数字人民币产品升级体验优化

Core Viewpoint - The recent upgrade of the digital RMB APP to version 1.2 enhances user experience and operational convenience, reflecting the developers' commitment to user feedback and the creation of a secure and efficient payment platform [2][3]. User Experience and Interface Improvements - The homepage layout of the digital RMB APP has been significantly adjusted, moving frequently used functions like "Deposit to Bank" to the front for easier access [1]. - The wallet management experience has been optimized, allowing users to switch wallets more easily and customize their display order [1][2]. - The new version includes a streamlined process for removing digital RMB hard wallets, allowing users to unregister even if the wallet is lost or damaged [2]. Application Scenarios and Market Expansion - The digital RMB hard wallet has made progress in various application scenarios, including smart elderly care and campus environments, facilitating transactions in daily life [3]. - Future enhancements will support immediate tax refunds for foreign visitors, further expanding the use cases for the digital RMB hard wallet [3]. - Beyond retail payments, the digital RMB is also being applied in enterprise payments, cross-border transactions, and has established replicable models in non-tax payments and B2B transactions [3]. Industry Support and Development Potential - Industry experts are calling for increased support and legal protection for the digital RMB, emphasizing the need for market-driven incentive mechanisms to stimulate its development [4]. - Establishing such mechanisms is seen as crucial for attracting more merchants and service providers to adopt digital RMB, thereby broadening its application scenarios [4].