Scan code payment lottery
From the data point of view, WeChat and Alipay have formed a duopoly pattern. 20 19 in the third quarter, the combined market share of WeChat and Alipay reached 94%. Traditionally, almost all people around us are using these two payment methods. This is enough to show the important position of WeChat and Alipay in the payment market.
When we use mobile payment, scanning code is the most commonly used. Either we scan the QR code of the merchant or the merchant scans our payment code. It can be said that scanning code payment is popular, but the central bank officially announced that "digital RMB" will be popularized throughout the country, which also means that the duopoly situation will be broken and new payment methods will begin to appear.
Many people may have only heard of digital RMB in the last two years, but in fact, as early as 20 14, the central bank began to develop digital RMB.
Since June 5438+ 10 last year, news about the internal testing of digital RMB has been coming. In Shenzhen, Shanghai, Suzhou, Chengdu and other places, as more and more cities participate in internal testing, it also shows that we are getting closer and closer to the digital RMB.
And the digital RMB still carries a lot of red envelopes when it enters the city for internal testing. By drawing lots, the drawn users can also get 200 yuan's digital RMB red envelopes. Digital RMB is also a payment method, which will have a certain impact on the existing WeChat and Alipay.
Then, with the arrival of digital RMB, has the popular scanning code payment become a thing of the past? Ma Yun once said that scanning code payment will become a thing of the past. Of course, Ma Yun refers to the rise of other payment methods such as brush payment and non-inductive payment. But now it's different, with digital RMB.
Many people know something about digital RMB. Digital RMB is issued by the central bank, also known as electronic RMB. It has the same characteristics as cash and is endorsed by bank credit. The only difference is that the presentation is different, one is paper money and the other is electronic.
This makes our payment more convenient, and now many of them are online. So what are the advantages of digital RMB?
First, the operation is simple. Digital RMB is different from third-party payment platforms, namely WeChat and Alipay. Third-party payment platforms need to open an account and be bound with a bank card before they can be used. Digital RMB can be used simply by downloading the digital RMB APP, without opening an account and binding a bank card.
Second, there is no online payment. Nowadays, mobile phones have many functions, and the prerequisite must be a network. If our mobile phones don't have internet, we won't be able to pay. The digital RMB is different, and it can realize dual offline payment. Even if there is no network, you only need to touch two mobile phones to complete the payment.
Third, the safety performance is high. Unlike third-party payment platforms, digital RMB is issued by the central bank. Digital RMB has an internal label, which can greatly ensure the safety of users' funds. Even if there is a problem with the funds, it can be traced back quickly.
The central bank has officially announced that digital RMB has been tested in various cities, which also shows that digital RMB has begun to spread nationwide. Then many people think that the arrival of digital RMB will have a certain impact on WeChat and Alipay.
Actually, it is not. First of all, WeChat and Alipay are different from digital RMB. One is issued by the central bank, and the other two belong to third-party payment platforms. There are still some differences between the two. Moreover, the current use of WeChat and Alipay payment has become a habit, and it has also occupied a certain market share. Therefore, in a short period of time, the market positions of WeChat and Alipay will not fluctuate.