"Leech Financial also followed our trend this year and launched a New Year "lucky paper" with a bonus pool of up to 500 million yuan. It seems that it is for us at first glance."
Lin Zhenyang walked into Zhang Yida's office with a document and started to complain about Leech Financial Services as soon as he entered.
After Lin Zhenyang got married, he has matured a lot. He also followed the fashion and grew a beard. The beard left a lip shape from the upper lip to the chin. He also took care of it very neatly and looked like a middle-aged uncle.
déjà vu.
Zhang Yida usually delegates the power to manage the detailed management of the company. Only when major matters arise, Zhang Yida will intervene.
However, Lin Zhenyang is not a person who monopolizes power. If something happens that he cannot control, or if it involves the mobilization of large funds or resources, he will discuss it with Zhang Yida.
"Lucky paper?" Zhang Yida smiled. The inertia of history is really strong. They snatched the lucky card from Leech Financial and they launched a "lucky paper" in a blink of an eye.
"Their bonus pool is 500 million?" Zhang Yida shook his head, "It's such a big deal. They made more than 400 million this year, and their pockets are bloated!"
"Who says it's not?" Lin Zhenyang also complained, "If they do this, our prize pool of 216 million this year will not be so attractive."
"Tell me, should we temporarily adjust the bonus pool?" Lin Zhenyang suggested.
"How to adjust? Add more money?" Zhang Yida asked.
Lin Zhenyang raised his index finger and gestured: "If they give you 500 million, we will give you 600 million."
"It's not necessary!" Zhang Yida shook his head, "They have already launched this activity. Even if we increase the bonus to 600 million, users will still participate in both activities."
"Even if our bonus is smaller, only 216 million, users will not miss it, so there is no need for us to fight to the death with Leech Financial."
Lin Zhenyang smiled again and said: "Okay! That's indeed the truth. Let them be proud for a few days!"
"Another interesting thing is that Leech Financial wanted to engage in social networking and used this lucky paper activity to steal WeChat's user relationship chain, but was blocked by Penguin."
Lin Zhenyang talked about this matter enthusiastically: "In order to integrate the relationship chain, Alipay has set up a viral gameplay for the "lucky paper" red envelopes. As long as you add 10 new Alipay friends, you can get 3 lucky cards.
paper, and friends can give each other blessing papers.
In order to exchange blessing notes with more friends, many users share their "Zhikou password" to Moments or WeChat groups. As long as the other party copies the "Zhikou password", they can automatically add friends after opening the payment shell.
I heard that this password has been popular on WeChat, everyone is sharing it, and everyone wants to collect all 5 blessing papers.
Then Penguin took action and blocked the "squeak command"."
"This is poaching the foundation of other people's penguins. How can Bonima not take action?" Zhang Yida commented with a smile.
"However, Penguin has never given up on e-commerce, and Ahri has always had a "social dream."
It's perfectly normal for the two of them to fight.
Just tell me, in the mobile Internet era, how many "endorser wars" have they fought. Didi and Kuaidi, Magnesium Tuan and Dianping, Huimin and Hello..."
Zhang Yida complained a lot, and then murmured to himself: "If there is a suitable opportunity, I would also like to socialize."
"You can just talk to me about this kind of thing." Lin Zhenyang sighed, "Don't let the Penguin people hear it. We can't fall out with them now."
"I know it well." Zhang Yida nodded, "But I really have this idea."
"We don't have social genes?" Lin Zhenyang hesitated for a long time before spitting out this sentence.
"Damn, bullshit social gene, this sentence is the same as "divine right of kings", brainwashed by the rulers."
This metaphor was quite vivid. Lin Zhenyang asked again: "Then what advantages do we have in socializing?"
"Have you forgotten our university alliance?" Zhang Yida reminded.
"You mean, started on campus?" Lin Zhenyang became interested and asked.
"Yes, the university alliance helped us promote merchants, and the promotion is almost done. I'm wondering if it will be changed into a college student APP that integrates campus dating, recruitment, and other campus services?"
Lin Zhenyang slapped his thigh and said: "Your method is good, why didn't I think of it? There are 20 to 30 million college students in school. After a few years of development, including those who graduate every year, the number will be 50 to 60 million."
It’s not difficult.”
"If we do this, will it arouse the hatred of penguins?"
Lin Zhenyang was a little worried. Ah Li now hated Ruixiang deeply. If he turned against Penguin again, even though China is big, there would be no place for Ruixiang to gain a foothold!
“If we insist on only focusing on the vertical segmentation of campus social networking, we will not be able to shake Penguin’s foundation.
But what exactly would the penguin think? It’s hard to say.
Ruixiang is still inseparable from Penguin's traffic guidance. Pinduoduo and DouShi have not yet grown up. When they grow up, they can grab more users' usage time, and they may not be afraid of falling out with Penguin."
"Let's take it easy for now! Social interaction is the foundation of Penguin. If you want to dig up his ancestral grave, can he not be impatient with you?"
Lin Zhenyang felt that if he wanted to have a social event on campus, he had to think carefully about it. If he acted recklessly, the platform might not be launched and he would offend Penguin, which was not worth it.
Zhang Yida said: "I'm just letting you know about this, and I haven't told anyone else. We really can't rush into it. To do it, we need the help of Dou Shi."
The current dithering is still far from the dithering in my mind."
"No, TikTok is already very popular, okay?" Lin Zhenyang asked again, "What do you think of TikTok? I think many people are using this addictive APP now."
"DAU should break 400 million, domestically!"
