Decoding Alipay: Mobile Payments, a Cashless Society and Regulatory Challenges

ArXiv ID: ssrn-3103751 “View on arXiv”

Authors: Unknown

Abstract

The financial industry has witnessed the so-called “fintech revolution” in recent years. Due to the emergence of information technologies such as cloud computin

Keywords: Fintech, Blockchain, Digital Payments, Regulatory Technology (RegTech), Financial Services

Complexity vs Empirical Score

• Math Complexity: 0.0/10
• Empirical Rigor: 1.0/10
• Quadrant: Philosophers
• Why: The paper is descriptive and legal/policy-oriented with no mathematical modeling, empirical formulas, or backtesting data, focusing instead on industry analysis and regulatory commentary.

  flowchart TD
    A["Research Goal: <br>How does Alipay drive <br>a cashless society?"] --> B{"Methodology"}
    B --> C["Data Collection"]
    B --> D["Regulatory Analysis"]
    
    C --> E["Computation: <br>Market Adoption & Usage"]
    D --> E
    
    E --> F["Key Findings"]
    
    F --> G["FinTech Innovation"]
    F --> H["Regulatory Challenges"]
    F --> I["Future of Cashless Society"]
    
    subgraph Inputs
        C
        D
    end
    
    subgraph Outcomes
        G
        H
        I
    end