In the process of the continuous development of the times, there are many new things, mobile payment is one of them, with mobile payment after people's lives ushered in a huge change, the cash era is gradually far away from us, the future for a long time, mobile payment will inevitably become people's most important payment method. In order to enhance the competitiveness of the market and avoid the monopoly of the market, the state decided to develop new payment methods.
▲Alipay
Digital currency
We all know that mobile payment now occupies the entire market, the scope of use includes large enterprises and small merchants and hawkers, the vast majority of people in the country are mobile payment users, many people have begun to predict that mobile payment will gradually replace cash, according to the current momentum, mobile payment does pressure cash, the use of cash people are becoming less and less, in such a fast-paced era, mobile payment can be more integrated into people's lives.
The most important thing in mobile payment is scan code payment, which is far more popular than face brush payment, because scan code payment is more rapid and convenient. We all know that WeChat or Alipay need to bind the bank card in advance, whether it is scanning the code or brushing the face to pay, it is necessary to deposit funds into the card in advance and then use it. The central bank has also begun to introduce new payment methods, which appear in the form of digital currencies, also known as digital yuan. Compared with our commonly used mobile payment methods, the digital yuan is directly reflected in the form of currency, and it is not necessary to transfer funds to the bank card for payment in advance like Alipay or WeChat, but can be used directly, and this payment method has begun trial operation in many regions of the country.
▲Digital yuan
As early as 14 years ago, a special team conducted research on the digitization of the renminbi, and after years of research, the digital renminbi finally appeared in front of everyone's eyes.
Advantages of digital currencies
Since the central bank has launched a digital currency, it must have its own unique advantages, and the advantage of digital currency is that it does not have to bind bank cards like WeChat or Alipay, and can only be used after the funds are transferred, but can be used directly, which has the same nature as the banknotes we usually use, in other words, the digitization of paper money. The most important thing is to use WeChat or Alipay to pay, if the mobile phone is in an area with a poor signal, there may be no payment situation, the digital yuan does not have such a problem, payment can be made anywhere, not affected by the mobile phone network signal.
Wang Xing, Liu Qiangdong support
Digital currency has cooperated with the two major platforms of JD.com and Meituan, and this payment model has also been strongly supported by Wang Xing and Liu Qiangdong, and many people will wonder why they do not cooperate with Ma Yun and Ma Huateng?
▲Liu Qiangdong
Where does Jack Ma Go
Ma Yun's Ali and Ma Huateng's Tencent have always occupied the main market in terms of mobile payment, and the payment model of general enterprises is difficult to pose a threat to these two major enterprises, and the digital currency launched by the central bank is officially in order to compete with Alipay and WeChat to avoid the entire market being divided by these two major enterprises, while digital currency can promote the development of the market economy, and cooperation with JD.com and Meituan can maintain the overall competitiveness of the market. At this time, Ma Yun and Ma Huateng should be more anxious, and what needs to be done next is to conform to the trend of the times and open a digital currency on the basis of the original, so as to continue to develop. In fact, Tencent has already announced that alipay is asynchronous, announcing that it can provide users with digital currency payments, as long as WeChat users register with WeBank in real name, they can directly use digital yuan in WeChat Pay.
epilogue
In general, the emergence of digital currencies is not to replace Alipay and WeChat, but to embody cash in another way, and it is also an attempt at new payment methods.