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"Compared to conventional commercial banks, Banco XCMG is capable of providing suitable financial products for its end users and distributors with high service efficiency and low financing costs," said Wang Min.

"Chinese tourists, especially millennials, live on their smartphones. The Chinese tourists you see around the world are glued to their smartphones, and WeChat is the center of that," Towson said.

"Considering our huge population base, we lag behind the world's top level, but we're making small and steady growth every year," Wei said.

"Currently, the overall operation of China's banking and insurance sectors remains stable, and financial risks faced by them are generally under control. Although risks are quite high for some banking and insurance institutions, they will not affect the stability of the entire industry, as there is only a small number of them," said Xiao Yuanqi, chief risk officer and spokesperson of the CBIRC.

"Core technologies cannot be bought," Guan said.