阿里投资者日-蚂蚁金服-全球领先的科技金融公司

1、September 23-24, 2019 Hangzhou, ChinaAliExpress - A Global Buy & Global Sell PlatformAnt Financial - A Global Leading TechFin CompanyEric JING, Chairman and CEO of Ant FinancialOur Business - Three Growth PillarsDigital Payment & Digital FinanceGlobalizationTechnologyService1Fast Growing Global User

2、 Base900 millionIn China1.2 billionGloballyAlipay AAU1Alipay & Local Wallets AAU2Notes:Annual active users of Alipay in China, as of June 30, 2019Global AAU include annual active users of Alipay in China, and overseas annual active payment users served by Ant Financial and its strategic local wallet

3、 partners during the twelve months ended June 30, 20192Global Leader in Digital FinanceServing Both Consumers and SMBsWealth ManagementMicro FinancingInsuranceCredit ServiceDigital Finance# of Consumers1# of SMBs1740 million28 millionNotes:1 Users who have used at least one category of digital finan

4、ce services during the last twelve months ended June 30, 20193Product Innovation Fuels Strong Consumer Adoption2018 12019 22018 12019 2PaymentWealth ManagementMicro FinancingInsuranceCredit Service7 in 10using8 in 103 in 10using4 in 10Notes:Figures presented at Investor Day 2018Services penetration

5、out of transacting users, figures as of June 30, 20193+ categories of servicesall 5 categories of services4Increasing User Relationship Balance Driven by TrustRelationship Balance10 x2x4x6x9xEntry year1 Year2 Years3 Years4 Years5 YearsTime with platformNotes:1 Relationship balance is defined as the

6、sum of the average balance of YuE Bao, Huabei, Jiebei, and annualized insurance premium during January to June 20195Opportunities in Merchant Services Unlocked by Our TechnologyPayment “CHECK-OUT”“CHECK-IN” for Digital EngagementIoT +SaaSCRMSupply Chain ManagementFinancing SolutionsSaaS Ecosystem De

7、velopersa6Case Study: Re-defining Smart Vending IndustryTraditional Vending MachineFacial Recognition + Credit ServiceUnlock to shopVisual ComputingAuto-Debit + Credit Pay Omni - channel AccessAlipay Mini-Program + Oine70%+Equipment Cost“X” times+Total SKU High Margin SKUData-driven SKUOptimization=

8、“X” times Unit Economics & Point of Sales7Digital Payment & Digital FinanceGlobalizationTechnology Service8Globalization of Ant FinancialEnableConsumers to BuyGloballyEnableMerchants to SellGloballyEnableUsers to TransferGlobally9Globalization: A Dierentiated Digital Global PlatformInclusiveFully Di

9、gitalizedOpen PlatformTechfin Enabler56 MarketsOine Merchant Acceptance10 MarketsLocal e-Wallet10Globalization: One-stop Access to the World - Initial ProgressConsumersConsumersOine MerchantsOnline Merchantsin Mainland Chinain Hong Kong, Chinain Japancan now enjoyOine payment in 56 markets Online sh

10、opping around the worldcan now enjoyOnline shopping andOine payment in the Mainland Oine payment in JapanCross-border transfer to the Philippinescan now acceptcan now accept11Globalization Strategy: Fully Aligned with Alibaba Digital EconomyMarketplaceGlobal ExportLocalGlobal TravelGlobal ImportIncl

11、usiveCross-borderGlobal Logistics PlatformGlobal Digital Payment & Finance Platforme-Trade Global e-Trade Policy12Travel Case Study: Significant Value-Add to Consumers & Merchants Far Beyond Payment Pre-tripIn-tripPost-tripFlight & HotelAdvance coupon to consumersTargeted marketing to merchantsCity

12、discovery Car hailing Tax refundRepurchase coupon to consumersContinuous customer reach to merchantsOnline cross-border purchasingTransparent and Favorable FX Rates13Digital Payment & Digital FinanceServiceGlobalizationTechnology14Technology: Proprietary & Proven Technology for All5BlockchainPayment

13、TECHCreditTECHInsurTECHAMTECHAIEmpoweringOpening UpAlphaRisk3 mins to apply2 mins to file1secs to generate marketing reportsDevelopingBASICSecurity IoT ComputingOur BusinessesOur Technology1 sec to get approved0 manual operation1 sec to get approved Hours to process reimbursement2 secs to identify k

14、ey issues sec to receive optimization recommendationNew Business215Blockchain: Ledger of Digital EconomyCompaniesIndividuals NoteA/RCertificateNetwork of Value Enabled by TechnologyContractGovernmentWarehouse ReceiptISVsFinancial InstitutionsInvoice16Ant Blockchain DierentiationGlobal Leading Techno

15、logy CapabilitiesWidestCommercial ApplicationsOpen Ecosystem to All16Global Leading Blockchain PlatformCommercial ApplicationBlockchain PatentDierentiated CapabilitiesLeader inNotes:Clarivate Analytics, IPRdailyFigure as of September 20, 2019Globally#1for Three Consecutive Years1Ecient Smart Contrac

16、t Engine Strong Privacy ProtectionScalable Network of Consensus Multi-chain Interoperability40 millionDaily Upload Items217Case Study: Medical InvoicesSecurityOn-chain EncryptionPrivacy ProtectionPatients Medical Bill PaymentHospital & Local Finance Bureau Invoice IssuanceAlipay Invoice Managing & C

17、laim FilingInsurance CompaniesTransparencyO-line to Real-timeAccess to InvoicesEntire Claim & Reimbursement Process on AlipayTrustedRmb 100 to Rmb 1CirculationClaim Processing CostMedical Invoice Issuance and Circulation onEciencyDays to MinutesReimbursement Time18Blockchain-as-a-Service (BaaS) Plat

18、form - Open EcosystemISVsFinancial ServicesFinancial InstitutionsTransaction ServicesCorporationsMunicipal ServicesGovernment BureausSmall BusinessesISVsHigh CompatibilityFinancial-grade InfrastructureGateway to Ant Financial EcosystemTrusted VoucherEnterprise CertificationTokenizationSmart Contract

19、Cross-chain ServicesIn-house Developed BaaS Platform - MyChain19Our PrinciplesContinuous InnovationTechnology FocusedOpen Platform21Continuous Innovation: Lead Every Single Milestone in the History of Inclusive Finance in China200320092010201120172018First Blockchain-Online Escrow PaymentFirst Mobile Payment APPDirect Debit Pa