WeChat payment should be "cancelled" and Alipay "can't escape". Will mankind return to the cash age?

In recent years, WeChat and Alipay have developed rapidly, and now elderly people with smart phones have begun to use these two platforms. It can be said that both WeChat and Alipay are now in the sinking market of the elderly. They not only chat with WeChat, but also often pay with WeChat. People who use Alipay are younger, and a large part of these people often shop online.

At present, these two payment methods have had a huge impact on cash payment, but not everyone will choose mobile payment, and some people prefer cash payment.

Mobile payment does facilitate people's daily travel, but the supervision of third-party payment platforms still needs to be strengthened.

Although it is a market economy at present, no private enterprise can monopolize the industry.

Wechat and Alipay grow up in competition with each other, but they also affect the normal business of banks. The wealth management products owned by the two platforms are also not conducive to the bank's storage business.

We all know that at present, bank cards withdrawn by third-party payment platforms need to pay corresponding handling fees.

This is also a way to supervise the mobile payment platform to a certain extent.

At present, the state has issued regulations that personal payment codes will no longer be used for business collection, which is actually another signal released by the state to improve the supervision of mobile payment platforms.

However, for individual merchants, this news may affect their daily operations.

After all, many self-employed and small vendors are now using electronic payment, although they can also apply for merchant payment codes to collect money now.

In the future, the supervision of third-party payment platforms such as WeChat and Alipay will definitely increase. Can merchants continue to use payment codes for their daily operations?

Due to the irregular management of WeChat and Alipay, the state's efforts to strengthen supervision will certainly continue to improve.

At present, China has also developed corresponding payment methods to replace other third-party payment platforms.

I believe that with the popularity of this payment method, there will be fewer and fewer users using WeChat and Alipay, and personal fund management will be more and more secure.

In the past two years, due to Alibaba's own reasons, people's trust in it has decreased a lot.

Alipay's biggest profit is also obtained from the operation and maintenance of the mobile payment platform.

For WeChat, the payment method introduced by the state to replace WeChat payment is nothing more than the lack of business, but it is a blow to Alipay.

At present, the new payment method introduced by the state is also considered from the aspect of maintaining the safety of ordinary people's funds, and it is defined as digital RMB after research and development.

Here, everyone should have a basic concept of digital RMB. The digitized RMB is completely equal to paper money, which is another way to store paper money.

If you don't use it, it will never change and there will be no interest. Just like a 100 yuan note, if you put it in your wallet, it will always be a 100 yuan note.

Originally, the advantages of Alipay and WeChat were to build omni-channel payment scenarios, and currency digitization was vigorously promoted by the state considering comprehensive factors.

The state recognizes this payment method, which means that it has no cost at all, and it will not benefit from it, which can make the third-party payment platform lose its survival value.

If nothing else, the third-party payment platform just charges a handling fee, which makes many businesses have a headache.

When the cash withdrawal is relatively large, the handling fee for one year may be equivalent to a person's salary for one month.

In fact, the biggest impact of the issuance of digital RMB on WeChat and Alipay is to break the monopoly. Only places where WeChat pays must also support DCEP of other wallets, otherwise it is illegal. After all, this is equivalent to cash.

It is good for the people and there are many choices.

There is another very convenient place for the popularization of digital RMB.

That is, after the currency is digitized, the network is not needed, and the 0 transfer fee can be described as the weakness of WeChat Alipay, which will inevitably release a large number of online payment methods for middle-aged and elderly people.

The popularity of digital RMB can give people more financial choices.

Users can transfer their spare money or the money in the original bank card to the digital RMB wallet, which makes the fund management more convenient and safe.

Although digital RMB deposits will not generate interest, they can't offset inflation.

However, for ordinary users, fund management is unprecedented security, which is another subversive way for ordinary people to manage funds.

Of course, there is no handling fee for cash withdrawal and transfer, which reduces the use cost of RMB. It still has a great impact on the current third-party payment.

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The issue of digital RMB by the state does not blindly hinder the development of third-party payment platforms, but prevents its barbaric growth from threatening people's property safety. After the currency is digitized, people will be more convenient in payment methods and safer in fund management.

Today's hot discussion: WeChat payment should be "cancelled", Alipay can't escape, and human beings should return to the cash age?