At the 2025 World Artificial Intelligence Conference (WAIC2025) held on July 27, Ant Group CEO Han Xinyi shared Ant Group's thoughts on payment in the AI era. He said that the development of mobile Internet has benefited from mobile payment, which has made it very convenient to scan code payment into thousands of households. Today in the AI era, digital payment is still the basis of payment, but it is not completely applicable to the AI era. Ant hopes to open up the "last mile" of payment in the AI era through a series of innovative attempts. Han Xinyi said that Ant has been in business for 21 years. In the first decade, it participated in the process of China's mobile payment and made QR code payment deeply rooted in the daily life of ordinary people. In the second decade, it participated in the practice of China's digital inclusive finance, allowing ordinary users and tens of millions of small and micro businesses to enjoy financial services equally. Facing the next decade, Ant has established the strategy of Alipay's dual flywheel, AI first, and accelerated globalization, and is fully accelerating the transformation to the AI era. He shared three thoughts on Ant Group's focus on AI applications. Han Xinyi believes that AI-driven intelligent services are professional, personalized and automated. At the same time, applications in the AI era are not limited to the digital world, but should also be coordinated with the physical world.