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Macau five-year plan to diversify economy, boost fintech — Aug 18, 2026Happen uses AI-powered underwriting and a digital-bank model to improve lending efficiency and grow with high-quality borrowers, while still trading at a valuation discount to fintech peers. Macau unveiled a five-year plan to diversify from gaming into fintech, digital currency, and non-gaming sectors, and Hong Kong fintech thinker Henry Chen argues products should be user-centered to reduce friction and clarify complex information.