Core Insights - The article emphasizes the need for targeted strategies to enhance the operational development of digital currency merchants, despite the growing transaction scale of digital RMB [1] Group 1: Current Challenges - The acceptance of digital RMB among small and micro merchants remains low, primarily concentrated in retail and catering sectors, lacking diverse payment scenarios such as healthcare, education, and tourism [1] - Online penetration of digital RMB is significantly low, with most promotional activities focusing on short-term consumption incentives rather than sustainable engagement [1] Group 2: Recommendations for Development - Clear objectives should be established to enhance merchants' total volume, flow, and quality, focusing on improving service models and transitioning from offline to online operations [1] - Continuous optimization of application scenarios is necessary, targeting high-frequency daily use areas such as supermarkets, hospitals, schools, and transportation facilities to achieve comprehensive coverage [2] Group 3: Addressing Specific Issues - To tackle the issue of low coverage and online penetration, policies should incentivize high-frequency scenarios like supermarkets and public transport, promoting a "small amount, high frequency" model [3] - Building an integrated online ecosystem by collaborating with major e-commerce platforms and linking digital RMB payments with credit and loyalty programs can enhance user engagement and reduce marketing costs [3] - Innovating asset rights systems by incorporating digital RMB wallet balances into asset management calculations can upgrade wallets from mere payment tools to asset accounts, increasing customer retention [3] Group 4: Merchant Incentives - Implementing cash rewards based on transaction metrics can motivate merchants to adopt digital RMB, with a tiered reward system designed for varying levels of transaction performance [4] - Providing credit support tailored to merchants' needs, utilizing data analytics for risk assessment, can encourage the use of digital RMB wallets while simultaneously promoting traditional credit services [4] - Setting up fee reductions and value-added benefits based on merchants' digital RMB transactions can further incentivize adoption [5] Group 5: Internal Motivation - Sufficient resources should be allocated to digital RMB initiatives, enhancing employee performance incentives to foster internal motivation for promoting digital currency business [7]

Core Viewpoint - Digital RMB has been in development for four years but remains underutilized in daily life due to limited acceptance and user habits [1][5][15] Group 1: Background and Development - Digital RMB was introduced in 2019 and has been tested in several regions with positive results before being rolled out nationwide [5] - The initiative aims to provide a safer payment method compared to cash and third-party payment platforms like WeChat and Alipay [3][7] Group 2: Advantages of Digital RMB - Digital RMB can be used without internet access, making it reliable in areas with poor connectivity [7] - It does not incur transaction fees, unlike WeChat and Alipay, which can charge fees for transferring money to bank accounts [9] Group 3: Challenges and Limitations - The number of places accepting Digital RMB is limited, with only 1.299 million locations in major cities like Shenzhen, and fewer than 500,000 in other cities [11] - Digital RMB lacks financial management features, such as interest-earning options available in platforms like Alipay and WeChat [11] - User habits are difficult to change, as many individuals are accustomed to using WeChat and Alipay without compelling reasons to switch [13] Group 4: Promotion and Awareness - There has been insufficient large-scale promotion of Digital RMB compared to the marketing efforts of WeChat and Alipay, leading to lower public awareness [15] - Addressing the five identified issues could increase the adoption of Digital RMB, potentially allowing it to compete with or replace existing payment platforms [15]