China's embedded payment system is a great example. This "open banking" experience means the ability to use multiple services by utilizing a single platform, to have portability where people can change from one service provider to other service providers seamlessly. This system and experience can be learned from and taken into other markets, said Hariram Chakraborthy Janakiraman, head of industry and innovation at ANZ Bank, in an interview with CGTN's Michael Wang at Sibos 2024.