statement: original is not easy, it is forbidden to move, offenders must be investigated!
Alipay, established in 2003, has greatly solved online transaction problems. With the development, it has already occupied half of the payment market. Domestic Alipay is prevailing, but the central bank has officially "made a move". The birth of this product may shake the status of Alipay.
New payment methods are on the rise
Jack Ma, who once wanted to change the bank, may have to be changed by the bank this time. This year, a digital renminbi has begun to enter our sight. In October this year, the Shenzhen area had already started testing, and it came with full sincerity.
uses lottery to download the digital RMB APP and get a red envelope of 200 yuan. Just recently, another city in China has become a test point for the digital renminbi after Shenzhen.
carried twice as many red envelopes as Shenzhen, with 20 million digital RMB red envelopes. In just two months, two domestic cities have entered the testing phase, which also means that the digital renminbi is getting closer and closer to us. What exactly is this emerging product of
digital renminbi? It also has another title, which is electronic renminbi cash. This is easy to understand, there is no difference between digital renminbi and renminbi cash, that is, one exists in physical form and the other exists in electronic version. The
digital renminbi is issued by the central bank, which has the same authority as the renminbi. It is endorsed by a bank, and no payment place can refuse to accept cash. Digital RMB also has this status.
As the digital renminbi begins to be tested in various cities, this also means that it is only a matter of time before the digital renminbi is popularized nationwide. As a new payment method, it may be a new challenge for Alipay, which is currently prevailing in the market.
Alipay's status shaken?
Today's Alipay is suitable for any scenario, whether it is online or offline, you can use Alipay to pay. It can be found that in our lives, Alipay payment has become the mainstream payment method for people.
As for the digital renminbi issued by the central bank, this new payment method must enter the market. Why does it affect the status of Alipay? It can only be said that the digital renminbi does have certain strength.
We know that Alipay was just established just to support online payment, but after that, offline payment has also begun to be widely used. There are two important factors.
Compared with cash payment, Alipay payment is much more convenient, and payment can be completed without carrying cash. Payment is simplified. The other is because all scenarios support Alipay as a payment method, which also brings convenience to users.
However, for these two advantages, the digital RMB has both. It can be said that the functions of Alipay are also available in the digital RMB. Not only that, the digital renminbi is better than blue. On this basis, it also has these major advantages, which Alipay does not have.
1, the operation is more convenient. Alipay is a third-party mobile platform that requires an account and bank card binding. Unlike digital RMB, there is no need to open an account, let alone bind a bank card. Only the mobile phone can download the digital RMB app.
2, supports dual offline payment. First of all, in terms of payment, the payment method of digital renminbi is very simple to pay up and down to collect. Secondly, there is a "touch" function, even if your mobile phone is not connected to the Internet, you can still complete the payment.
Whether your mobile phone has no network or the merchant’s mobile phone has no network, you can use digital renminbi to complete the payment. Just touch the two mobile phones to complete the transaction. This is also a highlight of the digital renminbi, dual offline payment.
written at the end of the
digital renminbi popularized nationwide is only a matter of time, and this day will not be too far away. With these advantages, it can be said to be very eye-catching. This time the central bank has officially “made a move”,Paying for this field will once again usher in "shuffle".
If the digital renminbi is here, will you choose the digital renminbi or use Alipay as always?
