数字人民币App改版亮相

Core Viewpoint - The recent update of the digital RMB App to version 1.2 enhances user experience through improved functionality and wallet management, reflecting ongoing efforts to create a user-friendly digital currency ecosystem [1][2]. User Experience Improvement - The digital RMB App has undergone 45 updates since its launch in January 2022, maintaining an average monthly iteration rate. Key features have been added, such as consumption red envelopes and wallet quick payment, enhancing the service system [3]. - The latest version focuses on optimizing core functions and wallet management, significantly improving user operation efficiency and convenience. The homepage layout has been adjusted to prioritize frequently used functions [3][4]. Dual-Layer Operation System - The digital RMB employs a dual-layer operation system, with the People's Bank of China managing the central layer and various operational institutions managing the second layer. This structure fosters a competitive environment and encourages diverse product offerings [4][5]. - Users currently average 1.6 wallets per person, indicating a preference for multiple wallets due to the variety of services provided by different operational institutions [4]. Hard Wallet Applications - The digital RMB hard wallet is gaining popularity among various demographics, including tourists and the elderly, due to its low entry barriers and wide application scenarios. It is now accepted in public transport systems in several cities [12]. - The latest update has optimized the hard wallet cancellation process, allowing users to remove wallets even if they are lost or damaged, enhancing user experience [12]. Expanding Use Cases - Beyond retail payments, the digital RMB has established applications in enterprise payments and cross-border transactions, with models already in place for non-tax payments and B2B transactions [15][16]. - Collaborative efforts with other central banks have led to the establishment of cross-border payment frameworks, enhancing the efficiency and security of international trade [16]. Future Development and Recommendations - Experts suggest that to fully realize the potential of the digital RMB, its application scope should be expanded beyond M0 to include M1 and M2, facilitating broader usage scenarios [17]. - There is a call for increased support and legal backing for the digital RMB, alongside the establishment of market-driven incentive mechanisms to stimulate its growth [17].