With regards to mobile payment, we envision integrating it seamlessly into our platform for hassle-free transactions. We aim to utilize QR codes, mobile wallets, and other digital payment methods to improve convenience and efficiency in financial transactions.

Regarding luggage, we see an opportunity to incorporate smart technology into our designs. For example, developing luggage with built-in tracking devices, weight sensors, or even AI-powered packing suggestions could significantly enhance the travel experience.

As for VR, we believe it holds great potential in revolutionizing various aspects of our business. In the area of drug development, VR can be used to simulate complex biological systems and facilitate more accurate predictions about drug behavior. It also has implications in training and education, allowing us to provide immersive learning experiences for our employees.