How high the popularity of mobile phone mobile payment is in later generations, it is estimated that no one in this world knows better than Liu Xiahui, that is the era when even beggars have QR codes on their bodies.

Before Liu Xia Hui came back from rebirth, he hadn't brought cash for several years, and his food, clothing, housing and transportation were all done with a mobile phone, which was really convenient.

For the catering industry, there is no doubt about the importance of mobile phone payment, and it is no exaggeration to say that if your restaurant does not have a QR code to collect money in the future, the business will definitely make you cry without tears.

After all, after getting used to the convenient and fast mobile phone mobile payment, there are really not many people who will carry cash when they go out!

If you don't have cash, and your restaurant can't scan the QR code to pay, even if your restaurant tastes great?

Therefore, in the catering barrier built by Yanagi Hui, cashless payment is also a very important part!

What Liu Xiahui is thinking about now is whether it is better to engage in mobile payment in person, or to cooperate directly with Alipay and WeChat Pay, which are famous in later generations?

Undoubtedly, directly cooperating with Alipay and WeChat payment is the most worry-free and effort-saving, although this will be controlled by others, but there is no need to worry about Alipay and WeChat payment will have any demon moths, no matter how stupid the two overlords are, it is impossible to block you in the field of mobile payment, that is a stupid thing to kill a thousand enemies and lose eight hundred.

However, if you are not afraid of 10,000, you are afraid of what if, when there is no big conflict of interest between the two parties, Liu Xiahui's idea is normal, whether it is Alipay or WeChat payment, it is impossible to block merchants in the field of mobile payment.

But if there is a conflict of interest between the two parties, it is difficult to say!

Just like the 3Q war that broke out this year, who would have thought that Tencent would make the ultimate killer move like choosing one of the two later?

Anyone who uses 360 antivirus software, don't think about using QQ, this cliff is a trick to kill a thousand enemies and lose eight hundred, forcing users to choose only one of the two, not only will lose some users, but also attract infamy.

But in the face of a huge conflict of interest, Tencent did just that.

Then, in the face of the ultimate killer move of Tencent's behemoth, 360 knelt directly and took the product against Tencent offline.

In the field of mobile payment, let's make a hypothesis, suppose that one day Liu's Group has a great conflict of interest with Alipay and WeChat Pay, the two overlords, and then Alipay and WeChat Pay will make a similar ultimate move, completely blocking the use of Alipay and WeChat Pay by Liu's Group's industries......

Think about how big the loss of the Liu Group would be if such a thing really happened?

With the huge volume of Alipay and WeChat Pay, the loss of tens of thousands or even hundreds of thousands of merchants can be easily beared, but if the industry under the Liu's Group is blocked, the loss will be a little unbearable!

Of course, the probability of this kind of thing happening is extremely low, but it is also possible no matter how low it is.

After all, the world is changing too fast, and the two industries that were originally unrelated to each other suddenly have one day been bloodied, and Liu Xiahui can't be sure that his catering empire will never have a conflict of interest with the two Internet giants, Ali and Tencent.

Therefore, although the cooperation with Alipay and WeChat payment in the field of mobile payment is worry-free and labor-saving, it is ultimately controlled by others, and there is no way to create an ironclad catering barrier.

But if you personally enter the competition in the field of mobile payment, it is also difficult, because in the field of mobile payment, Liu Xiahui's Liu's Group cannot compare with Ali and Tencent.

Ali has Taobao, and Alipay was born to serve Taobao, and there is a natural fit between the two, so that Alipay can easily have a large number of users in the field of mobile payment.

Tencent has the behemoth QQ, which can be easily incubated, and it is also unique in the field of mobile payment, which gives it the capital to compete with Alipay.

Of course, Liu's Group is not without merit, and has at least three major advantages.

First, the number of chain stores under Liushi Group is tens of thousands, which is still very good, once involved in the field of mobile payment, these tens of thousands of chain stores are the most powerful supporters.

Second, the launch of the Laoliu takeaway APP, as long as it can smoothly open the situation and form a scale, it can also provide great help to the field of mobile payment.

Third, no one understands the future development trajectory of mobile payment better than Liu Shitahui.

