After all, they wasted so much resources to promote cooperative bank cards, but it was stillborn and was inexplicably shut down.
Really unwilling to do so.
But it's obvious.
In the face of the tide of the times.
All resistance is like a worm shaking a tree.
Next, WeChat’s expansion pace was not affected in any way.
After the launch of WeChat’s new cartoon mode, no matter how hard WeChat’s competitors put their efforts into announcing and issuing cooperation cards, very few users chose to apply for the cards.
Most users who have existing cards will not consider this model at all.
And those who are aware of current affairs, such as Tianhu.
I have actively embraced the cartoon mode developed by Linmu Studio.
Not long after Linmu Studio’s WeChat was updated, they were the second to imitate this model.
Even though they deservedly paid the No. 1 title not long ago.
Thanks to Linmu Studio’s previous contacts with mainstream banks, the business negotiation process between Tianhu and the bank was not difficult.
at the same time.
Because I closely follow the footsteps of Lin Mu Studio, I am willing to put down my posture.
Tianhu has really saved many users.
After all, the users obtained through cooperative card issuance are not all fake, and it is still meaningful.
Users have all applied for a card for Tianhu Pay.
Of course, I don’t mind binding an old card to Tianhu Pay.
Although.
The number of users of Tianhu payment-bound cards is vastly different from that of WeChat...
after all.
WeChat has been cautiously expanding at a rapid pace, and has subsequently implemented various security measures to coordinate with WeChat’s payment card-binding mechanism.
It really gives users a great sense of security.
This sense of security cannot be bought by relying on propaganda.
in.
The good reputation and scale of Linmu Studio itself have also become a catalyst.
Therefore, it is really difficult to establish user trust.
not to mention.
WeChat has accumulated a huge number of users because of its ease of use.
Add these together.
Let everything fall into place.
Users subconsciously choose WeChat, and developers are willing to connect to WeChat.
WeChat, which was originally left behind by other third-party payment platforms, once again became the leader.
There is no way to change this fact.
Therefore, other third-party payment platforms, led by Tianhu, also accepted their fate.
Imitate it.
Payment reminders, verification code settings for different devices, daily payment limits...etc.
All updates on WeChat.
Other third-party payment platforms headed by Tianhu fully accepted it and began to update simultaneously.
This has once again transformed the entire market into an environment where WeChat monopolizes seven battles and other princes fight for three.
It benefits the entire market.
Because the overall security of mobile payment has been guaranteed, more and more users are choosing mobile payment, and the market size is also growing.
certainly.
Basically every user who uses mobile payment has WeChat...
There is no dispute about this.
This has also made many investment institutions and competitors become curious. How much is the current reserve fund of WeChat Pay?
How much can you earn from the interest on the daily reserve fund and service fees?
Service fees mainly come from the handling fees generated by merchants after accessing WeChat payment.
After all, Internet business is essentially just collecting rent.
No matter how noble it is.
But whether it is Lin Yao's previous Internet giant or Lin Mu Studio now.
Most of the Internet industries involved are rent collection.
The platform collects rent, and mobile payment also collects rent.
The main source of income from mobile payment is also from this source.
certainly.
There is also interest on the reserve fund.
But this, Lin Yao didn't really catch a cold.
Because he knew very well that this thing wouldn't last long.
It will disappear soon.
This is the user's money, so it's unfair and illegal, and it's suspected of violating the rules.
But just because she doesn't have a cold doesn't mean that others don't have a cold.
Why are so many investment institutions and competitors concerned about the size of WeChat’s reserve funds and the service fees?
The main thing is to make this money.
WeChat is now a unicorn in the industry.
And after a pass of simulation and model calculation.
The final result exceeded many people's expectations.
After the WeChat update, it is extremely scary in every aspect, completely beyond the scope of a game company.
In their opinion, the way WeChat operates is still too conservative.
This large amount of money... basically passed through one hand and was all paid out within a month.
Obviously, with so much capital, he can have an overwhelming advantage in negotiating with banks.
But he had no intention of taking advantage of it...
Now the mobile payment market is becoming more and more prosperous...
And mobile payment is so close to money...
Users also have daily access to…
As WeChat was discovered.
Some other ideas began to appear in the minds of competitors and investment institutions.
There are some things that Linmu Studio may need to teach.
But there is something.
There is no need for Linmu Studio to teach...
soon.
Major financial institutions have begun to actively contact existing third-party payment platforms.
Because they have an existing capital pool.
