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"Grandma thinks it's just like making a movie, and people around the country can see it on their phones, so she is excited and eager to make more," Huang said.

"For smaller loan applicants, the major difficulty is the information asymmetry," he said. "How to reduce default risks of unsecured loans by monitoring the cash flows of companies is also a challenge, because small and micro enterprises are asset-light and short of pledges."

"For example, with the new app, when the traveler gets to the airport, they will be notified which counter they should go to, to check in, and the time estimate for the whole process," Xu said.

"For us, they are strange but amazing," said Xin's mother. "At first, I was worried that she might not catch up with these online courses as these advanced courses are developed for top-tier students. But the fact is that she can catch up quite well."

"For Chinese wine consumers, imported wine has become more approachable and is increasingly consumed by middle-class drinkers and seen as suitable for consumption at more informal gatherings," he said. "Wine flavor has been increasing in its importance as a driver of choice and Chinese consumers are seeking wines that they enjoy consuming."