The threshold for opening is lowered, and the application scenarios are constantly enriched - the
digital renminbi is becoming more and more "fragrant"
our reporter Chen Guojing
Recently, the digital renminbi (pilot version) APP has been launched in Apple, Huawei, Xiaomi, OPPO and other application markets.
Digital RMB "10+1" pilot areas, including Shenzhen, Suzhou, Xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian and Winter Olympics scenes (Beijing, Zhangjiakou), where you can download, register and use the digital renminbi. APP.
The Economic Daily reporter found that the WeBank (WeChat Payment) digital RMB wallet and the MYbank (Alipay) digital RMB wallet have been added to the APP.
During the experience, the reporter found that selecting "My" on the digital RMB (pilot version) APP, and then clicking "Open or Add Digital Wallet", you can see the two new wallets. After clicking and opening, you can See the new "Digital RMB" option in WeChat Pay and Alipay.
When using offline, consumers can use WeChat or Alipay to scan the digital renminbi payment code, or show the digital renminbi payment code to the merchant, and then they can pay in digital renminbi.
When shopping online, you can also use digital renminbi to pay. Consumers only need to click the "sub-wallet" function of digital renminbi, and then the page will appear on the page of JD.com, Meituan, Ele.me, Tmall Supermarket, Didi Chuxing, and SF Express After waiting for the merchant list, after selecting the merchant, and following the prompts, you can use digital RMB to pay in the corresponding merchant APP.
The reporter found that after adding a digital RMB sub-wallet to Meituan, you can use digital RMB to pay for daily Meituan takeout orders.
Some merchants have also launched red envelopes for digital renminbi to attract consumer experience.
"The launch of the digital RMB (pilot version) APP is a major progress in the promotion of digital RMB." Wang Pengbo, a senior analyst in the financial industry of Broadcom Consulting, said that the "threshold" of the first pilot has been lowered - consumers in the pilot areas can open online The wallet participates in the pilot, which can include more users and regions to participate in the test, and the breadth of the test has been broadened.
Secondly, it also means that the digital renminbi pilot has entered the "full test" stage.
The wallets of the nine major operating institutions support opening at the same time, which shows that the application of digital renminbi has gradually matured, and the depth of testing may be gradually strengthened in the future.
In addition, the APP is more user-friendly in terms of application interface functions, and the user experience will be better, which lays the foundation for a more comprehensive pilot promotion in the future.
As WeChat, Alipay, etc. access the digital renminbi, the digital renminbi pilot will cover more users.
At the same time, the use of digital renminbi will also increase the stickiness of users of third-party payment platforms and Internet platforms.
After the launch of the digital RMB APP (pilot version), the enthusiasm for consumer experience is high.
Meituan officials revealed to reporters that after the digital renminbi (pilot version) APP was launched and the digital renminbi payment channel was opened in the Meituan takeaway scene, the number of new users who added digital renminbi sub-wallets on the Meituan platform rose sharply, and the APP was launched on the 3rd. The number of new users adding sub-wallets increased by an average of 18 times year-on-year, and digital RMB transaction orders and transaction amounts increased by about 15% year-on-year.
A relevant person from Meituan told reporters that the opening of digital renminbi payment in the takeaway scene will form a virtuous circle with the digital renminbi (pilot version) APP, and jointly promote the accelerated popularization and promotion of digital renminbi.
The data shows that the opening of digital RMB personal wallets has significantly accelerated.
According to the data released in the "White Paper on the Progress of Research and Development of China's Digital RMB", as of June 30, 2021, more than 20.87 million personal wallets have been opened.
The latest data shows that as of October 22, 2021, 140 million digital RMB personal wallets have been opened.
During the same period, the cumulative transaction of digital renminbi was significantly enlarged.
As of June 30, 2021, there were more than 3.51 million public wallets; by October 22, 2021, there were 10 million public wallets.
The cumulative digital renminbi transactions have increased from more than 70.75 million transactions and 34.5 billion yuan on June 30, 2021 to 150 million transactions and 62 billion yuan on October 22, 2021, with a rapid growth in transactions.
It can be seen that with the continuous enrichment of digital renminbi scenarios, the scale of transactions is rapidly expanding.
Industry experts believe that with the access of more and more high-frequency livelihood application scenarios such as Meituan Takeaway, the application ecology and transaction scale of digital renminbi are expected to be greatly improved, and digital renminbi will accelerate the expansion of application scenarios and integrate into people's lives. .