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Apart from serving China Construction Bank and its subsidiaries, the fintech company will export technology capabilities to external financial institutions. Its business scope includes software technology, platform operations and financial information services.

Ant's move mirrors a series of other partnership deals forged with companies in India, Thailand and Indonesia, where similar digital payment services have been wheeled out.

Antonio Campinos, president of the European Patent Office, said: "Our study shows that Chinese innovation in the field of fourth industrial revolution technologies has increased greatly. China has displayed, by far, the fastest growth of all major innovation centers around the world. Its universities, businesses, and regional hubs are becoming increasingly important players in the global 4IR innovation landscape."

Another challenge in China is the diversification of communication channels. Social apps, news apps, mobile media, direct marketing, friends and key opinion leaders or KOLs could all be sources of information.

Another distinguished professor, chemist Geoffrey Ozin, who has been called "the father of nanochemistry", said that he has been very fortunate to have the elite students from China.