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"But the good thing is that all the sales and payments online leave a digital record," he said.

"China has made great progress, but if you reflect back, the Global Findex showed that we went from the low 60s to about 69 percent of people in the world covered in terms of financial access," Kim said, referring to the finding that globally 69 percent of adults, or 3.8 billion people, have an account at a bank or mobile money provider, up from 62 percent in 2014.

"China has improved across almost all Doing Business indicators over the last decade, but the progress has been particularly impressive during Doing Business 2018-2020 when most Doing Business indicators improved," the report said.

"China has brought tangible changes and benefits to the African society through improving local infrastructure, building schools and hospitals, and offering training courses," she said.

"Capacity-building programs can be developed to benefit both Chinese investors and investment destinations on the continent," he said.