Digital RMB will be 'usable as soon as you get your phone'
2024-11-01
Recently, Digital RMB has launched component-based services and taken the lead in deploying them in the HarmonyOS system, integrating the basic service capabilities of Digital RMB into the HarmonyOS system to provide system level secure and convenient Digital RMB services, effectively reducing the development cost and usage threshold of Digital RMB on the HarmonyOS system. From the perspective of developers, componentization is like a system providing a ready to move in, finely decorated house, and technicians can adapt it to meet the needs of different apps using digital RMB payments A technical developer told reporters. From the user's perspective, when paying at the merchant end, if HarmonyOS users choose digital RMB payment, they can directly pull up the digital RMB checkout counter in the component for online payment. During this process, there is no need to download the digital RMB APP in advance, truly achieving a smooth experience of "just use your phone". Moreover, if there are multiple devices equipped with the HarmonyOS system under the HarmonyOS username, it can support simultaneous login and use of digital RMB. Embedding the basic service capabilities of digital RMB into the HarmonyOS system is just the first attempt at component-based services for digital RMB. It is reported that in the future, the digital RMB will further enhance the level of modular services, embedding the service capabilities of digital RMB into the underlying platforms such as chips, modules, devices, and operating systems of the intelligent Internet of Things, achieving deep integration between digital RMB and the intelligent Internet of Things, thereby supporting ecological expansion in technology and realizing "payment without boundaries". The reporter learned that in terms of cooperation with HarmonyOS, the next step for digital RMB will be to strengthen deep integration with HarmonyOS, enrich the application and management functions of digital RMB wallets, jointly develop financial middleware, support interaction with other financial applications, and provide more secure and convenient digital RMB services. At the same time, we will enhance our risk monitoring and risk prevention capabilities, use security detection technology to ensure the authenticity and trustworthiness of the mobile operating environment, and improve the central bank's penetrating regulatory capabilities for digital RMB while protecting user privacy and security, achieving full process business management and risk prevention and control. In addition, the digital RMB will help HarmonyOS expand and strengthen its financial services in the ecosystem, covering more intelligent IoT devices through the integration of digital RMB and open-source HarmonyOS. Industry insiders believe that through cooperation with HarmonyOS, the digital RMB will form a replicable and promotable model, promote in-depth cooperation with other domestic mobile phone manufacturers, and realize the modular embedding of the digital RMB in the underlying operating system of domestic mobile phones, building a central bank management capability that adapts to the open ecosystem of the digital RMB. On this basis, continuously improve the cooperation mode with mobile phone manufacturers and operating system manufacturers, create a collaborative and win-win ecosystem, advocate the concept of gathering wisdom and adopting strengths, and accelerate the innovative application of digital RMB. While building an ecosystem, the work of regulating the ecosystem is also being carried out simultaneously. It is reported that the Digital Currency Research Institute of the People's Bank of China is strengthening the overall guidance of the industry, providing targeted technical support, standards and specifications, clarifying business management requirements, promoting the standardized development of scientific and technological innovation business, and preventing business risks. Recently, Mu Changchun, director of the Institute of Statistics, wrote that the People's Bank of China will establish and improve the regulatory, operational, self-discipline and other institutional mechanisms of digital RMB, further improve the top-level design, and promote the construction of the system of rules and regulations. Dong Ximiao, Chief Researcher of Zhaopin, believes that the launch of modular digital RMB is not only an independent innovation of digital RMB, but also closely following the national scientific and technological innovation strategy layout, actively empowering domestic mobile operating systems, and reflecting the solid work of digital RMB in science and technology finance, promoting a virtuous cycle of "technology industry finance", and assisting the high-quality development of the real economy. The thickness and breadth of financial infrastructure determine the sustainability of technological innovation. Dong Ximiao suggests that the digital RMB should further improve its top-level design, optimize its products and services, and continue to empower new technologies, new tracks, and new markets. (New Society)
Edit：Yao jue Responsible editor：Xie Tunan
Source：Economic Daily
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