Core Viewpoint - The article emphasizes that digital transformation is a crucial opportunity for physical merchants to overcome challenges posed by e-commerce and changing consumer habits, particularly through the use of the XingXingTong payment code [1][5][25]. Group 1: Challenges Faced by Physical Merchants - Physical merchants are experiencing unprecedented challenges due to the rise of e-commerce, changing shopping habits, and high operational costs, leading to decreased foot traffic and sales [5]. - The need for new solutions is pressing, as high rent and labor costs further strain the financial viability of physical stores [5]. Group 2: Digital Transformation as a Solution - Digital transformation is identified as a key strategy for merchants to expand sales channels, improve operational efficiency, and enhance customer experience [5][25]. - The XingXingTong payment code is highlighted as an effective tool for this transformation, offering convenience and security [6][25]. Group 3: Features of XingXingTong Payment Code - The payment code supports multiple payment methods, including WeChat Pay, Alipay, and bank cards, facilitating quick transactions without the need for cash [6]. - It features a real-time settlement function, allowing merchants to view transaction records instantly, ensuring financial security [6]. - The introduction of a points mall enhances customer loyalty and repeat purchases by allowing consumers to earn points during transactions [6]. Group 4: Benefits of the Points Mall - The points mall provides a transparent and fair mechanism for consumers to redeem points for goods and services, enhancing their shopping experience [17]. - Merchants can leverage the points system to create promotional activities, attracting more customers and increasing sales [17]. Group 5: Risk and Legitimacy of XingXingTong - The article argues that joining XingXingTong is a low-risk investment due to its strong brand background, mature business model, and commitment to long-term partnerships with merchants [7]. - The payment code has been approved by regulatory bodies, ensuring its legality and compliance, which reassures merchants about its use [13][24]. Group 6: Conclusion and Future Outlook - The article concludes that embracing digital opportunities through tools like the XingXingTong payment code can help physical merchants thrive in a challenging economic environment [25][26]. - It encourages ongoing exploration of new business models and technologies to invigorate the development of physical merchants while remaining vigilant against misinformation [26].