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力激发消费市场潜力。　　未来，数字人民币智能合约的应用场景将更为广泛。“在人民银行指导下，邮储银行将依托数字人民币高效结算、可加载智能合约、安全便捷等创新特性，立足战略定位和资源禀赋优势，积极践行金融‘五篇大文章’，进一步完善金融服务体系，构建与数字经济时代相适配的金融服务新生态。”邮储银行数字人民币部总经理朱斌表示。据他介绍，邮储银行将围绕适老化服务探索发行针对老年客群的数字人民币硬钱包，积极探

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