used to go out by walking or riding a bicycle, but now electric vehicles and cars have become popular, even in rural areas, cars can be seen everywhere. In the past, people used cash when they went out for shopping, especially those who worked outside during the Chinese New Year would bring home the money they saved during the year, but they often became the target of thieves. But now almost no one is going out with a large amount of cash, because it is not only inconvenient but also very unsafe. Nowadays, Alipay and WeChat are more widely used, and even thieves have been forced to reduce a lot. But now there are more convenient and secure payment methods, central bank has begun to act, is the QR code really going to be replaced?
QR codes are very common
Now mobile payment has become a very common payment method. People go out with a mobile phone, and mobile payment only needs to be operated with a mobile phone. Even if the mobile phone is accidentally lost or stolen, your money is still guaranteed, which is more secure than cash payment . Today, both WeChat and Alipay have more than 1 billion users, and the audience is very wide. In contrast, young people prefer to use Alipay, because the functions are more complete, and it also has functions such as Huabei, borrowing , etc. Older people like to use WeChat, and they can send red envelopes while chatting.
In fact, the scan we are familiar with is just one of the mobile payment methods, and now there are more advanced payment methods, such as face-swiping payment and non-sensing payment , no need to take out your mobile phone Payment can also be made. And the related technologies are already very mature, so there is no need to worry about security. Jack Ma also said that although QR codes have become popular, they will be eliminated one day.Now the central bank has taken action and launched a new payment method, which is the digital renminbi.
The digital renminbi was born.
As early as 2014, the central bank began to develop the digital renminbi. At the end of 2019, experiments were carried out in many cities one after another. People can receive a red envelope of 200 yuan in digital renminbi. Therefore, consumption can only be made at designated merchants cooperated by the central bank, but the response is generally good. Moreover, the digital renminbi is slowly covering many areas of life. Once it is vigorously implemented, it is believed that it will soon penetrate into our lives and become another powerful payment method to share the market with WeChat Alipay.
And the digital renminbi is used in several different ways, one of which is very similar to the mobile payments we use today. You can download a digital RMB APP on your mobile phone and use it. This digital renminbi can be bound to various consumption platforms, such as , JD.com, , Didi, etc. In the future, these platforms can directly use digital renminbi for payment.
advantages of digital renminbi
Compared with other payment methods, digital renminbi has many advantages, which is also the basis for digital renminbi to occupy the market in the future. The first is higher security, which is directly the transaction between money and merchants, so there is no need to worry about any accidents in the transaction. Moreover, the digital renminbi also has the characteristics of preventing it from being changed and copied, and it will not worry about the QR code being stolen like other payment methods. Even if the digital renminbi is stolen, it can be retrieved digitally very quickly.
Secondly, it is more convenient to use. In the past, you need to open the mobile phone, then open the payment software and scan the QR code of the merchant to pay.But using digital renminbi is different. You only need to touch the card to complete the payment. If the payment is made on the mobile phone, you only need to touch the back of the mobile phone with the merchant to complete the payment. The last advantage of
is that the digital renminbi will not be subject to the network. When using WeChat Alipay, an important premise is that you must be connected to the Internet and have a good signal, otherwise you will not be able to pay at all. If the network is not good, you can only wait, in case there is an urgent matter, it will be very delayed. But the digital renminbi is different. Since it is a currency in itself, it does not need to be paid by a third party at all. The digital renminbi uses short-range wireless technology. As long as the mobile phone has electricity, it can be used. No matter whether there is a network or not, it will not affect the speed of payment.
The digital renminbi has already been born, and it is only a matter of time before it enters the market, but in the end it is still a question mark whether it can completely replace other payment methods. Different payment methods have their own advantages, and people can choose according to their needs, just like even if mobile payment is convenient, cash still exists.
's constantly upgraded payment methods have greatly facilitated our lives, and only payment methods that are truly acceptable to the public can truly occupy the market. In the future, it is more likely that different payment methods will compete with each other and continue to upgrade, which is also a good phenomenon. Maybe there will be more advanced technology in the future. QR code is still the mainstream payment method and may be replaced, but it will take a long time.
