in mum van tijd 10 miljoen bekers Bubble Tea. Dankzij de integratie met super-apps zoals Alipay kan Chinese AI nu direct handelen, waar de competitie in het westen afhankelijk is van partnerships.See omnystudio.com/listener for privacy information.

This week on Sinica, I speak with Daniela Stockmann and Ting Luo, co-authors of Governing Digital China, a new book that examines how an authoritarian state governs a digital ecosystem it doesn't fully own, can never fully control, and yet fundamentally depends on. Danie — a professor of digital governance at the Hertie School in Berlin and a returning Sinica guest, having joined us way back in 2014 to discuss her earlier book on media commercialization and authoritarian rule — and Ting, associate professor in government and artificial intelligence at the University of Birmingham, together offer a richly empirical account of the triangular relationship between the Chinese state, major platform companies, and ordinary internet users. Rather than treating firms as mere instruments of party control or citizens as passive subjects of surveillance, they develop a framework they call "popular corporatism," which captures how bargaining, incentives, and user preferences shape what is and isn't permissible in China's digital spaces — including the endlessly misunderstood social credit system.4:32 — The digital dilemma: how digital platforms simultaneously empower economic development and create political risk for the party-state — a tension that isn't unique to authoritarian regimes7:45 — Why the command-and-control model falls short: platforms require technical expertise and user engagement the state lacks, and firms like Tencent and Sina have real leverage as a result11:41 — Popular corporatism explained: why users — including the "silent majority" of lurkers — must be foregrounded in any account of China's digital governance, and how firms become state "consultants" and "insiders"21:09 — The survey: GPS-based nationally representative sampling, how to desensitize politically sensitive questions, and why this kind of research can no longer be conducted in China27:22 — Lurkers vs. discussants: the 90-9-1 rule and the counterintuitive finding that users who perceive more openness on platforms like WeChat and Weibo report higher political trust in the central government35:40 — Functional liberalization: why partial openness should be understood as governance strategy, not mere concession — and what the fandom-community doxing wars illustrate about that39:23 — The social credit system: what it actually is, what it is not, and why the Black Mirror version is a myth42:38 — Two subsystems, one misunderstood system: the financial/commercial credit infrastructure, the local-government behavioral programs, and how Sesame Credit and court blacklists actually fit together46:20 — The privacy paradox and political trust: why convenience routinely overrides stated privacy preferences — and why where Alipay is most embedded, residents trust the state most52:42 — Stability, exportability, and the Orwell-versus-Huxley question: what preconditions popular corporatism requires, which other developmental states it might apply to, and why China's digital governance is better understood as a coercion-cooption balancing actPaying It ForwardTing Luo recommends Ning Leng, assistant professor at Georgetown University and author of Politicizing Business: How Firms Are Made to Serve the Party State in China.Daniela Stockmann recommends Felix Garten, postdoctoral researcher at the Hertie School, whose work examines how Chinese tech companies behave when operating in regulatory environments outside China — including the EU, Malaysia, and Singapore.RecommendationsDaniela: The Legend of the Female General 《锦月如歌》, a Chinese historical drama available on YouTube with English subtitles, especially for anyone interested in internal martial arts and martial heroines in Chinese popular culture.Ting Luo：Bordeaux, France — specifically, just going there and drinking excellent wine.Kaiser: Two Substack newsletters for following China's relationship with the Middle East, especially as the American-Israeli war against Iran continues to unfold: Jonathan Fulton's China-MENA Newsletter and Jesse Marks's Coffee in the Desert See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I'm recording live from Hong Kong during Consensus week with Glenn and Nikola from the TON Foundation.In this episode, we break down how TON is building payment infrastructure for Telegram's 1+ billion monthly active users. We talk about TON Pay. A crypto commerce solution built for developers and merchants.We explore stablecoins. Real-world adoption. Developer experience. Regulation. And what it takes to compete with payment giants like Visa and Stripe.This is not about hype. It's about building usable infrastructure. With better UX. Fewer clicks. And real utility.If you care about crypto payments, stablecoins, or mass adoption, this one is for you.Key Timestamps00:01:20 – Nikola's journey from Visa into Web3 00:02:13 – Glenn's path from cybersecurity to digital assets00:03:42 – What TON Pay is and who it's built for 00:04:12 – The vision: infrastructure for Telegram's billion users 00:04:57 – Lessons from Alipay and WeChat 00:06:09 – Go-to-market strategy and merchant adoption00:07:48 – Competing with Stripe through better APIs00:09:37 – Why Apple Pay–level UX is the North Star00:11:07 – Why regulation and off-ramps matter 00:12:30 – Gasless transactions and technical roadmap00:14:03 – Telegram mini apps as a distribution channel00:15:13 – Stablecoins as real product-market fit 00:16:09 – Partnership opportunities and what TON is looking forConnect with TON Payhttps://ton.org/en/ton-pay-a-new-payments-layer https://x.com/ton_blockchainDisclaimerNothing mentioned in this podcast is investment advice and please do your own research.It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend.Be a guest on the podcast or contact us - https://www.web3pod.xyz/

This week on Pulse: Hot Topics, Louise and George tackle big shifts in medicines safety and the accelerating global AI race in healthcare.Australia moves toward a National Medicines RecordThe Federal Government announces reforms requiring medicines prescribed via online platforms to be uploaded to My Health Record — including clinical context. With medication-related harm accounting for around 250,000 hospital admissions annually, is this the safety infrastructure Australia has needed for decades?AI predicts 130 diseases from one night of sleepA new Nature Medicine study claims a sleep foundation model trained on 585,000 hours of data can predict future risk of more than 130 diseases. Breakthrough preventative medicine — or promising science with important caveats.China's AI healthcare surgeChina's Ant Group health chatbot reaches 30 million monthly users, embedded inside Alipay's super-app ecosystem. Meanwhile, China announces a $2–3 billion national AI healthcare strategy targeting population-scale deployment by 2030. Are we witnessing two divergent AI healthcare futures — cautious and regulated versus centralised and scaled?We are on tour!Charlotte Blease of #DrBot book fame and Louise are hitting the road together. Come see them in person and get your booked signed by Charlotte!Sydney: Tuesday 3rd March 6pm, Gleebooks, Glebe. Get tickets hereMelbourne: Tuesday 10th March 6.30pm, Mary Martin Bookshop, Southbank. Get tickets hereResourcesDr Sara Riggare's Checklist and Resources for Meaningful Engagement of Patients LinkVisit Pulse+IT.news to subscribe to breaking digital news, weekly newsletters and a rich treasure trove of archival material. People in the know, get their news from Pulse+IT – Your leading voice in digital health news.Follow us on LinkedIn Louise | George | Pulse+ITFollow us on BlueSky Louise | George | Pulse+ITSend us your questions pulsepod@pulseit.newsProduction by Octopod Productions | Ivan Juric

Some of China's largest technology companies have spent tens of billions of yuan this year to push artificial intelligence initiatives for the upcoming Spring Festival, marking their most significant effort yet to take AI applications out of labs and into the daily lives of a nation of more than 1.4 billion consumers.今年，中国一些大型科技公司已投入数百亿元，在即将到来的春节期间推广人工智能应用。这是他们迄今为止最大的一次努力，旨在将AI应用带出实验室，融入超14亿消费者的日常生活。The move could potentially give China an early lead in large-scale consumer AI adoption, which may be difficult for its rivals in the United States to replicate, industry experts said.业内专家表示，此举可能让中国在大规模消费者AI应用上率先一步，美国竞争对手或难以效仿。At the center of this effort is Alibaba's Qwen app, which announced a 3 billion yuan ($420 million) holiday campaign starting on Friday. The campaign offers users free food, retail and services, but only if they make purchases through the app's AI-assisted ordering system.阿里巴巴的"通义千问"应用是此番推广的核心，该应用2日宣布开启总价值30亿元的新春活动。这项活动为用户提供免费食品、零售和服务，但前提是他们必须通过应用的AI点单系统进行购买。For example, users could buy a cup of milk tea or coffee for as little as 0.01 yuan, an offer that has sparked a social media frenzy. Many consumers joked online that they were drinking their first "AI milk tea".例如，用户可以花0.01元购买一杯奶茶或咖啡，这一活动在社交媒体上掀起热潮。许多消费者在网上开玩笑说，这是自己人生中的第一杯"AI奶茶"。Alibaba's wider ecosystem, including Taobao flash sales, travel platform Fliggy, ticketing service Damai, grocery chain Hema and payment service Alipay are also participating in the campaign by linking AI prompts directly to ordering and payment systems.阿里巴巴更广泛的应用生态系统也参与了活动，包括淘宝闪购、旅游平台飞猪、票务服务商大麦、生鲜超市盒马和支付宝，将AI提示直接链接到订购和支付系统中。Wang Peng, a researcher at the Beijing Academy of Social Sciences, said: "The move is not simply promotional largesse. It is a behavioral experiment aimed at lowering the cost of trials to near zero and habituating users to use AI for decision-making and transactions."北京市社会科学院研究员王鹏说："此举并非简单的营销推广，而是一项行为实验，旨在将试错成本降至近乎零，使用户逐渐习惯于用人工智能进行决策和交易。"Among the other players, Tencent Holdings' Yuanbao AI assistant distributed 1 billion yuan in digital red envelopes while testing new AI social features. Baidu Inc distributed 500 million yuan in incentives within its core Baidu app, encouraging a user shift from "search" to "ask AI".在其他厂商中，腾讯的"元宝"AI助手在测试新AI社交功能时，分发了10亿元的数字红包。百度则在其核心的百度应用中提供了5亿元的奖励，鼓励用户从"搜索"转向"问AI"。According to Wang, the researcher, this Spring Festival may become a turning point where ordinary users, at scale, form the habit of turning to AI when they need something.在王鹏看来，今年春节可能成为一个转折点，普通用户开始普遍养成需要什么就去找AI的习惯。While Chinese firms are integrating AI into food delivery, travel booking, entertainment and retail, US companies are focusing more on workplace productivity and software automation.当中国企业将AI整合到外卖、旅游预订、娱乐和零售中时，美国企业更关注工作场所的生产效率和软件自动化。Wang emphasized that China's digital infrastructure, including its large population of mobile internet users, deeply entrenched mobile payment systems, and mature online-to-offline commerce networks, gives the country a natural advantage.王鹏强调，中国的数字基础设施具有天然优势，包括大量的移动互联网用户、深度渗透的移动支付系统，以及成熟的线上线下商业网络。"These allow AI systems not only to suggest actions but also to execute payments and services within a closed loop — a level of integration that is harder to achieve in more fragmented Western digital markets," he added.这些优势使AI系统能够在闭环内不仅提供行动建议，还能执行支付和服务，而这种整合水平在数字市场较为分散的西方国家较难实现。Behavioral change消费习惯改变However, Pan Helin, a member of an expert committee under the Ministry of Industry and Information Technology, warned that heavy subsidies do not guarantee lasting behavioral change.不过，工信部信息通信经济专家委员会委员盘和林警告说，高额补贴并不能保证消费习惯的改变。"Holiday red envelopes and free offers can drive a temporary surge, but the real test comes after the incentives fade. The key question is whether users will still order drinks or plan trips via AI when there are no discounts."节日红包和免费活动可以带来暂时的热潮，真正的考验是在福利活动结束后。关键的问题是，当没有折扣时，用户是否还会通过AI订购饮料或计划旅行。"Only AI products that solve real problems and integrate into everyday life will endure. For China's tech giants, the real test of turning trial into habit is only beginning," he said.只有能解决实际问题并融入日常生活的AI产品才能持久。对于中国科技巨头而言，将尝试变成习惯的真正考验才刚刚开始。"frenzy /ˈfren.zi/狂热，疯狂promotional largesse /prəˈməʊ.ʃən.əl lɑːrˈʒes/促销优惠/推广让利temporary surge /ˈtem.pər.ər.i sɜːrdʒ/暂时激增/短期热潮incentive /ɪnˈsen.tɪv/激励措施/奖励

