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"For example, in big cities, people are willing to spend one month's salary on an iPhone," he said. "In small ones, they prefer mobile phone brands such as Oppo and Vivo, as they have good functions and designs but are relatively cheaper."

"Having its own mobile payment tool can boost cash flow, make the best use of its data and help it develop its own ecosystem. Finance, after all, is the foundation of all businesses," Li said.

"Growth of China's app economy is accelerating, putting it within striking distance of economies like Japan and the United States, said Bertrand Schmitt, CEO and co-founder of App Annie, a mobile analytics institute.

"For global brands, stepping into China through cross-border e-commerce means more than just market expansion," said Zhang Tianbing, Deloitte Asia-Pacific Consumer Products and Retail Industry Leader. "It requires a combination of digital resources and approaches to connect and interact with consumers, and satisfy their demands promptly, accurately and efficiently."

"Following progress in opening its equity and bond markets to foreigners, China is now taking additional steps to remove foreign ownership limits in financial institutions and some other sectors," it said.