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Apart from online lessons – they will feature themes that revolve around language, society, science, health and art - Ai English also comprises classes for after-school care providers. There are also plans to set up an online English store that offers diversified learning materials by 2020.

Apolong buses coming off the production line in Xiamen, Fujian province. [Photo by Chen Bingqing/for China Daily]

Another advantage is that it can increase transaction efficiency, Shu added. A manager surnamed Yi at a bookstore in Shenzhen told China Daily that the monetary value of sales is deposited directly into the store's bank account and there is no need to operate another third-party account. However, Shu said customer choice dominates the future of the payment structure. As existing channels have covered nearly all consumption scenarios, the digital yuan needs to make breakthroughs for broader acceptance.

Apart from small and micro-businesses, agriculture and rural residents are also key targets for inclusive finance, said Wang Shuguang, a professor at the School of Economics at Peking University. Many counties don't have a structured financial system and innovation should be encouraged to coordinate all financial resources to lead more private capital to rural areas as a way to promote inclusive finance, he said.

Antoine Nkodia, adviser to the prime minister of the Republic of Congo in charge of economy, plan and special economic zones, said claims that Africa's debt is the fault of China take the responsibility away from African states themselves.