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"China has made great progress, but if you reflect back, the Global Findex showed that we went from the low 60s to about 69 percent of people in the world covered in terms of financial access," Kim said, referring to the finding that 69 percent of adults around the world, or 3.8 billion people, have an account at a bank or mobile money provider, up from 62 percent in 2014.

"China is one of the world's largest countries. It gives much room for the segment to grow, as internet tools will help students across the nation improve their studies," he said.

"But some of the countries that were interested in creating bilateral (agreement) with us are getting a little more reluctant to deal with us because of the uncertainty of what's going on right now," she said.

"But we are still training in a systematic and focused way. And it appeared a good chance for us to get down to our own weaknesses," said Zhu.

"China Unicom is suffering from a brain drain. Teaming up with internet moguls can help rebuild it as an open and energetic company and boost employee confidence," he said.