HSBC and Standard Chartered branches line the streets of Asia’s big cities. But in China, without a single branch or plastic credit card issued, tech giants have been growing their shares in loans, wealth management and digital commercial payments. The latter is dominated by Alibaba and Tencent payment platforms. With banking in China going increasingly digital, current valuations of these fintech leaders will soon seem cheap.
滙豐(HSBC)和渣打(Standard Chartered)的分行遍佈亞洲大城市的街道。但是在中國，科技巨擘們沒有開設一家分行，也沒有發行任何實體信用卡，就在貸款、理財和數字商務支付等市場不斷擴大自己的份額。最後一項由阿里巴巴(Alibaba)和騰訊(Tencent)的支付平臺主導。隨著中國的銀行業務日益數位化，這些金融科技領先企業的當前估值很快將顯得便宜。
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