En la entrevista de Vida Digital con Stephanie Gaviria, se presenta el lanzamiento de Toys R Us en Panamá, destacando su estrategia de e-commerce personalizado y omnicanalidad para familias panameñas. Alex Neuman explora cómo la marca combina retail físico con digital, aprovechando la nostalgia y tendencias locales en una temporada navideña clave.​Toys R Us suma el comercio electrónico como canal complementario al fuerte brick-and-mortar panameño, permitiendo compras desde casa, pick-up en tienda y experiencias fluidas. La personalización es clave: la plataforma reconoce al usuario por edad, gustos y perfil para mostrar contenido relevante, con guías de expertos locales como pediatras o psicólogos. Esto diferencia de gigantes impersonales, integrando chat en vivo y picks panameños para sentir un Toys R Us local.​Se curaron más de 70 marcas globales con input de expertos de 1.500 tiendas Toys R Us y conocimiento latino-panameño. Consideran nostalgia millennial, cultura regional, padres estimulantes (colores y aprendizaje), neutrales (sin pantallas) y el auge de "kidults" coleccionistas. El resultado equilibra tradición y tendencias para diversos perfiles familiares.​La plataforma usa Shopify como base intuitiva, integrada con Servientrega, SAP Business One para facturación y WMS automatizado en bodegas. Esto soporta entregas rápidas desde un hub de 20.000 m² en Zona Libre para 27 mercados regionales, haciendo rentable el e-commerce en Panamá pese a su tamaño. Futuras integraciones como AirOps personalizarán landings desde ads, evolucionando dinámicamente.​Stephanie obsesiona con omnicanalidad: canales que "hablan" entre sí, reconociendo al cliente en web, app, tienda o móvil con carritos sincronizados. Diferencia de multicanal; planean CRM, lealtad (2026) y tech como Alipay para unificar datos. Desmiente falta de cultura e-commerce en Panamá citando apps locales; el reto es inversión para 24-48h entregas.​Tiendas físicas son "lugares de juegos donde se venden juguetes", emocionando padres con Babies R Us para madres primerizas (registros, charlas). Productos híbridos como globos terráqueos con app promueven conexión familiar sin aislar. Enfocan juego para unir generaciones, no eliminar pantallas.​Rescatan "donde un niño puede ser niño", con Geoffrey donando a Fundación Obsequio de Vida vía Soho Mall. Mensaje: el juego importa para recuerdos, risas y niño interior en 2025-2026.Enfoque del E-commerceSelección de MarcasTecnología y LogísticaOmnicanalidad y RetosExperiencia y Tiempo de PantallaLegado y Cierre

Spending patterns among China's inbound travelers are shifting toward card-based transactions, experiential and everyday scenarios, underscoring the nation's progress in improving bank card acceptance and payment convenience, said a recent report by the World Tourism Alliance.世界旅游联盟发布的最新报告指出，中国入境游客的消费模式正转向以银行卡支付为主，并更多集中于沉浸式体验和日常消费场景，这凸显了中国在提升银行卡受理环境和支付便利性方面取得的显著进展。It said experiencing Chinese culture is increasingly the primary motivation for foreign visitors. This growing appetite for cultural depth is driving a shift from "checklist sightseeing" to "immersive experiences", making China's cultural treasure trove a key driver of inbound tourism growth.报告称，体验中国文化正成为越来越多外国游客的首要动机。这种对文化深度的渴望，正促使游客从“打卡式观光”转向“沉浸式体验”，中国丰富的文化资产因此成为入境旅游增长的重要推动力。The trend reflects ongoing enhancements to China's card acceptance environment. The report noted that coverage among key merchants reached 99 percent by September 2024. Moreover, tax refund efficiency has also improved significantly. The State Taxation Administration has rolled out "immediate tax refund upon purchase" services since May, drastically cutting refund processing times and enhancing shopping experiences.这一趋势反映出中国银行卡受理环境持续改善。报告指出，截至2024年9月，重点商户的银行卡受理覆盖率已达99%。此外，退税效率也显著提升。国家税务总局自5月起推行“即买即退”服务，大幅缩短退税处理时间，显著提升购物体验。The National Bureau of Statistics said China welcomed 132 million inbound tourists in 2024, marking a 60.8 percent year-on-year increase, with foreign visitors accounting for 26.94 million of these arrivals.国家统计局表示，2024年中国入境游客达到1.32亿人次，同比增长60.8%，其中外国游客达2694万人次。Between the third quarter of 2024 and the second quarter of 2025, Malaysia, Singapore, Australia, South Korea, Germany, the United Kingdom and the United States emerged as the top source markets for inbound spending. Malaysia, Australia and Singapore posted standout year-on-year growth rates — each exceeding 50 percent, said the WTA.世界旅游联盟称，在2024年第三季度至2025年第二季度期间，马来西亚、新加坡、澳大利亚、韩国、德国、英国和美国成为入境游客消费的主要来源市场。其中，马来西亚、澳大利亚和新加坡表现尤其突出，同比增幅均超过50%。Shopping stood out with a nearly 90 percent rise in transaction value. The surge was driven primarily by a sharp increase in the number of credit and debit cards used, while average spending per card remained stable — signaling a broader consumer base rather than higher individual outlays, the report said.购物类消费尤为亮眼，交易额增长近90%。报告指出，这一增幅主要得益于使用信用卡和借记卡人数的显著上升，而单卡平均消费保持稳定——这表明增长来自更广泛的消费群体，而非个体消费金额的提高。The transaction value of transportation spending has been growing strongly, with card usage surging, thanks to greater ease of foreign card payments in transit payment platform systems. Since early 2025, the number of inbound travelers using foreign bank cards for Tap-and-Go metro access has surged, with usage up nearly 60 percent in the second quarter compared to the previous quarter, the report said.由于交通出行支付平台对外卡支付的便利性提升，交通类消费的交易额保持强劲增长，银行卡使用量大幅上升。报告称，自2025年初以来，使用外卡“即刷即走”乘坐地铁的入境游客数量激增，仅第二季度就比上一季度增长近60%。Tap-and-Go is rapidly becoming a preferred payment method for inbound travelers using urban transit, marking a step forward in the internationalization of China's public transport services. Beyond Beijing and Shanghai, other major cities such as Chengdu, Sichuan province and Guangzhou, Guangdong province are also following suit. Major global card networks are also aggressively promoting this payment scenario, offering rebates and cashback incentives.“即刷即走”正迅速成为入境游客使用城市公共交通的首选支付方式，这标志着中国公共交通服务的国际化迈出重要一步。除北京和上海外，成都、广州等主要城市也在加紧跟进。国际主要银行卡组织也积极推广这一支付场景，并提供返现、优惠等激励措施。Dennis Chang, executive vice-president at Mastercard, said: "Today, as Mastercard expands our domestic operations in China, we are proud to upgrade our Pay Like a Local payment facilitation program; enable inbound tourists to make QR code payments in China through Alipay and WeChat Pay; expand the acceptance of overseas-issued bank cards; and allow riders to use Mastercard directly for seamless Tap-and-Go urban rail transit — thereby ensuring improved consumption experiences for international visitors."万事达卡中国区执行副总裁张安表示：“随着万事达在中国拓展本地业务，我们很自豪地升级‘像本地人一样支付'计划；支持入境游客通过支付宝和微信支付扫码付款；扩大境外发行银行卡的受理范围；并允许乘客直接使用万事达卡实现顺畅的‘即刷即走'轨道交通出行，从而进一步提升国际游客的消费体验。”Visa, another US-based card payment provider, said overseas tourists' spending in China saw explosive growth in the first half.另一家美国银行卡支付机构维萨（Visa）表示，今年上半年境外游客在中国的消费出现爆发式增长。The company said transaction volume of its tap-to-pay service saw rapid year-on-year growth, with Guangzhou's inbound tourist tap-to-pay transactions surging over 100 percent. In transportation scenarios, its tap-to-ride service gained widespread popularity, and around 60 percent of overseas tourists in Beijing are using Visa cards for tap-to-ride public transit, according to the company.该公司称，其“轻触支付”服务的交易量同比大幅增长，其中广州入境游客的轻触支付交易量激增逾100%。在交通出行场景中，其“轻触乘车”服务广受欢迎，目前在北京约有60%的境外游客使用Visa卡完成公共交通“轻触乘车”。inbound travelers入境游客immediate tax refund upon purchase即买即退transaction value交易额transaction/trænˈzækʃ(ə)n/Tap-and-Go / tap-to-ride / tap-to-pay即刷即走/轻触乘车/轻触支付rebates and cashback incentives返现激励rebate/ˈriːbeɪt/Incentive /ɪnˈsentɪv/consumer base消费者群体QR code payments扫码支付

