Chapter three hundred and seventy-two heart-wrenching small goals
Someone in the audience asked: "Mr. Zhang, Ruixiang has changed its name to Digital Technology Group. Is it carrying out de-financialization?"
"No," Zhang Yida shook his head and chuckled, "The financial industry is just one of the many industries that Rui will serve in the future. In addition, there will also be IT, retail, agriculture, etc."
"Then what does it mean that Ruixiang holds many financial licenses besides trust?"
This question was very tricky, and many people looked at Zhang Yida on the stage with gloating to see how he would answer.
Ruixiang holds more than one billion financial licenses, which is no secret in the industry.
The self-media has already taken stock, and Ruixiang holds no less financial licenses than Penguin and Leech Financial Services, and even many more than Qiandu, Goudong and the others.
He says he doesn't do finance, but he is very honest in his body. Are you, Zhang Yida, willing to give up such a profitable business?
"A financial license is a necessity for us to connect users. For example, without a payment license, how can Mobao Pay conduct business?
Operating without a license is illegal."
After making a small joke, Zhang Yida solved the problem.
Users in the audience also thought it was reasonable. Without Mobao Pay, Ruixiang Group would be as big as it is today?
Isn't this a joke?
Engaging in finance and engaging in digital technology are not contradictory, right?
"Is there any connection between Ruixiang's transformation into a digital technology group and the launch of Ruixiang's mini program?"
"Yes," Zhang Yida nodded, "Ruixiang will provide many more products and services in the future, and the mini program is just the first step."
"Can you tell me specifically about the production methods and applications of mini programs?"
Zhang Yida said: "Okay, then I will elaborate on it.
There are two ways to make mini programs. The first one is the merchant's self-development model. The merchant logs into the Touronghui platform by himself, downloads the IDE for coding and debugging, and submits it for review and approval before it can go online;
The second is the third-party development model, including template development, plug-in development, and agent development...
For specific applications, let me take the fund industry as an example!
Tool-type small programs, such as a fund company making a rate of return calculator to help users calculate accounts;
Activity-based small programs, such as making a fun game, can attract users to buy funds;
Service-type mini-programs can help fund companies attract fans by doing some market analysis and investing in educational products.
Before the mini program came out, the six major financial supermarkets could only use Touronghui’s user base to operate traffic within the APP;
But with the emergence of small programs, financial supermarkets have found ways to break out of investment and financing, breaking the original traffic barriers.
For example, partners can use pictures and QR codes to send promotional posters to other Internet platforms, which can attract more traffic..."
Many viewers in the audience laughed. This is to arm everyone and go to major Internet platforms to "steal" traffic. If you do this, I'm afraid you will be banned!
“In addition to the six major financial supermarkets in the platform operation business group, Ruixiang also has four major business groups.
Including Mobao Pay, Mung Bean Credit, Yongbei, Daibei, Coin Treasure and many other products.
Will Ruixiang open these products?"
This was a good question, and Zhang Yida glanced at the questioner appreciatively.
He slowly said: "Ruixiang has five major business groups, one of which is called the Open Technology Business Group.
The open technology business group Mobao Payment, Mung Bean Credit, Tiance Technology, Ruixiang Super Brain, Ruixiang Cloud and many other products.
Since their establishment, these products have been open to cooperation with B-side companies, exporting our technology to help B-side customers better serve C-side users.
We have two products, Yongbei and Lianbei, and we have been cooperating with major banks.
Ruixiang is responsible for customer acquisition and risk control review, and the bank is responsible for providing funds.
We will continue this win-win cooperation model.
As for Lingqianbao, Ruixiang's joint-stock company Hantai Fund has been providing services before.
Next, we will introduce several fund companies to provide users with richer products.
For users, competition will lead to better products and services.
We will uphold this concept and carry out the opening up to the end!"
Awesome, many viewers in the audience understood that Ruixiang was not just talking, he really meant it.
So, compared with self-operated finance, who is more profitable? Many viewers are worried about Zhang Yida.
"Can the four independent apps of 365 Accounting Manager, Kawang Credit Card Manager, Diandianchou, and Jinniu Finance be opened?"
Zhang Yida smiled and shook his head, "These four apps provide services to users, not platforms.
On the contrary, the four companies will also join the public beta of Ruixiang Mini Program as the first batch of early adopters. Everyone is welcome to come and experience it."
"Who are the companies participating in the first batch of public beta tests of Ruixiang Mini Program? Can Mr. Zhang disclose it?"
"The number won't be too many," Zhang Yida said with a smile, "but it's not too small either. There are hundreds of them. You will know about them in a few days."
“Does Ruixiang have any policy support for developers?”
Zhang Yida smiled and said: "There must be policy support, and Ruixiang plans to launch a "spreading beans to form an army" plan.