With these three advantages, if Liu Xiahui wants to engage in mobile payment, even if it is not as good as Alipay and WeChat payment, I believe it can occupy a place in the field of mobile payment.

However, for how fierce the competition in the field of mobile payment is, I am afraid that no one understands it better than Liu Shitahui.

There are many powerful players in this field, including Alipay, WeChat, NetEase, JD.com, Didi, Meituan, UnionPay and so on.

Among these many players, Alipay and WeChat Pay, the strongest players, account for more than 90% of the market share, occupying an absolute dominant position, while the remaining small and medium-sized players are in less than 10% of the market, staging a brutal battle.

Meituan selects Meituan Pay by default in user payments and uses discounts to entice users to sign up, while JD.com offers a variety of payment methods such as white slips to attract users, while apps such as Didi are largely "invisible" despite having their own payment systems...... It can be said that none of them can account for more than 1% of the mobile payment market share.

Although these are business giants with hundreds of millions of users, they can't get rid of their dependence on Alipay and WeChat Pay.

Originally, WeChat Pay entered the game relatively late, not to mention compared with Alipay, even NetEase entered the game a few years earlier than it.

But it is too strong, relying on strong social attributes, backed by one billion users, and then starting a classic "subsidy war" with Alipay at any cost, spending billions to cultivate user habits, and finally forming a pattern of competing with Alipay.

It is precisely because he knows that the competition in the field of mobile payment is too fierce, so Liu Shita Hui hesitated to enter the game.

If you enter the game now, it is actually a good time point, because the real explosion of mobile payment will be next year.

As of the end of October 2011, the total number of 3G users in China has reached 110 million, an increase of 71.36 million over the same period last year, the penetration rate of 3G users reached 11.3%, and China's mobile phone users reached 964 million.

In June of this year, the central bank issued the first batch of 27 third-party payment licenses, and UnionPay, Alipay, UnionPay Commerce, Tenpay, and Fast Money obtained licenses.

At this stage, the three major operators have also set up mobile payment companies.

China Mobile established Mobile E-Commerce Co., Ltd. in July 2011, China Unicom established Unicom Woyifu Network Technology Co., Ltd. in April 2011, and China Telecom established Tianyi E-Commerce Co., Ltd. in March 2012.

In December 2011, the mobile payment subsidiaries of the three major operators obtained the payment business license issued by the central bank at the same time.

It was also during this time period that another thing that changed mobile payments appeared - QR codes.

The barcode payment service launched by Alipay marks the complete opening of the era of offline scanning code payment, and the field of mobile payment has also ushered in a real development.

If Liu Xiahui enters the game now, launches the QR code business before Alipay, and then spends money on promotion and cultivates user habits, is there a chance to become a hegemonic existence in the field of mobile payment?

You know, in the future, Ant Group, with Alipay as the core, is a unicorn with a valuation of more than 2 trillion yuan, if there is an opportunity to become bigger and stronger in the field of mobile payment and become one of the overlords, it will really make a lot of money!

At this moment, Yanagi Hui was really moved.

Before, he was just dedicated to catering, and never thought of cross-border other activities, such as real estate investment, decoration companies, logistics companies, takeaway companies, etc., all for the purpose of serving his catering empire.

It was not until now, when he was preparing to build a catering barrier, that he found that mobile payment, which he ignored, was also an indispensable part of the entire catering industry chain, and it accounted for a high proportion.

After being moved, Liu Xiahui made a decision to contact Mr. Ma first to see if there was an opportunity to invest in Alipay. If he can buy shares, then he can sit back and enjoy his achievements, and he is too lazy to bother to toss mobile payment.

After all, this thing is not so easy to do, until he is reborn, Alipay and WeChat Pay are still competing for me, and everyone wants to get a bigger cake in the future.

If you can't get into the shares, then there is no way, in order not to be restricted by Alipay and WeChat in the field of mobile payment in the future, Liu Xiahui can only enter in person and play with these bigwigs!

Thinking of this, Liu Xiahui went directly back to the room and dialed Mr. Ma's phone.

......

After the Dragon Boat Festival, Liu Xiahui personally flew to Hangzhou City to meet with Mr. Ma to discuss the matter of taking a stake in Alipay.