Stablecoin neo giá theo đồng đô la là một vũ khí chiến lược mới của Washington. Với Genius Act, chính quyền Trump trang bị cho nước Mỹ thêm một công cụ để mở rộng ảnh hưởng của đồng đô la. Tiền ảo Cryptocurrency là một mặt trận mới trong cuộc tranh giành ảnh hưởng giữa Hoa Kỳ và Trung Quốc. Chính sách kinh tế trong nhiệm kỳ hai của tổng thống Hoa Kỳ Donald Trump và những cuộc xung đột quân sự trên thế giới, sự đối đầu giữa hai siêu cường kinh tế toàn cầu và mức nợ công khổng lồ của Mỹ từng bước làm lung lay hệ thống tiền tệ quốc tế, vốn đã được đình hình từ sau Đệ Nhị Thế Chiến. Lợi thế áp đảo của đồng đô la với phần còn lại trên thế giới có khuynh hướng bị nhân dân tệ của Trung Quốc lấn át. Để làm chủ lại tình hình, Washington đặt cược vào công nghệ số và tiền digital Cryptocurrency.  Xa lánh đô la ?  Tháng 4/2025, tổng thống Donald Trump thông báo áp dụng chính sách « thuế đối ứng » với toàn cầu. Lập tức các chỉ số chứng khoán lao dốc. Cùng lúc hai chủ nợ lớn của Mỹ là Nhật Bản và Trung Quốc mạnh tay bán ra một số công trái phiếu của Hoa Kỳ mà Tokyo và Bắc Kinh đang nắm giữ. Bên cạnh đó là những tuyên bố của chủ nhân Nhà Trắng thách thức tính độc lập của Ngân Hàng Trung Ương và mức nợ khổng lồ của chính quyền liên bang khiến đồng đô la mất giá. Ba tháng sau, tổng thống Trump ban hành sắc lệnh Genius Act thiết lập một khung pháp lý toàn diện cho các loại tiền mã hóa, mà tỷ giá được gắn chặt vào với đồng đô la. Đà phát triển của các công nghệ kỹ thuật số đang làm thay đổi toàn cảnh tài chính tại Hoa Kỳ. Donald Trump từ trước khi ra tranh cử nhiệm kỳ thứ hai, ông và gia đình đã phát hành một đơn vị tiền tệ ảo cá nhân. Tại Nhà Trắng, ông chủ địa ốc New York này muốn biến nước Mỹ thành « quê hương của tiền điện tử », đặc biệt là của tiền ảo Stablecoin và cũng để sử dụng công cụ này như một vũ khí ngoại giao và địa chính trị. Đâu là những lợi thế và rủi ro của Cryptocurrency ? Mỹ đang tính toán những gì và đây phải chăng là mặt trận mới trong cuộc đọ sức với Trung Quốc ? Trên đài phát thanh Pháp France Culture hôm 15/11/2025, chuyên gia về tiền tệ Olivier Blanchard, nguyên kinh tế trưởng Quỹ Tiền Tệ Quốc Tế IMF cho rằng chính sách kinh tế, các đòn thuế quan của tổng thống Trump khiến cộng đồng quốc tế có khuynh hướng giữ khoảng cách với đô la Mỹ :  « Từ khi Trump trở lại cầm quyến, mọi người bắt đầu tự hỏi, mua công trái phiếu kỳ hạn 10 hay 20 năm do kho bạc Mỹ phát hành có còn là điều hợp lý và an toàn nữa hay không. Mặt khác, vấn đề là nếu không đầu tư vào Mỹ, vào công trái phiếu của Hoa Kỳ, thì giới tài chính có nhiều lựa chọn nào hay không ? Nhìn sang thị trường châu Âu, tiềm năng của cả khối này gộp lại có vẻ cũng có triển vọng. Nhưng hiện tại Đức, Pháp đơn phương phát hành công trái phiếu. Riêng Eurobond thì vẫn còn ở quy mô rất hạn hẹp. Cụ thể là vào lúc thị trường công trái phiếu của Mỹ là 30.000 tỷ đô la thì khối Euro mới chỉ phát hành 1.000 tỷ euro công trái phiếu, tức là thị trường châu Âu chỉ bằng 1 phần 30 so với của Hoa Kỳ. Do vậy trước mắt, tôi cho rằng đô la vẫn có giá trị ổn định cao và vẫn là một đơn vị dự trữ an toàn ». Giới hạn từ việc chính trị hóa đồng đô la Có điều ngoài đồng đô la ra thì cũng không một đơn vị tiền tệ nào đủ sức cạnh tranh với đồng tiền của Mỹ. Đó là lý do Washington từ trước tới nay chưa bao giờ ngần ngại khai thác các lợi thế của đô la vì mục tiêu địa chính trị. Kinh tế gia Hélène Rey, trường quản trị kinh doanh London Business School trả lời đài France Culture :   « Do đô la là một đồng tiền được sử dụng rất rộng rãi trong các giao dịch quốc tế, cho nên khi Hoa Kỳ dùng đô la như một vũ khí vì những mục tiêu địa chính trị - như việc cắt Nga khỏi hệ thống giao dịch của các ngân hàng quốc tế SWIFT, do tầm quan trọng của đồng đô la, đồng tiền của Mỹ trở thành một vũ khí cực kỳ mạnh. Chính ở đây ta thấy điểm giao thoa giữa quyền lực, quan hệ quốc tế và tài chính. Và bởi vì vũ khí này quá mạnh, cho nên một số quốc gia – như Trung Quốc và trước đó là Nga, đã cố gắng thoát khỏi hệ thống tiền tệ truyền thống này để xây dựng những hệ thống song song ». Mỹ cũng dùng đòn chia để trị Cũng trong khuôn khổ chương trình của đài France Culture, Eric Monnet giáo sư trường Paris School of Economics (PSE) nhấn mạnh : Washington đang kỳ vọng vào tiền mã hóa để giành lại sân chơi đang bị Trung Quốc gặm nhấm :  « Ngày càng có ít quốc gia chấp nhận đồng đô la như một đồng tiền sử dụng trên thực tế. Chính điều đó có lẽ khiến Hoa Kỳ lo ngại. Washington cảm thấy ảnh hưởng của đô la đang bị thu hẹp lại và nhất là nhiều quốc gia dưới áp lực của Bắc Kinh muốn khẳng định họ tự chủ trên phương diện tiền tệ, để bớt phải phụ thuộc vào đồng tiền của Mỹ. Một lần nữa trên hành trình đi tìm ‘sự độc lập' này, Trung Quốc đã chủ động và lại còn chứng tỏ tính ưu việt của mình. Bắc Kinh có sức thuyết phục để nhiều quốc gia trên thế giới tin tưởng hơn vào Trung Quốc, tin tưởng có thể phát triển mà không  phụ thuộc vào Hoa Kỳ. Chính vì vậy mà Washington muốn giành lại thế thượng phong, giành lại ảnh hưởng cho đơn vị tiền tệ của Hoa Kỳ và đã có những cử chỉ thân thiện với Achentina hay El Salvador, những nước có lập trường thân Mỹ. Chúng ta biết tính cách của Donald Trump ông chỉ muốn đàm phán song phương để áp đặt đối phương phải hành động theo các quy tắc do ông áp đặt ». Nguy cơ khủng hoảng tài chính ngân hàng Về câu hỏi sử dụng các loại tiền mã hóa, có nguy hiểm hay không, Olivier Blanchard đưa ra hai yếu tố để trả lời. « Nhìn từ góc độ của các ngân hàng, tiền ảo thực sự là một thảm họa. Hai mối nguy hiểm lớn liên quan đến Stablecoin đặt ra là thứ nhất nếu các thân chủ ồ ạt dùng tiền ảo này, thì họ sẽ rút tiền ủy thác khỏi các ngân hàng, tức là các ngân hàng không còn vốn để hoạt động, không thể cấp tín dụng, không thể sinh lời … Đe dọa thứ hai, là khi có Stablecoin trong tay, người ta dễ mang đi đầu tư ở những nơi khác để kiếm lãi. Hiện đã mọc lên rất nhiều những trang quảng cáo rất ‘hời', hứa hẹn những mức lãi rất cao. Nhưng bỏ tiền vào đó có an toàn hay không ? Bởi vì những điểm đến đầu tư đó, phần lớn không có ai quản lý. Các hoạt động tài chính đó hoàn toàn nằm ngoài các khuôn khổ quản lý của các giới chức có thẩm quyền. Thành thử người ta dễ bị lừa, dễ mất tiền. Từ đó nảy sinh mầm móng của một cuộc khủng hoảng và đó cũng là thêm một rủi ro nghiêm trọng đe dọa toàn bộ hệ thống tài chính, ngân hàng ». Xung đột lợi ích cá nhân và nghi ngờ tham nhũng Tuy nhiên trong trường hợp của đạo luật đầu tiên tại nước Mỹ về Cryptocurrency được tổng thống Trump ban hành, giáo sư Eric Monnet nêu bật hai nghi vấn liên quan đến đạo luật Genius Act :  « Trump quyết liệt thúc đẩy đạo luật Genius Act, đặt nền tảng pháp lý cho các hoạt động trong lĩnh vực Cryptocurrency. Nhưng ở đây có vấn đề xung đột lợi ích. Một là người ta cho rằng tổng thống Trump đã tạo ra một khung pháp lý vì lợi ích cá nhân và của gia đình ông. Thứ hai, qua các tiết lộ trên báo chí - là điểm mà hiện nay nhiều người thậm chí cho rằng đó là hành vi mang tính chất tham nhũng. Thí dụ như trường hợp đang được bàn luận nhiều nhất hiện tại là việc một quỹ đặc biệt thuộc chính phủ Các Tiểu Vương Quốc Ả Rập Thống Nhất đã mua lại 2 tỷ đô la tiền điện tử do chính tổng thống Hoa Kỳ Donald Trump và gia đình ông phát hành. Lạ thay là chỉ vài ngày sau đó, Washington đã dỡ bỏ một lệnh cấm xuất khẩu trước đây liên quan đến các dòng chip mà tập đoàn Nvidia sản xuất, đó là loại bỏ điện tử thiết hiếu trong lĩnh vực công nghệ trí tuệ nhân tạo. Hoa Kỳ từng viện lý do ‘an ninh quốc gia' cấm xuất khẩu loại chip này sang Các Tiểu Vương Quốc Ả Rập Thống Nhất nhưng sau khi Abou Dabi mua vào 2 tỷ đô la tiền ảo do tổng thống Mỹ và gia đình ông Trump phát hành thì vương quốc Trung Đông này lại được nhập khẩu chip của Nvidia. Ngoài ra Donald Trump đã nhiều lần nhấn mạnh rằng đầu tư và mua vào đồng tiền ảo của gia đình Trump là một hành động chứng minh cho lòng yêu nước ».    Cơ hội trốn thuế và phát triển các hoạt động phi pháp Hélène Rey đưa hai nguy cơ khác khi sử dụng các loại tiền crypto. Mối nguy hiểm thứ nhất mang tính trừu tượng với đa số công luận, là khi dùng tiền ảo, stable coin mà tỷ giá được gắn chặt vào đồng đô, thì một nền kinh tế đang trỗi dậy khó mà tự động điều chỉnh chính sách tiền tệ của mình. Nhưng hiểm họa thứ nhì dễ hiểu hơn như Hélène Rey giải thích : « Đây chính là công cụ để trốn thuế, để lẩn tránh mọi hình thức kiểm soát vốn, mọi quy luật tài chính, tiền tệ. Hệ quả kèm theo là biến tiền ảo stablecoin thành một công cụ phổ biến sử dụng trong các loại giao dịch phi pháp, trong các đường dây dark web. Các hoạt động phi pháp kiểu này được thuận lợi và càng dễ phát triển hơn và tôi nghĩ điều đó sẽ đem lại nhiều hệ quả đối với kinh tế vĩ mô ».  Tham vọng của Bắc Kinh Riêng trong trường hợp của Trung Quốc, Hélene Rey gắn liền việc Bắc Kinh phát triển đồng tiền ảo với mục đích quốc tế hóa đồng nhân dân tệ, để bớt phụ thuộc vào đô la Mỹ. Từ 2014 Ngân hàng trung ương Trung Quốc đã phát triển đồng nhân dân tệ digital : « Ngân hàng Nhân dân Trung Quốc (PBoC) cũng là ngân hàng trung ương đầu tiên triển khai một dạng tiền kỹ thuật số của ngân hàng trung ương (CBDC). Tuy nhiên họ không thật sự thành công vì bị chính các đồng tiền ảo do các tập đoàn như Tencent và Alibaba cạnh tranh. Họ cũng không cạnh tranh lại với những ứng dụng như tức Alipay và WeChat Pay, vốn đã rất phổ biến và được dân Trung Quốc sử dụng rộng rãi từ lâu nay. Điều đó không cấm cản Ngân Hàng Trung Ương Trung Quốc giành lại quyền kiểm soát và đã cho phát hành đồng nhân dân tệ kỹ thuật số. Có lẽ định chế này và giới lãnh đạo ở Bắc Kinh đang đặt cược vào công nghệ để thúc đẩy hơn nữa việc quốc tế hóa đồng nhân dân tệ ». Giành lại hào quang sợ bị đánh mất  Eric Monnet cũng đồng quan điểm. Ông cho rằng Washington đang đẩy mạnh việc phát triển tiền crypto trước hết là để giành lại ảnh hưởng đang bị mai một của đô la, và nhất là muốn tránh để bị Trung Quốc lấn sân và cũng được hưởng « những lợi thế vô cùng to lớn » nếu như nhân dân tệ trở thành một đơn vị tiền tệ quốc tế, một đơn vị dự trữ an toàn. « Chiến lược hiện nay của Bắc Kinh là làm thế nào để ngày càng nhiều quốc gia sử dụng đồng nhân dân tệ trong các giao dịch thương mại. Ngân hàng Trung ương Trung Quốc chủ trương cấp tín dụng cho các quốc gia khác và một khi họ vay được tiền của Trung Quốc thì sẽ nhập khẩu hàng hóa từ Trung Quốc, thanh toán bằng nhân dân tệ.  Vấn đề đặt ra là từ trước tới nay, Bắc Kinh áp dụng chiến lược này với những quốc gia chịu ảnh hưởng của Trung Quốc về mặt địa chính trị địa chính trị của mình, như với Bắc Triều Tiên, Mông Cổ hay gần đây hơn là với Nga. Đó cũng là những quốc gia ít hoặc gần như không dùng đô la. Nhưng khi Bắc Kinh áp dụng chính sách này với những đối tác ngoài vùng ảnh hưởng, như là với Brazil hay Chilê … thì những quốc gia liên quan họ cần được bảo đảm rằng nếu như có trục trặc, dự trữ tiền tệ họ có trong tay vẫn có thể được chuyển sang thành những đơn vị tiền tệ khác. Đó là lợi ích khi sử dụng tiền ảo như stable coin. Hơn nữa đây cũng là lý do vì sao mà Trung Quốc vẫn luôn nắm giữ rất nhiều đô la Mỹ ».

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YeePay is a leading payment service provider that delivers payment solutions for enterprises across industries, including airline & travel, new retail, fintech, administration & education, and cross-border transactions.Prior to founding YeePay, Chen held various roles at Oracle, John Deere Health Care, and AT&T Bell Labs, and served as a director at the Silicon Valley enterprise SVC Wireless. He also co-founded NetVan, a nonprofit promoting internet adoption in traditional industries, and advised China Central Television's documentary The Internet Age, where he interviewed leaders such as Elon Musk, Mark Zuckerberg, Peter Thiel, Reid Hoffman, Jerry Yang, Vint Cerf, and Kevin Kelly.In this episode, you will hear about: The entrepreneurial landscape in China in the early 2000s: challenges and opportunities of building a startup at that time.How YeePay evolved its business model as WeChat Pay and Alipay entered the market.Broader insights on Web3, cross-border transactions, globalization, and the growing role of AI in the future of the payment industry.

Asia's retail landscape is evolving faster than anywhere else on Earth—and this episode brings you the inside view.Host Alex Rezvan sits down with Ryf Quail, Managing Director of NRF APAC, and Low Ngai Yuen, former Chief Merchandise & Marketing Officer at AEON Malaysia, board member at GDEX and OCK Group, and award-winning creative leader, to explore: • The rise of Chinese retail expansion across Southeast Asia • Why super apps like Grab, WeChat, and Alipay are reshaping loyalty and payment ecosystems • How influencer marketing is evolving into a listed industry • The future of responsible sourcing and supply chain transformation • The intersection of culture, experience, and intelligence in modern retailYuen also shares her vision for empowering women through her NGO WOMENgirls and reflects on storytelling, sustainability, and digital creativity.This is Asia's story—fast, mobile-first, and deeply human.

Welcome back to the Crypto Curious Podcast, where we unpack the biggest stories shaping the world of crypto each week.This episode, we're diving into three major headlines:

Ant Group has filed a trademark application for AntCoin in Hong Kong. Ant Group, the Alibaba-affiliated fintech giant behind Alipay, has filed a trademark for AntCoin in Hong Kong. Is the application a hint at the firm's plans to expand into stablecoins and the broader crypto space? CoinDesk's Jennifer Sanasie hosts "CoinDesk Daily." - Break the cycle of exploitation. Break down the barriers to truth. Break into the next generation of privacy. Break Free. Free to scroll without being monetized. Free from censorship. Freedom without fear. We deserve more when it comes to privacy. Experience the next generation of blockchain that is private and inclusive by design. Break free with Midnight, visit ⁠midnight.network/break-free⁠ - Bridge simplifies global money movement. As the leading stablecoin issuance and orchestration platform, Bridge abstracts away blockchain complexity so businesses can seamlessly move between fiat and stablecoins. From payroll providers and remittance companies to neobanks and treasury teams, Bridge powers payments, savings, and stablecoin issuance for thousands – like Shopify, Metamask, Remitly, and more. URL: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://hubs.ly/Q03KGbRK0⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - OwlTing (Nasdaq: OWLS) is building invisible rails for global payments. With OwlPay, businesses and users can bridge fiat and stablecoins, send money instantly across borders, and access stablecoin checkout at lower costs. Licensed worldwide, OwlTing delivers secure, compliant, and regulated infrastructure for the digital economy. Learn more at ⁠⁠⁠⁠⁠⁠owlting.com⁠⁠⁠⁠⁠⁠. - This episode was hosted by Jennifer Sanasie. “CoinDesk Daily” is produced by Jennifer Sanasie and edited by Taylor Fleming.

