Chapter 306: 2,000 trillion electronic payment market
Among them, the first to benefit the most is the series of products of Huanyu Technology.
Including YY coins, Legend World, Bubble Hall, Fantasy Journey to the West...... The number of recharges is increasing rapidly.
It's easy to understand.
In the past, there were actually many people who wanted to charge YY coins, but many people felt that it was troublesome, so they didn't charge it.
There are also people who don't find it troublesome, they just don't want to charge.
But now there is such a fast way to recharge, as long as you click it, such a recharge is completed by accident. Many times, it may just be a thought, which also improves the efficiency of recharging on the other hand.
Even if I still don't want to charge it sometimes, but the ghost makes God almost click it, and it is charged.
Affected by this, major Internet companies have also sent representatives to cooperate with Huanyu Technology.
This payment system is so convenient, several times more convenient than the previous one-card.
Especially before there were some companies that did not cooperate with Huanyu Technology on the card, and this time they couldn't sit still.
Cooperation is required.
Even if it costs a certain amount, cooperation is required.
If there are companies that still do not want to cooperate with Huanyu Technology, I am afraid that there is no place for him in the future of the Internet.
In this regard, Huanyu Technology is also a wide open door and welcomes all enterprises to cooperate with it.
Even if it is Penguin, Huanyu Technology has not banned it.
It's just that Zhang Jianming and Li Nan have some opinions on this.
"Mr. Chen, why do we still accept the cooperation of Huanyu Technology?"
"Why, I hate penguins so much. ”
"Mr. Chen, it's not a question of hate, we are direct competitors with Penguin, and we finally defeated him, how can there be a reason to open channels to them. ”
"You guys. ”
Chen Yu smiled and said: "The penguins didn't die so quickly, even if our Internet café payment channels don't cooperate with penguins, they can still hold on for a while." Furthermore, since we choose to be open, we will be open to all enterprises or individuals who meet our conditions, and we can't just not open it because it is our competitor. Moreover, payments will be one of our core businesses in the future, and we must be open to everyone. ”
Although the current Internet café payment system is also very convenient, it has not yet taken shape.
He is not the best payment system for Chen Yu to make.
In the future, the payment system that Chen Yu wants to build will be the same as WeChat payment and Alipay payment.
Or even more.
Ruth took it one step at a time, though.
For the time being, no payment license has been issued, and the progress of Huanyu Technology's cooperation with major banks is also very slow.
Last time, Zhang Jianming negotiated with a leader of industry and commerce to fully connect to the industrial and commercial online banking, but the industry and commerce said that it was still studying.
The duration of this study who knows how long.
It may be 1 year.
Yes, but two years.
It's possible in three or five years.
But now that Chen Yu is engaged in the Internet café payment system, he has temporarily bypassed the bank.
He doesn't need a bank to complete the payment.
But this is not perfect after all, he is still in the initial version.
The premise of the user's payment is to pay a deposit to the owner of the Internet café, and the owner of the Internet café must first deposit a sum of money into the Internet café payment system. Although this is not particularly troublesome, but with the popularization of personal computers in the future, where will everyone run to Internet cafes every day?
Therefore, Chen Yu must get all businesses and individuals to accept the Internet café payment system first.
When they accept it and get used to it, Chen Yu will launch the 2.0 version of Paypass.
In this way, the payment management system of the Internet café can not only make a perfect transition to Alipay, but at the same time, when negotiating with banks in the future, Huanyu Technology also has the capital to bargain.
In the words of Mr. Ma, that is, if the bank does not change, then I will change the bank.
Now Chen Yu, although Mr. Ma was so awesome in his previous life, he has now bypassed the bank.
"Mr. Chen, but our payment system doesn't make a lot of money. ”
The payment function is just a function, and although there is also a channel fee, it is very small.
If you make money from this, it's not as good as a game.
"Now it's a little less, after all, the amount of online payment is not large. Can you guess how much we will reach in the next 10 years?"
"...... in the next 10 years"
Zhang Jianming and Li Nan thought for a while.
Zhang Jianming said first: "If you don't consider the electronic payment on the bank's side, on our side alone, the maximum amount of payment in our Internet cafes this year is 5 billion, and it may not even reach it." ”
Although the Internet café payment system is convenient, not everyone will use it.
Moreover, major enterprises also have their own payment channels, so the amount of Internet café payment is not large.
"In addition, our channel fee is too small, only 1%, and we can't even earn 100 million a year. ”
Speaking of which, this is not enough for the development cost of the Internet café management system.
At that time, Zhang Jianming proposed that the channel fee should be overcharged, after all, the channel fee of the card is the least 5 points.
And the rebate to the owner of the Internet café is a bit high, and there is nothing to be gained from this business.
But Chen Yuzhi said that the cost of electronic payment is not large, and 1 point is already very profitable, and Zhang Jianming can't help it.
Of course, the reason why Chen Yu said this is not because he doesn't want to make this money.
has an Internet café payment system, not to mention 1 point, he can collect 10 points.
It's just that if this is too much, other companies will definitely be jealous.
