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"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."

"Finance is vigorous only in business scenarios. Banks must create their own business scenarios to compete with internet companies that have an advantage over banks in this respect," said Zhang, the former bank executive.

"Further opening-up and reform will continue, and in the meantime, financial regulation needs to improve to prevent systemic financial risks," said Zhang.

"For as long as I've been dealing with China, we have been working to get better access to products, so we are now able to do wholesale and it gives us again more opportunities to participate in the market," he said.

"For example, the number of customers willing to pay extra money for shore excursions has tripled this year," she said.