Baidu, Alibaba, and Tencent (BAT), China's most successful and influential internet companies, have been instrumental in moving Chinese commerce from cash-heavy toward cashless. As these disruptors establish themselves in the global financial services ecosystem, they are reaching out to consumers in other countries and posing a potential threat to traditional financial firms there. This report shows how the BAT firms influence Chinese consumers, analyzes their expansion strategies in the finance industry, and tells digital business pros how to react to stave off the threat.