You can even choose to do it yourself.
…
"Financial Institutions?"
Linmu Studio.
Lin Yao took the information handed over by Mu Wanqing, glanced at it for a while, then was stunned, and said with a straight face: "It's the same thing again."
"Again?" Mu Wanqing felt a little strange when she heard this.
"nothing."
Lin Yao shook her head, then threw the information in her hand directly into the trash can, and clapped her hands: "Don't worry about these, whether it is lending or P2P, as long as you contact me, just hang up the phone."
"good."
Mu Wanqing nodded, responded first, and then said: "But I checked a little and found that many third-party payment platforms have reached cooperation recently.
I guess I understand that now according to the conventional channels, there is no way to surpass WeChat.
As for the related income, you have also seen that the estimates are very exaggerated."
"No matter what they do, WeChat will only assume the responsibilities of a third-party payment institution."
This chapter is not finished yet, please click on the next page to continue reading the exciting content! Lin Yao flicked her ponytail: "No matter how much money I make, I can't sleep that night...and the final price is far more than what I get."
many.
WeChat was originally sensitive enough, but now it is unique, and if we continue to engage in such nonsense, we are courting death."
"Ms. Mu, no matter how the external environment changes in the future, our WeChat will only insist on assuming the responsibility of a third-party payment institution. At most, it will use the traffic entrance as an application entrance to earn a share of rent."
"As for other things, we don't touch them, whether it's small loans, financial management, or selling insurance. These are meaningless to us."
Lin Yao started doing WeChat.
I'm not prepared to do this.
Although it does make money, it is much higher than the income related to payment.
But judging from her superficial perspective, this thing... really deceives users, and as ambitions expand, it is extremely easy to get out of control.
Here, once WeChat determines the leading position, it is not like the two worlds in her previous life.
Even if Lin Yao creates some opponents, it is probably difficult for the two heroes to compete for hegemony.
In this situation.
WeChat also does this.
Come down with that stick.
The entire Linmu Studio will be dismantled.
not to mention.
Out of personal thoughts.
Lin Yao is also not interested in this thing. If users are allowed to overdraw their future, then they are definitely sinners.
Lin Yao didn't want to be nailed to the rack of shame.
So from the beginning, she was determined.
In any case, WeChat will only bear the responsibility of the third-party payment institution.
In other words, it is only used as a payment tool.
Nothing else is involved.
"To put it bluntly, although you can make money quickly in finance, you will still have an uneasy conscience and be easily beaten."
Lin Yao paused and continued: "Rather than making changes after it hurts, it's better to avoid these problems in the first place. WeChat only needs to connect our ecology and play a role of convenience for users.
You can use some small gameplay to please users, but more are not necessary. Instead of continuing to work on mobile payment, it is better to continue to work on excellent media.”
"UMedia launches new products, which can not only make money, but also create employment. It can also facilitate users and drive the industry. It is much more meaningful than the messy money earned by WeChat Pay."
"That's true."
Mu Wanqing smiled softly.
The real economy is the foundation of a country's economy.
YouMei produces products, and the production, circulation, and services of the products are a whole industrial chain, and there are many people who benefit from it.
Even if YouMei reaches WeChat's current position, as long as it does not deliberately crowd out other competitors and use its dominant position to disrupt market competition.
There is never a risk of disintegration.
Because dismantling such a company has no meaning except that it will lose its competitiveness.
"So, YouMei is the safest."
Lin Yao turned the pen in her hand: "Instead of working hard on finance, it is better to run excellent media well. The final income may be more. Even in the game industry, the risk is lower than that of finance. Our games
It's very popular overseas, so it can be considered as earning foreign exchange, right?
We should prepare for the press conference at the end of the year and let them play by themselves. We will surprise everyone with our products...
Of course, there are also games... Look, Miss Mu."
As Lin Yao was talking, she suddenly thought of something and raised the original painting on the table.
But Mu Wanqing looked at the original painting held up by Lin Yao and fell silent.
Paint on.
A middle-aged man with wrinkles on his face, disheveled hair, and a shiny forehead in the middle, who looks a bit wretched, is holding a baseball bat and appears on the paper.
There is another sentence below.
[Things that are hidden in the dark will eventually come to light one day - Trevor Philips]
"How about it?"
Lin Yao poked her head out from behind the paper, leaned forward slightly, and asked.
"It's... quite interesting."
Mu Wanqing held it in for a long time and could only hold back this comment.
