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1、CASESTUDYSocialNetworks,e-CommercePlatforms,APRIL2017andtheGrowthofDigitalPaymentEcosystemsinChina:WhatItMeansforOtherCountriesCHINAAuthors:ZennonKapron&MichelleMeertensTheinformationandopinionspresentedinthispublicationareentirelythoseoftheauthors,andhaven
2、oendorsementbytheChineseGovernment.1CHINACaseStudyTherapidgrowthofsocialnetworksande-commerceplatformshastransformedthewaypeoplecommunicateandtransactaroundtheworld.Integratingdigitalpaymentsintothesegrowingnetworksandplatformshaspresentedvastopportunitiest
3、odriveeconomicopportunity,financialinclusion,transparency,security,andgrowth.Inpracticallyallcountriesindividuals,businesses,andpolicymakersarerecognizingtheseopportunitiesandactingonthem,butperhapsnowheremoresothaninChina.ThisreportexaminestwoofChina’smost
4、far-reachingapplications–WeChatandAlipay–andexplorestheirroleinthedevelopmentofoneoftheworld’slargestandmostsophisticateddigitalpaymentsecosystems.Thereportillustrateshowincorporatingdigitalpaymentsintoexistingserviceshasunlockedeconomicopportunitiesforhund
5、redsofmillionsofusers,includingthroughlow-risksavingsaccounts,newcreditassessmentandlendingservices,andbyopeningupnewmarketsformicro,small,andmediumenterprises.AsChina’seconomyisunique,thisreporthasalsoidentifiedkeyfactorsinthesuccessfulintegrationofdigital
6、paymentsintosocialnetworksandpaymentplatforms.Inthisway,thereportaimstoprovidelessonsthatcanbeassessed,andwhererelevant,appliedinothermarketsbeyondChina.Associalnetworksande-commercecontinuetogrowandoffernewopportunitiesaswellasrisks,thereportaddstoabodyofk
7、nowledgeabouthowdigitalpaymentscanimprovelivesandstrengtheneconomiesinallpartsoftheworld.1TABLEOFCONTENTS1.EXECUTIVESUMMARY/42.INTRODUCTION/143.COUNTRYCONTEXT/184.GOINGDIGITAL/225.THERISEOFDIGITALPAYMENTSECOSYSTEMS/2726.THEBUSINESSOFDIGITALPAYMENTECOSYSTEMS
8、/427.KEYLESSONSFROMCHINA/548.CONCLUSION/60ANNEXMETHODOLOGY/62KEYDATES/62TERMSANDDEFINITIONS/63FUNCTIONALCOMPARISON/64ENDNOTES/653Asgovernmentsandbusinessesworldwidelooktoboostfinancialinclusionandgrowt
