QR code payment is a new generation wireless payment solution based on the account system. Under this payment scheme, merchants can compile transaction information such as account numbers and commodity prices into a two-dimensional code, and print it on various newspapers, magazines, advertisements, books, and other media.
However, in the past two years, QR code payment is gradually being replaced, showing a state of being eliminated.
scan code payment is eliminated: the elimination of new payment methods and code scanning guns
scan code payment is mainly due to the emergence of new payment methods, such as non-inductive payment designed in parking lots, highway intersections, gas stations, etc. A big blow to code payment;
, in addition to face payment, fingerprint payment, and other payment methods that rely on biometric technology , have gradually become a trend, and have been installed in large shopping malls and large shopping supermarkets, which greatly improved The consumer's shopping experience.
For consumers, the traditional form of relying on themselves to scan the QR code of merchants has gradually been replaced by new scanning payment tools such as code scanners and code scanning boxes. In addition to the popularity of password-free payment, consumers scan Codes are no longer common in urban areas.
It can be said that compared with the past, the market share of QR code payment has indeed dropped a lot. Of course, this is all due to people's endless pursuit of convenient life, and businesses have found business opportunities.
Digital RMB pilot project in Suzhou: 20 million red envelopes
Another thing worthy of attention is the progress of my country's digital RMB. Although news of pilot projects in Chengdu, Shenzhen, Xiongan and Suzhou have been reported, it has not yet been officially popularized nationwide. .
Since the central bank issued 10 million red envelopes in Shenzhen for testing in October this year, the central bank issued another 20 million red envelopes in Suzhou in December to help the Suzhou Double 12 Shopping Festival.
The central bank promotes the digital renminbi not because it has discovered business opportunities, but because of the trend of the international community. This is also a measure that has to be taken for the benefit of the people. After the
digital renminbi is promoted to the national
digital renminbi, it is difficult to see cash in the market. On the one hand, the central bank will take back the cash, and on the other hand, it will not issue currency anymore, but manipulate a series of numbers through computers.
Under such a trend, wages, taxes, loans, etc. will all be carried out in the form of digital renminbi. The only thing that can be determined is that this time the digital renminbi is the same as before. It is also issued by the central bank to major commercial banks. Help to implement digital renminbi. After the completion of the four pilot cities, the implementation of digital renminbi nationwide next year is an unstoppable trend. I wonder if everyone can adapt to this new currency form.
Dispute between digital renminbi and Alipay and WeChat
The most discussed digital renminbi is the elimination of Alipay and WeChat. The reason is that digital renminbi also has its own payment methods and channels, and does not require the Internet, which is safer than WeChat and Alipay. Much.
A few years ago, Tencent and Alibaba expressed concern about the emergence of new currencies. I think they knew that the central bank was studying the digital renminbi. Their worries were not without problems. The emergence of
digital renminbi will be a heavy blow to WeChat Pay and Alipay. It is certain that the offline market is like this. Considering the popular shopping festivals such as Double Eleven, Double Twelve, and Jingdong 618, the probability of being eliminated will decrease. To the least. Especially on Tencent's side, everyone is grabbing red envelopes during the New Years.
To sum up about QR code payment, whether digital RMB or WeChat Alipay, there is still a long time to rely on it. There are still many places in the suburbs, counties, and townships that can be used. On the contrary, face payment, fingerprint payment Such advanced scenes can make people uncomfortable.
In terms of payment methods, Tencent and Alibaba have to prepare for the worst. Digital RMB apps must be used by everyone, and the number of users is no less than WeChat’s 1.2 billion people.
, as some netizens said, you can directly use digital RMB to pay, why should you switch to WeChat to use WeChat payment? Also risking information leakage.
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