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But now, she runs her business in a two-story building of more than 300 square meters.

But out of some 600 million subscribers, just 15 million are paying. That translates to only 3 percent of the total user base, compared to 20 percent in other countries, despite the low price of subscriptions at about 10 yuan per month.

But it is unlikely there will be trans-provincial integration of banks, as local governments want to have a certain level of local affiliation of financial service providers and therefore cherish the opportunity of having a licensed bank that is headquartered within their jurisdiction, he added.

But Wall Street analysts seem largely unfazed by Ma's stepping down from his chairman position in a year, marketwatch.com reported. "The long-time frame for Ma's departure from the board as well as his intent to continue advising the company in a reduced role 'should enable a smooth transition with lower key man risk,'" wrote Jefferies analyst Karen Chan.

But she conceded she wasn't sure if even a September date would come off as scheduled. "It all depends on the epidemic. It seems we just booked a possibility."