Before this year, most people may not have imagined that in addition to WeChat and Alipay, there will be a third mobile payment method in China, and now this new payment channel called digital yuan has been launched.
As the name suggests, the digital yuan is to digitize the currency, which is simply to exchange your own money into digital yuan, which is a bit like the same conversion method as the game hall to buy game currency, but the digital yuan is a real transaction currency, which is more convenient to use.
First of all, this type of digital yuan has opened 3.5 million trial operation outlets in China, almost all of which are distributed in 11 cities in China.
They are Shenzhen, Beijing, Suzhou, Zhangjiakou, Qingdao, Xiong'an, Dalian, Xi'an, Chengdu, Changsha and Shanghai.
According to the plan, these 11 cities will first carry out trial operation, and if the feedback effect is significant, then it will be promoted on a large scale nationwide.
On January 6 this year, major mobile phone software malls have been successfully launched, and residents of these cities can download and follow the operation to obtain and use the digital yuan.
Secondly, this kind of digital yuan has been supported by many parties, taking banks as an example, in addition to the Bank of China, the Agricultural Bank of China, the Construction Bank and the Industrial and Commercial Bank of China, there are also China Merchants, Transportation and Postal Services, a total of 7 major types of banks have announced access to operation.
That is to say, in the future, you can rely on cash or deposits to go to the bank to convert digital yuan.
Many people may say that now that the digital yuan has emerged, WeChat and Alipay will be completely replaced in the future, but this is not the case, and the digital yuan has been jointly accessed by WeChat and Alipay.
On January 6 this year, WeChat said that with the software upgrade, the digital yuan has successfully entered the WeChat Payment Mini Program, and only needs to bind the mobile phone number and identity information in the future to be used smoothly, and Alipay also has similar functions.
Maybe everyone doesn't quite understand that the digital yuan, as the third type of mobile payment means, is not a competitive relationship with WeChat and Alipay? Why is it still accessed by these two software?
Here is to introduce the characteristics of the digital yuan, simply put, the digital yuan is like a wallet bound to the mobile phone, there is no chat and entertainment function, currently only provide payment services, after setting up, just need to touch with the device that supports digital yuan payment can successfully complete the payment.
Compared with WeChat and Alipay, digital yuan does not need to click on the program, does not need to search for the payment interface, and does not need to enter the password, which is simply an extremely intelligent payment method, which is far more convenient than WeChat and Alipay, so it is mainly for middle-aged and elderly people who are not very good at operating mobile phones.
The two software of WeChat Alipay are mainly aimed at young people in comparison.
And it is worth mentioning that the digital yuan also has an advantage that WeChat and Alipay are difficult to match, that is, it can be paid without the need for a network.
WeChat Alipay payment needs to establish a connection with the bank account through the network, and then deduct funds, and the digital yuan is equivalent to withdrawing the money, just put it in the mobile phone, want to use a direct touch on it, do not need the intervention of the network at all.
Therefore, this payment method is more suitable for the elderly, and WeChat and Alipay access to such payment methods are also to expand the audience of their respective software.
By the end of October 2021, a total of 140 million people in China had begun to experience this method of networkless payment.
According to the payment regulations of the digital yuan, it is mainly divided into 4 types of wallets, the first type is a wallet without any transaction restrictions, while the second type is a wallet with a transaction limit of up to 50,000 yuan, the third type is a wallet with a transaction limit of up to 20,000 yuan, and the fourth type is a transaction limit of up to 2,000 yuan.
It only needs to be based on the degree of perfection of personal information, you can increase the type of wallet, so as to achieve the increase of transaction limits, very convenient and user-friendly.
At present, 43 large-scale service software such as Meituan, Baidu, Didi, Suning and Tencent Video can use the digital yuan normally, and the scale of domestic mobile payment will continue to expand in the future.
Middle-aged and elderly people, because they are not very good at fiddling with mobile phones and the Internet, so there is not much contact with mobile payment for a long time, and now that the digital yuan has been launched, they can also participate in the ranks of mobile payment in the future.
Do you have any different views on this convenient payment method?