In the next three years, we will invest 1 billion yuan in supporting partners to benefit and serve 1 million developers and 10 million small and medium-sized merchants."
One billion yuan can only be said to be better than nothing.
Many developers in the audience don't value this, but value Ruixiang's 500 million users. This is a big piece of meat!
"In addition to the financial industry, Mr. Zhang, did you say that you will also empower other industries with technology?"
"Yes, it's not just finance. Ruixiang wants to bring digital technology to more industries and users."
The questioner then asked: "Mr. Zhang, can you give an example so that we can understand more intuitively."
"Okay, let's take the retail industry and the tourism industry as examples!"
Zhang Yida added, "Ruixiang plans to release an industry solution called "Retail Pass", which is mainly to help retail companies open up online and offline CRM (customer relationship management) systems and promote new retail transformation.
Yongbei has also been developing its offline consumption installment plan, which can be combined with new retail.
Consumer installment products solve a pain point in the retail industry, which is the conflict between users' consumption desire and consumption ability.
In the future, retail companies can flexibly use the tools provided by Ruixiang to configure their own marketing activities to drive sales growth.
For example, if you use "Yongbei" to buy a certain product in a certain store, you will get a certain discount.
As for the tourism industry, Ruixiang has already reached cooperation with Ctrip.
Users with high Mung Bean credit scores will have certain convenience in obtaining visas to go abroad in the future.
For example: applying for a mung bean credit report can be used as proof of financial and contract performance capabilities when applying for visas in certain countries. There is no need to apply for tedious work certificates, financial certificates and other materials."
The audience became more and more excited as they listened, and asked Zhang Yida how to empower agriculture with science and technology.
There are so many smart solutions that can be implemented in the agricultural field using smart solutions such as the Internet of Things, big data, artificial intelligence, and blockchain.
For example: soil detection, pest and disease protection, yield prediction, livestock and poultry disease early warning, etc.
Zhang Yida focused on the Internet of Things + AI pig farming.
Wear equipment on pigs to achieve continuous temperature measurement, and then automatically diagnose the depth of the pigs through artificial intelligence algorithms.
Automatically alarm when the pig body temperature is abnormal to achieve early warning. At the same time, it can predict the best conception time and establish the best breeding model for the breeding farm.
In addition, surveillance videos can also be analyzed through artificial intelligence, eliminating the tedious steps of manual data entry.
Continuously records the behavior of each pig 24 hours a day, with functions such as pig management, inventory, personnel behavior reporting, pig movement tracking, etc., providing a complete set of intelligent visual solutions for pig farms.
The press conference ended successfully and lasted for four hours.
At the meeting, Zhang Yida announced a number of policies and presented many technologies that had been developed for two or three years.
The media, Internet, and financial circles are paying close attention to this conference.
After analyzing the content of the meeting in detail, many people came to a conclusion: Ruixiang has drifted away, stopped doing good financial business, and plans to climb the technological tree.
Financial companies are gearing up and preparing to launch two small programs to test the waters to see if they are really as good as Zhang Yida said.
Many small startups on the Internet also want to join Ruixiang to see if they can take on some development work.
The media world is even more exaggerated, and all kinds of praises are showered on their heads.
He also said that Zhang Yida has great ambitions and is not willing to be limited to the financial industry. He wants to promote scientific and technological progress, social progress, and human progress.
Stimulated by this news, Leech Financial also announced in a high profile that it would soon launch its own mini program.
Penguin, on the other hand, was more direct. It fully launched the mini program the next day, attracting the attention of society again.
Four companies, Goudong, Didi, Meituan, and Toutiao, were also brought in to discuss when to launch mini programs and compete for the third spot in the Internet industry.
According to Qiandu, the Wei Zexi incident had just subsided, and he was still worried about the plummeting stock price and ugly financial reports, and he became invisible for a while.
It’s true that I can’t keep a high profile. I was scolded badly last year and was still licking my wounds in the corner.
…
"Yida, the people below are ignorant, don't be offended!"
Hu Gang called, and his hearty laughter made people feel good.
Zhang Yida can only say that he admires this. What is a boss and a hero? Hu Gang is a good example, able to bend and stretch.
After Ruixiang held a high-profile product launch conference, it quickly completed the product replacement of Lingqianbao.
From one currency fund, Hantai Fund, it quickly became five funds, and the other four were China Agricultural and Industrial Construction.
Hu Gang was also dumbfounded. He just wanted to warn Zhang Yida and hope that the other party would relent.
As a result, Zhang Yida's counterattack was fierce. Regardless of the damage to his own interests, he arbitrarily attracted four fund companies.
Among Hantai Funds, currency funds contribute at least 300 million in profits a year.
Now that there are four more fund companies, at least 200 million in profits will be eliminated.
You, Zhang Yida, lost a small target all of a sudden. Doesn’t your heart hurt? Or are you not a qualified businessman?