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Blockchain

With blockchain technology, we are establishing a next-generation trust mechanism while improving the efficiency of value transfer and multilateral collaboration. The technology presents us an opportunity to empower the real economy and fuel the digital economy at the same time. AntChain, our self-developed financial-grade consortium blockchain platform, stands out among global peers for its performance, reliability, and security. Specifically, it can support an amazing 1 billion transactions for up to 1 billion accounts per day. The platform ranks first in the world by the numbers of patent applications and licenses.

In June 2018, AlipayHK and Philippine e-wallet platform GCash jointly unveiled the world's first blockchain-based cross-border remittance service, offering a convenient, secure, transparent, and low-cost way to transfer money directly between individuals in Hong Kong and the Philippines.
In June 2018, AlipayHK and Philippine e-wallet platform GCash jointly unveiled the world's first blockchain-based cross-border remittance service, offering a convenient, secure, transparent, and low-cost way to transfer money directly between individuals in Hong Kong and the Philippines.

IoT

Interconnecting everything is the core target of the Internet of Things (IoT) and one of our important technological strategies. We hope to leverage IoT technology to comprehensively improve Ant’s financial life services capability, and deliver more convenient services and greater value for the users. At present, we have applied IoT technology to various scenarios including unattended monitoring, contactless payment, smart stores, and smart travel.

Powered by Alipay, buses in Hangzhou became the first in the nation to start accepting QR code payment in August 2016.
Powered by Alipay, buses in Hangzhou became the first in the nation to start accepting QR code payment in August 2016.

Database

The development and popularization of computing technology are the basis to realize inclusive finance. Through over a decade of exploration and practice, we have solved a number of world-class problems, among which the OceanBase distributed database, powered by general purpose hardware, and SOFA distributed middleware, is among the innovations that reshape the paradigm of indigenous R&D and global distributed computing.

In particular, our self-developed OceanBase achieved a performance score of 707 million tpmC in its latest benchmarking test, setting a world record while beating its own performance record by 11 times.
In particular, our self-developed OceanBase achieved a performance score of 707 million tpmC in its latest benchmarking test, setting a world record while beating its own performance record by 11 times.

AI

Artificial intelligence (AI) is an important part of our technical strategies. We have developed a number of world-leading technologies in the AI sector, such as machine learning, image recognition, facial recognition, and natural language processing (NLP). In addition to improving our AI-driven risk management decision-making capabilities and services experience, we also provide efficient and robust core AI technologies to various sectors.

Thanks to the deployment of our AI technology, MYbank has reduced its cost of labor, not only improving its efficiency, but also reducing the loan cost for SMEs. It has also launched "310" contactless loans, which allows borrowers to complete their online loan applications in three minutes and obtain approval in one second, with zero human intervention.
Thanks to the deployment of our AI technology, MYbank has reduced its cost of labor, not only improving its efficiency, but also reducing the loan cost for SMEs. It has also launched "310" contactless loans, which allows borrowers to complete their online loan applications in three minutes and obtain approval in one second, with zero human intervention.

Security technologies

We are committed to promoting the research and exploration of intelligent risk control, biometric identification and data security. Relying on eight security laboratories to carry out research on cutting-edge security technology, we are building a global leading and all-round security defense system, providing users with effective multi-dimensional protections including capital security and data security. At the same time, we are working together with security ecological partners to build the most trusted open platform for digital life.

Ant’s self-developed IMAGE is a leading next generation risk management system. Under its protection, Alipay’s fraud loss rate was under 0.098 in 10 million in 2021.
Ant’s self-developed IMAGE is a leading next generation risk management system. Under its protection, Alipay’s fraud loss rate was under 0.098 in 10 million in 2021.