Launched in June 2013, by the third quarter alone, the capital scale reached 55.7 billion yuan! By the end of the year, it had soared to 185.3 billion, with 43.03 million users!
Good guy, the entire financial and Internet circles were shocked.
Ever since, Tencent started to go into finance, JD.com also started to go into finance, and all platforms, big and small, started doing it.
JD.com is special. It entered the payment market very late and did not catch up with the bonus period, but it caught up with the financial dividend. In 2014, it was the first to launch "JD Baitiao".
It attracted peers to imitate one after another, and borrowing money and Huabei were born one after another... It is always said that this thing is the ancient usury loan. In fact, there are some differences. The interest rate on the usury money is so scary.
And when the Internet entered the financial field, the so-called Internet technology became a joke, lending money, cutting leeks, big companies just lying in the gentle countryside without making progress, and few actually developed technology.
This is a story for later.
Now, with Yao Yuan here, there are naturally fewer detours.
"Traditional financial management is a niche, and the public does not have the corresponding economic foundation, but Internet finance is to turn the niche into the masses and popularize the concept of financial management."
“We first lower the threshold, pool everyone’s small money and turn it into big money, and then use the big money to deposit, invest, lend, etc. to obtain returns.
So how to lower the threshold?
First, there is no limit to the amount, you can manage money with just 1 yuan.
Second, don't let them lose money, clearly display the daily income, and let them watch their decimal point increase. Even if it increases by 1 cent a day, everyone will be happy.
In order to attract users in the early stage, the profit rate can be higher.
I’m just giving you a rough idea. The specific operation is very complicated, so I’ll leave it to you. As long as we make this product, we will be at least a year ahead!”
He told the two of them the idea of "Yu'ebao", and they were dumbfounded, excited, and uneasy.
Finance, this stuff is so scary.
Liu Qiangdong went even further. He was silent for a long time and said: "We have to do finance, but I have two requirements."
"You tell me!"
Chen Shengqiang said.
"First, if we want to run a long-term business, we must endure hardships and do things that no one is willing to do. Second, if you can earn 100 yuan, 80 yuan is enough, and don't earn the other 20 yuan."
Liu Qiangdong paused and added: "Try not to make any money!"
"..."
Chen Shengqiang understood what he meant and nodded vigorously: "I understand!"
"Heh, let me add one more thing..."
Yao Yuan looked at the situation and said with a smile: "Internet finance is walking on a balance beam. A gust of wind may blow us over. If we want to be long-term and safe, we must expand the boundaries."
“How to expand finance?”
“Finance doesn’t sound good, and you are born with a sense of guilt.
When encountering force majeure factors in the future, we can change the name to financial technology, treat financial technology as a small part of the business, include it in a larger field, and integrate it with the group's AI technology and smart life, so that
It’s very majestic.”
He knows that Internet finance is a general trend, and he also knows that it will be beaten by the country and will undergo transformation in the future.
Hiss!
And Liu Qiangdong and Chen Shengqiang took a breath of duck neck. When it comes to referring to a rat as a duck and playing with concepts, you, Commander Yao, are the best.
…………
The next day, the eighth day of the lunar month.
Chen Shengqiang and Bai Yongxiang participated in a seminar on mobile payment standards held by the Central Bank.
The two of them followed Yao Yuan's instructions, pretending to be stupid throughout the whole process, and did not express any position. They only looked at UnionPay and China Mobile with saliva flying around, and even showed signs of taking action.
Banking industry, UnionPay, operators, third-party payment companies, chip manufacturers, mobile phone manufacturers, merchants... There are so many relevant parties involved in this industry chain that it is difficult to coordinate internal conflicts alone.
The two of them listened for a long time and understood that no matter who won in the end, it would still be a mess.
Take payment as an example. As long as they have payment qualifications, ICBC, China Merchants Bank, China Construction Bank, Alipay, Maimai, etc., they can all launch their own payment products.
And these products have to cooperate with the three major operators, which add up to dozens. How to divide the interests? How to unify them? It gives me a headache just thinking about it.
Also, what card should the payment function be added to?
Banks want to add it to SD cards, operators want to add it to SIM cards, and mobile phone manufacturers want to add it directly to mobile phones. This means who can take the lead.
"..."
In short, at the end, Chen Shengqiang and Bai Yongxiang looked at each other and whispered: "Why do I feel unreliable?"
"Yes, NFC mobile phones have been hyped up, but I don't see any market potential."
"Isn't this just a multi-function card? It's so hard to promote credit cards in China. Why do they think they can succeed by changing the form?"
"Mr. Yao said we don't do near-field payment."
"I also told you that Mr. Yao still has foresight."
The mobile payment standard has been studied for two years, and it should be finalized this year. Not surprisingly, it will be based on UnionPay's standard. Third parties and mobile phone manufacturers have no say, otherwise they would not be called to the meeting until now.
Just to be a witness.
Chen Shengqiang and Bai Yongxiang see what this means. The results will definitely be clear and officially announced in the first half of the year. And before the announcement, all parties are already making arrangements in advance, just like Yi Huiman discussed with Yao Yuan.
When the meeting ended, the two of them looked at each other tacitly and ran away. Unfortunately, their seats were towards the back and they had to walk some distance away.
This distance is enough for others to block the road.
"Hey, Mr. Bai, congratulations on the sales of Meilan! How about a meal and a meal?"
"This is Mr. Chen from Maiwo Financial. This is my business card!"
"Mr. Bai! Mr. Bai! I am the cool representative, this is a big deal, we manufacturers must unite..."
Unite your grandma!
We don't do NFC, we are competitors!
Bai Yongxiang and Chen Shengqiang spent a lot of effort to break out of the crowd. As soon as they ran out, they saw Yi Huiman. Yi Huiman smiled and invited: "It's noon, how about a casual meal?
"
"Well……"
Mr. Yao had something to say first, so the two of them had no choice but to socialize.
…………
At the same time, it was on the eighth day of the lunar month.
Meizu mobile phone debuts in the mall.
This time we have a new trick: make a reservation first and then rush to buy. Users can log in to the mall and apply for a reservation code. Only with the reservation code can they participate in the rush sale.
At 12 noon, reservations are open.
The already mature mall has experienced lag for the first time in a long time. According to background data, 50,000 people received the reservation code in just one second after it opened.
In 30 minutes, it reached an exaggerated 1 million!
Three days later, the number became 7.45 million!
In other words, at least 7.45 million people are interested in buying Meizu. Although the number of reservations is not equal to the actual sales number, it is enough to attract the attention of all parties.
Especially at the critical moment when mobile payment standards are about to be released, Meilan and Meizu are like two pieces of fat, being stared at eagerly.