1、AliExpress - A Global Buy & Global Sell PlatformEric JING, Chairman and CEO of Ant FinancialSeptember 23-24, 2019 Hangzhou, ChinaAnt Financial - A Global Leading TechFin CompanyDigital Payment & Digital FinanceGlobalizationTechnology ServiceOur Business - Three Growth Pillars1Alipay AAU1900 million
2、1.2 billionFast Growing Global User BaseAlipay & Local Wallets AAU2In China Globally2Notes: 1 Annual active users of Alipay in China, as of June 30, 2019 2 Global AAU include annual active users of Alipay in China, and overseas annual active payment users served by Ant Financial and its strategic lo
3、cal wallet partners during the twelve months ended June 30, 2019Global Leader in Digital Finance# of Consumers1# of SMBs1740 million 28 millionDigital FinanceMicro FinancingCredit ServiceWealth ManagementInsurance3Notes: 1 Users who have used at least one category of digital finance services during
4、the last twelve months ended June 30, 2019Serving Both Consumers and SMBsProduct Innovation Fuels Strong Consumer Adoptionusing 3+ categories of servicesusing all 5 categories of services8 in 104 in 103 in 107 in 102019 22018 12019 22018 1InsuranceMicro FinancingWealth ManagementCredit ServicePaymen
5、t好医保4Notes: 1 Figures presented at Investor Day 2018 2 Services penetration out of transacting users, figures as of June 30, 2019Time with platform10x9x6x4x2xEntry year 1 Year 2 Years 3 Years 4 Years 5 YearsRelationship BalanceIncreasing User Relationship Balance Driven by Trust5Notes: 1 Relationshi
6、p balance is defined as the sum of the average balance of YuE Bao, Huabei, Jiebei, and annualized insurance premium during January to June 2019Payment “CHECK-OUT”Marketing&OperationPaymentandDigitalFinance“CHECK-IN” for Digital EngagementIoT +SaaSCRMSupply Chain ManagementFinancing SolutionsSaaS Eco
7、system DevelopersOpportunities in Merchant Services Unlocked by Our Technology6Case Study: Re-defining Smart Vending IndustryTraditional Vending Machine70%Equipment Cost8Facial Recognition + Credit Service Unlock to shop Visual ComputingAuto-Debit + Credit PayOmni - channel Access Alipay Mini-Progra
8、m + Oine“X” times “X” timesTotal SKU High Margin SKUUnit Economics & Point of Sales7+ =Data-driven SKU Optimization+GlobalizationDigital Payment & Digital Finance8Technology ServiceEnable Consumers to Buy GloballyEnable Users to Transfer GloballyEnable Merchants to Sell GloballyGlobalization of Ant Financial9
