Ant International, a global digital payments and financial technology provider, has released its 2025 Sustainability Report, marking its second report since operating as an independent company and signaling a deeper integration of sustainability into its core technology and business strategy.
A key development in 2025 is the formal inclusion of sustainability metrics in management performance evaluations—positioning environmental and social impact alongside revenue and operational efficiency in decision-making. According to Eric Jing, Chairman of Ant Group and Ant International, the shift ensures accountability is embedded structurally across the organization.
AI-driven fintech expansion across global markets
The company’s sustainability approach is anchored in its 6Ts Framework (Travel, Trade, Thrive, Tech, Talent, Trust), with inclusion identified as a central goal.
Ant International’s digital payment ecosystem continues to scale rapidly through its global payment arms, including Alipay+ and Antom, which now connect 2 billion user accounts with more than 150 million merchants worldwide. The network supports over 300 payment methods across 220 markets, integrating national QR systems, digital wallets, bank apps, and BNPL services.
Beyond payments, its financial services platforms WorldFirst and Bettr now support 1.6 million SMEs, while extending credit access to 30 million MSMEs and underserved users, using AI and blockchain-enabled systems to improve financial inclusion.
AI and “FinAI” tools for SMEs
A major focus of the 2025 strategy is the rollout of AI-powered financial tools (“FinAI”) designed to help small businesses scale with minimal infrastructure investment.
Key innovations include:
- Antom Copilot 2.0, automating payment integration, onboarding, and risk management
- Agentic Payment Solutions, enabling AI-driven transactions across multiple payment systems
- FinAI-as-a-Service, offering fintech toolkits for partners like Malaysia’s TNG eWallet and Pakistan’s easypaisa
- Alipay+ Voyager, an AI travel assistant embedded in super apps
- EPOS360, an AI-powered SME operations and financing platform in Southeast Asia
The company also reported an AI FX forecasting system achieving up to 93% prediction accuracy in volatile currency markets.
Strengthening trust through AI security and compliance
To reinforce digital trust, Ant International expanded its AI-driven risk systems, including:
- A 7-billion-parameter SHIELD AI model detecting fraud with over 95% accuracy
- A global Digital Wallet Guardian network for shared fraud protection
- Enhanced privacy technologies recognized by Singapore’s regulatory guidance
The company also strengthened its anti-money laundering (AML) framework and expanded multi-layered risk governance systems across global operations.
Digital sustainability initiatives expand social impact
Beyond finance, Ant International expanded digital social impact programs, including charity fundraising platforms, environmental gamification tools, and youth education initiatives.
These include rapid digital fundraising in Hong Kong, environmental protection programs in Indonesia, and youth development partnerships in the United States.
Leiming Chen, Chief Sustainability Officer, emphasized that sustainability is now a driver of innovation, with a focus on measurable and inclusive global impact.
