Correct definition

Alipay is part of online banking

But what we usually say verbally does not mean the same thing

Alipay is Third-party payment platform users transfer money from the bank's online banking to Alipay and then make transactions through Alipay

What we usually call online banking refers to the bank's online banking payment system. All online consumption is transferred to the payment platform through online banking or Direct transfer to merchants

The current situation is that Alipay accounts for a higher proportion of direct online consumption than online banking direct consumption

Neither of the two can do without the other