Digital Payment Services
The Group primarily operates through its indirect wholly-owned subsidiary — Macau Pass (Macau’s leading payment service provider) — to deliver mCard, MPay and acquiring services. By strengthening Macau’s payment ecosystem, the Group drives the upgrade of local digital lifestyle services while expanding cross-border payment capabilities to facilitate cross-border consumption. In September 2025, Macau Pass proudly received the highest-ranking "Key Technology Enterprise" certification from the Macau Economic and Technological Development Bureau, affirming its technological excellence and leadership in financial technology.
The most widely used contactless smart payment card in Macau, with over 6 million cards issued to date, is accepted across Macau’s entire public transportation system and over 30,000 consumption points. It covers core consumption scenarios including transportation, retail, dining, and entertainment.
On December 4, 2024, Macau Pass joined the China T-Union system, launching the "Macau Pass – China T-Union mCard", which is now usable on public transport in over 300 cities across Chinese Mainland covered by the China T-Union network. Subsequently, products like the "Lingnan Pass – Macau Pass China T-Union Card" , the "Shenzhen-Macau Intercity Card", "Zhuhai-Macao Public Transport Card" , "Celebrate the 26th Anniversary of Macau’s Return to the Motherland – Macau Pass • Zhuhai Tong mCard set" and "Wuhan-Macau Intercity Card" have been introduced, advancing interoperability in the Greater Bay Area’s transportation sector.
In recent years, Macau Pass has continuously deepened the integration of mCards with cultural creativity, launching a series of distinctive themed cards—including NBA CHINA GAMES mCard, 3D mCard(Mahjong),Year of Horse mCard,Capybara Mini mCard, plush mCards, and DIY customisable mCards—gradually building a transit card ecosystem that combines practical functionality with cultural and collectible value.
As Macau's leading digital lifestyle gateway, the MPay e-wallet currently has about 1.73 million registered users. It is not only one of the most widely used electronic payment tools among Macau residents but also a comprehensive digital lifestyle service platform supporting a wide range of scenarios including dining, transportation, tourism, entertainment, online and offline shopping, finance, routine payments (utilities and property management fees), automated parking payments, and cross-border services and payments, making it a "Super App".
MPay has continuously deepened the construction of the local digital ecosystem, leading the upgrade of payment experiences through technological innovation. In December 2025, Macau Pass partnered with Alipay to launch the MPay Tap! function, providing Macau residents and tourists with a smart payment experience. MPay continuously extends its service boundaries. In June 2025, the "Amap Ride-Hailing" mini-app within MPay was extended to the local Macau market, facilitating a seamless travel experience between Macau and the Chinese Mainland within a single application. In February 2026, it integrated with "Alipay+ Voyager", an AI travel assistant, to provide users with a one-stop smart travel experience from booking to payment. Furthermore, MPay has newly integrated into the leading e-commerce platforms in the Chinese Mainland such as JD.com and Pinduoduo checkout scenarios, which has greatly facilitated cross-border online payment for Macau residents within Macau. In September 2025, Macau Pass collaborated with Huawei to launch the MPay application on the HarmonyOS, further optimizing the user experience for Huawei’s HarmonyOS users and achieving significant expansion in the HarmonyOS ecosystem.
Furthermore, MPay supports cross-border payment functions in about 60 countries and region, with newly added support for linking Hong Kong and Macau UnionPay credit cards, providing convenience for global consumers. In August 2024, to facilitate Macau residents’ cross-border consumption, MPay introduced a Cross-Border Zone that integrates nearly 90 mainland mini-programs such as Amap Ride-Hailing, Meituan Takeout, and transit QR code of Guangzhou Metro. In April 2025, MPay integrated the transit QR code of Guangzhou Metro, enabling Macau residents to directly pay fares in MOP across Guangzhou Metro, buses, ferries, and Foshan Metro. MPay has also actively engaged in the dual-currency acquiring business in Hengqin, Zhuhai, allowing MPay users to use MOP for payments at merchants within the cooperation zone, thereby enjoying a seamless payment experience comparable to payment tools available in the Chinese Mainland.
The Group’s subsidiary Macau Pass is also one of the leading acquirers in Macau with innovative payment solutions exemplified by our Alipay Tap! and MPay Tap! features. We provide merchants with comprehensive payment terminals and acquiring services. Macau Pass’s acquiring services support travellers from over 10 overseas countries and region to use their home country’s e-wallets in Macau, helping local merchants in Macau to conduct business seamlessly while providing tourists with a convenient payment experience.In early 2025, Macau Pass partnered with Alipay to pioneer the introduction of "Alipay Tap" payment services at Macau Sands Resort. Subsequently, this service was rapidly expanded to cover more than 8,000 merchant stores across various industries.
Full-Scale Banking Services
The banking business of the Group is conducted by Ant Bank (Macao). ABM is a local full-scale bank in Macau holding a full banking licence, providing comprehensive financial services including convenient account opening, payment and spending, global remittance, savings and wealth management (including insurance agency), and credit services to individuals and SME users. The Bank upholds the vision of "Making finance simpler, life easier, and Macau better", continuously enhancing product capabilities and optimizing customer experience, integrating the entire business chain from deposit and loans to wealth management and investment, bringing a higher-quality "payment + finance" service experience to users through a series of meticulous improvements. With our innovative service model, customers can enjoy a comprehensive digital financial experience on a single platform, significantly improving service efficiency and customer satisfaction.
While improving online service functions, the Bank also opened its first self-service facility on October 10, 2025. This self-service facility operates 24 hours a day, 7 days a week, providing basic services such as cash deposits and withdrawals, check deposits, and account inquiries through a self-service model.
While its business is growing rapidly, the Bank maintains stable operation as its cornerstone and continuously strengthens its capital foundation. By further improving the risk management system and reinforcing compliance and anti-money laundering practices, the Bank effectively ensures the safe and compliant conduct of all business activities, laying a solid foundation for long-term and high-quality development.
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