The recent study trip to Hangzhou provided an invaluable opportunity to explore innovative practices in technology and retail. It was fascinating to witness the thriving ecosystem of tech companies and their efforts in digital transformation, risk management, and e-commerce. Two companies stood out during this trip: Tongdun Holdings and Yowant (Yaowang). Each company showcased its unique approach to integrating cutting-edge technologies into their business models, highlighting key lessons in risk management, customer engagement, and leveraging digital platforms for growth.