“Although the’Beijing Color Fighter Digital Carnival’ event is over, I will continue to use (digital RMB).” A taxi driver in Beijing, Mr. Wang (pseudonym), told a reporter from Securities Daily that many taxi drivers around him have The digital renminbi wallet App is also actively used for recharging.

According to Master Wang, most people in the industry have a very high acceptance of the digital renminbi.

In an exchange with a reporter from the Securities Daily, when it comes to digital renminbi, Master Wang seemed very active, and he himself was also the lucky winner of the digital renminbi red envelope. “Looking at the announcement and learned that pilot merchants who support the use of digital renminbi, the overall feeling after consumption is not as complicated as imagined, and the feeling is very novel.”

In his view, the biggest attraction of the digital renminbi is security and convenience.

The reporter noticed that there are not a few people like Master Wang. Although the digital renminbi red envelope pilot activity of the “Beijing Color Struggle Digital Carnival” on June 20 has ended, the people’s enthusiasm for digital renminbi remains unabated.

Within a week after the event, the reporter visited a number of merchants in Beijing that had access to digital renminbi scenarios. From food courts in commercial districts to bank ATM machine deposits and withdrawals, and from offline to online, pilot areas in different scenarios have covered almost all aspects of residents’ lives, and the beautiful picture of digital renminbi is slowly spreading to the public.

Scenario 1: Checking in the digital RMB “gourmet”

Nowadays, the digital renminbi is gradually entering people’s daily life.

The “Beijing Color Struggle Digital Carnival” is the second large-scale trial of Beijing’s digital renminbi. The event kicked off on June 5th. Individual consumers in Beijing can make an appointment to register on the “Jingcai Platform” on the Bank of China Mobile Banking App and ICBC Mobile Banking App. Winning consumers can download the digital renminbi app and open a personal digital wallet according to the guidance of the winning text message, and get the digital renminbi “Jingcai” red envelope.

However, the actual operation of the reporter found that although the above red envelope activities have ended, users who have downloaded the Digital RMB App can still recharge by themselves and use the digital RMB for consumption at designated merchants. If the consumption amount is greater than the amount available in the digital renminbi wallet, the user can recharge the digital renminbi before spending, or use other settlement methods to supplement it.

“Recently, many young consumers have come to experience and use digital renminbi. Now that the event is over, someone will still take the initiative to recharge and use it.” The owner of a Chuanchuan store on Xiaoyun Road, Chaoyang District, Beijing, told the Securities Daily reporter Telling about the feelings of participating in the digital renminbi pilot, there has never been a stuttering situation when receiving payments. And after becoming a digital renminbi pilot scene, it also added a lot of new passenger flow to the small store.

During the reporter’s visit, the owner of a hot pot restaurant told reporters that although digital renminbi is not available for checkout in the store, we are actively applying for POS machines with digital renminbi payment and receipt functions. A few days ago, many consumers came to use digital renminbi in this neighborhood.

In addition to traditional gourmet shops, a reporter from the Securities Daily also visited several fast food restaurants. In a Burger King store located in a street in Chaoyang District, although there was no “digital renminbi” sign on the door, the clerk told reporters that the store supports digital renminbi. Paid.

“Securities Daily” reporters experienced food ordering at the self-service food ordering machine and found that the payment interface showed that Alipay and digital renminbi payments are supported. From the actual operation point of view, the payment is simple and fast. The payment QR code in the digital renminbi wallet is scanned by the corresponding machine to complete the payment. The overall operation is no different from the past self-service ordering, and the payment can be completed in a few seconds.

But unlike the third-party payment, the payment logic of the digital RMB wallet is “slide up payment, down payment collection”. When you slide up, a QR code for payment to the other party will appear; when you slide down, a QR code for receiving payment will appear, and the payer can scan it to make the payment. A simpler operation logic can better adapt ordinary consumers to digital renminbi payment.

In addition, the reporter found that the payment type was displayed as “digital wallet” on the product receipt printed after using digital renminbi to pay. When using Alipay for payment, the small ticket payment type will be marked as “Alipay”.

Scenario 2: Only four steps are required to download at a bank branch

In the field of offline food, the digital renminbi has achieved multiple blossoms, and this is naturally inseparable from the promotion and innovation of many financial institutions.

With the advancement of the digital RMB pilot program, more consumers want to experience this feature. To this end, a reporter from “Securities Daily” went to the bank to experience how to download and handle a digital renminbi wallet, and also sent a guide for “Xiaobai” users who have never been in contact with digital renminbi.

The reporter had field experience at several offline branches of Industrial and Commercial Bank of China and Bank of China in Xicheng District and Chaoyang District, Beijing. How to apply for downloading digital RMB? Simply speaking, it only takes four steps. Scan the QR code provided by the staff to apply for processing (or apply in the official account), register name, ID number, work unit, mobile phone operating system, mobile phone number and other information; after that, wait for T+ 2 working days for review; after the review is passed, you can register the App to open a digital renminbi wallet; the last is to bind a bank card to upgrade the digital wallet. During the consumer experience, you need to recharge a certain amount in the digital wallet in advance, and then you can Designated merchants use digital renminbi for payment. The overall registration experience is very smooth and can be easily operated by elderly users.

In addition, the reporter learned from a branch of the Industrial and Commercial Bank of China in Xicheng District that in Beijing, more than 3,000 deposit and withdrawal machines have realized the two-way exchange function of “digital currency” and “banknote”, and cash can be directly exchanged with digital renminbi. , Make deposits and withdrawals.

