At the beginning of the new year, an important technological upgrading in the financial field has come!
On the first working day of 2022, the digital RMB app ushered in an important upgrade. Since then, the “beta version” has been officially upgraded to the “pilot version”. At present, users in the pilot area can register as white list users .
This is also the first time that digital RMB app has been put on the shelves in major app application markets.
From the reporter’s experience, the upgrade has optimized the visual interaction, functional process and scalability. At the same time, China Merchants Bank Co.Ltd(600036) and Weizhong bank have also been officially listed as digital RMB operators.
users in the pilot area
you can open your own digital RMB wallet
At the end of 2019, the digital RMB pilot test was launched in Shenzhen, Suzhou, xiong’an, Chengdu and Beijing Winter Olympic venues. By 2020, six pilot test areas will be added: Shanghai, Hainan, Changsha, Xi’an, Qingdao and Dalian. At present, the digital RMB has formed a “10 + 1” pilot pattern.
The pilot version of digital RMB app can be downloaded directly in the mobile application market, and the original beta version of digital RMB app can also be upgraded, which greatly improves the participation of digital RMB pilot app.
She Yunfeng, a mobile payment network, said that the update was a leap from internal test to pilot. Previously, there were more directional invitations. After this opening, users in the pilot areas can open digital RMB wallets by themselves. From the perspective of safety, it is more reasonable and standardized.
It is reported that both Android system and apple mobile phone support the pilot version of digital RMB app, and residents can download it in multiple app application markets. Through this upgrade, the digital RMB will usher in a new stage.
new upgrade of interface design
the biggest change in this upgrade comes from two aspects: the change of design concept and the increase of operators.
Great changes have taken place in the design concept of this upgrade. On the whole, the payment function of digital RMB is more prominent. At the same time, the merchant sub wallets previously distributed in each operator port are collected.
After entering the app, the page is divided into “home page, service and my information”, which is optimized and improved in terms of visual interaction, functional process and expansibility. The home page is still the digital RMB wallet page, which retains the previous classic design of sliding screen collection and payment, but highlights the “touch” and “sweep” functions more than before, and is displayed in the upper right corner of the page. The interface is also more friendly and in line with the visual user preferences.
In the service page, there are three functions: sub wallet, red envelope and paste one paste. Sub wallet is the main embodiment of digital RMB service function. Users can use digital RMB in the consumption scenario interface of relevant merchants by adding sub wallet, which has strong expansibility.
In addition, the app optimizes the personal account and security, privacy and other contents on the personal information page, and adds biometric information such as face recognition and fingerprint recognition. In the field of payment settings, you can set the biological payment function. At the same time, under the help and feedback column, you can have a timely interactive dialogue with customers and use pictures to feed back questions.
Another big change in this upgrade is the appearance of all nine operators, China Merchants Bank Co.Ltd(600036) and Weizhong bank.
The white paper on the research and development progress of China’s digital RMB shows that the digital RMB adopts a two-tier operation mode. The central bank is responsible for the issuance, cancellation, inter agency interconnection and wallet ecological management of digital RMB. At the same time, it carefully selects commercial banks with certain conditions in terms of capital and technology as the designated operating institutions to take the lead in providing digital RMB exchange services.
At present, digital RMB operators include the six major state-owned banks, e-commerce banks, Weizhong banks and China Merchants Bank Co.Ltd(600036) . Weizhong bank and China Merchants Bank Co.Ltd(600036) digital RMB wallet have not been activated before this upgrade. This upgrade means that China Merchants Bank Co.Ltd(600036) which is good at retail business and Weizhong bank, which is well-known for “micro loan”, are involved in the digital RMB test.
Previously, Bank Of Communications Co.Ltd(601328) cooperated with JD to attract residents to use digital RMB through the “red envelope” mode. It is reported that this design is also more concise, collecting the consumption scenes distributed under the pages of the nine operators.
the usage scenarios of digital RMB are becoming richer
While continuously improving app functions, digital RMB consumption scenarios are becoming richer and richer. The pilot version of digital RMB app divides consumption scenarios into shopping, travel, life, tourism and others. Jingdong Mall is the first merchant to pilot digital RMB consumption. On its shopping platform, residents can use digital RMB for consumption.
Suzhou, Shenzhen, Hainan, Shanghai and other places have promoted digital RMB by issuing red envelopes. Nowadays, the consumption scene covers many fields and is more colorful.
First, many governments promote the use of digital RMB in various fields.
At the end of last year, Shenzhen Futian District People’s government, Shenzhen Central Branch of the people’s Bank of China and Shenzhen Institute of financial technology signed the strategic cooperation framework agreement on promoting the construction of digital RMB demonstration zone. According to the agreement, the three parties decided to jointly build the first digital RMB demonstration area in Futian District, accelerate and optimize the construction of digital RMB financial infrastructure system, and explore the construction of digital RMB ecosystem.
Beijing Haidian District said that it will continue to focus on “scientific and technological innovation”, among which, it will carry out digital RMB promotion activities and continuously expand the application scenarios of digital RMB focusing on health and other fields.
Previously, the housing management center of xiong’an new area and China Construction Bank Corporation(601939) Hebei xiong’an branch successfully handled the first digital RMB payment of housing special maintenance funds in China.
China’s postal shopping mall micro official account has already supported the digital Renminbi payment method, and has paid ten percent off subscriptions by using the postal savings bank’s China digital wallet to subscribe to the “Reference News”.
Secondly, many financial scenarios also began to use digital RMB. At the end of last year, under the guidance of Dalian Central Branch of the people’s Bank of China, Dalian securities regulatory bureau and Dalian banking and Insurance Regulatory Bureau, Postal Savings Bank Of China Co.Ltd(601658) Dalian Branch, PICC Property Insurance Dalian branch and Anliang futures Northeast branch jointly completed the implementation of the country’s first “insurance + futures” project involving digital RMB.
The Beijing regulatory bureau of the CSRC and the Beijing Municipal Bureau of local financial supervision and administration announced the list of the first batch of 16 projects to be included in the pilot of financial science and technology innovation in the capital market, including the pilot of digital RMB application scenario Innovation in the securities industry.
(Shanghai Securities News)
