数字人民币“碰一碰”试点再扩围！记者实探上海地铁“一卡过闸”

Core Viewpoint - The pilot program for digital RMB is expanding into high-frequency scenarios, particularly in Shanghai's public transportation system, enhancing payment efficiency and convenience for users [1][2][3]. Group 1: Digital RMB Implementation - The digital RMB "tap and go" feature has been successfully implemented across the entire Shanghai metro network, allowing passengers to use various digital wallets for seamless entry [1]. - The Shanghai metro system operates over 896 kilometers with 21 lines and 517 stations, handling more than 77% of the city's public transport volume daily [2]. - The implementation involved extensive testing and collaboration among multiple stakeholders, including the Shanghai Municipal Financial Office and various banks [3]. Group 2: Cross-Border Payment Advantages - Digital RMB offers advantages in cross-border payments, such as reduced intermediary costs, low fees, and near real-time transactions, which are particularly beneficial for foreign visitors [4][7]. - The design of the digital RMB wallet ensures user privacy and simplifies the account opening process, which could enhance the internationalization of the RMB [4][7]. - The People's Bank of China has announced plans to establish a digital RMB international operation center to promote its global use [4]. Group 3: Expansion and Challenges - The digital RMB pilot has expanded to 26 regions across 17 provinces, with applications in various sectors, including retail, healthcare, and public services [7]. - Despite rapid development, challenges remain in achieving widespread adoption, including the need for a viable business model and user habit formation [8][9]. - The digital RMB's success will depend on overcoming barriers related to scene coverage, user acceptance, and the establishment of unified technical standards [9].