Alipay and WeChat are commonly used now. But there is news that Alipay WeChat payment will be replaced? The central bank has now accelerated its promotion, which is being used in many fields. Nowadays, with the rise of mobile payment platform, we use WeChat and Alipay more and more times. It is reported that by the end of the third quarter of 2020, the number of active accounts among WeChat users has exceeded 1, 2 1 .300 million, and Alipay has also exceeded 7 1,1100 million, which shows how much changes and influences these two mobile payment platforms have brought to people's lives.
However, when many mobile payment platforms pay, we need to bind the bank card to it and set the corresponding password. His procedures are complicated, after all, the security of the account should be considered. Most importantly, the two platforms, WeChat and Alipay, exist independently of each other and cannot communicate with each other. We can't directly transfer the money from WeChat to Alipay. We can only mention one party's money in the bank card first and then transfer it to the other party.
However, there is a new payment method now. The country officially took the lead this time, and the central bank also strengthened its promotion. Some areas have been used as pilot areas. This is a new payment method: digital RMB. Some people may not know it yet, so you regard it as a digital and electronic RMB. In most people's impression, digital RMB should be similar to WeChat Alipay, right? It must be in digital mode, and we also use it for corresponding scanning, payment and remittance.
Digital RMB is digital RMB cash. Like WeChat Alipay, it is based on mobile phones. The functions of RMB are all owned by cash RMB, so we don't need to consider its security at all. People's acceptance of a new thing needs a certain process, which is bound to be long and tortuous. If you want to do something at once, it may backfire in the end. Therefore, our country also needs to vigorously promote the promotion or internationalization of digital RMB so that most people can accept it.
Moreover, once China can realize the internationalization of RMB, it will certainly give a great impetus internationally. Currency digitization is a trend in the world now, and many countries want their currencies to be digitized. So the central bank decided to promote it in first-tier cities and then see if the effect is good. If it is good, it will be promoted in second-tier cities, and digital currency will always be accepted by the people of the whole country. Now Suzhou, Shenzhen and other areas have become pilot areas.
Moreover, the traditional mobile payment method will be greatly affected once the system collapses, so traditional cash must be used at that time. It is the birth of RMB that ensures that our trading methods and trading loopholes are decreasing. His advantage is very obvious, that is, we don't need to bind the bank card or account number, but the digital RMB is indeed directly linked to our bank account, so it is very convenient for us to convert the bank's money into digital RMB, or convert the digital RMB into the money in the bank card, and this amount can be decided by ourselves without any cost, which is very different from the handling fee charged by WeChat Alipay.
Not only that, even if our mobile phone is not connected to the internet, you can still use it to complete the payment without entering any password. However, digital RMB will not replace the traditional mobile payment platform. After all, the number of users who use WeChat and Alipay to pay now is quite large. Digital RMB will definitely not be able to replace their position for the time being, but only to improve and upgrade their disadvantages and make our payment more convenient and faster. I believe that after the promotion, digital RMB will greatly facilitate our lives. When everyone sees the advantages of digital RMB, more people will be willing to use digital RMB and actively accept it. At that time, it is really impossible for the mathematical RMB to develop nationwide.
References:
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