On page A17 of the Ta Kung Pao on December 28th, an article entitled "Preparing for the Introduction of the Digital Hong Kong Dollar with Three Tracks" pointed out that Hong Kong will use a "three-track" approach to prepare for the possible introduction of the digital Hong Kong dollar in the future. The first track aims to lay the technical and legal foundation for the future introduction of the "digital Hong Kong dollar". The second track runs parallel to the first track, conducting in-depth research on use cases and related execution and design issues of the "digital Hong Kong dollar". The third track is related to when the digital Hong Kong dollar will be officially launched, at which time a comprehensive deployment and timetable will be established.

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.