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"For financial institutions, the most difficult thing is trying to figure out how to get better returns from their investment, how to change their culture, people and their mindset. The softer side is much more difficult for larger financial institutions. It had faced the challenge before and it will continue to be a challenge."

"Gone are the days when people used to define a life of good quality through possession of certain items or conspicuous logos," Jin said. "The new middle class see consumption not as a badge of honor but as a source of value."

"For instance, greater access to mobile technology in China has fostered the expansion of the 'sharing economy', which is expected to reach 10 percent of GDP by 2020," the report says.

"For the traditional supermarkets, inventory turnover rate is more than 30 days. For us, it is shortened to fewer than four days－guaranteeing freshness of all products sold in the store," Wang said.

"From Normal to Platinum, we divide our customers into five ranks," Liu said.