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Wen | Wen Ka Entertainment Theory

Editor | Wenka Entertainment

Title: QR code payment, thank you for your efforts! Digital RMB is about to debut! On November 10, 2020, with the popularization of mobile payment methods such as WeChat and Alipay, the "aggressive" digital RMB will soon enter our lives,QR codes have become an indispensable part of people's lives.

However, at this moment, as we are waiting to compete for market share, please allow me, on behalf of billions of laughter segment enthusiasts across the country, to say to QR codes, "Thank you for your selfless efforts!" For many years, we have been accustomed to using our phones to scan QR codes for convenient and fast payments. Whether shopping in stores or transferring funds to friends, this black and white combination is indispensable A small thing that looks like a maze and a strip tattoo pattern.

Even grannies can skillfully point their mobile phones at the cashiers, use WeChat or Alipay to complete settlement, use WeChat and Alipay to conduct electronic transactions, which has become a necessity to maintain the smoothness of cash, and greatly reduce the risk of being stolen due to carrying cash (of course, there are also customers who can only "cheat").

At the same time, WeChat and Alipay have brought many benefits to users, such as various payment activities and exemptions. So, "black and white matching" is a pair of "golden children",People really love using it.

However, just as we pay tribute to the hard work and dedication of QR codes, the People's Bank of China has made a comeback - to promote the digital renminbi! They said this move is aimed at regulating and promoting the development of the mobile payment market, ensuring security and standardization. "Hmph!" You may mutter, "Aren't you going to drive away the QR code again?" Don't worry in a hurry! In fact, digital RMB and WeChat Alipay are not the same concept? Don't worry about using it! Just like the dazzling red giant machine in the movie "Metamorphosis", the digital renminbi represents the digital currency of the People's Bank of China, storing user wealth in accounts; WeChat or Alipay is just like a wallet.

Although both provide convenient and secure access to some extent, remember: counting clearly is the only way to have a complete calculation list! Therefore, from my unprofessional perspective, despite the upcoming booming development (to the detriment of my QR code fan), QR code payment will not disappear from our lives. It is only relative to the widespread application and expansion of the acceptance range of digital RMB, and may only decrease in the short term.

But then again, digital renminbi does have some enviable advantages! It can provide higher level encryption technology to ensure account security; And it is convenient and fast to use, with no restrictions on time and space (even when in outer space); It can also regulate the use of information and play a positive role in anti money laundering and combating illegal activities. In short, one word: powerful! Of course, not everything goes smoothly like a trivial matter,The promotion and application of digital RMB will still face some problems to be solved (I feel that the editors of the People's Bank of China are looking for trouble on their own).

Firstly, in areas such as cross-border payments and international trade, further improvement measures are needed to truly achieve "standing above the crowd". Secondly, what should ordinary people do at this stage when they are all "without electricity"? Don't create a dedicated charging socket to keep merchants in their homes, asking me so much! Of course, the most important thing is to use a strategic perspective to evaluate how to integrate with other payment methods and the international monetary system, and not from high to low intelligence.

In short, in the context of entering the era of digital renminbi, although the role of QR codes in our lives may decrease, they should not be completely abandoned. After all, for QR code payment, "the road is winding like going home" has become a necessary skill for you to quickly buy things, transfer and settle accounts in a proud city, in addition to masks, bank cards, or playing cards.

May the QR code, after years of hard work, be passed down from generation to generation by everyone! Digital RMB: A Safe and Convenient Payment Method has sparked heated discussions. Recently, the Chinese government officially released a pilot plan for digital RMB (commonly known as "rice") and stated that it will accelerate its popularization and use. This news immediately caused a stir on social media,Numerous netizens have expressed their expectations and attention.

As a new type of payment method, digital RMB has many advantages: it can not only ensure the security of personal information, but also provide features such as convenient use and traceability. Many experts believe that "rice" is expected to become the next representative payment tool.

However, amidst excitement, we cannot help but ask: "How can user privacy and data security be protected?" This is a serious question! After all, some companies often leak user information or even abuse data. Therefore, in the design of "rice", a strong firewall must be installed to ensure that user information is not auctioned off to the highest bidder or delivered to unfamiliar telemarketers! In addition, the popularization and promotion of "rice" needs to face huge challenges - the general public should first accept and develop usage habits! Education, publicity, and promotion work are urgent, and we cannot leave the people with the illusion that "paper currency is not fragrant" or "electronic payment is also feasible".

So, what is the connection between "rice" and the existing payment system? This is another headache! At a time when new and old currencies are compatible, banks have to endure the pain of abandoning the various fancy POS machines they sell at home. The reason is simple, just like using only specific brand shoes on a treadmill - you have to buy my sneakers first if you want to shop! In summary,The promotion and use of "rice" will help improve the level of economic development, financial technology innovation, and financial risk prevention and control capabilities.

But at the same time, we must also address issues such as user privacy, data security protection, and promotion. After all, we Chinese people have always emphasized practical benefits and cost savings! It will take time to test whether the digital era will completely change our way of life and enable people to enjoy meticulous services.

Goodbye, QR code! The People's Bank of China officially announced that Alipay and WeChat didn't expect to come so soon, so what do you think about this matter?

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