Then, after saying this comment, she immediately asked: "Didn't you always draw beautiful girls before? Why did you suddenly draw a middle-aged man..."
"New game."
Lin Yao put down the original painting in her hand and replied with a smile: "He is one of the protagonists."
"..."
Mu Wanqing moved her steps lightly, walked to Lin Yao's side, and then looked down.
On Lin Yao's desktop.
Sure enough, there are two different original paintings.
In addition to the middle-aged man just now, there are two other characters.
One is a black man with a strong street vibe, and the other is a middle-aged man who looks like a human but looks mature.
"These are the three protagonists of our new game."
Lin Yao handed the other two original paintings to Mu Wanqing: "I plan to make a story about Sin City..."
"Why do you suddenly want to do this kind of subject?"
Mu Wanqing took the original painting, looked through it, then looked at Lin Yao's profile and asked doubtfully.
"The expansion of our mobile phones overseas is still too slow."
Lin Yao raised her snow-white chin and replied with a smile: "Mobile phones are slowly iterating, and it is estimated that they can also occupy a place, but it is estimated to take several years... At this time, since our Linmu Studio has the ability, we might as well give full play to our advantages and speed up
this process!
And a game that can be very popular in Europe and the United States, may even become a phenomenon, and can also advertise on our mobile phones at any time... is the best choice!"
"..." Mu Wanqing discovered that in the original painting, the three characters were all holding Future S1, and she could probably understand what Lin Yao said.
"in addition."
Lin Yao continued: "Miss Mu, please ask the heads of the two first-party studios, Conglong and Xihan, to come to the headquarters. Although this game is the best choice, the production is too difficult and the cycle is too long.
Before that, we can first use some small games and insert them into Future S1 to continue to impress users..."
…
Linmu Studio has not accepted any invitation to negotiate from any financial institution.
But under the leadership of Lin Yao.
Start preparing for game output advertising and new product launches.
But Linmu Studio is not interested and refuses them all. This does not mean that other third-party payment platforms will also refuse.
What was supposed to come, came anyway.
It seems that the conventional channels cannot surpass the excellent media that has become the king now.
Many third-party payment platforms have begun to find new ways to focus on revenue.
To put it simply, we no longer blindly pursue market expansion, but focus on making money.
After all, no matter how we expand the market, it seems that we can’t beat Linmu Studio’s WeChat.
It's better to think of ways to make a profit first and get back the money you invested before that.
And once you have this idea.
Then the financial institution's proposal will become very tempting...
Small loans.
It began to appear on third-party payment platforms one after another.
The application conditions are simpler than those of banks.
But the interest rate is much higher.
When it comes to money, the market is huge...
And the conditions are too simple.
On the contrary, many users ignore the risks involved.
Financial business makes money, of course.
But it also allowed chaos to begin to breed.
Moreover, financial-related industries on third-party platforms are developing much faster than mobile payments.
Once you find it profitable.
As long as the third-party payment platform has existing users, there is no need to worry about money.
This also results in almost no barriers to entry.
If you want to be a third-party payment platform, you still need to compete with Linmu Studio’s WeChat for creativity and innovation.
But do this business.
But all it takes is an eye-catching advertisement and a simple application condition...
This allows the entry of third-party payment institutions.
more and more.
Even Tianhu got involved.
As for this type of financial products, at this stage, users can’t say they have bad reviews.
I can only say half positive and half negative.
It's hard to tell yet whether this is considered a bad thing or not.
To some extent, this has also become a catalyst for industrial development.
Let more companies get involved in it.
but.
Currently the largest third-party payment institution on the market, Linmu Studio’s WeChat account remains silent and has no intention of entering the game.
It’s exactly the same as the previous cooperative card push mode battle.
He looked like he wasn't interested at all.
But this time, many colleagues learned wisely.
Basically I don’t think so.
Instead, they began to worry that Linmu Studio was about to have another sneak attack.
Even if.
The heads of many financial institutions revealed that Linmu Studio did not even let anyone see them.
But most competitors are still nervous.
The funds Linmu Studio holds are even more exaggerated than some financial institutions!
This cannot be used as evidence at all!
So, while they were fighting in the new market, they also began to be wary of a sudden attack by Lin Mu Studio...
It seems that they all have psychological shadow.
And in this case.
The chaos is getting worse...
Two thousand less, I don’t know if I got infected or caught a cold. Since yesterday, I have had signs of slight fever. My whole body is so limp that I can’t raise my strength. It’s so uncomfortable...