Imagine making a payment simply by speaking a command while wearing AI glasses. Or, by looking at a device for a moment, completing a transaction through iris recognition. From June 24th to 26th, the three-day 2026 World Mobile Congress (MWC) Shanghai was held at the Shanghai New International Expo Center. The event, themed "The IQ Era," comprehensively focused on cutting-edge fields like 6G, mobile AI, and embodied intelligence. At the China Mobile exhibition booth, such novel intelligent payment experiences attracted numerous domestic and international attendees.
China Mobile Financial Technology Co., Ltd. (referred to as CMFT), a wholly-owned subsidiary of China Mobile focused on the fintech sector, showcased its focus on AI+Smart Finance, AIGC-based anti-fraud and forgery detection, and new smart wearable payment scenarios. The company leverages digital and intelligent technologies to serve the real economy and safeguard capital security.
AI+ Smart Finance: Technology Enabling Two-Way Upgrades in Consumption and Industry
CMFT utilizes AI large language models, blockchain, and big data as its core technological foundation, focusing on both consumer finance and industrial finance to build a digital financial service system with operator characteristics. In the consumer finance domain, the company aligns with national consumption promotion directives, innovating differentiated services through digital capabilities. Its "Number Loan" service leverages a network tenure growth plan, converting users' long-term network data into tangible financial benefits, embodying the principle of "longer tenure, more benefits." Simultaneously, by harnessing "telecom + finance" big data capabilities, it provides financial institutions with services like precision marketing, aiding the accurate reach of inclusive finance and stimulating information consumption growth.
In the industrial finance sector, CMFT, relying on its commercial factoring license, offers flexible and efficient financing and accounts receivable management services to over 130,000 enterprises across the industrial chain. Its "Quick Cash" service provides channel distributors with rapid factoring financing for receivables, helping businesses optimize their working capital. The "Electronic Guarantee Platform" has served more than 25,000 projects, effectively improving corporate capital turnover efficiency. For the new infrastructure of computing power, CMFT has also innovatively launched services like computing power factoring financing and computing power guarantee bonds, providing accounts receivable financing for winning suppliers of servers, liquid cooling equipment, and more.
AIGC Anti-Fraud and Forgery Detection: Core Technology Fortifying Digital Security Defenses
Finance and security are intrinsically linked. In recent years, deepfake technologies like AI face-swapping and voice cloning have been constantly evolving, leading to a persistently high incidence of deepfake fraud, creating an urgent need for "anti-deepfake" measures in the financial industry. In response, CMFT has achieved 100% independent R&D in AIGC anti-fraud and forgery detection technology. Based on a self-modified multimodal forgery detection large model and a dataset of hundreds of millions of samples, it effectively defends against telecom and online fraud caused by the misuse of generative AI. This technology boasts three core advantages: first, "full-scenario coverage," comprehensively addressing the four main forgery scenarios of AI face-swapping, driving, generation, and editing; second, "high precision," with both pass-through and interception rates reaching 95%, earning an "Excellent" certification for deepfake video detection from the China Academy of Information and Communications Technology; third, "super-fast speed," achieving real-time identification and interception within hundreds of milliseconds. Currently, this technology has been deployed at leading institutions including Shanghai Pudong Development Bank, PICC Property and Casualty Company, and China Financial Certification Authority, with cumulative API calls exceeding 200 million, intercepting millions of attacks, recovering tens of millions of RMB in economic losses for users, and supporting both SaaS and private deployment models.
New Smart Wearable Payment Scenarios: Biometric Recognition Unlocks New Trusted Payment Experiences
Using smart terminals as trust anchors, CMFT integrates biometric recognition technology to create new smart wearable payment scenarios. Its VR headset iris payment features "look-and-pay," utilizing high-precision infrared cameras to enable "one-glance payment," completing iris verification and transactions in milliseconds, suitable for immersive scenarios like metaverse shopping, virtual exhibitions, and digital cultural heritage experiences. Its AI glasses voiceprint payment features "speak-and-pay," using voice as the interaction medium to enable "one-command payment," allowing for quick voiceprint verification while keeping hands free, suitable for scenarios where hands are occupied, such as shopping on the go or paying while cycling. Both innovations are built with financial-grade security protection, balancing convenience and safety to make payments smarter and more trustworthy.
Leveraging its unique "telecom + finance" advantages, CMFT will continue to promote the deep integration of AI with payment, finance, and security scenarios, deepen consumer and industrial financial services, strengthen digital security barriers, use fintech to serve the real economy and protect the "money bags" of hundreds of millions of users, continuously injecting digital and intelligent momentum into the high-quality development of the digital economy.
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