Industry analysts believe that the digital RMB (pilot version) app will greatly improve the application ecology and transaction scale of digital RMB. Looking forward to the whole year, digital RMB will continue to accelerate the expansion of application scenarios and deeply integrate into people's life.
"Sub wallet" covers eating, drinking and fun scenes
The digital RMB (pilot version) app has recently been opened for download in major app stores such as apple and Android. In the "10 + 1" pilot areas of Shenzhen, Suzhou, xiong'an, Chengdu, Shanghai, Hainan, Changsha, Xi'an, Qingdao, Dalian and Winter Olympic scenes (Beijing and Zhangjiakou), users can download and use the app without invitation code to experience the digital RMB.
As the reporter is an old user of digital RMB, after downloading the new app and logging in, many bank wallets have switched to the new app, and the page display and operation process have been optimized. If you are a new user who uses digital RMB for the first time, you can open the digital wallet by selecing the service provider after registration. When in use, the user only needs to pull down at the bank wallet to collect money, slide up to pay the merchant, or pay by "sweeping" or "pasting", which is easy to operate.
When consuming online, users can also use digital RMB to pay. Just click the "sub wallet" function of digital RMB, and then the merchant list will appear on the page. According to the reporter's statistics, as of last night, 53 merchants had been online on the sub wallet page, covering shopping, travel, life, tourism and other scenes.
Active experience and double the number of users on multiple platforms
Since the launch of the digital RMB (pilot version) app, in the software download evaluation of major app stores, most users expressed that it is "convenient, safe and smooth" after experience, and look forward to its promotion in the country.
"The payment experience is very smooth. The payment can be completed in less than two seconds. You can also pay in digital RMB for takeout!" Ms. Cheng, who lives in Chaoyang District, recently placed an order to buy vegetables from meituan platform through the app. She found that the experience of "dro-down collection and slide up payment" is better than other software.
The digital RMB app (pilot version) has been online for 5 days, and consumers are enthusiastic about the experience. Meituan said that as of January 10, the average number of users adding sub wallets to meituan app had increased by 19.81 times compared with the week before the launch; The number of daily digital RMB transactions and daily digital RMB transaction amount on meituan platform increased by 42.68% and 64.41% respectively compared with the week before the launch. According to the data provided by JD, the number of users Pushing Digital RMB wallet increased by more than 10 times and the peak increased by more than 20 times every day after the app went online.
"The launch of 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 pilot has been reduced, and consumers can open wallet participation online, which can include more users and regions to participate in the test, and the test breadth has been widened, which also means that the digital RMB pilot has entered the "full test" stage.
Scenes such as winter Olympics government affairs are accelerating
As the opening time of the Beijing Winter Olympic Games is getting closer and closer, the laying of digital RMB has attracted much attention. It is understood that the pilot of digital RMB Winter Olympic scenario will focus on the areas within the Winter Olympic security red line, with the main goal of ensuring and facilitating the payment choices of consumers at home and abroad. Consumers at home and abroad can independently choose digital RMB soft wallet in the form of mobile app or digital RMB Hard Wallet without relying on mobile phone according to their own habits and use preferences.
Not only the retail and Winter Olympics scenes, but also the "new" e-government scenes of digital RMB frequently: Bank of Communications Shanghai Branch, together with Shanghai Pudong New Area employment promotion center and relevant streets, recently issued digital RMB employment subsidies to help the people; Xiangcheng District Court in Suzhou, Jiangsu Province recently realized the payment of litigation fees in digital RMB, which improved the efficiency of handling cases and the standardization of case fund management.
Under the "full flowering and key promotion", the application scenarios of the digital RMB pilot have become increasingly rich, and the transaction scale has increased steadily. Looking forward to the follow-up, Su Xiaorui, a senior analyst at Analysys, predicts that while the capacity of digital RMB continues to expand in the pilot areas, more users will open and use digital RMB wallets, and the application scenarios of digital RMB are expected to be richer. From the original pilot of small retail, it will be extended step by step to large-scale payment, cross-border payment and other fields
