Not playing catch up

Ants, big data and P2P are just some of the terms that come up when reading about Chinese fintech. Amid all this buzz it can be difficult to distinguish what is in fact working. Technology is playing an ever larger role in China’s financial sector – a sector known for its restlessness – and recognizing certain themes is essential to foreign firms in order to understand both potential competitors and clients. Within this Strategic Outlook, we examine the factors behind some of the most significant fintech successes and flops, major trends in investor interaction and broad implications for the market. In short, what could make some endeavors more viable than others.

A distinct lead in mobile payments and online distribution is already apparent, hinting that Chinese financial institutions are no longer content to play catch up with developed market counterparts. The next few years could see a divergence in practice emerge between Chinese and other firms, with the latter potentially having a few lessons to learn.

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