中国缴费方式进化图鉴：数字便民，如何护航美好生活？

Core Viewpoint - The article discusses the evolution of utility payment systems in China, highlighting the transition from manual payment methods to digital solutions, emphasizing the convenience and accessibility of modern payment platforms [1][28]. Group 1: Historical Context - In the 1950s, China introduced rationing systems with various coupons for essential goods, marking the beginning of a controlled economy [2][3]. - By the early 1960s, utility payments were primarily handled manually, with electricity charges based on the number of light bulbs and their wattage [5][6]. - The 1980s saw the introduction of household appliances, leading to increased utility consumption and the need for improved payment systems [7][9]. Group 2: Development of Payment Systems - In the 1990s, urbanization accelerated the demand for utilities, prompting the establishment of more efficient payment channels, including bank deductions [12][18]. - The early 2000s marked the introduction of card-based payments and self-service terminals, although offline payment methods remained dominant [15][16]. - By 2003, online banking began to emerge as a payment option, with a significant increase in internet users facilitating this transition [21][22]. Group 3: Digital Transformation - The rise of smartphones and mobile internet led to a diversification of online payment methods, although challenges such as fragmented platforms persisted [24][26]. - "Everbright Cloud Payment" was launched to centralize utility payments, integrating various services into a single platform accessible via popular apps like WeChat and Alipay [26][31]. - The service aims to enhance user convenience and support small service providers in their digital transformation, expanding its reach to rural areas [28][31]. Group 4: Future Outlook - By 2025, "Everbright Cloud Payment" is projected to serve over 3.5 billion users and connect with more than 19,000 payment projects, indicating significant growth in digital payment services [31]. - The evolution from paper coupons to digital payments reflects a broader trend towards digital inclusivity and improved quality of life for citizens [32].