October saw key moves in institutional blockchain and geopolitics – from Luxembourg's BTC investment to Swift's shared ledger, Europe's RL1, and China's stablecoin moves.

Soirée en live de folie sur les 3 leviers de l'argent : inscription : https://www.grosbillets.com/levier

De cryptomarkt is deze week weer volop in beweging. Bitcoin noteert rond de 122.000 dollar, na begin van de week zelfs kortstondig een nieuw record van 126.000 dollar te hebben aangetikt. Sindsdien is de koers wat teruggevallen, maar de vraag blijft of bitcoin zich blijft gedragen als goud of als risicovol aandeel — of juist zijn eigen pad kiest. Altcoins laten een wisselend beeld zien. Uitschieter is BNB, de munt van Binance, die deze week met 26 procent steeg. Ondertussen blijft Donald Trump nadrukkelijk aanwezig in de cryptowereld. Het bedrijf achter zijn eigen memecoin, Fight Fight Fight LLC, wil 200 miljoen dollar investeren in digitale valuta. Daarmee wil het bedrijf zelf een zogenoemde ‘digital assets treasury company’ worden, vergelijkbaar met wat MicroStrategy doet. Eén van de eerste aankopen die op de lijst staat: de eigen Trump Coin. Daarmee probeert het bedrijf de waarde van die munt verder op te stuwen, al is dat plan niet zonder risico. De munt van Trump was begin dit jaar nog goed voor 45 dollar, maar staat inmiddels rond de 7,50 dollar. Een groot deel van de tokens is bovendien in handen van Trump zelf en de oprichters van het project — zo’n tachtig procent in totaal, waarvan slechts een derde vrij verhandelbaar is. Daarmee zit de voormalige president op een papieren winst van honderden miljoenen, maar het is onwaarschijnlijk dat hij die snel kan verzilveren. Voor de resterende houders van de munt betekent dat vooral veel toekomstige verkoopdruk. Verder lijkt de opmars van stablecoins niet te stoppen. Wereldwijd is inmiddels ruim 300 miljard dollar aan dit soort digitale dollars in omloop. En het zijn allang niet meer alleen cryptobedrijven die zich op deze markt storten. ING werkt samen met Europese banken aan een eigen stablecoin, terwijl ook internetbedrijf Cloudflare plannen heeft. Buiten Europa bouwen de Verenigde Arabische Emiraten aan een nationale blockchain met een eigen Dirham-stablecoin. En zelfs Alipay, onderdeel van de Chinese Ant Group, komt met een gereguleerde euro stablecoin vanuit Luxemburg — een opmerkelijke stap, want de euro-variant loopt nog sterk achter op de dollartokens. De beweegredenen verschillen per partij. Cryptobedrijven hopen mee te liften op het winstgevende model van Tether, dat vorig jaar dertien miljard dollar verdiende aan rente-inkomsten. Financiële instellingen als ING en Cloudflare zien vooral kansen om wereldwijde betalingen sneller en goedkoper te maken. Voor landen als de Emiraten spelen geopolitieke en strategische motieven een rol. En dat een Chinese partij mogelijk een belangrijke rol krijgt in het Europese stablecoinverkeer, zal ongetwijfeld nog stof doen opwaaien. Deze week in de CryptocastEen gesprek met multi-asset-belegger Jeroen Blokland, die kiest voor kwaliteitsaandelen, goud en bitcoin in zijn fonds. Hij heeft een boek geschreven, de 'Grote Herbalancering', waarin hij zijn visie op de economie schetst en vervolgens tot de conclusie komt dat de traditionele 60/40 portefeuille niet meer van deze tijd is. Co-host is Peter Slagter. Met Daniël Mol bespreken we elke week de stand van de cryptomarkt. Luister live donderdagochtend rond 8:50 in De Ochtendspits, of wanneer je wilt via bnr.nl/podcast/cryptocastSee omnystudio.com/listener for privacy information.

De cryptomarkt is deze week weer volop in beweging. Bitcoin noteert rond de 122.000 dollar, na begin van de week zelfs kortstondig een nieuw record van 126.000 dollar te hebben aangetikt. Sindsdien is de koers wat teruggevallen, maar de vraag blijft of bitcoin zich blijft gedragen als goud of als risicovol aandeel — of juist zijn eigen pad kiest. Altcoins laten een wisselend beeld zien. Uitschieter is BNB, de munt van Binance, die deze week met 26 procent steeg. Ondertussen blijft Donald Trump nadrukkelijk aanwezig in de cryptowereld. Het bedrijf achter zijn eigen memecoin, Fight Fight Fight LLC, wil 200 miljoen dollar investeren in digitale valuta. Daarmee wil het bedrijf zelf een zogenoemde ‘digital assets treasury company’ worden, vergelijkbaar met wat MicroStrategy doet. Eén van de eerste aankopen die op de lijst staat: de eigen Trump Coin. Daarmee probeert het bedrijf de waarde van die munt verder op te stuwen, al is dat plan niet zonder risico. De munt van Trump was begin dit jaar nog goed voor 45 dollar, maar staat inmiddels rond de 7,50 dollar. Een groot deel van de tokens is bovendien in handen van Trump zelf en de oprichters van het project — zo’n tachtig procent in totaal, waarvan slechts een derde vrij verhandelbaar is. Daarmee zit de voormalige president op een papieren winst van honderden miljoenen, maar het is onwaarschijnlijk dat hij die snel kan verzilveren. Voor de resterende houders van de munt betekent dat vooral veel toekomstige verkoopdruk. Verder lijkt de opmars van stablecoins niet te stoppen. Wereldwijd is inmiddels ruim 300 miljard dollar aan dit soort digitale dollars in omloop. En het zijn allang niet meer alleen cryptobedrijven die zich op deze markt storten. ING werkt samen met Europese banken aan een eigen stablecoin, terwijl ook internetbedrijf Cloudflare plannen heeft. Buiten Europa bouwen de Verenigde Arabische Emiraten aan een nationale blockchain met een eigen Dirham-stablecoin. En zelfs Alipay, onderdeel van de Chinese Ant Group, komt met een gereguleerde euro stablecoin vanuit Luxemburg — een opmerkelijke stap, want de euro-variant loopt nog sterk achter op de dollartokens. De beweegredenen verschillen per partij. Cryptobedrijven hopen mee te liften op het winstgevende model van Tether, dat vorig jaar dertien miljard dollar verdiende aan rente-inkomsten. Financiële instellingen als ING en Cloudflare zien vooral kansen om wereldwijde betalingen sneller en goedkoper te maken. Voor landen als de Emiraten spelen geopolitieke en strategische motieven een rol. En dat een Chinese partij mogelijk een belangrijke rol krijgt in het Europese stablecoinverkeer, zal ongetwijfeld nog stof doen opwaaien. Deze week in de CryptocastEen gesprek met multi-asset-belegger Jeroen Blokland, die kiest voor kwaliteitsaandelen, goud en bitcoin in zijn fonds. Hij heeft een boek geschreven, de 'Grote Herbalancering', waarin hij zijn visie op de economie schetst en vervolgens tot de conclusie komt dat de traditionele 60/40 portefeuille niet meer van deze tijd is. Co-host is Peter Slagter. Met Daniël Mol bespreken we elke week de stand van de cryptomarkt. Luister live donderdagochtend rond 8:50 in De Ochtendspits, of wanneer je wilt via bnr.nl/podcast/cryptocastSee omnystudio.com/listener for privacy information.

In this Two and a Half Gamers special, Matej, Felix & Jakub talk with Chen Yang (Iwae) from Cocos about how mini-games on WeChat, Douyin, Alipay, and Huawei stores are reshaping the mobile industry.

In This Episode This week on Breaking Banks we're continuing our series on Brett King's new book, Branch Tomorrow. We feature interviews with some of Brett's contributing authors: Bruno Diniz, Efi Pylarinou, Jim Marous, Paolo Sironi, and Richard Turrin. Each author brings specialty in different markets giving Branch Tomorrow a multi-perspective look at banking, banking culture, changes in 'branching' and the future of financial services across the globe, from the US to India, China, and Latin America. In this episode, Brett speaks with Richard Turrin, an industry leader in fintech innovation and digital transformation, and Author of Cashless: China's Digital Currency. Brett and Richard delve into the robust digital financial services landscape in China which experienced significant digital disruption starting in the mid-2010s. You'll hear how bankers there are still reeling from the unprecedented scale of disruption brought on by MYbank, WeBank, WeChat and Alipay. Then, Brett connects with Paolo Sironi, Global Research Leader in Banking and Financial Markets at the IBM Institute for Business Value and host of Provoke.fm's Bankers Bookshelf podcast. Paolo shares insights from the Eurozone on branch transformation, highlighting how some European banks are embracing digitization by evolving their branches. He discusses how they are balancing digital and physical presence by adjusting their in-branch product offerings, with a focus on personalization, financial inclusion, and maintaining strong customer engagement. Tune in now for these insightful conversations! Branch Tomorrow, available mid-September, is an invaluable resource for bankers, regulators, fintech innovators, and future-focused leaders dedicated to thriving in the digital transformation of finance. The future of banking is here!

Gabriel Custodiet speaks with Richard Turrin, author of a book on China's rapid transformation to a cashless society. GUEST → https://richturrin.com/  → https://www.amazon.com/Cashless-Chinas-Digital-Currency-Revolution/dp/1949642720  → https://x.com/richardturrin  → https://substack.com/@richturrin  → https://www.linkedin.com/in/turrin/  WATCHMAN PRIVACY → https://watchmanprivacy.com  (Including privacy consulting) → https://twitter.com/watchmanprivacy  → https://escapethetechnocracy.com/    CRYPTO DONATIONS → https://watchmanprivacy.com/donate.html     TIMELINE 00:00 – Introduction 1:30 – Guest background 3:20 – China's rapid cashless transformation from 2010 – 2018 7:00 – Did China have a plan to create this cashlessness? 10:40 – What is the reality in 2025? 13:00 – What is WeChat like at the user level? 19:50 – Are Alipay and WeChat sandboxed? 21:25 – Scams on Alipay and WeChat 26:45 – How do foreigners use Chinese payment apps? 30:20 – How will China transition to a Central Bank Digital Currency (CBDC) 39:07 – Banks in China had to get on board 48:40 – Fees for Alipay and WeChat are essentially zero 50:50 – How often can Chinese use apps outside of China? 52:30 – Are Chinese allowed to use other payment methods? 55:05 – China data sovereignty 1:04:00 – Final thoughts Music by Karl Casey @ White Bat Audio

Robots humanoïdes, voitures autonomes, IA générative et même lunettes de paiement par clignement d'œil... La Chine dévoile ses ambitions technologiques à l'occasion de la World Artificial Intelligence Conference (WAIC) à Shanghai. La journaliste chinoise Shanhui Zhang (China Global Television Network) nous présente les innovations de la WAIC et analyse les ambitions chinoises en matière de technologie.Les sujet abordés dans cet épisode :Une industrie en pleine effervescence : avec plus de 800 exposants, la World Artificial Intelligence Conference de Shanghai a présenté un panorama spectaculaire de la tech chinoise, des géants comme Alibaba, Huawei ou Baidu jusqu'aux industriels traditionnels comme Baosteel, qui se lancent dans la robotique.Les robots humanoïdes dans la vie quotidienne : démonstrations de robots capables de jouer avec les enfants, de réaliser des tâches dans l'industrie lourde ou encore d'assurer des fonctions éducatives et sociales.Des lunettes pour payer dans les magasin : à Hangzhou, Alibaba a dévoilé les lunettes « AI Quark » qui permettent de payer d'un simple mouvement d'œil via Alipay.Des taxis autonomes à l'assaut des villes chinoises : Baidu propose des taxis autonomes sans chauffeur à Pékin et Wuhan, pour des trajets deux fois moins chers qu'un taxi classique. Shanhui Zhang les a testés.Un enjeu stratégique mondial : derrière les démonstrations technologiques, une véritable volonté politique. La Chine promeut une gouvernance internationale de l'IA, évoquant des mécanismes communs pour la protection des données, la sécurité et l'inclusion.Un appel à la coopération internationale : Pékin présente un plan d'action global pour encadrer le développement de l'IA, tout en soulignant le rôle central que la Chine souhaite jouer dans ce nouveau paradigme.-----------

