The number of downloads of the digital RMB App has exceeded 11 million times
The number of downloads of the digital RMB App has exceeded 11 million times. Since last year, the participation team of the digital RMB has been continuously expanded. The cumulative number of downloads in various application markets is nearly 25 million. The digital RMB App has reached more than 11 million downloads. Digital RMB App has been downloaded more than ten million times. 1
Since the digital RMB (pilot version) App was officially put on the shelves on October 4th, as of October 24th, the number of downloads in less than one month has exceeded ten million times. Digital RMB officially started the full-scale test, and the digital RMB experience boom was set off all over the country.
Recently, Meituan, JD.COM and other scene support organizations have launched new innovative applications of digital RMB, which can purchase movie tickets and pay by mobile phone, further enriching the application scenarios and payment methods.
Wang Pengbo, a senior analyst in Broadcom's analytical finance industry, told the Securities Daily reporter that the number of users of digital RMB has increased rapidly after it entered the full-scale testing stage, and the number of users will increase exponentially in the future. At the same time, more application scenarios and payment methods serving the real economy and people's lives will also appear, and the digital RMB ecology will be further enriched.
Application payment scenes frequently appear
On October 21th, Meituan announced the opening of digital RMB payment channel for movie performance scenes. Residents in Beijing, Shanghai, Shenzhen and other pilot areas can book movie tickets on Meituan platform with digital RMB, and enjoy the discount of digital RMB viewing package. It is understood that this is the first time that the digital RMB has been connected to the movie performance scene, and it is also another new measure for the digital RMB pilot to settle down the lives of the people and stimulate the enthusiasm of all parties in the industry.
The relevant person in charge of Meituan told the Securities Daily reporter that this move aims to combine the digital RMB with the Spring Festival movie market, so that more users can feel the value of digital RMB, and at the same time, the popularity of digital RMB can boost the activity of the Spring Festival movie market and help the movie market recover.
In addition, JD.COM has also explored payment methods. JD.COM App has added a new special payment method, and users can experience paying with digital RMB "hardware wallet" in JD.COM. JD.COM has also become the first online consumption scene in China that supports digital RMB "hardware wallet".
it is understood that when users buy self-operated goods in JD.COM App, they can read the digital RMB "hardware wallet" for payment by simply selecting the "swipe card payment" function in the payment link, which takes the same time as ordinary payment methods. At present, this function has been opened to users in some pilot cities, and can support most mainstream Android models equipped with NFC function on the market.
Pan Helin, member of the Expert Committee on Information and Communication Economy of the Ministry of Industry and Information Technology and executive director of the Digital Economy Research Institute of Zhongnan University of Economics and Law, told the Securities Daily reporter that JD.COM used the "hardware wallet" technology to expand the application scenarios of digital RMB, and integrated the digital RMB technology with its own payment scenarios to achieve scene binding, which not only expanded its own applications, but also promoted the integration of digital RMB and scenarios. At present, the use of hardware wallets is mostly offline, and offline hardware wallets can also complete online payment through the online application of post-it-yourself payment. However, while affirming, we also hope to set up more payment guarantee functions. A large part of hard wallets are used by the elderly, and more trade-offs need to be made between their convenience and security.
The pilot of digital RMB is intensive
In the past two years, the pilot of digital RMB has been promoted smoothly and orderly. A few days ago, at the press conference on financial statistics in 2121 held by the State Council Office, Zou Lan, director of the Financial Markets Department of the People's Bank of China, revealed that "as of February 31, 2121, there were more than 8,185,111 pilot scenarios of digital RMB, and a total of 261 million personal wallets were opened, with a transaction amount of 87.565 billion yuan."
At present, the People's Bank of China has carried out digital RMB pilot projects in Shenzhen, Suzhou, Xiong 'an, Chengdu, Shanghai, Hainan, Changsha, Xi 'an, Qingdao, Dalian and the 2122 Beijing Winter Olympics, covering basically the Yangtze River Delta, Pearl River Delta, Beijing-Tianjin-Hebei, central, western, northeast and northwest regions.
since the beginning of this year, the digital RMB pilot has become more and more intensive, and it has entered the stage of "full-scale testing". On October 4th, after the digital RMB (pilot version) App was put on the shelves, as of October 24th, the number of downloads of the digital RMB (pilot version) App in Huawei's application market has soared from "less than 11,111 times" on the first day of its launch to "over 9.7 million times". The download volume of Xiaomi application market has exceeded 4.4 million times. In other words, the digital RMB application has been online for less than one month, and the download volume has exceeded 11 million times.