The reporter noticed that the ATMs that can realize the exchange function are affixed with the eye-catching “digital renminbi” logo, and there is a “digital renminbi” option on the left side of the machine screen. After clicking to enter, two options “digital renminbi” will appear on the right side of the page. “Cash currency exchange” and “Cash currency exchange digital renminbi”.

The operation of cash exchange for digital renminbi is very simple. The user does not need to insert a bank card or input ID and other information. After entering the mobile phone number, the screen displays the wallet ID, name and other privacy-treated information, and requires the user to verify it. After clicking Confirm, the deposit port automatically opens, the reporter puts in a 100 yuan banknote and confirms it, and then the word “transaction successful” pops up on the page. After the transaction is completed, the balance of ICBC’s digital wallet has become 100 yuan from the mobile phone “digital renminbi” App and the digital renminbi wallet page of ICBC’s mobile banking app. The whole operation is smooth and fast, and the overall time is less than 1 minute. This process does not require an ID card, physical mobile phone and bank card to complete the operation.

To exchange digital renminbi for cash, users need to open the ICBC mobile banking app, search for “digital renminbi”, scan the QR code for withdrawal on the machine through the “scan” function, and enter the wallet payment password as prompted by the mobile phone. Complete the withdrawal.

According to the “Securities Daily” reporter discovered that in several ICBC branches in Xicheng District and Chaoyang District, smart teller machines have added digital RMB business processing functions.

A staff member of an ICBC branch told a reporter from the Securities Daily, “At present, we have carried out omni-channel promotion of digital renminbi. We will also post texts and pictures in the employee circle to let users understand the digital renminbi. In addition, we also I will go to companies to popularize and publicize the knowledge of digital renminbi. Of course, many users have taken the initiative to ask us how to register a digital renminbi wallet.”

“During the Beijing’Jingcai Struggle Digital Carnival’ digital renminbi pilot event, many users came to offline outlets to ask questions about digital renminbi. Since then, some people have come to consult. It can be seen that they are very interested in digital renminbi. A staff member of a branch of Bank of China told a reporter from the Securities Daily.

Someone who participated in the Beijing pilot in June told the “Securities Daily” reporter that “ATM machine realizes the mutual exchange of digital renminbi and cash” can be said to be an inevitable move. In fact, this also provides another perspective on the development of the digital renminbi scenario, that is, in addition to copying the mobile payment scenario, it is also working hard to cut into the traditional cash use scenario and promote digitization, becoming a tool to promote the digitization of the real economy.

Jiang Zhaosheng, research director of Zero One Blockchain and researcher of the Digital Asset Research Institute, analyzed the Securities Daily, “ATM can deposit and withdraw digital renminbi, and commercial banks have conducted long-term research and technical reserves in this regard. It means that the digital renminbi is not limited to the pilot part of payment transactions, and has begun to gradually extend to the upstream and downstream of the industry chain of renminbi issuance and circulation. This will also make the digital renminbi pilot model more diversified, and users have more ways to participate in the digital renminbi pilot.”

Scenario 3: JD App consumption has exceeded 100 million yuan

In addition to offline experience, reporters from Securities Daily also experienced the digital RMB online transaction process.

Specifically, the user selects the merchant that he wants to open in the digital RMB App sub-wallet function, and then he can open it after entering the password for verification. Take the ICBC sub-wallet as an example. The currently available experience merchants are Meituan Bicycling, Didi Chuxing, JD App, Surprise App, JD Finance, Eastern Airlines, etc.

Afterwards, the reporter experienced the use of digital renminbi in the JD App and China Eastern Airlines App. In the Eastern Airlines App, the user needs to select the ticket to be purchased in the App. After opening the digital RMB, the payment page will show the option of digital RMB payment, and the ticket can be paid.

The JD App experience process is almost the same as the above process, but currently only supports the purchase of JD self-operated products. In the “Securities Daily” reporter experience and interviews, it was found that the digital RMB online experience is still popular with the same effect as the offline consumer experience. According to the data released by JD.com on June 18, 2021 on the use of digital renminbi on JD.com, nearly 210,000 digital renminbi sub-wallets were pushed to the JD App from June 1st to June 18th. The JD App has more than 130,000 users who use digital renminbi to consume, with a cumulative order of 180,000, and a cumulative consumption amount of more than 21 million yuan.

According to JD.com’s disclosure, from December 11, 2020, when the digital renminbi pilot was connected to JD.com, to June 18 this year, a total of nearly 1 million digital renminbi sub-wallets were pushed to JD.com App, and nearly 450,000 users were on JD’s App. 1.04 million transactions were consumed using digital renminbi, and the cumulative consumption amount exceeded 100 million yuan.

In the user category, data from JD.com shows that the post-80s and post-90s are the absolute main force, accounting for nearly 70%; users over the age of 70 using digital renminbi also exceed 1,000. In terms of the gender distribution of the overall use of digital renminbi, men accounted for 45% and women accounted for 55%.

Liu Bin, director of the Financial Research Office of the China (Shanghai) Free Trade Zone Research Institute, told a reporter from the Securities Daily: “Currently, digital renminbi pilot scenarios are becoming more and more diverse. From the perspective of scenarios, most of them currently involve catering services, shopping and consumption, etc. It is expected that there will be many potential applications for digital RMB offline scenarios in the future, such as public transportation, hospitals, etc. In addition, it is foreseeable that more local banks, joint-stock banks, small and medium-sized banks, and village banks will use this form in the future. Participate in the digital renminbi ecology.”

Our reporter Li Bing, trainee reporter Zhang Bo