The national team digital currency meddled in mobile payment, Ma Yun Ma Huateng was unexpected, ho

This is a very good thing, a manifestation of the progress of the times, and no one can stop it.

I think this is normal, in the process of development, a thing needs to be constantly innovated and broken, otherwise the monopoly will be a worse situation.

The birth of digital currency is of great importance to China's digital economy and future currency security, and the state has a good regulatory role in preventing excessive capitalization of the market.

The entry of central bank digital currencies will not put users in a dilemma. Digital currencies are a way to enrich our payment options and will affect all aspects of our lives in the future. WeChat and Alipay have occupied half of the mobile payment market.

Nowadays, mobile payment has become the main way for netizens to pay, and Alipay and WeChat Pay play an indispensable role. Alipay and Tenpay entered the market much earlier, and at the same time focused on the user experience and the richness of online and offline application scenarios. According to the confession, the two of them occupy more than 90% of the market share of mobile payment, and their positions are stable.

Digital currency is equivalent in nature and function to paper money in circulation, and equivalent to legal tender. It's just that the way of existence has changed, and digital currency has changed the form of digitalization. If we talk purely from the perspective of user experience, in fact, digital currency is similar to the use of WeChat Alipay.

Has the entry of digital currency touched the "cake" of third-party payment? The advantage of digital currencies is that they can be used more widely and have unlimited legal compensation. At the same time, compared with non-bank payment methods, central bank digital currencies are more secure, more widely used, and do not need to be bound to bank accounts.

To be exact, it also has the characteristics of peer-to-peer transactions, millisecond-level arrival, no border restrictions, extremely low transaction fees, and even zero-fee payments. It can be said that the existence of digital currency payment is not only the end of the above problems, but also the inevitable trend of future payment.

In this way, even if the mobile payment market of WeChat and Alipay is stable, in the face of the introduction of digital currency, Qi Xiao has become "vulnerable"? In fact, they all have relatively fixed and loyal user groups, and the products have their own characteristics to meet different groups of consumers. Theoretically, the entry of digital currency will not have an impact on the status of Alipay and WeChat Pay.

In other words, the basic layout of the third-party mobile payment market can still be maintained. Honest digital currency has its advantages, and this is ultimately a process determined by the market and user base for a long time, and factors such as convenience, commercial value, and economic scale will have an impact. It seems that the central bank digital currency will enter the lives of ordinary people as a supplementary means of payment in addition to third-party payment methods such as WeChat and Alipay.

In fact, it is to enrich our payment options, which will affect all aspects of life in the future.