It is also worth noting that the upcoming Beijing Winter Olympics will be an important test scenario for digital RMB. The business management department of the People's Bank of China pointed out in the 2122 working conference held on October 1 that the pilot project of digital RMB Winter Olympics achieved full coverage of seven scenes, and three large-scale digital RMB pilot activities were carried out, with 413,111 landing scenes and a transaction amount of 9.6 billion yuan.
Su Xiaorui, a senior analyst at Analysys, said in an interview with Securities Daily that the Beijing Winter Olympics, as the first pilot scenario in the digital RMB project, has gone through many related tests and accumulated a lot of preliminary experience; At the same time, a large number of excellent operating institutions and supporting institutions have joined in, which provides guarantee for the work related to digital RMB in the Winter Olympics.
China Merchants Securities pointed out in the research report that after the promotion of the Beijing Winter Olympics, the digital RMB will be further familiar to the market, and its industrial chain enterprises and traditional banking industries will benefit from it. On the one hand, digital RMB hardware equipment manufacturers will benefit from the market opportunities brought by digital RMB hard wallet, while software developers will benefit from the business growth brought by the upgrading of domestic and foreign banking systems; On the other hand, the cross-border application of digital RMB will also benefit the traditional business of banks through "spillover effect", with retail payment, foreign currency exchange and cross-border remittance bearing the brunt. The number of downloads of digital RMB App has exceeded 11 million times. 2
Since last year, the participation team of digital RMB has been expanding. In addition to the first state-owned banks that opened digital RMB-related functions, city commercial banks including Shanghai Bank and Xi 'an Bank also expanded their digital RMB application functions in the second half of the year.
"The pilot has effectively verified the technical design and system stability, product usability and scenario applicability of digital RMB business, and enhanced the public's understanding of the design concept of digital RMB." Zou Wei said.
By visiting some outlets, the reporter found that many banks have issued different levels of index tasks. "It is not convenient to disclose the specific index tasks, but we are promoting the application of opening digital RMB wallets to customers." A bank employee in East China told China, a brokerage firm.
The number of personal wallets opened has accelerated
"By February 31, 2121, there were more than 8,185,111 pilot scenarios of digital RMB, with a total of 261 million personal wallets opened and a transaction amount of 87.565 billion yuan." On October 8, the State Council held a press conference on the financial statistics in 2121, which was revealed by Zou Lan, director of the financial market department of the central bank.
According to Zou Lan, at present, the People's Bank of China has carried out digital RMB pilot projects in Shenzhen, Suzhou, Xiong 'an, Chengdu, Shanghai, Hainan, Changsha, Xi 'an, Qingdao, Dalian and the 2122 Beijing Winter Olympics, covering basically the Yangtze River Delta, Pearl River Delta, Beijing-Tianjin-Hebei, central, western, northeast and northwest regions.
"The pilot has effectively verified the technical design and system stability, product usability and scenario applicability of digital RMB business, and enhanced the public's understanding of the design concept of digital RMB." Zou Lan said at the meeting.
in fact, on October 4th this year, the digital RMB (pilot version) was launched in several mainstream application markets, and qualified users can directly search and download it in the adaptation app store, which is much simpler and more direct than the complicated operations such as people in the pilot area trying to obtain relevant redemption codes.
in just half a month, the cumulative number of downloads in various application markets is nearly 25 million. Specifically, for example, the number of downloads in Xiaomi application market has exceeded 4.2 million, and the number of downloads in Huawei application market has exceeded 9.5 million.
The promotion of digital RMB is more active
By visiting some outlets, the reporter found that in fact, some banks, especially state-owned banks, are more active in promoting digital RMB. Compared with the closed-door internal testing or small-scale whitelisting of some banks earlier last year, many banks have issued different levels of indicator tasks. "The specific indicator tasks are not convenient to disclose, but we are promoting the application of digital RMB wallet to customers." A bank employee in East China told China, a brokerage firm.
