Accelerating The Transformation Of Digital Currency
There may be some connection between the two seemingly unrelated things. Recently, the people's Bank of China held a video conference on the work of the second half of 2020. The meeting summarized the work of the first half of the year, analyzed the economic and financial situation, and made plans for the key work in the second half of 2020.
Among them, the meeting mentioned in the summary of the first half of the year that the pilot project of legal digital currency closure was successfully launched. In the second half of the year, the central bank said it would continue to actively and steadily promote the development of legal digital currency.
In fact, since this year, the central bank has made frequent actions in the implementation and operation of digital currency. At the beginning of April, the Bank of China started to test the digital Bank of China (DCEP). Subsequently, several people in the banking industry said that it was led by the central bank, and various banks were testing digital currency on landing scenarios.
In addition, the digital currency Research Institute of the central bank is accelerating the scenario application of digital currency through cooperation with enterprises from all walks of life. The digital currency Research Institute of the central bank has successively cooperated with Didi, station B, meituan and other platforms, and plans to test DCEP in meituan to enrich test scenarios and expand test audience.
More importantly, on July 30, the central bank invested more than 2 billion yuan to establish a financial technology subsidiary, Chengfang Financial Technology Co., Ltd. All of the above means that the introduction of digital currency of China's central bank is just around the corner.
It is worth noting that Alipay on the other side is not idle. Since it announced on March 10 that it was upgrading from a pure financial instrument platform to a digital life platform, Alipay has held three partner conferences in succession to promote the transformation and upgrading of small program ecology, business support, traffic operation and service searcher development.
Is there a causal relationship between the central bank's promotion of decp and the transformation of Alipay? This conclusion is not good, but the impact is there. For decp, there has always been a view that the central bank digital currency will replace Alipay, wechat payment and other third-party payment platforms.
The foothold of the above conclusion is the attribute of Alipay as a third-party payment transaction tool. It is undeniable that it does rely on payment tools to become the head platform. However, it is obvious that the moat is not deep enough to serve as a competitive barrier. At the same time, the risk is relatively large.
Not to mention the recent rumors about Alipay and wechat payment or being investigated by antitrust, Alipay has been regarded as "informal" products since its birth. At that time, some people even thought that Alipay had no bank license and was suspected of illegal fund-raising. Ma Yun denied that Alipay was launched to make more money. He once said bluntly: "if the country needs it, Alipay can give it to the country free of charge."
Therefore, Alipay has been trying to change its single financial attribute and explore the service field. In September 2018, Alipay's small program was launched. It first got through with the major platforms of Ali system, expanded the extension of services, and laid a solid foundation for Alipay to build a digital open platform. As of June this year, the number of Alipay apps has reached 2 million, and the number of monthly live users exceeds 600 million.
This year, Alipay has further developed its business field and formally proposed its transformation goal in March. Now that five months have passed, it is too early to talk about the success of the transformation.
But as Hu Xiaoming, CEO of ant group, said in an interview with 36 krypton, "there are risks" from payment instruments and financial platforms to life service platforms and open digital life platforms, but this is "a risk that has to be taken".
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