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"Given the current momentum, we expect China's GDP growth to accelerate to 8 percent in 2021 from 2.1 percent this year, benefiting from a low base. Economic activity should normalize further next year, supported by the lagging effects of policy stimulus in 2020 and an improving global outlook as COVID-19 vaccines become widely available," said Ding Shuang, chief economist for Greater China and North Asia at Standard Chartered.

"For example, we believe now is actually a good opportunity to accelerate digital and online platforms and enhance internal competence, such as in learning and training," he said.

"Generally speaking, technologies such as big data will help to promote the development of microfinancing. By definition, they will be excluded from many financial products and services due to a lack of (credit) information about them, so bringing different kinds of information about them is very helpful," Morduch said.

"Furthermore," the report adds, "CCI focused on building cyber weapons and neglected to also prepare mitigation packages if those tools were exposed."

"For those people who are not familiar with online payments, we'll leave some windows of box office open to help them," he said.