According to the CITIC Securities Research Report, judging from the impact on the industry, the digital yuan is expected to become an important tool for linking public and retail, and to some extent replace third-party platforms in the payment process. It is expected that in the future, the focus of banks' digital yuan business development will shift from qualification to competency. Banks need to speed up the transition from account operations to scenario-based specialized services to seize opportunities to increase the penetration rate of digital yuan.

According to the CITIC Securities Research Report, judging from the impact on the industry, the digital yuan is expected to become an important tool for linking public and retail, and to some extent replace third-party platforms in the payment process. It is expected that in the future, the focus of banks' digital yuan business development will shift from qualification to competency. Banks need to speed up the transition from account operations to scenario-based specialized services to seize opportunities to increase the penetration rate of digital yuan.