Zou Lan also said at a recent press conference that in the next step, the central bank will continue to steadily promote the pilot research and development of digital RMB in accordance with relevant arrangements, and further deepen the pilot use of digital RMB in retail transactions, living expenses, government services and other scenarios. "The pilot research and development of digital RMB will be aimed at serving the real economy and people's lives, so that more enterprises and individuals can feel the value of digital RMB and fully stimulate the enthusiasm of all parties in the industry." It represents.
From the situation of stock banks, the reporter learned that most of these banks have not started large-scale work related to digital RMB. However, some banks have started to recruit personnel for related positions such as digital RMB operation management, product design and scenario development, and there are also rumors that relevant teams will be formed soon.
on the whole, the whole industry is still actively preparing for the digital RMB. "Many people in our implementation are not very clear about the progress of digital RMB and the specific scenarios that can be applied in the future." A person from a city commercial bank told reporters that at present, the bank is also watching the progress of related actions of large banks and keeping learning. "The bank is also actively organizing learning conferences of popular science nature to improve the understanding of all employees."
Public awareness needs to be improved
Whether it's the digital RMB red envelopes distributed to local citizens in some places or some feedback from pilot merchants, the whole market is full of reverie about the application space of digital RMB and personal wallets.
as an important driving force of global economic growth, digital economy has also become the focus of public attention. Yi Gang, governor of the central bank, said that the research and application of legal digital currency is conducive to efficiently meeting the public's demand for legal tender under the conditions of digital economy, improving the convenience, security and anti-counterfeiting level of retail payment, and boosting the development of China's digital economy.
At present, the digital RMB is still confined to the pilot activities, not fully rolled out, and the public's awareness is low. Some interviewees even told reporters that the digital RMB red envelopes they received have not come in handy because they don't understand the consumption scenes and methods of digital RMB.
some market analysts said that China's digital RMB is still in the initial stage of development, and it still takes time to mature its application and expand its application scenarios on a large scale. On the one hand, more real users are needed to test the application scenarios, experience and bearing scale of digital RMB. On the other hand, at the level of banks and non-bank payment institutions involved in circulation, their business access needs to be matured and subdivided. In addition, it takes time and cooperation from various institutions to improve the acceptance of digital RMB by merchants and consumers. Digital RMB App has been downloaded more than 11 million times. 3
On the occasion of welcoming the good news of orderly recovery of production and life order, all Xi 'an citizens are about to usher in a wave of "digital RMB red envelopes"-Meituan, together with China Bank, China Construction Bank, Agricultural Bank, Postal Savings Bank and other designated operators of digital RMB, will launch the theme activity of "Fighting the epidemic to help people return to work" in Xi 'an on October 25th, and distribute digital RMB red envelope subsidies to the public.
It is understood that the theme activity of "Fighting the epidemic situation and helping to return to work" in digital RMB was jointly conducted by Xi 'an Branch of the People's Bank of China, Xi 'an Financial Work Bureau and Xi 'an Municipal Bureau of Commerce. Earlier, the relevant authorities of the central bank said that the pilot research and development of digital RMB should be aimed at serving the real economy and people's lives, so that more enterprises and individuals can feel the value of digital RMB and fully stimulate the enthusiasm of all parties in the industry.
The reporter learned from Meituan that the event will be held from October 25th to February 28th. All Xi 'an residents can search for "digital RMB" through Meituan App to participate in the event, and receive a red envelope of RMB 11 and a coupon package for 35 yuan Minsheng, which can be used in fresh fruits and vegetables, daily necessities, food and beverage take-out, and * * * travel enjoyment. It is worth noting that this activity innovatively uses digital RMB to load smart contracts with specific functions to realize the accurate distribution and consumption of subsidy funds in the people's livelihood field. It is a deep integration of digital RMB pilot and helping to resume work after the epidemic, which has good social significance and pilot significance.
Xi' an is the second batch of pilot areas of digital RMB in China, with an active ecological application of digital RMB and a good foundation. The reporter learned from the relevant staff of Xi 'an Branch of the People's Bank of China that the theme activity of "Fighting the epidemic situation and helping to return to work" in digital RMB will effectively exert the hard power of digital economy and financial technology, accurately promote the recovery of the real economy in the people's livelihood field, and accelerate the restoration of normal social production and living order. Previously, the digital RMB smart contract function has also been successfully applied in many fields, such as employment subsidies, lease fund supervision, and photovoltaic settlement.