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"Generally speaking, small and medium-sized banks still have adequate capital and liquidity. Their overall risks are under control," said Wen Bin, a researcher at China Minsheng Banking Corp.

"Given that the government provides subsidies to support startups such as mine, I also want to make my due contribution to society," Norbu said.

"For them it is not a matter of science; it's an ideological issue. No amount of scientific evidence will change this."

"First, data protection departments should take their own responsibilities in accordance with relevant laws and regulations and work out training to improve data protection capabilities. Second, we should tackle the root cause for the data security problem, such as promoting the issuance, use and management of digital ID cards as soon as possible. Third, China should carry out cybersecurity evaluation and reviews. Last, companies need to revisit their measures to protect and use data," Li added.

"For instance, I am impressed by how an app like Didi is seamlessly integrated with WeChat and makes travel in China so easy," he said.