The End of the Experimental Phase China’s fintech sector is gradually moving away from an era defined by experimentation toward one shaped by standardization. In its early years, fintech thrived on rapid trials, flexible models, and constant iteration. This approach helped identify what
Infrastructure as an Organizing Force Financial infrastructure in China has evolved into an organizing force that coordinates economic activity across regions and sectors. As the economy becomes more digitized and interconnected, the systems that process payments, manage settlements, and support data exchange play
Governance as a Foundation for Innovation China’s fintech governance model reflects a broader philosophy in which innovation is guided rather than left entirely to market forces. Instead of allowing digital finance to develop in parallel with regulation, authorities have gradually embedded governance into
