Hang Seng Bank  and international management consulting firm Oliver Wyman jointly released the "Prospect of Programmable Payments" report, which emphasizes that if the Hong Kong Monetary Authority decides to launch digital Hong Kong dollars, the government and industry need to work together to develop a sound digital Hong Kong dollar infrastructure plan, encourage customer-oriented innovation, maintain healthy market competition, and pay attention to information protection, privacy, and network security issues related to digital Hong Kong dollars. The report also stated that in order to encourage more small and medium-sized merchants and government agencies to adopt digital Hong Kong dollars, practical obstacles must be overcome and the process must be streamlined. The large-scale promotion of programmable functions may also face certain challenges in the implementation process, so when designing programmable functions, user experience, system performance and risk management should be given priority.