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"Consumption demand has been shifting gradually from goods to more services. This will also help maintain labor market stability during the period of economic transformation," Qu said.

"China's twin cushions－foreign exchange reserves and extremely high domestic savings rates－provided it with both the resilience and policy space to proactively address major economic and financial threats, unlike more-vulnerable economies. This is increasingly important in a crisis-prone world," Roach added.

"Compared with its rivals, VIPKID has gained a lead. However, it faces some challenges in that the company is trying to expand its business to small-size private classes," he said.

"Citizens who own this card can enjoy many benefits. For example, they can get a 50 to 60 percent discount on bus or subway tickets," said Yang Shasha, a staff member of a state-holding company, which is in charge of issuing the cards.

"China's experience provides valuable lessons to authorities in other countries who are fashioning their own pathways toward sustainable and long-term financial inclusion," it said.