As early as June last year, Yu Bao launched a current fund management service with Tianhong Fund as a fund manager, and because the amount of funds gathered overnight reached trillions, it shocked the domestic banking community and caused a lot of turmoil at that time.

Small and micro payment finance as a similar product of Micro Tuo is also trying to launch some financial services, but because of the late start of cloud computing, Micro Tuo's technical strength is not as strong as Alibaba, although in the past two years to increase investment to catch up, but this is not a problem that can be solved immediately by spending money.

As a payment tool, micropayment is not lagging behind Alipay in application scenarios such as food delivery, life services, and offline payment, but it is inferior as a financial company on a larger scale.

If there is a fund security problem in micropayment, it will directly affect the transfer of friends between WeChat users, and the WeChat ecosystem is also based on payment.

Therefore, Wen Xiaoguang is not responding to this crisis as the boss of micropayment, he is also the founder of Microtop.

If there is really a problem with micropayment, legally speaking, Weituo does not have any obligation to protect this company, and Weituo's investors can shout very reasonably: we want to terminate the cooperation with this company, use Alipay instead, and spend some money.

Anyway, there is a need to pay for micropayment.

Some people didn't understand Wen Xiaoguang this night, and thought it was too much of a big deal, but if you stand at the level of Micro Extension, you will know that even if you lose all the money in Micro Payment, as long as you can restore consumers' trust in Micro Tuo, this deal is cost-effective.

To put it bluntly, Wen Xiaoguang is trying to survive with a broken tail.

I don't care if I lose so much money, whether micropayment can still live, let's pay it first.

It was destined to be a night of horror.

Wen Xiaoguang's own phone has been blown up, and at the moment of crisis, shareholders are the fastest group of people to get rid of you, and the investors of Weituo immediately began to ask him whether micropayment does have major security risks.

If it exists, Weituo must quickly sever the relationship with this company, whether it is business or public opinion.

Wen Xiaoguang sat in the conference room on the 18th floor, in front of the entire crisis response team, in front of Fu Youxuan, and said his decision, that is, once micropayment does not pass the security technology level, then Weituo will abandon the company and seek cooperation with Alibaba.

At this time, if you run to cooperate with others, you will definitely be cut meat, but Wen Xiaoguang can't care so much.

It was also because of this loosening that he was able to appease others.

Many people in micropayment were frightened, and no one expected that Mr. Wen's means of dealing with this crisis would be so intense.

"The crisis is also manifested in the fact that if we can't restore users' confidence in micropayments in the short term, then more users may have problems learning about the security of their accounts after dawn, resulting in a large number of users transferring their balances and the company's capital flow may be broken. ”

Because in the past year, micropayments have also been acting as a financial company, providing loans to some people.

This is the same as the bank's principle, the money lent out by the bank is the user's savings, and all the savings users go to the bank to withdraw money at the same time, and the bank will be finished in an instant.

Xing Zhen took advantage of Wen Xiaoguang's phone call and tried his best to tell the boss in plain language that our technical bottom layer is safe, and this time it is just a loophole, which does not mean that micropayment is completely unable to protect the user's account security.

"What is the reaction of public opinion?" asked Wen Xiaoguang.

Song Yiqiu has been maintaining a presence on the Internet, and said in surprise: "The response of our handling methods is still quite positive, and the quick and direct compensation is what they are most concerned about, Mr. Wen, you see." ”

She showed Wen Xiaoguang the comments under the announcements on several platforms,

Basically, it shocked some people, especially the 2.06 million proof that has been transferred is still working.

'Awesome', 'Husband is domineering', 'I have to compensate for my loss', 'Be brave and take responsibility, go straight to the core of the problem, and have no clichés'.

There are a lot of things like that.

Of course, public opinion is always two-sided, and in addition to these, there are also some doubts, such as 'If something goes wrong, can you remedy it?', 'Can you afford to pay for micro-payments?', 'I'd better take out the money first, I can't afford to take this risk'.

This is a security crisis,

In fact, it is also a crisis of confidence, the security technology of micropayment has a basic guarantee, in fact, to solve this crisis is to users still have confidence in micropayment.

After reading it, Wen Xiaoguang instructed: "After dawn, CCTV will definitely report, you go to contact CCTV, arrange a reporter to come over before six o'clock, and I will make a formal response." The forty-six people couldn't call in the middle of the night, and everyone else slept. During this time, we can't make an announcement and do nothing. ”

"In addition, although I said that for this fact, today's headlines will not be blocked, but the rumors started in chaos, and now the situation is chaotic, there must be all kinds of nonsense on the Internet, in response to rumors, we want to block them, and second, there are convincing official information release channels. ”

"This information release channel is in today's headlines, and it will be launched immediately to make a special report on micropayment, and all first-hand news will be sent from here, especially the forty-six stolen people, and we will send out every compensation transfer certificate. ”

"Good. ”

Eventually, it dawned.

At six o'clock in the morning, without any accidents, the "Morning News of the World" of the 13th Central Committee began to broadcast the theft of tens of millions of funds that occurred in the middle of last night.

It doesn't involve politics, CCTV is still relatively objective, and how things are developing, it is eloquent, and it does not add oil and vinegar.

There are also pictures on the TV screen of reporters running to Weituo to interview Wen Xiaoguang on the spot.

In the face of the crisis, some companies try not to respond and find ways to suppress it, while Micro Tuo invites reporters to come to the interview as soon as possible, and we have to respond.

The speed of time can change the course of things in a big way.

At six o'clock, there was already a picture of Wen Xiaoguang's speech.

The matter is still inconclusive, CCTV did not make an evaluation of 'rapid response', or the key to user safety.

The Weituo building in the lens is early in the morning, Wen Xiaoguang in front of the microphone first introduced the response announcement released, and added a supplement, he wanted to make it clearer, "I heard this report at 11 o'clock, I came to the company half an hour later, and at 12 o'clock we made a commitment to fully compensate users for every penny of loss, and we have already implemented it." ”

"From the perspective of time, it is very quick to come up with a solution in an hour, but some users think that if micropayment continues to lose money like this, it may face an existential crisis for the company, what do you think about this?"

Wen Xiaoguang nodded, "I think this point of view is in line with the point, that hour can completely decide whether we live or die, as for how much we lose if we continue to lose like this, this is not currently in the scope of consideration, if in fact more than forty-six users bear losses, they should be compensated no matter what." I announced the establishment of a long-term annual compensation of 200 million yuan, which is to tell the users of micropayment that we will bear your losses. ”

"When the day dawns, we will contact the stolen user directly through the police, the whole call will be recorded, please be supervised by netizens, and the micropayment will definitely not let the user suffer a penny of loss. ”

This interview has been recognized, and the image of micropayment taking responsibility is up, and the next thing is whether it can really be done.