🤯 China breaks Alipay

Alipay, sashay away | Hey big spenders | [Finimize]( Hi {NAME}, here's what you need to know for September 14th in 3:00 minutes. 🚙 The EV industry is only heading in one direction, and if you’re hoping it pulls over, you should’ve gone before we left. Just try to hold in the excitement until next Monday’s [The Surge In Electric Vehicles]( event, please. [Grab your free ticket]( Today's big stories - China announced plans to break up payment app Alipay - The hydrogen market could quadruple in size by 2050, and there are a bunch of ways you could profit from it – [Read Now]( - Companies are spending more on new equipment than they have in years to prepare for a post-pandemic world Crushed [Crushed] What’s Going On Here? China [announced]( plans to break up payment app Alipay on Monday, as the country’s tech sector crackdown really starts to leave its mark. What Does This Mean? Alipay – which boasts more than a billion users – is known as the go-to platform for everything from ordering food to processing payments. Now, though, it might be better known as the latest victim of a regulation-happy Chinese government, which has been looking to limit tech companies’ power in the country ([tweet this](). And Alipay certainly isn’t short of that: its seriously profitable lending business helped issue 10% of all China’s non-mortgage loans in 2020. The government, then, has told the company to spin that segment off into a completely new app, as well as hand over its customers’ data to a new credit-scoring business that’s part-owned by – you guessed it – the government itself. Why Should I Care? For markets: The bigger they are, the harder indexes fall. Make no mistake: this is bad for Alipay-owner Ant Group, whose lending business was a key reason for trying – and, uh, failing – to list on the stock market last year. That makes a second attempt pretty unlikely, at least for now. But it’s rough for Alibaba too: the ecommerce giant – which owns 33% of Ant Group – saw its shares fall 4% after the announcement on Monday, meaning they’ve now dropped 30% this year. And since no one seems to be safe from China’s iron fist, a key index tracking the biggest tech players in China fell 2% too. The bigger picture: Don’t say they didn’t warn you. China’s central bank did warn the online lending industry this summer that government-approved credit companies were eventually going to have to approve every lending decision they make. Now that it’s here, though, industry execs might be nervous: they’ll have extra costs in the form of extra outsourcing, and – if the credit-scoring companies rubber stamp fewer loan applications – they might make less in revenue too. You might also like: [There’s one more reason Chinese stocks could come crashing down…]( Copy to share story: [( 🙋 [Ask a question](mailto:questions@finimize.com?body=Ask us a question: Where are you writing from? Let us know and we'll mention it when we reply.&noapp=true&subject=Crushed&utm_campaign=daily-global-14-09-2021&utm_source=email) Analyst Take The Many, Many Ways To Profit From The Fuel Of The Future [The Many, Many Ways To Profit From The Fuel Of The Future] What’s Going On Here? Hydrogen’s made a name for itself as the [clean energy source of tomorrow](. And it’s easy to see why: there are so many potential applications for the humble gas that the industry’s expected to [quadruple in size by 2050](. Think [fuel cells]( that can be used in land, sea, and air vehicles, where the only waste product is water so pure you can drink it. Think [energy storage]( that could replace conventional batteries altogether, since hydrogen can be stored for months without losing much power. And think [industrial applications](, at a time when industry accounts for a fifth of the world’s carbon emissions. So that’s today’s Insight: the multitude of things hydrogen could be used for, and the [listed companies at the cutting edge of all of them](. [Read or listen to the Insight here]( SPONSORED BY FINANCIAL EDGE Interested in a career in finance? [Financial Edge]( is renowned among the Big Four investment banks for preparing the highest-quality candidates, which is why it’s their [first-choice training firm]( for analysts. No surprises there: not only are [Financial Edge’s]( founders ex-investment bankers, but it boasts nine full-time Wall Street instructors with 157 years of industry experience. And now you can use Financial Edge to [fast-track your own career]( in investment banking, private equity, and more. Study whenever and wherever suits you, and you’ll get certification to show future employers you have the same skills as those at the top banks. You can even go on to earn a [micro-degree]( and, upon completion, join Financial Edge’s [growing LinkedIn alumni]( alongside hires at the top Wall Street firms. And right now, you can [get 25% off](: just use code FINIMIZE25. [Fast-Track Your Career]( Dystopen For Business [Dystopen For Business] What’s Going On Here? [Data]( out over the weekend showed companies are spending more than they have done in years, as they equip themselves for this surreal post-pandemic future. What Does This Mean? You’ve got to spend money to make money, and everyone from food giants to chipmaking heavyweights has certainly been doing that: Morgan Stanley is predicting global investment by businesses to be 15% higher this year than it was before the pandemic. That makes sense, as supply delays, chip shortages, and the green revolution are all forcing them to invest in their production capabilities and in-house technology. Throw in pent-up consumer spending, super-cheap borrowing, a bona fide economic recovery, and it’s no surprise CEOs are suddenly much more forthcoming with the company credit card. Why Should I Care? The bigger picture: Compare to the alternative, not the almighty. A surge in business spending could be just what the global economy ordered, offering a ray of hope that supply chain issues, [inflation]( fears, and the withdrawal of economic support won’t ruin 2022 like some are anticipating. And if nothing else, be thankful we’re worlds apart from where we were after the 2008 financial crisis, when companies’ unwillingness to spend money saw employment numbers and wages stagnate. Zooming out: The must-have toy of the year. At the top of firms’ wishlists as they looked to boost production were metals – specifically aluminum, which hit a 13-year high on Monday after rising 15% over the last three weeks. And with China continuing to limit production as part of its drive to reduce carbon emissions – a supply gap that could take as long as five years to fill – that rally doesn’t look like it’ll be over anytime soon. You might also like: [How higher capital expenditure affects cash flows.]( Copy to share story: [( 🙋 [Ask a question](mailto:questions@finimize.com?body=Ask us a question: Where are you writing from? Let us know and we'll mention it when we reply.&noapp=true&subject=Dystopen For Business&utm_campaign=daily-global-14-09-2021&utm_source=email) 💬 Quote of the day “I want all of you to know that when you sleep tonight, I won’t because of you.” – Daniil Medvedev (a Russian tennis player) [Tweet this]( SPONSORED BY MINTED The golden rule The key to investing is a balanced portfolio, and [gold]( is your best way to do just that. But who are you, Scrooge McDuck? The [Minted app]( lets you buy, sell and save gold effortlessly, all while offering free storage and insurance. You know – just in case you don’t have your own vault lying around. Whether you choose to make a one-off purchase or start a savings plan, you can invest as much or as little as you want each month, all on [Minted’s easy-to-use platform](. And as soon as you’ve saved enough for a gold bar, you can withdraw it and start swimming around in it like the best of them. Start buying gold in minutes: [set up your Minted account now](. [Get Minted]( 🎯 On Our Radar - This woman worked out every day for a year. And [documented it on YouTube](. - Do business with the big guns. Secureframe will get you [SOC 2 compliant in weeks](, not months.* - Astronauts make space pizza sans pineapple. Now that’s [taking a stand](. - Decentralized finance is going places. [Invest in a company]( that embodies the best of the movement.* - It’s official. Fitter people [drink more](. When you support our sponsors, you support us. Thanks for that. 🌎 Finimize Community 🧐 A great event, IMO BTW, we’re hosting an event answering all your FAQs about NFTs ASAP: it’s called [WTF Is Next For NFTs?](. NGL it’s going to be GR8 for your IQ, and it’s perfect if you’re like “IDK anything about NFTs”. You can come no matter your DOB or your ZIP, so please don’t go AWOL. G2G, TTYL. 💥 [How To Master The Crypto Ecosystem](: 5pm UK time, September 14th 🥊 [Ethereum Vs. The Ethereum Killers](: 1pm UK time, September 15th 🎨 [WTF Is Next For NFTs?](: 1pm UK time, September 16th ✅ [How To Be Greener About Bitcoin](: 6pm UK time, September 16th 🔌 [When Will Microchips Bounce Back?](: 1pm UK time, September 17th 💰 [A Guide To Valuing Crypto Assets](: 5pm UK time, September 17th 🚗 [How To Profit From The EV Boom](: 5pm UK time, September 20th 🔒 [Navigating The World Of Bitcoin Security](: 6pm UK time, September 21st 🚀 [Should You Jump On The NFT Bandwagon?](: 1pm UK time, September 22nd 📱 [How To Be A Diligent Tech Investor](: 4pm UK time, September 22nd ♻️ [How To Turn Your Portfolio Green](: 6pm UK time, September 23rd 🛢 [How To Build A Commodities Portfolio](: 6pm UK Time, September 27th 🤠[How To Win Big With Fractional Shares](: 5pm UK time, September 28th 💰 [Does It Make Sense To Own Bonds In 2021?](: 3pm UK time, September 29th 🤖 [The Pros And Cons Of Algorithmic Trading](: 6pm UK time, September 29th ❤️ Share with a friend Your Referrals: 0 Thanks for reading {NAME}. 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