The financial Associated Press reporter found today that the current number of downloads of digital RMB (pilot version) app has exceeded 20 million times, which is double that of 10 days ago (January 7). Many people from the scene side also told the financial associated press that since the launch of the digital RMB app, the push volume of digital RMB sub wallet has increased significantly, and the orders paid with digital RMB have also increased.
At the same time, the business model of the digital RMB industry chain has gradually become clear. The financial Associated Press reporter learned that in addition to the active participation of the scene party, some technology manufacturers are also increasing their efforts to participate in the development and upgrading of software and hardware related to digital RMB, and have formed a number of business models to provide technical support for the further promotion of digital RMB.
Some people in the industry believe that the launch of digital RMB app means that the test of digital RMB has entered a new stage. More and more participants have entered to provide technical and scenario support for the innovative attempts of digital RMB in various fields, which also makes full preparations for the large-scale promotion of digital RMB in the future.
Recently, the popularity of the digital RMB sector has not decreased, and the share prices of several concept stocks have continued to rise. Today, digital currency concept stocks reappeared the scene of collective soaring and large-scale trading limit, Beijing Certificate Authority Co.Ltd(300579) , Newcapec Electronics Co.Ltd(300248) , Synthesis Electronic Technology Co.Ltd(300479) and other concept stocks closed up 20%, and fintech ETF (159851) closed up more than 6%.
app downloads doubled in 10 days
As of the press time of the financial Associated Press, the number of downloads of digital RMB app in Huawei mall has reached 9.37 million times, with the largest number of downloads in the currently disclosed data app mall. The app mall of vivo mobile phone has downloaded 8.43 million times, the app mall of Xiaomi mobile phone has downloaded 4.07 million times, and the app mall of oppo mobile phone has downloaded 1.27 million times.
According to this calculation, in addition to Apple mobile phone, the number of digital RMB app downloads in the current mainstream mobile phone brand mall has reached 23.14 million times. On January 7, this data was only about 10 million times. This means that the number of digital RMB app downloads has doubled.
The download volume is not displayed in Apple App store, but the number of comments has reached more than 8000. Many netizens commented that they welcome and share the use experience, and many netizens look forward to "digital RMB can provide a better and safer payment experience".
"After the launch of the digital RMB app, you can clearly feel that more and more orders are completed with digital RMB." An insider from the scene side told the financial associated press that the number of sub wallets pushed to the platform has increased substantially almost every day, and more and more users use digital RMB settlement.
Meituan also released data recently. As of January 10, 2022, the number of users adding sub wallets to meituan app increased by 19.81 times on a daily basis in the first week of the trial version of the multi currency app; The average number of daily digital RMB transactions on meituan platform increased by 42.68% month on month compared with the week before its launch; The average daily RMB transaction amount of meituan platform increased by 64.41% month on month compared with the week before it was put on the shelves.
Wang Pengbo, senior analyst of Broadcom analysis, believes that the number of digital RMB app downloads has doubled in just 10 days, which shows that many rounds of digital RMB pilot in the early stage have been highly concerned by the majority of users. At the same time, the continuous entry of various scenes, especially the combination with some Internet scene businesses with strong field control ability, has made the use of digital RMB more convenient, which has contributed to the sharp increase in the download of digital RMB app.
Some insiders also 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, which paves the way for the use of digital RMB in the Winter Olympic scenario.
The financial Associated Press reporter learned that during the Winter Olympics, consumers at home and abroad can choose digital RMB app or digital RMB hardware wallet according to their own habits and preferences The "paste a paste" function in the digital RMB app can make the soft and hard wallets "interconnected" and manage the hardware wallets on the mobile phone. "Paste a paste" can read the device loaded with digital RMB hardware wallet. After turning on the mobile phone NFC function, keep the hardware wallet close to the mobile phone NFC area, and the mobile phone app can read the hardware wallet information. After "pasting", you can use the digital RMB app to set the payment password, recharge, query and withdraw the balance and transaction details of the hardware wallet.
the business model of the industrial chain is gradually clear
The financial Associated Press reporter learned that with the continuous promotion of digital RMB, although various institutions have been forming a clearer and clearer business model.
"Providing IT technical support for banks is one of the common business models in the current digital RMB business field." Chen Honghong, general manager of Shenzhou Fangyuan, a wholly-owned subsidiary of Digital China Information Service Company Ltd(000555) , told the financial associated press that for the implementation and promotion of digital RMB, banks need to build digital RMB related systems to carry digital RMB related businesses. For example, the exchange and redemption of digital RMB will involve the connection between the banking system and the central bank system. At the same time, many banks provide the function of using mobile banking to operate wallets, which requires the construction of IT systems. In addition, personal online banking, corporate online banking, ATM, counter and other systems also need to be transformed.
It is understood that many IT technology providers such as Digital China Information Service Company Ltd(000555) , Tansun Technology Co.Ltd(300872) , Newcapec Electronics Co.Ltd(300248) , Grg Banking Equipment Co.Ltd(002152) have publicly indicated that they have cooperated with banks to provide them with technical support for digital RMB.
Some insiders believe that in the deployment of the central bank, the digital RMB ecological construction involves a large number of infrastructure changes, which provides business opportunities for bank IT manufacturers. However, the current market competition in the construction of digital RMB system is very fierce, and the "ceiling" of business scale is obvious. Therefore, some enterprises involved in digital RMB earlier, such as Huawei, Digital China Information Service Company Ltd(000555) , Newcapec Electronics Co.Ltd(300248) , JD technology, have made layout in terms of smart contract, digital RMB ecology, etc.
Newcapec Electronics Co.Ltd(300248) in the previous announcement, the company said that at present, the company has built digital RMB projects for more than 10 colleges and enterprises such as Hainan University, Sanya University and Shanghai Dongyin center, and has established cooperative relations with five banks, UnionPay, China Mobile, telecom and China Unicom to provide services for Colleges, universities, K12, secondary vocational schools Enterprises and other business segments provide customers with overall solutions of payment platform and collection equipment to realize the transaction application scenario of digital RMB.
An insider who provides digital RMB technical support for banks and scene parties said in an interview with the financial associated press that this year, the company's key business is to develop digital RMB service models and smart contract services that can be changed into modules. For scenes and customers with different requirements on smart contracts, this modular smart contract service, These enterprises and platforms can easily connect and use digital RMB.
However, at present, most companies' digital RMB related businesses are still in the stage of R & D investment.
Newcapec Electronics Co.Ltd(300248) in the announcement on abnormal fluctuations in stock trading previously released, it is said that there are few pilot cities for digital RMB, which accounts for a very low proportion of the company's revenue. In the announcement on abnormal fluctuations in stock trading previously released by new country, it was pointed out that the digital RMB research group established by the company actively invested in R & D resources around the applications and products of digital RMB offline merchant payment scenarios. However, at present, the related businesses involving digital RMB applications have little impact on the company's performance, so investors should pay attention to investment risks.
