At the beginning of the new year, new news came one after another from the digital RMB pilot. Following the official launch of the pilot version of the digital RMB app in major application markets, on January 5, a reporter from the Beijing Business Daily found that when residents in the National Digital RMB pilot areas ordered takeout in the meituan app and meituan takeout app, they could already pay for meals in digital RMB.
This is also the re expansion of digital RMB in the livelihood scene of "food, clothing, housing and transportation". Meituan related people confirmed to the Beijing Business Daily that at present, Beijing, Shanghai, Shenzhen, Chengdu, Xi'an, Suzhou, Changsha, Dalian, Qingdao, xiong'an new area, Zhangjiakou Hainan Province (Haikou City, Sanya City, Sansha City, Danzhou City, Wuzhishan City, Wenchang City, Qionghai City, Wanning City, Dongfang City) and other pilot areas have supported digital RMB point takeout. In addition, Beijing, Shanghai and Shenzhen have also opened the meituan shopping scene.
How to operate? Beijing Business Daily reporter experience found that there are three steps. First, users need to download and install the "digital RMB" app and open the digital wallet of the operating organization; Then click "sub wallet" - "add sub wallet" - "meituan" to push the sub wallet to meituan app; Finally, when meituan pays for takeout orders, it can choose to pay in digital RMB.
This is also the first important action of digital RMB scenario support institutions since the pilot version of digital RMB app was officially launched in major application markets. It is worth mentioning that users can enjoy the full scene red envelope discount of digital RMB while feeling the new payment experience.
At the end of 2021, meituan announced to further expand the carbon neutralization pilot of digital RMB. Anyone who participates in green and low-carbon consumption in meituan can receive corresponding digital RMB low-carbon rewards. Whether it is ordering takeout, buying fresh food or buying e-tickets online, reducing paper and plastic for train tickets, as long as it is recognized to have green and low-carbon consumption behavior, it will be able to obtain digital RMB cash back.
"This is a win-win situation." China Everbright Bank Company Limited Co.Ltd(601818) Zhou Maohua, macro researcher of the financial market department, commented that the combination of digital RMB and meituan takeout scenario will help enrich the application scenario of digital RMB, let people personally experience the convenience and quickness of the use of digital RMB, and help promote the use of digital RMB; At the same time, let more consumers who have opened or newly opened digital RMB experience the relevant services of meituan takeout, which will help meituan expand its business; From a broader perspective, the deep integration of digital RMB and various economic activity scenarios will bring new development space for various fields of digital economy.
Wang Pengbo, a senior analyst in the financial industry, also said that there is no doubt about the users and stickiness of meituan. The promotion of digital RMB in this way is good for popularity and larger-scale testing. The digital RMB pilot app has just been revised and put on the shelves, paying more attention to the user's operation and experience. Meituan has made a win-win start. While increasing the viscosity of its users, there will be a preemptive use scenario of digital RMB, which in turn will increase the use frequency and transaction scale of digital RMB.
Meituan's performance report for the second quarter of 2021 shows that the average number of daily transactions of meituan's catering takeout reached 38.9 million. Some insiders believe that the official launch of the digital RMB app marks that the exploration of digital RMB has entered the full test stage to some extent. With the access of more and more UHF livelihood application scenarios such as meituan takeout, the application ecology and transaction scale of digital RMB are expected to be greatly improved at this stage.
Beijing Business Daily reporter noted that, in addition to the US group, at present, including ants, Jingdong, Ctrip, drops, Kwai and other Internet giants, also in the digital RMB pilot action. For example, during the "double 11" period this year, JD technology, together with China China Construction Bank Corporation(601939) , issued a large wave of digital RMB red envelopes to users in more than 10 cities such as Beijing, Shanghai, Shenzhen, Dalian, Xi'an and Chengdu, and supported the experience of shopping with digital RMB during JD's "double 11" period for the first time; In addition, in the previous "May 5th Shopping Festival", Ctrip participated in the pilot activities of digital RMB to promote the pilot implementation of digital RMB in the tourism consumption scene.
In the view of the industry, Internet giants have their own consumption scenarios, with many sticky users. In addition, they also have technical advantages to understand the real needs of relevant partners, so it is convenient for the promotion of digital RMB. Follow up, by the power of "Internet plus", can quickly and effectively infiltrate the digital RMB into the everyday life of people in various scenes, and promote the establishment of green value realization of the city's path. However, while promoting the pilot of digital RMB, consumers should also be reminded to beware of new "digital currency" fraud.
It can be predicted that in the future, the scope of digital RMB pilot areas will continue to expand, the scene types will be richer, and the digital RMB related ecology will be more perfect. As Zhou Maohua said, at present, the digital RMB is still in the calculation stage, but in recent years, the digital RMB technology is basically mature, the pilot scope is expanding, and the pilot scene coverage is becoming wider and wider. Looking forward to the follow-up, the digital RMB will penetrate deeper and wider into various scenes of people's livelihood. In addition to participating institutions, there will be more and more consumers Businesses have a deeper understanding of digital RMB, and can also use and innovate business models to provide convenient, fast and efficient experience for consumers and businesses on the basis of ensuring security and privacy.
"The promotion of the digital RMB pilot project is far beyond the market expectation. I would like to praise the participating institutions. However, at present, the way to bind the digital RMB wallet needs to be simplified. How to make users use the digital RMB more conveniently is the next direction that can be discussed. In addition, in the follow-up scenarios, I think we should mainly focus on the small and high-frequency scenarios of clothing, food and travel, Ken There will certainly be more specific related products designed around the digital RMB pilot. " Wang Pengbo said.
(Beijing business daily)
