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"Data can pinpoint and predict customer needs, offer customized solutions, and hence gather more clients," You said. "The growing customer base will in turn generate more data it can leverage to perfect its services."

"Facial recognition, which has long been used in social networks, has already become a technology mature enough to be utilized in the financial sector," said Yang Tao, assistant director of the Institute of Finance and Banking at the Chinese Academy of Social Sciences.

"Existential debates about ‘global governance' aren't his thing," he said.

"Don't (take the) risk to sign up for membership if the gym is not within walking distance to home or workplace because you know you will never go," said Dong Fang, a 26-year-old Shanghai-based real-estate manager.

"Enterprises have made constant strides in improving their technological innovation capabilities that have become the fundamental driving force for sustainable development in China," Miao added.