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"But not anymore," said Chua, adding that starting from 2015, the company has been offering more value-added products when doing business with its customers.

"China is going to eat our lunch? Come on, man! I mean, you know, they're not bad folks, folks. But guess what? They're not competition for us," he said.

"Cement roads bring more economic benefits for people living in mountain areas. They also bring investment from outside," said Cheng Lu, an official with the Shaanxi provincial department of transport.

"CMB has always been dedicated in bringing a better user-experience with technology and these clients are the people we can experiment on. I think artificial intelligence and fintech will be a new battleground to win over Chinese private banking clients."

"Buying is no longer the sole purpose when visiting a shopping center. Consumption can be spontaneous."