Lex chats with Harish Natarajan - Practice Manager, Financial Inclusion and Infrastructure, Finance, Competitiveness & Innovation at the World Bank, and Carlos Brandt - The Senior Advisor for Pix at the Central Bank of Brazil. Together they discuss the remarkable success of Pix, Brazil's real-time payment system, which now sees over 6 billion transactions per month and is used by more than 90% of the adult population and 80% of companies. Lex explores how Pix was created by the Central Bank of Brazil with strong public-private collaboration, backed by regulatory authority and supported by a co-creation model with stakeholders. Key to its adoption were a low-cost centralized infrastructure, clear branding, mandatory participation by large banks, and a robust national communication strategy. Globally, Pix is seen as a leading example of fast payment system deployment, driven by the central bank acting as a neutral coordinator and scheme owner. Lex also examines the technical architecture, built in-house by a surprisingly small team of 55–65 people, and how scalable infrastructure and extensibility have enabled rapid growth and innovation. NOTABLE DISCUSSION POINTS: 1. Pix achieved mass adoption through public-private co-creation and legal mandate:Pix now processes over 6 billion transactions per month, with 90% of Brazil's adult population and 80% of businesses actively using it. Its success stems from a strategic legal mandate in 2013 granting the Central Bank regulatory and operational authority over retail payments. The Central Bank then led a co-creation process involving both public and private stakeholders through the Pix Forum, fostering alignment, inclusivity, and strong network effects.2. A lean but powerful team built a nation-scale real-time payments system:The Pix infrastructure was built entirely in-house by a relatively small team, 30-40 people for the technical infrastructure layer and around 25 for the payment scheme layer. It operates 24/7 with real-time settlement and uses centralized infrastructure separate from Brazil's traditional large-value payment rails. This centralized, purpose-built architecture dramatically lowered costs and enabled rapid rollout.3. Strategic communication and mandated participation drove adoption at scale:The Central Bank led a national communication campaign to build trust, establish a strong brand identity, and educate the public. Simultaneously, it mandated major banks (with over 500,000 active accounts) to join Pix, triggering widespread voluntary adoption from smaller PSPs. The rollout included a restricted pilot phase and emphasized user-friendly features like QR codes and aliases to boost convenience and usage from day one. TOPICS Pix, Central Bank of Brazil, World Bank, Visa, Citibank, M-Pesa, Alipay, SPI, fintech, payments, PSP, API, Fast Payments, Payments Infrastructure, PayTech ABOUT THE FINTECH BLUEPRINT 

Mobile wallets now power 73 % of APAC e-commerce checkouts, same-day shipping prices hit record lows, and Australia's Country Road Group faces a 93 % profit plunge. In this Five Things Friday episode, Alex (The Retail Podcast) joins Ryf Quail (Managing Director, NRF APAC) and Laura Doonin (Retail & Digital-Tech Advisor) to unpack:Mobile Wallet vs. Credit Card Shift – QR pay, A2A rails, WeChat Pay, Alipay, UPI, DuitNowSame-Day Delivery Economics – Shippit 2025 data, ship-from-store strategy, endless-aisle logisticsPost-Purchase Community – Need It For Tonight, Cutter & Squidge, WhatsApp touch-points, handwritten notesCountry Road Group Reset – Sales -14 %, profit -93 %, new CEO Steven Cook, legacy brand revivalEvent ROI Blueprint – Path-to-conference plan, vendor vetting, tender fast-tracking

Interesting news coming out of China's Ant International, a global digital payments and fin tech provider. They have launched a new AI play with Alipay+ GenAI Cockpit. This will be an AI-as-a-Service (AIaaS) platform. The strategy is to support fintech companies and nudge super apps to build AI driven financial services with the goal of better security, flexibility and seamless experiences. Making AI work for finance remains the key goal for fin tech companies. Alipay+ GenAI Cockpit is a platform to help entrepreneurs create effective AI-native financial services. These tools will combine automated workflows and task orchestration with a dynamic enterprise context. Key tasks include payment orchestration, customer onboarding, compliance checks, fraud detection, dispute resolution, and evaluation and performance optimisation. New AI Platform for Fintechs launched by Ant International Three-pronged AI strategy focuses on AI security, Vertical Fintech Expertise, and Full-stack AI platform support First fintech clients begin official integration in June 2025 in Southeast Asia and South Asia "The future of finance will be shaped by agentic AI that not only carry out tasks autonomously in real automated workflows and sophisticated financial business and compliance context with reliability, but also interact, evolve and learn rapidly in orchestration with ever-growing precision," said Jiangming Yang, Chief Innovation Officer of Ant International. Alipay+ GenAI Cockpit has been honed on Ant International's four key business units: wallet gateway service (Alipay+), merchant payment service (Antom), cross-border business account service (WorldFirst), and embedded finance service (global treasury management, digital lending and credit tech solutions). Upon successful completion of trial runs, the first external clients in Southeast Asia and South Asia will start officially deploying the Cockpit in June 2025. Three-Pronged AI Strategy: Security, Vertical Fintech Expertise, and Platform-level Support for Agentic FinAI Combining a fintech-specific toolbox and dynamic industry knowledge base alongside business-ready AI innovations, the Cockpit embodies three key directions of Ant International's AI strategy. Security Shield for Trusted AI AI scamming threats using deepfake and other technologies have been growing over 10 folds by the year, with grave implications especially in the financial sector. Statistics show 22% of businesses have encountered AI-generated payment fraud. Ant International invests heavily in AI security solutions to combat external AI scamming attacks and eliminate internal model security risks such as model hallucination or bias. Its AI SHIELD framework manages risks across system architecture designing, data processing, model training, and inferencing. It offers real-time dynamic risk assessment, including detecting adversarial prompts and sensitive data leakage through over 100 recognition models and 600,000 risk lexicons. Today, fraud loss rate in Ant International's merchant payment service is 5% of industry average. Deep Vertical Financial Expertise Alipay+ GenAI Cockpit leverages over 20 leading LLMs, including Ant International's own Falcon Time-Series Transformer FX Model. However, it has focused on integrating fintech knowledge bases, such as bank transfer rules and dispute resolution policies, to help businesses build specialized fintech agents. The Cockpit toolbox supports retrieval-augmented generation (RAG), post-training, evaluation, and benchmarking, taking the combination of general-purpose datasets with industry-specific benchmarks developed from Ant International's financial expertise to help improve model precision. Built on the Cockpit, Antom Copilot is the world's first AI agent designed to help merchants boost conversion by streamlining the process of payment method integration, recommending optimal payment channels, and resolving common tasks like code correction and the auto-completion of merc...

In this episode of Corporate Treasury 101, we discuss the intricacies of operating a treasury function in China, one of the most highly regulated and misunderstood markets in the world. Damian Glendinning, former Group Treasurer of Lenovo and founder of Complex Countries, helps us unpack the challenges of treasury management in China, from regulatory ambiguity to the unique roles of Alipay and WeChat Pay. We cover how foreign companies can navigate this distinct financial landscape, including legal workarounds like entrustment loans, limitations around cross-border flows, and the impact of China's evolving global strategy.Damian shares insights from decades of hands-on experience, having led treasury operations in China during his time at IBM and Lenovo. He offers a nuanced, practical perspective on how treasurers can operate effectively in a market where the rules are complex and constantly changing.What You'll Learn in This EpisodeHow China's banking sector transitioned from state-run distribution to commercial bankingWhy are regulations in China often interpreted and enforced in flexible waysHow companies navigate cash pooling with tools like entrustment loansThe rise of tech giants like Alipay and WeChat Pay in filling banking gapsWhat treasurers need to know about China's efforts to reduce reliance on USD and SWIFTEpisode Breakdown with Timestamps [00:00] – Introduction & AFP Certification Promo [01:50] – Why China Is a Focus for Corporate Treasurers [03:19] – Misconceptions About China's Culture and Structure [15:31] – Evolution of the Banking System: State to Commercial [20:56] – WeChat Pay, Alipay & Financial Innovation [28:02] – Foreign Companies and Banking Limitations [33:41] – Entrustment Loans & Cash Pooling Workarounds [46:02] – Cross-Border Lending and Capital Flows [49:58] – Renminbi, SWIFT, and De-Dollarization Strategies [56:26] – The Bigger Picture: Global Integration vs. IsolationFollow Damian Glendinning & Complex Countries: Website: https://www.complexcountries.com LinkedIn: https://www.linkedin.com/in/damian-glendinning-089b44b/ Follow Corporate Treasury 101:Website: https://corporate-treasury-101.com/ LinkedIn:https://www.linkedin.com/company/86645197/admin/dashboard/ Follow Hussam & Guillaume:Hussam on LinkedIn: https://www.linkedin.com/in/hussam-ali-6bb69186/ Guillaume on LinkedIn: https://www.linkedin.com/in/guillaume-jouvencel/ Gha Marketing Website: https://ghapodcast.com/ #CorporateTreasury #InterestRates #Derivatives #CrossCurrencySwaps #FXRisk #DebtStructuring #CapitalMarkets...

Unser Whatsapp-Kanal. https://bit.ly/oaws-whatsapp Ohne Aktien-Zugang ist's schwer? Starte jetzt bei unserem Partner Scalable Capital. Alle weiteren Infos gibt's hier: scalable.capital/oaws. Lieber als Newsletter? Geht auch. https://bit.ly/oaws-nl Das Buch zum Podcast? Jetzt lesen. https://amzn.to/48nDGbv SAP ist wertvollste Firma Europas. BYD macht mehr Umsatz als Tesla. Alipay setzt auf China-Chips. Sonst so: Bayer leidet unter Strafe, Beiersdorf leidet unter Nivea, 23andMe ist insolvent. Dafür sind Trumps Zölle wohl entspannter und Elliott mag RWE. Family Offices, ein mächtiger Aktionär und Steuervorteile. Das alles spricht für Singapore Exchange (WKN: 590379). Handys wie Apple. Autos wie Tesla. Das ist der Claim von Xiaomi (WKN: A2JNY1). Was ist mit der Aktie? Diesen Podcast vom 25.03.2025, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.

