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"From the perspective of direct banks themselves, meanwhile, they don't have a clear strategic positioning, which results in overlapping of business with traditional banks."

"For example, e-hailing companies can reap significant benefits by investing in electric vehicle fleets. This could decrease fuels costs by as much as 65 percent according to our research," he added.

"Frankfurt is like the No 29 financial capital of the world, Paris is No 34, according to the data in our book. We are not competing with Frankfurt and Paris but Hong Kong and New York and maybe eventually it might be Shanghai, I don't know," he said.

"Have they changed? Grown taller?" Courova asked with the same excitement a mother might show talking about her long-missed children.

"Five years later, the annual revenue is likely to be more than double the number today," Ren said. The Shenzhen-based company posted 8.5 billion in revenue in 2018, and said earlier that the figure is likely to hit 5 billion this year.