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"Despite rising external uncertainty, Chinese businesses are expected to maintain their edge in fintech applications given flourishing new technologies, changing consumer behavior and a series of government incentives," Chan said.

"Decentralization for more cost-effective options will remain a major trend next year as tenants control real-estate costs in uncertain times," he said.

"Everything is running normally," Zhao said. "After a long holiday, I couldn't wait to go to the factory." Before resuming work, Zhao had been a bit worried that people gathering in the factory would raise the risk of infection of the coronavirus, but he felt relieved to see the strict prevention measures adopted in his factory.

"Demand of AI talent is extremely high now, and that happens to be our weak point as well. Talent is a key element in developing the industry," he said.

"Doing many different things gave me the opportunity to see how society really works. The perspective on life that formal education provides is far too limited."