Des centres d'escroquerie en Asie du Sud-Est, notamment en Birmanie, au Cambodge et au Laos, exploitent des milliers de personnes pour mener des arnaques en ligne, générant des milliards de dollars. Après l'enlèvement d'un acteur chinois en Thaïlande, une coopération entre la Thaïlande, la Chine et la Birmanie vise à démanteler ces réseaux, qui utilisent les plateformes sociales pour piéger leurs victimes, notamment via des fraudes aux cryptomonnaies. Xu, l'un des rescapés, attiré sous un faux prétexte près de la frontière birmane puis emmené de force dans un centre d'escroquerie, raconte. Xu débute son récit en racontant qu'il a été attiré, avec trois autres personnes, à la frontière, sous un faux prétexte pour du travail. Mais une nuit, plus d'une douzaine de personnes en uniforme de camouflage, avec des couteaux à la taille, les ont forcés à escalader la montagne qui les séparait de la Birmanie. À ce moment-là, dit-il, il était trop tard pour partir, et c'est là qu'il a compris que quelque chose n'allait pas :« Pendant 48 heures, nous avons traversé de nombreux endroits en Birmanie, mais je ne me souviens plus de quels villages il s'agissait. À chaque poste de péage, il y avait des fonctionnaires birmans en service. Ils comprenaient et parlaient chinois. Ils étaient tous complices. Tant que vous leur donniez des yuans, ils vous laissaient passer. »À lire aussiEscroqueries en ligne: la Thaïlande intensifie ses actions contre les réseaux criminels frontaliersOrdinateur, plusieurs téléphones, outils de traduction « pour communiquer »...Une fois arrivé dans le centre, Xu explique qu'il travaillait sans arrêt tous les jours de 10h30 à 2h00 le lendemain, et que tout était étroitement contrôlé. « Chaque personne recevait un ordinateur et quatre téléphones Apple équipés de cartes SIM birmanes avec des numéros commençant par +95, tous d'occasion. Là, on créait des comptes Gmail, puis Facebook, Instagram. On gérait 20 comptes chacun », se souvient-il.Il poursuit : « Parfois, les clients voulaient discuter. Il était essentiel de créer un lien émotionnel. Au début, on utilisait l'anglais, mais si le client parlait une autre langue comme le thaï ou le malais, on se tournait vers des outils de traduction pour communiquer dans la langue du client. L'objectif ultime restait de guider le client dans son investissement. Il n'y avait pas de script fixe, juste quelques tactiques générales. »« Le lien menait à un faux site web d'imitation très réaliste »Xu reprend son récit : « Le centre s'étendait sur sept étages, chacun travaillant sur des projets de fraude différents, à chaque étage. Au total, il y avait 14 équipes et projets de fraude. L'équipe dont je faisais partie se concentrait sur la cryptomonnaie, en particulier l'USDT.Plus tard, j'ai appris que des personnes de nombreux pays pouvaient transférer leur monnaie locale sur la plateforme d'échange OKX, qui est reconnue internationalement, sauf en Chine continentale où elle n'est pas autorisée. Après avoir transféré de l'argent, elles pouvaient utiliser des dollars américains pour acheter des cryptomonnaies.Une fois que quelqu'un avait acheté de la cryptomonnaie, même pour une valeur de seulement 500$, il recevait un lien qui semblait être une plateforme de trading légitime, comme un site de bourse. Cependant, le lien menait à un faux site web d'imitation très réaliste. La première fois, l'équipe d'escrocs manipulait le backend pour s'assurer que la victime ''gagnait''. Tout était contrôlé par les chefs de l'équipe d'escrocs en coulisses, et la victime gagnait inévitablement au début pour gagner sa confiance. »À lire aussiAsie: la lutte s'intensifie contre les centres d'arnaques en ligneUne exploitation humaine jusqu'au bout Xu raconte que de nombreux Chinois étaient enfermés dans ces camps, et que le flot d'arrivées ne cessait jamais. Tous les jours, dit-il, on venait sélectionner certains individus : « Nous devions porter des menottes et ils nous donnaient deux repas par jour, juste des restes de nourriture dans des boîtes en papier. »La violence était omniprésente : « Ils frappaient ceux qui résistaient, car beaucoup de gardiens étaient des mercenaires armés de fusils et de matraques électriques. Toute résistance était vaine, et ceux qui essayaient mais qui échouaient étaient enchaînés.Si vous n'étiez pas choisi dans les 30 jours, ils vous emmenaient dehors dans un véhicule, à Myawaddy ou à la frontière thaïlandaise, pour se faire prélever les organes. Deux reins pouvaient se vendre 500 000 yuans (plus de 63 000 euros). Si vous étiez jugé ''qualifié'', ils vous exploitaient au maximum.Si vous n'étiez pas sélectionné, ils vous forçaient à déverrouiller votre téléphone en scannant votre visage. Ils chargeaient votre téléphone, le connectaient au Wi-Fi et utilisaient votre visage pour accéder à des applications chinoises telles que WeChat, Alipay et des cartes bancaires, pour transférer le plus d'argent possible. »Des méthodes d'intimidation à la punition physiqueCeux qui résistaient étaient sévèrement punis, raconte-t-il. « Le premier jour, les gardes ont tiré sur 11 personnes dans la cour. Quatre sont mortes sur le coup. Sept d'entre elles étaient encore en vie. Là, ils ont trouvé une autre victime qui prétendait être vétérinaire en Chine continentale et lui ont demandé de déterrer les balles sur leurs corps. Le processus était diffusé en direct sur Telegram.Ils nous montraient aussi des vidéos d'autres centres d'escroquerie pour nous montrer des gens se faire punir. Ils utilisaient de l'eau bouillante pour la verser sur les orteils de quelqu'un, puis pliaient les articulations en arrière, et tout était diffusé en direct via des comptes Telegram et WeChat.Ils utilisaient cela comme une forme d'intimidation, en particulier sur ceux qui venaient d'être vendus. C'était une façon de donner l'exemple, à la fois pour les personnes sur place et pour les autres qui participaient à différentes opérations frauduleuses et qui regardaient la diffusion en direct. C'est ce genre de choses qui fait que les gens craquent complètement après y avoir passé un certain temps. »La famille de Xu a réussi à négocier son retour en Chine, après avoir en tout payé, en plusieurs étapes. Une liberté recouvrée pour un montant de près d'un million de yuans, soit près de 130 000 euros.À lire aussiDes centaines de «cyberesclaves» libérés d'un centre d'escroquerie en Birmanie

If you work across time zones, borders, and cultures, this is the show for you. This is your host Leonardo, welcome to the international business podcast.   Today, we dive into the world of HR, exploring it from both a recruitment and company culture perspective. Automation and AI are ubiquitous in today's business landscape. What should job seekers be wary of? Companies are facing significant challenges in China, with layoffs continuing to occur. What is driving these changes? Furthermore, what are the most significant challenges and opportunities for HR professionals as businesses transition to digital operations? This and more will be discussed.   Use the promo code 8D1E2 to get 50% off your first month on Patreon. This offer is valid until February 28th. Join Leonardo on Patreon for:⁠⁠⁠⁠ Podcast Archive: 102 episodes (40+ hours). Podcast Bonus Episodes: New exclusive content. Early Access: Upcoming YouTube videos and newsletters. Thinking Process Journal: Insights into Leonardo's content preparation, including a curated reading list and personal reflections. Q&A: Submit questions for future episodes, and receive a shoutout when they are answered. Miriam Wickertsheim is a German national and holds a double degree in Asia Studies and Economics from Germany and Tsinghua University. She is General Manager at Direct HR, one of China's largest German speaking recruitment firms. She has spent a decade and a half living and working in China. She is a well-recognized senior leader in the HR Service industry and a frequent speaker at various prestigious organizations here in China. She speaks German, English and Chinese. She also wrote the book “Overcoming Superwoman Syndrome: a 10 step guide to inner peace and success”. You can purchase her book (Amazon) here. Ben Eden is an international bestselling author of "How We See Ourselves" and a sought-after leadership coach, speaker, and HR strategist. With over a decade of experience in organizational development, employee retention, and executive coaching, Ben has guided leaders across industries to overcome challenges, build high-performing teams, and achieve transformational success. As the creator of the Eden Model for personal and professional fulfillment, Ben empowers HR professionals to align their self-perception with their goals, unlocking their full potential as leaders. Known for delivering engaging presentations and actionable insights, Ben inspires audiences to cultivate impactful relationships, foster trust, and lead with authenticity. His work is grounded in a deep understanding of the evolving HR landscape and a passion for helping others succeed. You can purchase Ben's book (Amazon) here. Chloris Liu is an experienced International Executive Headhunter with over a decade of expertise. She recruits senior to executive-level positions in the general manufacturing and consumer technology sectors across East China for Michael Page, a UK-listed company. Her notable achievements include successfully placing over 30 senior positions (from manager to VP) for local and multinational companies such as Walmart, Alipay, Samsung, IKEA, and others, primarily in the APAC region.   Chloris has over six years of experience with a Singapore-listed recruitment agency, focusing on commercial function placements in the tech and industrial sectors. Her international experience spans five years in Guangzhou, four years in Europe and the US, and she currently resides in Shanghai. If you work across time zones, borders, and cultures, come on the show to share your story. ⁠Connect with the host Leonardo Marra

Despite their dominance in China's payments sector, the duo faces global challenges due to a lack of transparency Note: The conversation segment of this episode was generated using AI and has been edited for accuracy. It is based on the Caixin story: In Depth: China's Booming Cross-Border E-Commerce Pits Alipay, WeChat Pay Against the World Subscribe now to unlock all coverage from Caixin Global and The Wall Street Journal for just $200 a year, enjoying a 66% discount. Group discounts are available — contact us for a customized plan.

Episode Topic In this insightful episode, Kevin Rosenquist welcomes Rufei Qian, CEO of NihaoPay, a company revolutionizing cross-border payments by bridging the gap between global merchants and Chinese consumers. They explore critical topics like regulatory challenges in entering the Chinese market, adapting to cultural differences, and the evolving trends in consumer behavior. Rufei shares how Chinese consumers have shifted towards local brands and the widespread adoption of digital wallets, contrasting it with Western reliance on credit cards. The discussion highlights the transformative impact of technology on global transactions and the unique opportunities in cross-border commerce. Lessons You'll Learn Discover actionable strategies for navigating the complexities of China's regulatory landscape while delivering a seamless user experience. Rufei delves into how merchants can adapt to the distinct consumer habits in China, such as the mobile-first approach and preference for digital wallets like Alipay and WeChat Pay. Learn how innovation, a global-local strategy, and talent development drive success in the fintech space. Gain insights into the potential of blockchain in payments and how AI can complement, rather than disrupt, established industries. About Our Guest Rufei Qian is the visionary CEO of NihaoPay, a leader in cross-border payments that connects global merchants with Chinese consumers. With over a decade of expertise in fintech, Rufei has spearheaded innovative solutions that simplify transactions, ensuring regulatory compliance and cultural adaptability. Her leadership has driven NihaoPay's groundbreaking initiatives, including a new card issuing platform tailored for seamless global shopping. Rufei is a passionate advocate for using technology to enhance financial ecosystems and foster meaningful connections between diverse markets. Topics Covered This episode dives into how global merchants can navigate China's regulatory landscape, highlighting key challenges and strategies for compliance. Rufei sheds light on evolving consumer trends, including the rise of digital wallets and the shift toward local brands in Chinese markets. She also explores the transformative role of technological innovations, such as AI and blockchain, in shaping the future of payments. Additionally, Rufei discusses NihaoPay's latest initiative, a card issuing platform designed to simplify cross-border transactions for global consumers. The conversation concludes with insights into cultural and operational shifts, emphasizing the importance of innovation, localization, and talent development in driving growth

A new visa waiver policy has been released, allowing citizens from 9 additional countries to enter China with ease! Is your country on the list? Check it out and get ready to embark on an exciting adventure in China! / Alipay's Ant Forest has been a hit for rewarding sustainable actions, but some users are apparently finding shortcuts to earn rewards without doing the eco-friendly work. Why would they cheat (16:28)? On the show: Heyang, Niu Honglin & Fei Fei

Alipay+ continues to develop and grow it's payment solutions, and recently announced some new options for it's digital wallets. This work has focussed on the WorldFirst and Antom, fintech offerings. Strategically they have identified 11 million possible users and also SMEs in Asian market who could benefit from these improved services. Initially Southeast Asia and South Asia have been targeted for the first wave of potential users for these fintech products. Ant International aims to continue to grow by leveraging AI aided business solutions in these areas, as well as across the three prime businesses in their portfolio. Ant International expands WorldFirst and Antom Payment Ecosystems With a series of organisational and strategic upgrades in 2024, Ant International, a leading global digital payment and financial technology provider, reported robust growth over the past year among all its four pillar businesses, Alipay+, Antom, WorldFirst and Embedded Finance. Alipay+ expanded its vibrant wallet-based payment and digtalisation space that further strengthens WorldFirst and Antom, the two business fintech services. The new Embedded Finance segment deepens Ant International's ecosystem by offering a rich array of FX, treasury management, inclusive lending and other AI-powered fintech solutions to clients and partners across the other three main businesses. "2024 has been a transformative year for Ant International," said Peng Yang, Chief Executive Officer of Ant International. "We are committed to advance inclusive growth through AI-powered innovation and collaboration on cross-border travel, trade, commerce and inclusive finance." Based in Singapore, Ant International provides partners across industries and markets a comprehensive range of digital payment and financial technology solutions. It is committed to driving inclusive growth through open collaboration and continuous innovation. Among Ant International's notable progresses in 2024 so far: Alipay+: Ant International's cross-border mobile payment and digitalisation technology solutions. Alipay+ leads the industry in collaboration with 35 leading mobile payment partners, including e-wallets, banking apps and BNPL apps, etc., connecting over 90 million merchants in 66 markets to 1.6 billion user accounts. It has also formed strategic partnerships with national standardised QR schemes, such as Singapore's SGQR, Malaysia's PayNet, South Korea's ZeroPay, Cambodia's KHQR, Nepal's NepalPay QR and Sri Lanka's LankaPay. Among the global merchants accepting QR code payments via Alipay+, over 90% are SMEs, reflecting Ant International's focus on inclusive digital transformation. Cross-border transactions of global payment partners together (excluding Alipay) via Alipay+ registered three times year-on-year increase in 2024, where Alipay maintains the leadership. Alipay+ builds a broader digital payment and digitalisation ecosystem for other pillar businesses of Ant International. Antom: a leading merchant payment and digitisation services provider, offering one-stop, vertical-specific digital payment solutions to merchants of all sizes. Total payment volume (TPV) of Antom's direct acquiring services nearly doubled between January and November 2024 over same period of 2023. Antom continues to strengthen its payment processing capabilities across all payment channels. Antom's card processing volume grew over 10 times from that of previous year, while delivering top notch authorization rates to its global enterprise merchants. Antom continues to launch tech-driven innovative solutions to provide more secure and efficient services at lower cost to its customers. Antom Copilot helped enhance operational efficiency for merchants by reducing the payment channel integration time from 5 to 10 days to only a few minutes. Antom EasySafePay streamlined digital wallet payments procedures, eliminating the need to redirect from merchant checkout page to the user's wallet app, and offers full acco...

China im Fokus bei echtgeld.TV – Wirtschaft, Aktien und Megatrends! In unserer ersten Folge von „Let's Talk“ begrüßt Tobias Kramer Frank Sieren – einen der führenden deutschen China-Experten. Gemeinsam sprechen sie über die chinesische Wirtschaft und die Chancen und Risiken chinesischer Aktien. Frank Sieren, selbst seit über 30 Jahren in China ansässig, gibt dabei exklusive Einblicke in die chinesische Technologie und Gesellschaft – von den rasanten Innovationen im E-Commerce bis hin zur Rolle Chinas in der Elektromobilität und Automatisierung. Was steckt hinter der Dynamik von Unternehmen wie Alibaba, Baidu und Tencent?

