I personally think this article is very good. I recommend it and it has given me, as a novice in the U-card field, some basic understanding. Indeed, all the low hanging fruits have been picked, so we have to roll in the less profitable track. However, the user experience is also rapidly increasing. I opened a U card this morning, and found that the experience was very smooth, whether it was for card opening, consumption in Hong Kong, or Alipay in the mainland. The next step is to compare which one is more cost-effective between various OTC and U-cards.