‘Ni hao, Ah Bao’: China’s Alipay gets AI-agent overhaul to challenge big tech rivals

Fintech giant is seen leveraging its billion-user base to launch a conversational interface that coordinates 10,000 services, with safeguards Ant Group has unveiled the biggest overhaul of Alipay in two decades, transforming its ubiquitous mobile-payment app into a native AI platform with autonomous agents, as it strives to dominate China’s next-generation internet gateway. A trial version of the flagship app now features an interactive assistant named “Ah Bao”, marking a strategic pivot from a traditional digital wallet into an AI-driven ecosystem. Accessible via a right swipe on the homepage, the new interface allows users to access more than 10,000 everyday services – from ride-hailing to food delivery – through conversations with the Ah Bao bot. The feature is currently available on an invite-only basis, with plans for a gradual roll-out to all users, according to Alipay. To address potential security concerns inherent to autonomous artificial intelligence, Alipay said Ah Bao acts strictly as a process operator. All final payments and other financial actions were said to require explicit confirmation from users to prevent unauthorised transactions.

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