Nos visita de nuevo Ricardo Miranda, nuestro amigo, especialista tech y creador de Miravision, para hablar sobre su fascinante viaje a China.  Exploramos cómo funciona la tecnología en ese país, desde el impacto de las super apps como Alipay y WeChat, hasta su doble cara: funcionalidad impresionante vs control gubernamental.  Además, compartimos formas increíbles de usar ChatGPT para facilitar tu experiencia cuando viajas a un país distinto. Desde recomendaciones hasta traducciones, ¡Un must para techies y viajeros curiosos!

Chinese consumers have exhibited robust purchasing power for high-quality and intelligent products containing innovative technologies during the Singles Day shopping extravaganza.在“双十一”购物狂欢节期间，中国消费者对包含创新技术的高品质和智能产品表现出强劲购买力。Experts said this has played a vital role in promoting the recovery of consumption and shoring up economic growth in the country.专家表示，这对促进国内消费复苏和支撑经济增长起到了重要作用。Major Chinese e-commerce platforms have extended the promotional period, and adopted a simple and more pragmatic approach by canceling presale campaigns this year.中国的主要电商平台都延长了促销期，并采取简单务实的做法，取消了今年的预售活动。Instead, direct price cuts have become the preferred strategy to attract price-conscious customers and bolster sales during China's biggest online shopping event. 直接降价反而成为吸引价格敏感型顾客的首选策略，在中国最大的网购活动期间助力促售。Experts also said that unlike in the past, when record-smashing gross merchandise volume, or GMV, through discount-led sales had come to characterize the 11-11 or Double Eleven promotional campaign, chasing high GMV is no longer the focus now.专家们还表示，以往通过折扣带动销售来创造破纪录的商品交易总额（GMV）是双十一促销活动的特点，而现在，追求高GMV已不再是重点。Chinese shoppers are becoming more rational and carefully reviewing their needs, with an emphasis on the quality and value of commodities, they added.专家补充，中国购物者变得更加理性，他们会仔细思考自己的需求，注重商品的质量和价值。Data from Tmall, Chinese tech heavyweight Alibaba Group's business-to-customer platform, showed that in the first four hours after the shopping carnival officially kicked off at 8 pm on Oct 21, 174 brands saw their sales surpass 100 million yuan ($14 million).中国科技巨头阿里巴巴集团旗下B2C平台天猫的数据显示，在“双十一”于10月21日晚8点正式拉开帷幕后的四个小时内，有174个品牌的销售额超过了1亿元人民币（约1400万美元）。During this period, the turnover of more than 12,000 brands surged over 100 percent year-on-year and the sales of nearly 6,000 brands skyrocketed more than 500 percent compared with the same period last year.在此期间，12000多个品牌的营业额同比增长超过100%，近6000个品牌的销售额同比增长超过500%。The transaction volume of Apple Inc's products on Tmall exceeded 1 billion yuan within five minutes, while sales of domestic smartphone brands such as Huawei, Xiaomi and Vivo all surpassed 100 million yuan in the first four hours of the promotional event, according to Tmall.天猫数据显示，苹果公司产品在天猫上的交易额5分钟内就突破10亿元，而华为、小米、vivo等国产智能手机品牌在促销活动的前4个小时内销售额均突破1亿元。Consumers preferred to snap up bargains via livestreaming on e-commerce platforms, with sales from some top-tier livestreamers on Taobao Live, Alibaba's livestreaming arm, surpassing 100 million yuan within a short period.消费者更喜欢通过电商平台上的直播抢购特价商品，阿里巴巴旗下直播平台淘宝直播上一些头部主播直播间的销售额在短时间内就突破了1亿元。JD, another major Chinese e-commerce player, has launched a subsidy campaign worth 10 billion yuan, and given discounts for commodities included in the consumer goods trade-in program, such as home appliances and computers. It has also stepped up efforts to upgrade supply chains and logistics services.中国另一家大型电商平台京东推出了价值100亿元的补贴活动，并为家电、电脑等以旧换新计划中的商品提供折扣。京东还加大力度升级供应链和物流服务。JD said it recorded a double-digit year-on-year growth in transaction volume, orders, and user numbers between 8 pm on Oct 14, when its promotional gala opened, and 9 pm on Oct 31.京东称，从10月14日晚8点促销活动开始至10月31日晚9点，其交易量、订单数和用户数量均实现了两位数的同比增长。More than 16,000 brands saw their sales surge over threefold year-on-year, while the number of brands exceeding 100 million yuan in turnover increased over 400 percent compared with the same period last year. More than 17,000 merchants witnessed their order volumes soar over five times from a year earlier.16000多个品牌的销售额同比增长超过3倍，营业额超过1亿元的品牌数量同比增长超过400%。17000多家商户的订单量比去年同期激增5倍多。New users who bought apparel and cosmetics via JD's online marketplaces skyrocketed over 140 percent year-on-year, while JD's livestreaming channel saw a 245 percent year-on-year increase in order volumes.通过京东网上商城购买服装和化妆品的新用户同比激增超过140%，而京东直播频道的订单量同比增长245%。Consumer electronic devices witnessed robust growth during the shopping extravaganza.电子设备消费在购物节期间实现了强劲增长。The transaction volume of gaming laptops rose 120 percent year-on-year during the shopping spree, and AI smartphones and 4K projectors experienced 100 percent growth in turnover, while the sales of AI learning devices and 3D printers surged over 10 times from the same period last year, JD said.京东表示，“双十一”期间，游戏笔记本电脑的成交量同比增长120%，AI智能手机和4K投影仪的成交量增长100%，AI学习设备和3D打印机的销售量比去年同期激增10倍以上。Furthermore, a series of products that represent scientific and technological innovations achieved by Chinese enterprises have been made available on e-commerce platform Taobao. These products cover fields such as information technology, artificial intelligence, aerospace, new energy and quantum technology. 此外，代表中国企业科技创新成果的一系列产品已在电商平台淘宝上进行销售。这些产品涵盖信息技术、人工智能、航空航天、新能源和量子技术等领域。For example, consumers can directly purchase the country's independently developed AS700 civil manned airship and enjoy discounts. The airship can be used for sightseeing, emergency rescue and geophysical exploration of the skies, among other things.例如，消费者可以直接购买中国自主研发的AS700民用载人飞艇，并享受折扣优惠。该飞艇可用于观光旅游、紧急救援和天空地球物理勘探等。The Double Eleven festival was just a 24-hour event on Nov 11 when it was unveiled by Alibaba in 2009, but has stretched into a weekslong shopping spree lasting from mid-October to mid-November this year. Online retailers initiated the promotional event one week earlier this year than previously.阿里巴巴在2009年推出“双十一”活动时，该购物节还只是一个在11月11日举行的24小时活动，但今年的“双十一”已发展成从10月中旬持续到11月中旬的长达数周的购物狂欢节。与以往相比，今年的促销活动提前了一周。"Consumption has become the main driving force boosting China's economic growth, and the Singles Day shopping carnival is pivotal to unleashing consumers' purchasing potential, bolstering domestic demand and promoting consumption recovery," said Wang Yun, a researcher at the Chinese Academy of Macroeconomic Research.中国宏观经济研究院研究员王蕴表示：“消费已成为拉动中国经济增长的主要动力，‘双十一'购物狂欢节对于释放消费者购买潜力、拉动内需、促进消费复苏具有举足轻重的作用。”More stimulus policies are needed to stabilize and expand employment, improve household incomes, and boost people's ability and willingness to spend, so as to further perk up consumption, Wang added.王蕴补充，需要更多的刺激政策来稳定和扩大就业，提高家庭收入，增强人们的消费能力和意愿，从而进一步刺激消费。China's retail sales, a significant indicator of consumption strength, rose 3.3 percent year-on-year in the first three quarters of this year, said the National Bureau of Statistics. Online sales remained a bright spot, rising 8.6 percent year-on-year during the January-September period. 国家统计局数据显示，作为衡量消费实力的重要指标，今年前三季度，中国社会消费品零售总额同比增长3.3%，线上消费仍是一大亮点，网上零售额1-9月同比增长8.6%。Based on a survey by global consulting firm AlixPartners in early October, consumers still view Singles Day as the most important shopping festival. Most consumers are likely to maintain their spending levels from the previous year, with 25 percent of interviewed shoppers saying that there would be an increase in their overall spending, the consultancy said.根据全球咨询公司艾睿铂10月初的一项调查，消费者仍将“双十一”视为最重要的购物节。咨询公司称，大多数消费者可能会保持去年的消费水平，25%的受访购物者表示他们的总体消费会有所增加。Most of the increased spending based on the survey would be in apparel, daily necessities and cosmetics. Consumers are likely to remain sensible in their spending given the current economic backdrop, it added.根据调查，大部分增加的支出将用于服装、日用品和化妆品。该调查补充，在当前的经济背景下，消费者可能会保持理性消费。Online retailers have made promotional methods simpler this time, with a key focus on improving user experience and seeking high-quality and long-term growth, as Chinese consumers are more prudent and rational about potential purchases, said Jason Yu, managing director and vice-executive president of CTR Media Convergence Institute.央视市场研究（CTR）总经理、CTR媒体融合研究院执行副院长虞坚认为，随着中国消费者对潜在购买行为更加谨慎和理性，网络零售商此次将促销方式变得更加简单，重点放在提升用户体验、寻求高质量和长期增长上。Yu said retailers hope to roll out new products to attract consumers and build brand image during the shopping spree.虞坚表示，网络零售商希望在购物热潮中推出新产品来吸引消费者，并树立品牌形象。High-quality and intelligent commodities are crucial for stimulating the purchasing appetite of consumers and unleashing new consumption potential, he said.他说，高品质、智能化的商品对于刺激消费者的购买欲、释放新的消费潜力至关重要。"A series of pro-consumption policies, such as the consumer goods trade-in program, have played a significant role in bolstering the sales of consumer electronic products and household appliances on major online marketplaces," Yu added. 虞坚补充：“消费品以旧换新等一系列有利于消费的政策，对促进电子消费品和家用电器在主要线上市场的销售发挥了重要作用。”Meanwhile, Taobao and Tmall have officially integrated JD's logistics during this year's shopping carnival as sellers on these platforms can choose JD Logistics as the delivery method. JD has accepted the mobile payment option from Alipay, which is operated by financial technology company Ant Group.与此同时，淘宝和天猫在今年“双十一”期间正式整合了京东物流，这些平台上的卖家可以选择京东物流作为配送方式。京东已接入由金融科技公司蚂蚁集团运营的支付宝提供的移动支付方式。Industry insiders said these moves signify a key step in breaking down barriers between the two leading internet companies, enhancing interconnectivity of different platforms, and elevating the online shopping experience of users.业内人士表示，这些举措标志着两家先进互联网公司在打破壁垒、加强不同平台互联互通、提升用户在线购物体验方面迈出了关键一步。Mo Daiqing, a senior analyst at the Internet Economy Institute, a domestic consultancy, said major e-commerce platforms have ramped up efforts to offer steep discounts and shopping subsidies as well as simplify promotion methods during the prolonged shopping carnival to rev up sales.网经社电子商务研究中心高级分析师莫岱青表示，各大电商平台已加大力度，在持续很久的购物狂欢节期间提供大幅折扣和购物补贴，并简化促销方式，以刺激销售。"The policy measures to encourage trade-ins of consumer goods have not only stimulated consumers' desire to purchase, but also bolstered the sales and upgrades of household appliances, and propelled the popularity of green and energy-saving products," Mo said.“消费品以旧换新的政策措施不仅刺激了消费者的购买欲望，还促进了家电产品的销售和升级换代，推动了绿色节能产品的普及。”莫岱青说。She noted that Chinese consumers have become more value-conscious and are paying more attention to the quality and cost-effectiveness of commodities. Mo also emphasized that online retailers should launch new products and upgrade supply chains to attract a new breed of young shoppers.她指出，中国消费者变得更加注重价值，更加关注商品的质量和成本效益。莫岱青还强调，线上零售商应推出新产品并升级供应链，以吸引新一代年轻购物者。It is noteworthy that generative artificial intelligence technology has witnessed a ramp-up in China's retail industry during this year's 11-11 promotion.值得注意的是，在今年的“双十一”促销活动中，生成式人工智能技术在中国零售业迎来了爆发期。According to a report from consultancy Bain & Company, Chinese retail players are investing in generative AI to boost sales and Singles Day could be the perfect opportunity.根据贝恩咨询公司的一份报告，中国零售商正在投资发展生成式人工智能技术，以期拉动销售额，今年的“双十一”成为生成式AI大显身手的好机会。The report said 52 percent of the surveyed merchants have used at least one generative AI-enabled tool. More than half of them have used generative AI-powered customer service chatbot tools, while about one in three have used AI to generate content. The survey interviewed over 500 merchants trading on China's major e-commerce platforms.报告称，52%的商家使用过至少一种生成式AI工具，其中超过50%的商家使用过AI智能客服机器人，还有约1/3的商家利用AI生成内容。这项调查访问了中国主要电子商务平台上的500多家商户。It stated that the era of high double-digit increases in the GMV during the Singles Day shopping spree has come to an end, forcing retailers to focus more on sustainable growth, profitability and customer loyalty, rather than a win-at-all-costs obsession with the top line amid current economic headwinds.该报告指出，“双十一”期间GMV以两位数高速增长的时代已经结束，这迫使零售商更加关注可持续增长、盈利能力和客户忠诚度，而不是在当前的经济逆风中一味追求最高利润。Kelly Liu, partner at Bain & Company's Greater China retail and performance improvement practices, said AI's increasing prominence across Chinese retail sector offers a timely boost to a maturing industry that is facing challenges such as slower retail sales growth.贝恩公司全球合伙人、大中华区零售和绩效提升业务领导团队成员刘洋表示，人工智能在中国零售业的影响力和作用与日俱增，这为面临零售销售增长放缓等挑战的成熟行业提供了及时的推动力。Generative AI gives Chinese retailers access to a powerful tool for increasing sales and lowering cost, Liu said.刘洋认为，生成式人工智能为中国零售商提供了促进降本增效的强大工具。"It is vital that Chinese retailers deepen their customer engagement. AI tools can energize customer retention efforts, enabling e-commerce players to hyper-personalize their engagement with consumers and create bespoke shopping experiences for them," said James Yang, head of Bain & Company's Greater China retail practice.贝恩公司大中华区零售业务主席杨大坤表示，“中国零售商必须加强与顾客的互动。AI工具可以优化顾客挽留措施，帮助电商平台打造高度个性化的顾客互动方式，为顾客带来量身定制的购物体验。”Chinese retailers need to transition faster from AI experimentation to deployment at scale. The retailers that master generative AI in three key areas — deepening customer engagement, turbo-charging productivity and cost savings, and finding new growth beyond trade — could build a lasting strategic advantage, according to the report.中国零售商需要加快从AI实验过渡到大规模部署的步伐。报告指出，零售商如果能掌握生成式AI技术，并利用其成功强化顾客经营、推动降本增效、找到新增长点，就能建立长久的战略优势。Singles Day shopping extravaganza“双十一”购物狂欢节price-conscious customers价格敏感型顾客appareln. 服装gross merchandise volume商品交易总额

