After users of the Touronghui APP updated the APP version and reopened the APP, they all found that there was an additional cartoon elephant on the homepage.
The cartoon elephant also has a column introducing what it is called "Intelligent Financial Assistant".
Many users click on this elephant, and then they can get a financial health check-up and evaluate their financial management behavior, such as their prudent risk preference and whether the risk of the overall position asset allocation is reasonable.
Finally, this intelligent financial assistant will also recommend investment plans based on the user's past investment preferences, which are all about fund matching.
For users who are assessed as conservative, Lingqianbao, currency funds, and various short-term financial funds are recommended.
For growth-oriented users, we mainly recommend bond funds and mixed partial debt funds.
At the same time, an asset allocation histogram is also provided for each user.
For example: allocate 50% to currency funds, 30% to bond funds, and 20% to stock funds.
For some veteran investors, this function is somewhat redundant and useless.
But for financial novices, it suddenly becomes much more convenient, and many people follow the recommendations of financial management assistants to diversify their investments.
In addition, the page you enter after clicking on the elephant also has a function called "Full Asset Perspective".
After a user authorized to enter, he saw all his assets, including house appraisal value, vehicle appraisal value, bank deposits, fund assets, P2P assets...
At the same time, you can also see liabilities, various consumer loan liabilities, credit card liabilities, mortgage liabilities, car loan liabilities...
Finally, the net assets data, monthly loan repayment data, cash flow data, monthly total financial income, and monthly total loan repayment data were obtained...
The more accounting and authorization items a user has in 365 Accounting Manager and Kawang Credit Card Manager, the more accurate this report will be.
For users whose accounting and authorization are not comprehensive enough, the intelligent financial assistant also provides tips.
Many users rushed to complete the data and then saw a comprehensive personal asset report.
There are many users who may not remember their personal total assets and total liabilities, as well as net worth and monthly cash flow.
Now, Elephant Financial Assistant has helped them calculate it.
Many people are preparing to share it on their WeChat Moments to show off, but are afraid of exposing their personal wealth.
Just when they were struggling, they discovered another small function, asset hiding.
Click the little "eye" button and all kinds of data on the asset report will be hidden immediately.
Some b kings are still not satisfied. This data is hidden, how can they pretend to be b?
Then they discovered a thoughtful little feature that can selectively hide a certain piece of data.
As a result, some users hid all kinds of liabilities, only revealing "house appraisal 5.5 million, car appraisal 800,000, securities fund 2 million, P2P financial management 1 million, insurance 200,000..."
Come on, a multi-millionaire was created, and it was evaluated by Elephant Financial Assistant.
Then, this user posted on Moments and pretended to be a B. Looking at all the flattering comments, his vanity was instantly satisfied.
What he actually wants to say is: He still has a house loan of 3.8 million, a car loan of 400,000, and still owes the bank 1 million...
This is actually Zhang Yida’s bad taste. He feels that he needs to meet the customized needs of some users to “show off their wealth”.
However, this installation method will not last long. Users who have installed Toulonghui APP and used the smart financial assistant service will soon understand the tricks.
…
"Mr. Zhang, our smart financial assistant has been used by more than 30 million people just two hours after it went online..."
Ren Yunfan, general manager of the data business unit, walked into Zhang Yida's office and reported to him.
Looking at Ren Yunfan with a happy face, Zhang Yida also nodded. He did indeed do a good job and praised:
"Old Ren, this is the result of your good planning and the hard work of the engineers below. This time I will mark the merits of all the technical staff involved in the research and development, and ask the Finance Department to issue a batch of bonus gift packages later."
Ren Yunfan knew that this bonus gift package was cash plus options, which was very generous. He smiled and said: "Then I would like to thank Mr. Zhang for his love for the brothers below."
This smart financial assistant provides two services: financial health checkup and full asset perspective, using three technologies including cloud computing, big data, and AI.
In addition to blockchain, it can be regarded as the integration of three of Ruixiang's four cutting-edge technologies, and it can be regarded as a technological crystallization of Ruixiang Group.
Zhang Yida is very clear about the difficulty of development. He feels that the data division has indeed done a good job this time and deserves heavy rewards.
Currently, the highest-paid people in the company are the technical experts under Ren Yunfan. Of course, he has to win over them, and Ruixiang's future rests entirely on those people.
After all, Ruixiang aspires to become a technology giant, not a lending giant...
"We will observe and test more in the future, and if there are any loopholes, we will fix them in time. Otherwise, if the user's investment preference assessment is wrong, we will be in big trouble." Zhang Yida ordered again.
"Okay, we will pay more attention to it."
Ren Yunfan is also a cautious person and knows Zhang Yida's worries. If a conservative user is evaluated as a radical user, and then leads others to buy stock funds, and loses money and triggers user protests, it will be a huge loss!
…
"Ruixiang has launched a smart financial assistant, what do you think?" Jackma asked Pang Lei.
"Ruixiang's technological strength has grown and we can no longer treat it as an advertising company."
Jack Ma smiled, she knew what Pang Lei meant by "advertising agency".
Ruixiang's main revenue has always been from the seven major financial supermarkets, so he calls them "advertising companies".
"Yes! They have accumulated some experience in AI, big data, and cloud computing. We can no longer underestimate them.
