Digital RMB red envelopes add a different flavor

　　Our reporter Pan Fuda

　　As the first batch of digital renminbi pilot cities, Shenzhen, Suzhou, and Beijing have recently launched a lottery to issue digital renminbi red envelopes.

Compared with the previous rounds of testing, during the Spring Festival this year, the digital RMB red envelope consumption scene is more abundant, bringing a new payment experience to people who "Chinese New Year in situ", attracting winners to try online and offline, adding special features to this Spring Festival Year taste.

New year red envelopes

　　"Four colleagues applied together, and only me!" One day before the Spring Festival holiday, Ms. Yang, a Beijing citizen, was pleasantly surprised to receive the winning message.

At 9 o'clock that evening, the "Digital Wangfujing Ice and Snow Shopping Festival" event distributed 50,000 digital RMB red envelopes worth 200 yuan at a time through lottery draws. More than 2.52 million citizens registered for this event. The winning rate was 1.98%. Yang The lady is one of the few "lucky ones". She placed an order on the Jingdong platform to purchase antibacterial liquid and hair care essential oil.

　　"The operation interface is simple and clear. You only need to push a'sub-wallet' to the consumer platform and choose the digital renminbi payment method during settlement." Her biggest feeling is that the payment process is very convenient.

Another winner, Ms. Cao, bought eye cream on JD.com. "The payment experience is similar to that of WeChat and Alipay. It's very convenient and easy to use!"

　　Yesterday afternoon, Ms. Ning, the winner of the lottery, came to Wangfujing Street. She bought souvenirs at the Beijing Winter Olympics licensed merchandise flagship store on the first floor of Gongmei Building. She also bought tea from Wu Yutai. She deliberately tried it during both shopping. "Touch" function.

You can easily complete the payment by touching the sign of the merchant with the built-in chip and entering the payment amount on your mobile phone.

　　The recent digital RMB pilot program has been closely integrated with the call for "Chinese New Year in situ".

On the first day of the Spring Festival holiday, a digital RMB red envelope worth 30 million yuan in Suzhou New Year's Day arrived. Many time-honored stores in Suzhou have opened a digital RMB window.

"No matter for consumers or merchants, digital renminbi is a very convenient new way of payment." said the person in charge of a store.

Each pilot scene has its own characteristics

　　With the continuous advancement of digital RMB testing, consumption scenarios and the number of participating institutions have been upgraded: consumption scenarios have been expanded to "online + offline", not only covering supermarkets, restaurants, gas stations, etc., but also adding JD online Platform: In addition to the six state-owned banks of Industry, Agriculture, China, Construction, Communications, and Postal Savings, other participating institutions are also actively conducting research and development. The latest round of pilot announcements in Suzhou mentioned that Bank of Suzhou will bring Suzhou time-honored merchants and pilot operating institutions Cooperation.

　　The digital RMB pilot event in Beijing supports online and offline consumption around the entire Winter Olympics food, housing, transportation, travel, shopping, entertainment and other scenarios. Not only the Winter Olympics theme features distinctive features, but also a variety of new gameplays have been launched.

“At present, all merchants in the mall support digital renminbi payment, and users have new choices when paying.” Niu Chao, deputy general manager of Gongmei Building Mall, introduced that during the Spring Festival the mall’s digital renminbi payment amount was nearly 10,000 yuan, and consumers bought the most cash. It is a winter Olympic commodity.

　　It is worth noting that the “digital renminbi hard wallet” that is separated from mobile phones was unveiled in a pilot event in Beijing.

Among them, the Postal Savings Bank of China launched a digital renminbi visual card hard wallet and a fingerprint card hard wallet with superimposed health treasure functions to realize the "one card dual use" of digital renminbi payment and health treasure registration.

The reporter was informed that the appearance of the video card hard wallet is similar to that of an ordinary bank card, and a small one-inch screen displays the consumption amount and balance.

　　In addition, a smart ski glove launched by Bank of China realizes "senseless payment". The digital renminbi wallet chip is embedded in the wearable device, and the payment can be completed by "touching" it. It is suitable for sports or poor internet. It is convenient to use the mobile phone.

At the Xindong’an branch of Industrial and Commercial Bank of China on Wangfujing Street, multiple ATMs have also launched digital RMB deposit and withdrawal functions.

　　Before the Spring Festival, Shenzhen’s third round of digital renminbi pilot activities had just ended, and a total of 20 million digital renminbi red envelopes were issued to those who had purchased social insurance in Longhua District.

Different from the previous Luohu and Futian pilots, the Shenzhen Longhua Digital RMB pilot is more inclusive, with a wider audience and more coverage of people who are not sensitive and unfamiliar with new payment methods.

Digital RMB advances and accelerates

　　Since Shenzhen first launched a digital RMB red envelope pilot program in October last year, the pace of digital RMB pilot testing for the public has gradually accelerated.

　　Up to now, the digital renminbi has been piloted internally in Shenzhen, Suzhou, Xiongan New District, Chengdu and future Winter Olympic scenes.

"Xiongan Release" announced on February 7 that the Agricultural Bank of China Hebei Xiong'an Branch has completed the research and development and production of the first digital RMB "hardware wallet", and the "hardware wallet" was unveiled in the Xiongan New Area.

　　"On the whole, the recent trends of digital renminbi have three main characteristics." Su Xiaorui, a financial technology expert, concluded that digital renminbi is expanding to more scenarios, and its use value is continuously enriched and extended; experience forms are diverse, digital The renminbi brings a more novel and convenient payment experience to users; the pilot multi-line parallel, although there is no official announcement of the pilot activities in some cities, small-scale scene access has sporadically appeared.

She expects that subsequent trials will make greater breakthroughs in online usage scenarios, and in the future, digital RMB will gradually penetrate into retail scenarios such as travel, e-commerce, and short videos.

　　Industry insiders suggest that the digital renminbi needs to take care of the elderly and people in underdeveloped areas fairly.

Many users who are early adopters of digital renminbi payment appealed to mobilize merchants to participate and increase the frequency of using digital renminbi.