This Day in Legal History: Volstead Act SignedOn October 28, 1919, the United States Congress passed the Volstead Act, formally known as the National Prohibition Act, over President Woodrow Wilson's veto. Named after Congressman Andrew Volstead, who championed it, the Act provided the legal framework to enforce the 18th Amendment, which had been ratified earlier that year. This amendment prohibited the manufacture, sale, and transportation of intoxicating liquors, marking the start of the Prohibition era in the United States.The Volstead Act defined "intoxicating liquor" as any beverage containing more than 0.5% alcohol, which was stricter than many Americans had anticipated. Though the Act aimed to curb alcoholism and reduce crime by eliminating the consumption of alcohol, it had some unintended consequences. A significant black market for alcohol quickly emerged, and illegal establishments known as "speakeasies" flourished in cities nationwide. Organized crime syndicates, most notably those led by figures like Al Capone, capitalized on the demand for alcohol, leading to a rise in criminal enterprises.Law enforcement agencies found it challenging to control the widespread defiance of Prohibition, and corruption among officials became rampant as many officers accepted bribes to look the other way. Public sentiment gradually turned against Prohibition as the social costs, including loss of tax revenue and an overwhelmed criminal justice system, began to outweigh the intended benefits. By 1933, the 21st Amendment was ratified, effectively repealing the 18th Amendment and ending Prohibition. The Volstead Act remains a critical historical example of how complex societal problems cannot always be resolved through restrictive legislation alone, highlighting the challenges of enforcing morality laws on a resistant population.A federal jury in Delaware awarded Apple $250 in damages, ruling that Masimo Corp.'s original smartwatch designs infringed on Apple's patents for the Apple Watch. The verdict reflects a limited win for Apple, as the jury found that only Masimo's discontinued designs—not its current products—infringed Apple's design patents. Apple's minimal damages request was a strategic move to secure a jury trial rather than a bench trial, emphasizing its desire to stop Masimo's alleged copying of Apple Watch features, not to seek financial compensation. Apple's legal team highlighted its innovation in smartwatch design, while Masimo's attorneys argued that Masimo's products were built around its pulse-oximetry technology, unrelated to the design patents at issue.Masimo countered Apple's claims by defending the novelty of its blood-oxygen measurement features and asserting that its designs prioritize functionality over aesthetics, unlike Apple's approach. Masimo attempted to avoid a jury trial by offering Apple a $900 cash payment, which Apple rejected, and the court ruled the case must proceed. The jury ultimately found that Masimo intentionally infringed two Apple design patents related to earlier product models but ruled out any infringement related to Masimo's current items, undermining Apple's case for an injunction.Apple Wins $250, But Little Else, at Trial on Watch Patents (2)Alibaba Group has agreed to pay $433.5 million to settle a securities fraud class action filed by investors in Manhattan federal court. The lawsuit, which began in 2020, accused Alibaba of misleading shareholders about its competitive practices and the failed initial public offering (IPO) of Ant Group, its financial technology affiliate known for the digital payment platform Alipay. Shareholders claimed Alibaba misrepresented its business practices and failed to disclose that it faced a significant $2.8 billion antitrust fine from Chinese regulators for allegedly pressuring merchants to sell exclusively on its platform.Though Judge George B. Daniels previously dismissed the claims related to the Ant IPO, he allowed the antitrust allegations to proceed. The $433.5 million settlement ranks among the largest 50 securities class-action settlements in U.S. history under the Private Securities Litigation Reform Act of 1995. Alibaba maintains its denial of wrongdoing, stating it settled to avoid the costs and burdens of prolonged litigation. The settlement requires court approval, with Glancy Prongay & Murray LLP representing the shareholders and Simpson Thacher & Bartlett LLP defending Alibaba.Alibaba to Pay $433 Million to Settle Antitrust Investor SuitAlibaba to pay $433.5 million to settle shareholder lawsuit over monopoly claims | ReutersAs the U.S. presidential election nears, Republicans aligned with Donald Trump have faced multiple legal setbacks in battleground states, hindering their push for tighter election restrictions. Over the past three weeks, courts in Georgia, Virginia, Arizona, Nevada, North Carolina, and Michigan have blocked Republican-backed initiatives, such as attempts to purge voter rolls and mandate hand-counting ballots. Notably, a Georgia judge invalidated seven rule changes proposed by Trump's allies, ruling them unlawful and too close to Election Day to implement. Virginia also halted the removal of allegedly non-citizen voters, with the judge citing federal laws against voter roll purges within 90 days of an election.In contrast, Republicans recently succeeded in enforcing stricter mail-in ballot deadlines in Mississippi. Despite setbacks, the party maintains its legal strategy aims to ensure election integrity, though experts suggest these efforts might instead be designed to spread doubts about the election's legitimacy. Analysts speculate that if Trump loses, these legal actions could fuel claims of fraud, casting doubt on the outcome.Republican battleground-state legal blitz falters ahead of election | ReutersA divided 5th U.S. Circuit Court of Appeals ruled that the National Labor Relations Board (NLRB) overreached by ordering Tesla CEO Elon Musk to delete a 2018 tweet about unionization. The tweet implied Tesla employees could lose stock options if they unionized, which the NLRB previously determined was an unlawful threat. However, the court's 9-8 decision held that Musk's tweet was protected under the First Amendment, as it was “speech on a topic of public concern,” making the NLRB's deletion order excessive.The majority opinion, supported by Republican-appointed judges, did not address whether Musk's tweet itself violated labor law, focusing instead on free speech rights. The ruling also instructed the NLRB to reconsider its mandate that Tesla reinstate a pro-union employee who was terminated. In a dissent, Judge James Dennis, joined by Democratic-appointed judges, criticized the decision as lacking substantial legal and factual grounding.Tesla Wins Challenge to NLRB Decision on Musk Union Tweet (1) This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

In today's episode of STR Daily, we explore two major advancements reshaping the travel landscape. First, we dive into the growing impact of mobile payments, from Alipay+ to the rise of cashless transactions, and how they are driving seamless experiences for travelers across the globe. Next, we take a look at how mapping technology is evolving, with platforms like Google Maps and new innovations in travel planning offering more personalized, integrated services for modern-day explorers. Tune in for insights on the technologies shaping the future of travel! Are you new and want to start your own hospitality business? Join our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Boostly and join the discussion: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Want to know more about us? Visit our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Stay informed and ahead of the curve with the latest insights and analysis.

CBDC WATCH - @Rogerh1991 #487 What countries have piloted a CBDC and what has been the result? $ BTC Block Height. Today's guest on the show is @Rogerh1991 who joins me to explain what is happening around the world with Central Bank Digital Currencies. Why did @Rogerh1991 write the book ‘Would Mao Hold Bitcoin' and what response did he get? When did @Rogerh1991 start looking into CBDC's and why is he so committed to raising awareness and education about this subject? Should we be skeptical of companies such as Alipay and why were they such a big sponsor of the Euros 2024 Football tournament? A huge thank you to Roger for all of his hard work on this subject. Learn about rogers book here: https://store.bitcoinmagazine.com/collections/books/products/would-mao-hold-bitcoin Follow Roger on Forbes here: https://www.forbes.com/sites/rogerhuang/ ALL LINKS HERE - FOR DISCOUNTS AND OFFERS -  https://vida.page/princey - https://linktr.ee/princey21m Pleb Service Announcements. @orangepillapp That's it, that's the announcement. https://signup.theorangepillapp.com/opa/princey Thank you: @swan @relai_app @BitBoxSwiss @ZapriteApp @mempool @OnrampBitcoin for your trust and support.  Support the pods via @fountain_app  -https://fountain.fm/show/2oJTnUm5VKs3xmSVdf5n  Shills and Mench's: ONRAMP - https://onrampbitcoin.com/?grsf=bitten - Bitcoin Financial and inheritance Services built on Multi-Institutional Custody.  Save $250 using code BITTEN Listen to the Onramp Podcast here - https://fountain.fm/show/fnaiifAYNlixGUPfBwXH  ZAPRITE - https://zaprite.com/bitten - Invoicing and accounting for Bitcoiners - Save $40  ORANGE PILL APP - https://signup.theorangepillapp.com/opa/princey - find your plebs, meet-ups and conferences. SWAN BITCOIN -  www.swan.com/bitten  RELAI - www.relai.me/Bitten Use Code BITTEN BITBOX - https://bitbox.shop/?ref=BITTEN Use Code BITTEN HODL HODL - https://hodlhodl.com/join/BITTEN  WASABI WALLET - https://www.wasabiwallet.io/ MEMPOOL - https://mempool.space/ + https://mempool.space/sponsor BITCOIN ADVISOR - https://content.thebitcoinadviser.com/bitten KONSENSUS NETWORK - Buy bitcoin books in different languages.  Use code BITTEN for 10% discount - https://bitcoinbook.shop?ref=bitten  SEEDOR STEEL PLATE BACK-UP - @seedor_io use the code BITTEN for a 5% discount. www.seedor.io/BITTEN STACKING SAT http://stackinsat.com/signup/?r=Bitten SATSBACK - Shop online and earn back sats! https://satsback.com/register/5AxjyPRZV8PNJGlM  HEATBIT - Home Bitcoin mining - https://www.heatbit.com/?ref=DANIELPRINCE - Use code BITTEN. CRYPTOTAG STEEL PLATE BACK-UP https://cryptotag.io -  USE CODE BITTEN for 10% discount.

pro-cannabis rally, teen gang arrest, murder cover-up, durian scam sentence, Alipay tourism boost, and torrential rains. --- Send in a voice message: https://podcasters.spotify.com/pod/show/thaigerpodcast/message

On the 54th episode of Business English Power, ALsensei goes over the following business news article:"China's Ant Group doubles down on global expansion with cross-border payments offering Alipay+"Have you heard about Alipay, the digital payment wallet from Alibaba? If not, it may be coming to your country soon as Alipay+! Check out this episode to keep up to date on all the latest news.Link to article: "China's Ant Group doubles down on global expansion with cross-border payments offering Alipay+"Here are useful vocabulary from the article:to double downofferingfintechglobal presencee-walletglobal arminroadsmerchantto pull the plugto restructureconcurrentlygeopoliticalinteroperabilityPlease subscribe to Business English Power in Apple Podcasts, iTunes, Spotify, and everywhere you listen to podcasts.If you have any questions and/or suggestions for the show please e-mail me directly at:AL at BUSINESSENGLISHPOWER dot COMOn Business English Power, I help you express yourself more naturally and smoothly. We talk about how to make your Business English sound more natural, attain a Global Mindset, and apply powerful Success Principles.Level up your LearningLevel up your Life