ICBC Asia has announced its e-HKD pilot program, which involves a physical card with a display screen that shows transaction amounts and account balances. ICBC Asia is reportedly studying the next phase of the program, which may include the use of the "Transfer Express" value-added function. If officially launched in the future, the program will attract merchants with low fees. In addition, according to ICBC Asia's General Manager of Operations and Management, Luo Jiahao, the physical card with a display screen is inspired by ICBC's payment services in mainland China and may be studied for use in the mainland in the future.