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"China's concerted regulatory tightening on multiple fronts could force a decline in shadow banking activity and weigh on the country's overall credit expansion in 2018," said Liao Qiang, an analyst with the rating agency.

"Currently, local governments all turn to digital platforms such as Alipay and WeChat to hand out consumer vouchers online. According to incomplete statistics, Alipay and WeChat each have over 1 billion users. They have built up wide-ranging digital life networks with multiple functions," he said.

"China will become the major driving force (behind) global licensing market growth by the year 2020 when the middle class population in the country reaches 600 million," Riotto said.

"China's manufacturing industry had just begun accelerating its development back then. I usually took the train from Nanning to Shanghai to purchase cloth and then came back to Vietnam through Pingxiang," said Trieu.

"China's regulation on the administration of savings has stipulated only banks and credit cooperatives can handle savings-related business. Internet platforms, which largely market these products through massive online traffic, are not technically eligible for such services," said Dong Ximiao, chief researcher at Merchants Union Consumer Finance Co Ltd.