This is a red eye, and some other companies have also developed various Internet café payment systems.
Isn't this just a way to find a competitor for yourself?
Taking advantage of the fact that they have not yet discovered the potential of electronic payment, Chen Yu would rather make less money and open up the market first.
"In the next 10 years, I expect to reach 100 billion transactions. ”
This is Zhang Jianming's prediction.
Chen Yu asked Li Nan with a smile: "Li Nan, what do you think?" ”
"I'm a little more than Mr. Zhang, probably 200 billion. If it is calculated according to 200 billion, it can be regarded as a slight profit. But this also has to remove our operational, R&D costs. ”
"Alas, forget it, don't guess, I guess you won't be able to guess if you die. ”
Chen Yu shook his head helplessly.
He thought that Zhang Jianming and Li Nan had a good eye, but he didn't expect to guess so much.
It's still 200 billion.
Chen Yu really wanted to tell them that 2000 would be followed by 10,000.
Right.
That's right, 2000 trillion.
This is the total scale of electronic payment in the entire country in 2018.
Even if Chen Yu's payment channels cannot occupy all, he will have to occupy the most important part in the future.
Think about it, thousands of trillions of yuan a year are paid through your payment channels...... What kind of scene was that?
Not to mention the channel fee of 1 point, it is 0.1 point, 0.001 point channel fee, which is also extremely terrifying.
"Okay, that's it. ”
I didn't explain much.
The electronic payment market is really not something that can be explained in one sentence or two.
I'm afraid that Mr. Ma back then, he didn't expect that his Alibaba would be able to change the payment method in the whole of China.
Take your time and watch slowly.
When the future continues to create miracles in front of them step by step, Zhang Jianming and Li Nan will naturally understand.
Just like the subscription on the side of YY music.
Previously, "Mice Love Rice" had only 10,000 subscriptions.
However, as soon as the payment function of the Internet café was opened, the number of subscriptions for the rat love rice was like a volcano.
"100,000. ”
"200,000. ”
"500,000. ”
"1,000,000 ......"
Yes.
You can't even think of it.
The original 10,000 subscribers exploded to 1 million in an instant.
"Oh my God, brothers, the rat loves rice subscription has gone up to 1 million. ”
"It's crazy, it's crazy. ”
"Awesome, you guys are so powerful. ”
Looking at the subscription in the background, Wang Qiwen almost wanted to scream.
"Hehe, don't get excited, we only spent 1 cent. ”
"yes, if I don't support it for a cent, I feel red. ”
"Anyway, I've just supported the genuine version. I wanted to support it before, but I couldn't find a place to support it. Well, now, the Internet café is directly supported. ”
"Yes, yes, I also subscribed through the Huanyu Internet Café Management System in the Internet café. What, big brother, we can support the genuine version at any time in the future, and sing a few more songs to wow?"
The pricing for 1 cent is really low.
Low enough that anyone who is online can support a wave.
Not only can they support one wave, they can also support you in 10 waves, 100 waves.
It's just a pity that Wang Qiwen only has one song about mice love rice for the time being, and they can only support it once first.
However, Wang Qiwen only has one song, it doesn't matter if mice love rice, and there are a series of other singers.
For example, the incense that has also exploded recently.
Xiangxiang also recently covered the song Mice Love Rice, but because Xiangxiang is a woman, this female version of "Mice Love Rice" has also won the public's love, and the number of subscriptions has exceeded 300,000......
Of course, not only the song of mice love rice, but also another song of Xiangxiang's "Song of the Pig" is also a song that is popular.
And that's not the end of it.
This was followed by a song called "Two Butterflies", which was also circulated on the YY Music Network.
Then there was another singer named Tang Lei, whose "Lilacs" became popular all over the country for a while.
"YY Music Network has been so awesome recently, and there are explosions at every turn. ”
"Well, first the mouse loves rice, then the pig song, and now the lilac comedy. ”
"I suddenly realized that all the songs I've been listening to recently are from YY Music Network. ”
The popularity of a YY music network song can't say anything.
What about the two, 3, and 4 songs?
Why is this happening?
In fact, it is also very simple, and that is because of the success of the VIP subscription model.
Ordinary singers finally have a music website where they can publish their songs and sustain their lives.
Although not all of the singers' songs are hits, as long as you have a certain talent, some of the songs you upload can get the support of a certain audience on the YY music network. Even if this support is only a few hundred or thousand, he can more or less allow these singers to survive.
The life is guaranteed, and the creative standards of many singers have also risen.
At least the number of songs written has become much higher than before.
Among so many songs, there are always some songs that can resonate with netizens and eventually become hits.
For example, there was a singer called "Knife Wolf" just now, who was also attracted by the VIP subscription model of YY Music Network, and stationed at the station and published a song.
The song is called "The First Snow of 2002".
This is a song written by the knife wolf when it was snowing the other day.
It was also the first snow in the area where the sword wolf was located in 2002.
Looking at the heavy snow, the knife wolf felt it.
All right.
Not much to say.
The First Snow of 2002
Everyone who has heard it knows that another hit song has appeared.