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But to achieve these goals, more efforts are needed to cultivate homegrown companies that specialize in high-end sensors and AI chips. Platforms that integrate software and hardware are also needed to power self-driving vehicles and other applications, said Wang Weiming, deputy director of the science and technology department of the ministry.

But things turned around in 2014 after Liu got in touch with the Mango V Foundation, a charitable organization launched by Hunan Broadcasting System and the China Social Welfare Foundation. She took charge of its "love children with thalassemia" project in September that year.

But though Zhao may be strapped for cash, she has never defaulted on her monthly Ant Check Later installments. According to Ant Financial, 99 percent of their users settle their payments on time.

By 2015, 11.4 billion yuan (.65 billion) had been raised through crowdfunding platforms in China. The World Bank forecasts great crowdfunding growth potential in China, estimating it will be worth billion by 2025－52 percent of the global total.

But the California-based firm could be on track for a turnaround as it partners with Tencent's rival, NetEase Inc, to bring the mobile strategy game Dawn of Titans to China later this year.