Lin Zhenyang scratched his hair and said: "Your goal is too big. Touronghui's current DAU has not exceeded 200 million?"
However, when he saw Zhang Yida's calm and composed look, he quickly praised him again: "However, I think it is still possible. My silly wife plays TikTok for several hours a day, holding her mobile phone and giggling all the time.
If dithering continues like this, there is absolutely nothing wrong with 400 million DAU."
"Okay! Just watch!" Zhang Yida knew that Lin Zhenyang didn't believe it, so he only said polite words.
Except for myself, no one else, including Zhang Lan, would have thought that DouShi would be so popular in the next few years.
"Oh, by the way, this year we did not renew our contract with the CCTV Spring Festival Gala. Leech Financial won the red envelope interactive cooperation with them."
When Lin Zhenyang talked about this, he looked unwilling.
"We can't always occupy it. We have already cooperated with the Spring Festival Gala once. If we cooperate again, the effect will decrease.
The landowners don’t have enough food left, so they have to be efficient when throwing away coins. You’re not really stupid.”
Lin Zhenyang smiled and said: "What you said is like a tongue twister. I know that the effect of cooperation will be reduced if we continue to cooperate. I just feel a little unhappy seeing Leech Financial being so popular this year."
"Then we have to turn our dissatisfaction into strength. Leech Financial is still so far ahead of us. We are the ones chasing us and we cannot underestimate others."
Zhang Yida's tone was a bit serious. He felt that Lin Zhenyang was a little too arrogant. You, the third in the industry, dare to look down on the boss. There is something wrong with your mentality!
Lin Zhenyang also put away his playful smile and said seriously:
“Penguin has also launched the “Smart Pay with Golden Joy” Spring Festival themed marketing campaign, and also cooperated with offline stores to send out cash red envelopes and 50 million WeChat blessings. The blessings include WeChat payment vouchers of up to 188 yuan, movie coupons and phone bills.
Voucher.
In addition, it is reported that 300,000 offline stores, including the top ten cities across the country, will join hands with WeChat Pay to jointly launch activities such as "Grab Red Envelopes", "Lucky Gold", and "National Nuggets", covering transportation, catering,
Clothing, supermarkets and other industries."
"It's coming with such force!" Zhang Yida sighed with emotion, then turned to ask Lin Zhenyang: "What plan have we launched here?"
“We sold the advertising space on the back of the Wufu Fu Card to companies such as Procter & Gamble, Coca-Cola, etc. We didn’t keep any of the tens of millions in advertising fees we received, all of which went into the cash red envelope pool on New Year’s Eve;
In addition, we have also placed offline advertisements for Mobao Pay in bus stations, train stations, airports and other crowded places during the Spring Festival. Scan the QR code to pay and you will receive a red envelope with a payment discount;
Online, a large number of Internet companies, including Huimin Bicycle, Pate.com, and Magnesium Group, have kindly sponsored us with vouchers and coupons.
During the Spring Festival, after paying with Mobao, a scratch page will appear. Users have the opportunity to scratch cash or vouchers and coupons provided by various Internet companies.
The above are subsidies for C-end consumers.
For B-side merchants, we have carefully selected 1 million merchants from tens of millions of cooperative merchants with excellent past cooperation results, and provided them with "incentive funds" subsidies.
Every time a user uses Mobao Pay to spend more than 2 yuan at the merchant, the merchant can receive incentives ranging from a few cents to a few yuan..."
After hearing this, Zhang Yida frowned. The C side also needs subsidies, and the B side also needs subsidies. Even if the family owns a mine, they can't support it.
There are four main incomes from mobile payment: interest on capital deposits; service income including access fees, technical service fees, and transaction commissions; income from financial products such as Lingqianbao and Yu'ebao; and information income such as mining user transaction information, analyzing consumer behavior, and realizing
Precision marketing.
At present, the main revenue of Mobao Pay comes from the first, third and fourth items.
The second item, trading commissions, is now free for everyone and they dare not charge it at all.
The first item, capital precipitation, has always been a side ball. The blade of financial regulation may one day fall upon it.
Compared with Ali Taobao's merchant collection and payment process, Mobao Payment's fund settlement time is very short, most of which only takes one or a few days.
This is different for e-commerce companies such as Taobao, which requires the buyer to confirm receipt of the goods before allocating funds to the seller.
Taobao is also a thief. The window reminder to remind buyers to receive the goods is very inconspicuous, and many users will not click to confirm receipt.
If the buyer does not confirm receipt of the goods, it will take up to 15 days from the moment of shipment before Taobao will default to receiving the goods and the money will be transferred to the seller's account.
In a way, this design optimizes the shopping experience for buyers, but for sellers, it is not so enjoyable.
Ah Li is holding their lives tightly. If they want to sell fake goods or have poor service attitude, they have to take it easy. After all, the money hasn't arrived yet, so they have to pretend to be grandsons when they should.
The most important thing is that after 15 days of capital accumulation, Paypay’s mouth is full of oil!
Mobao Pay is similar to WeChat Pay. Most of the partners it cooperates with are offline merchants, and accounts are received in real time. As soon as the money arrives in the account, many users buy Wealth Management Pass or Coin Treasure, or withdraw cash, and the time for fund accumulation is far less.
Happy paying bei.
"Okay, the subsidies cannot be stopped. We must continue with tears in our eyes."
When Zhang Yida said this, he felt quite helpless. Mobao Pay is too important to Ruixiang, and other businesses make money to support it.
At the same time, the traffic gathered by Mobao Payment has been generating revenue for other businesses.
Everyone is in a complementary relationship, and no one can live without the other.