As expected, the result of the negotiation was decisively rejected by Mr. Ma.

If it had been made a few years earlier, maybe Liu Xiahui would have had a chance to succeed in becoming a shareholder, but now Ali is taking off, and Mr. Ma has realized the importance of Alipay, and is already planning to make Alipay independent from Ali and become a holding company under his name.

At this critical moment, how could Mr. Ma allow someone to invest in Alipay?

Since the shareholding failed, there is nothing to say, Liu Xiahui can only go down in person and compete with these bigwigs in the field of mobile payment.

Therefore, after returning from Hangzhou, Liu Xiahui immediately took action.

From the catering industry to engage in mobile payment, Liu's Group is not short of money or management talents, the only lack is R & D talents, at present, there are not many programmers in Liu's Group, only more than 100, and now it is developing and testing Lao Liu's takeaway APP according to Liu Xiahui's requirements.

For the next big move, Liu Xiahui needs a large number of R&D personnel, and now it is just the graduation season, and fresh graduates can be recruited through major universities.

So, with a wave of his hand, the Ministry of Human Resources recruited more than 1,000 outstanding graduates from major universities, from doctors to undergraduates, almost all the best programmers in this year's session.

Of course, any R&D team must have a core person, a program expert who can lead the team, and only in this way can real combat effectiveness be formed.

The current Liu's Group lacks such a program master who can lead the team to form combat effectiveness!

And this program is a big bull, after Liu Xiahui decided to participate in the competition in the field of mobile payment, he already had a very clear goal in his heart, and this goal was none other than Zhang Xiaolong, who was respected as the "father of WeChat" in later generations.

Liu Xiahui is not doing it, and he is ready to make a big one as soon as he does it, and plans to directly get it out before Tencent, and then launch WeChat payment by the way.

The idea is simple, but if it were to be implemented, it would undoubtedly drop an atomic bomb on the Internet.

At that time, the "enemy" that Liu Xiahui will face is not only Ali, but also Tencent, a giant.

After all, in the social field, Tencent will never allow another hegemon to rise, and will definitely do everything possible to suppress this opponent.

In this way, Liu Xiahui made WeChat payment in advance, which must face the joint encirclement and suppression of Ali and Tencent, and this pressure is really not ordinary.

Of course, Liu Xiahui can also not engage in WeChat, but directly use the food delivery APP being tested to launch mobile payment, so as to avoid facing up to the giant Tencent .

However, the launch of mobile payment from the food delivery app, just like Meituan Pay in later generations, will certainly not be much better.

If you are independent like Alipay, it will not be interesting to specialize in payment, after all, even if you do a good job, you can only follow Alipay to eat fart, and there is no hope at all if you want to surpass it.

It is precisely because of this thought that Liu Xia Hui decided to grab the trump card of WeChat, even if it is against the giant Tencent because of this, it will not hesitate!

The only thing that worries Liu Xia Hui is the promotion problem after the development of WeChat, after all, he does not have a huge user base like Tencent, and he can quickly convert QQ users into WeChat users.

Once WeChat is successfully developed, but it can't be popularized quickly, and as a result, Tencent will catch up, then it's too fucked!

In short, he already has the promotion plan in his heart, and what the effect will be, he can only do his best to obey the destiny of heaven.

Anyway, he has already thought clearly, if he fails to engage in WeChat, he will lose more than a billion yuan, this money is just a small amount of money for him now, and he can't even hurt his fur, let alone hurt his muscles and bones.

And if it succeeds, it will really make a lot of money.

Such a small business is a big business, and Yanagi Hui naturally can't miss it.

Since it was decided to get WeChat out before Tencent, it is urgent to dig up Zhang Xiaolong, the father of WeChat, which is not to say that without Zhang Xiaolong and Liu Xiahui, WeChat will not be possible, but with him, you can speed up the research and development of WeChat, after all, this is originally someone's work.

On the other hand, it can also weaken Tencent's strength and delay Tencent's development of WeChat.

This kind of thing that kills two birds with one stone, there is no reason why Yanagi Hui should not do it!

So, in late June, Liu Xiahui personally flew to Huadu, Guangdong Province, and began his secret poaching operation.