At the beginning of the new year, new news came one after another from the pilot digital renminbi. Following the official launch of the pilot version of the digital RMB App in major application markets, on January 5, a reporter from Beijing Commercial Daily found that residents of the national digital RMB pilot area can already pass the number when ordering food from the Meituan App and Meituan Waimai App. RMB to pay for meals.
This is also a further expansion of the digital renminbi in the livelihood scene of “food, clothing, housing, transportation”. A related person from Meituan confirmed to a reporter from Beijing Business Daily that at present, Beijing, Shanghai, Shenzhen, Chengdu, Xi’an, Suzhou, Changsha, Dalian, Qingdao, Xiongan New District, Zhangjiakou, Hainan Province (Haikou) Pilot areas such as Sanya City, Sanya City, Sansha City, Danzhou City, Wuzhishan City, Wenchang City, Qionghai City, Wanning City, Dongfang City) have already supported digital RMB point-of-sale delivery. In addition, the three major regions of Beijing, Shanghai, and Shenzhen have also opened the Meituan grocery shopping scene.
How does it work? A reporter from Beijing Business Daily found that there are three major steps. First, users need to download and install the “Digital RMB” App to open the digital wallet of the operating institution; then click “Sub-wallet”-“Add sub-wallet”-“Meituan” , Push the sub-wallet to the Meituan App; finally, when Meituan pays for takeout orders, you can choose to pay with digital renminbi.
Image source: Screenshot of Digital RMB App
This is also the first important action of the digital renminbi scenario support organization since the pilot version of the digital renminbi App was officially launched in major application markets. It is worth mentioning that users can enjoy the full-scene red envelope discounts of digital RMB while experiencing the new payment experience.
Image source: Screenshot of Digital RMB App
At the end of 2021, Meituan announced to further expand the digital RMB carbon neutral pilot program. Anyone who participates in green and low-carbon consumption activities on Meituan will receive corresponding digital RMB low-carbon rewards. Whether it is ordering takeout, buying fresh food, or buying e-tickets and train tickets online to reduce paper and plastics, as long as they are recognized as having green and low-carbon consumption behavior, they will be able to get digital renminbi cash back.
“This is a win-win situation.” Zhou Maohua, a macro researcher at the Financial Markets Department of Everbright Bank, commented that the combination of digital renminbi and Meituan takeaway scenarios will help enrich the application scenarios of digital renminbi and let people experience the convenience and speed of using digital renminbi. , To help promote the use of digital renminbi; at the same time, let more consumers who have already opened and newly opened digital renminbi experience Meituan takeaway related services, which will help Meituan expand its business; from a larger perspective, digital renminbi and various economic activity scenarios Deep integration will bring new development space to various fields of the digital economy.
Wang Pengbo, a senior analyst in the financial industry, also said that Meituan’s users and stickiness are unquestionable. The promotion of digital renminbi in this way is good for popularity and larger-scale testing. The digital renminbi pilot version of the app has just been revised and put on the shelves, paying more attention to the operation and experience of users. Meituan has made a good start for a win-win situation. While increasing its user stickiness, it will also have a preemptive digital renminbi usage scenario. This will increase the frequency of use of digital renminbi and the scale of transactions.
Meituan’s 2021 second-quarter performance report shows that the average daily number of Meituan food delivery transactions reached 38.9 million. Some people in the industry believe that the official launch of the digital renminbi App indicates to a certain extent that the exploration of digital renminbi has entered the full-scale testing stage. The application ecology and transaction scale are expected to be greatly improved at this stage.
A reporter from Beijing Business Daily noted that in addition to Meituan, Internet giants, including Ant, JD, Ctrip, Didi, and Kuaishou, are also making continuous moves on digital yuan trials. For example, during this year’s “Double 11” period, JD Technology and China Construction Bank issued a large wave of digital RMB red envelopes to users in more than ten cities including Beijing, Shanghai, Shenzhen, Dalian, Xi’an, and Chengdu, supporting the “Double 11” on JD.com for the first time. During the period, use digital renminbi to experience shopping; in addition, in the previous “Five-Five Shopping Festival”, Ctrip participated in the digital renminbi pilot activities to promote the implementation of digital renminbi in tourism consumption scenarios.
From the perspective of the industry, Internet giants have their own consumption scenes, have many sticky users, and also have technical advantages to understand the real needs of related partners, so it is convenient for the promotion of digital renminbi. In the future, with the power of “Internet +”, the digital renminbi can be quickly and effectively penetrated into various scenes of people’s daily life, and promote the establishment of an urbanization path for the realization of green value. However, while advancing the digital renminbi pilot program, consumers should also be reminded to guard against new types of “digital currency” scams.
It is foreseeable that in the future, the scope of the digital RMB pilot area will continue to expand, the types of scenarios will be enriched, and the digital RMB-related ecosystem will be more complete. As Zhou Maohua said, at present, the digital renminbi is still in the calculation stage. However, in recent years, the digital renminbi technology has basically matured, the scope of pilots has been continuously expanded, and the coverage of pilot scenarios has become more extensive. In addition to participating institutions, more and more consumers and merchants will have a deeper understanding of digital renminbi, and can also use and innovate business models to provide consumers and merchants on the basis of ensuring safety and privacy. Convenient, fast and efficient experience.
“The advancement of the digital renminbi pilot program has far exceeded market expectations. I would like to give the participating institutions a thumbs up. However, at present, the method of binding digital renminbi wallets needs to be simplified. How to make users use digital renminbi more conveniently is expected to be the next direction to be discussed. In addition, in the follow-up scenario, I think the breakthrough is mainly around the small and high-frequency scenarios of clothing, food, transportation, and there will definitely be more specific related products designed around the digital renminbi pilot.” Wang Pengbo said.
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