You see, in addition to mobile payments, they are now also focusing on wealth management and technology services.
I heard that the monthly loan amount of their Daibei and Yongbei has exceeded 2 billion yuan.
Their various business lines are highly overlapped with ours at Leech Financial. Apart from Tenpay, Ruixiang is Leech Financial’s second biggest concern.”
When Jack Ma talked about Ruixiang, he was also filled with regret. If he wasn't careful, the other person would have grown to this point.
If I had known this, if the acquisition failed at that time, I should have used all my strength to smother the other party in swaddling clothes.
Pang Lei saw what Jackma was thinking, shook her head and said: "From the moment Penguin bought shares, it has been difficult to defeat them. Now that there are four major banks backing him, we can only play in a dignified formation.
"
Jack Ma glanced at Pang Lei and said with a smile: "What are you thinking? Am I that kind of person? I always use outright strategy to defeat my opponents."
Pang Lei nodded and said, "Mr. Ma, tell me, what should we do now?"
Jack Ma sighed and said: "The most critical thing is mobile payment. If Ruixiang's tentacle is cut off, they will be the turtle in the urn."
"Continue the subsidy war?" Pang Lei asked tentatively.
"Yes, we must continue to fight. If Mobao Pay's market share continues to expand, the threat to Leech Financial Services will be even greater.
Even if we cannot defeat them, we cannot allow them to increase their market share."
Jack Ma also has a headache. It is already very difficult to suppress the development of Ruixiang. Mobile payment subsidies are also a trick that can kill eight hundred enemies and lose one thousand.
Because Paybay has a larger market share, it loses more from subsidies.
“Our Alipay market share has dropped a lot in 2015, with most of it taken away by WeChat Pay and a small part taken away by Mobao Pay.
However, with Ali’s e-commerce business as its basic base, its share in the future should be stable.”
Pang Lei also expressed regret when talking about the decline in payment market share.
"I heard that your husband and Zhang Yida collaborated on an e-commerce project?"
Jack Ma's words made Pang Lei look a little unnatural. She said with a straight face: "I don't know about him. We are both living our own lives now."
"Hey, it's normal for two couples to quarrel. Lao Sun is still very good. I had no choice but to let him leave back then."
Pang Lei interrupted Jack Ma and said, "Mr. Ma, there's no need to say any more, I understand everything."
Jack Ma is very thick-skinned. Even though he knew it was embarrassing, he continued to talk about Sun Yutong.
"I understand Lao Sun's complaints against me. He and Zhang Yida are working on an e-commerce project, so he doesn't want to overthrow Ahri, right?"
Pang Lei knew that this topic could not be avoided, so she said: "He is arrogant. If Pinduoduo is exhausted, it will only be a unicorn. There are so few SKU categories, who will buy things on it?"
"Haha!" Jack Ma was very satisfied with Pang Lei's attitude and added: "It should be Zhang Yida who wants to shake Ali's foundation through e-commerce. This kid is against me everywhere.
Finance, e-commerce, and bike sharing.”
Speaking of this, Jack Ma sighed again and said: "Bike sharing probably can't beat him. It's too late to enter the market. If we invest further, we can only pay for it ourselves. Venture capital institutions have basically given up on sharing bikes.
It’s the track.”
"Who says it's not the case! There are already 7 million Huimin bicycles, and we only have a few hundred thousand units.
If you want to fight them, you have to spend at least another 10 billion yuan."
Pang Lei shook her head again and said, "In my opinion, this is not worth it."
"I asked you to go talk to Chen Wei. How did the talk go?" Jackma asked.
Pang Lei looked unhappy and said, "Chen Wei said that we should think about it again."
"It's been a few months? Are you still thinking about it? He just wants to refuse, but he can't lose face.
Now that he has the support of Father Penguin, he is very confident!"
Jack Ma's tone sounded like to Pang Lei that he was also very dissatisfied with Chen Wei.
"His only opponent is Uber now. He has a lot of capital and is backed by Ahri and Penguin. Against Uber, which has not deep roots in China, it is only a matter of time before he wins.
Now that my wings have become stronger and I feel that I have the strength to get rid of the giants, I will definitely not be as obedient as before!"
Pang Lei has been very angry with Chen Wei recently and is going to give him some eye drops.
"Haha! I'm short-sighted. I don't even know there are so many taxi-hailing apps, so why is he the only one who has become the problem?
There are no heroes, so Zhuzi became famous!"
Jack Ma made a cold comment and said:
“The dominance of shared bicycles has almost become stable. The only chance of survival is for everyone to merge and form a size that can compete with Huimin in the shortest possible time.
If this step goes well, a steady stream of venture capital ammunition will follow.
He can't even see this step, and he will be nothing more than a house-keeping dog in the future."
"Then shall we continue to promote the merger and acquisition of Yong'an Bank?" Pang Lei asked.
"Why not? But you can only pay a small part in cash, and most of it has to be exchanged for shares.
All-cash mergers and acquisitions are too risky and the sunk costs are too high.
If Yong'an Bank rises in the future, we will just pay to wash out other bicycle shareholders."
Jack Ma's idea is very good and the risks are well controlled.
Pang Lei agreed very much, nodded and said: "Okay, let's acquire hellobike first! Just follow the "small amount of cash + large amount of stock exchange" method you mentioned!"