Will people continue to use WeChat and Alipay with "digital currency"?

With? digital currency? , people will continue to use WeChat and Alipay. The emergence of digital currency will not affect WeChat and Alipay, for the following reasons:

First: the popularity of digital currency is time-consuming

Digital currency has begun to promote, but to fully popularize or time-consuming. After all, digital currency is a new payment method, consumers to fully accept or need to use. Alipay is able to gain the trust and acceptance of users, but also after a long time, WeChat is also because there is a user base in order to achieve the current popularity, but the digital currency is not such a foundation.

So even if the digital currency has the backing of the bank, even if the security is very high, even if it is very convenient to use, but to change the user's payment habits, it is necessary to take time, and not a short-term solution. So digital currency wants to replace WeChat and Alipay in the short term is impossible, so people will continue to use WeChat and Alipay.

Second: digital currency does not have much advantage

Digital currency has little advantage over Alipay and WeChat, and the biggest advantage is that payment can be done directly without a network. But now there is no network is very few places, unless it is a deep forest or the countryside, then in such places need to spend money on the opportunity is not very big, so that the digital currency and WeChat and Alipay is back to the same starting line. Plus digital currencies also require the download of new payment platforms, and fake ones have now appeared.

But Alipay and WeChat don't have counterfeit software, and from that point of view, at least the security of WeChat and Alipay is guaranteed. And consumers are supposed to be less likely to change their habits, especially for the same type of thing, and there's no need to change at all. Digital currency is theoretically the same as paper money, Alipay and WeChat, although only a third-party payment platform, but as long as you can complete the payment, in fact, there is not much difference.