The digital yuan pilot has made significant progress. On January 4, the Digital Yuan (pilot version) app was updated to major app stores. Nandu reporter test found that the latest version of the Digital Yuan (pilot version) App has been opened for download in major app stores for Android and Apple mobile phones.
According to the official introduction, the Digital Yuan (Pilot Edition) App is China's legal tender digital currency - the official service platform for the pilot of digital yuan for individual users, providing the opening and management of digital yuan personal wallets, and the exchange and circulation of digital yuan. The digital yuan is still in the routine testing stage of the R&D process, and the whitelist users who operate in the pilot areas and pilot scenarios can register for the digital yuan app. In terms of pilot areas, the digital yuan has formed a "10+1" pattern, including Shanghai, Shenzhen, Dalian, Xi'an, Qingdao, Changsha, Suzhou, Chengdu, Hainan, Xiong'an New Area and the Beijing Winter Olympic venues (including Beijing and Zhangjiakou).
Previously, in the digital yuan pilot activities in various places, whitelist users needed to install the App by obtaining the exchange code and installing the package, and the installation steps were long, the operation was complicated, and it could not be downloaded and used repeatedly. This time, it was listed as a digital rmb app in the app store, which improved the user experience. The open download of the digital yuan has promoted the popularization of the digital yuan and improved the convenience of the use of the digital yuan.
Wang Pengbo, a senior analyst in the financial industry of Broadcom Analysis, said, "It can be said that this revision belongs to the major progress in the process of promoting the digital yuan, which is listed in all application markets and piloted for users in pilot areas, indicating that the breadth of testing is deepening; the application interface function has also become more humane, which will make the user's experience better, laying the foundation for more comprehensive pilot promotion in the future, especially the upcoming Winter Olympics scene; it also proves from the side that the institute pays more attention to the operation of the App." ”
Pan Helin, member of the Information and Communications Economic Expert Committee of the Ministry of Industry and Information Technology and executive dean of the Digital Economy Research Institute of Zhongnan University of Economics and Law, also pointed out that the key difficulty in the promotion of the digital yuan lies in the popularity, and to improve the popularity needs to break through two obstacles, one is the communication channel, the current smart phone App is the best communication channel, through an App bound to all digital RMB application scenarios, it is more convenient for users to obtain; the second is ease of use, the more simple the payment App, the more popular it is in society. This is also the advantage of mobile payment over traditional payment methods such as credit cards in the past. In his view, the current digital yuan App has achieved a breakthrough in the above two aspects, "Of course, there are still more restrictions at this stage, such as designating pilot areas, white lists, etc., but by listing in the application market, it has brought a lot of expectations to the people of the whole country." ”
According to the Digital Yuan (Pilot Edition) App page, there are nine operating institutions that users can choose from, including Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank, MYbank, WeBank and China Merchants Bank. In this regard, Wang Pengbo also analyzed that "the wallet of the nine major operating institutions at the same time supports the opening of a bright spot, indicating that the application of the second layer has become more and more mature, and the next test depth may gradually strengthen." ”
Written by: Nandu reporter Xiong Runmiao
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