The National Engineering Laboratory for E-commerce and E-payment*, approved by the National Development and Reform Commission in 2013, is the first national engineering lab established by China UnionPay* in the financial industry. The aim is to build a domestically top-ranking and internationally renowned e-commerce and e-payment research base to strengthen technological breakthroughs and stay ahead in the e-commerce, e-money and e-payment technologies. ZhongAn Technology*, another rising star in the industry, is an offshoot o f the insurance titan ZhongAn Insurance*. It is oriented toward the R&D of basic technologies, such as cloud computing and AI, and its businesses encompass the upstream, downstream and periphery of the financial and healthcare industries. It leads the charge

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