Three days after Mimuzi jumped to Sina Blog, at a Facebook executive meeting, Cai Congxin finally asked about it.

"After Mikiko leaves, does it have any effect?"

"I don't see that our daily active users are still stable, and the growth of new users is still not slowing down. But...... Sina Blog's growth momentum is quite strong, as if it has added more than 10 million new users in the past three days. The Director of Operations reported.

Cai Congxin's face remained unchanged, he just nodded slightly, and said: "Don't worry about this, Sina Blog's propaganda offensive is very fierce these days, people have thrown so much money and resources into it, and the growth of new users is normal." ”

"So we're not going to do anything, and watch them hype up and grab new users?" asked the director of operations, a little unwillingly.

"Do our own thing, go at the same pace, and ignore the competitors, who are still far away. Only those with equal strength are called competitors, and what kind of competitors are those with too big gaps? Cai Congxin said with a smile.

............

When there was a change on Facebook, Yu Wenfei was personally presiding over the preparations for the launch of WeChat and WeChat Pay.

Shanghai Pudong Development Bank has also made preparations, the branches in various provinces have been prepared, the credit card issuance channels are also appropriate, and the online banking system has passed repeated tests and is ready to go online at any time.

So, the first thing to do next, is to get the domestic e-commerce side. This includes the earliest e-commerce companies in China, 8848, eBay, Dangdang, Excellence, and of course, Alibaba and Taobao!

Because online banking is online, you must always have a use scenario, otherwise, what will users do with online banking?

E-commerce is the best use case.

When there is no online banking, it is not easy for e-commerce companies to do business, and when users buy goods on the website, payment is a very troublesome thing.

Generally, it is through remittance, or the purchase of point cards to recharge accounts, etc., to buy what you want to buy in a big circle, so online payment also restricts the development of domestic e-commerce.

In fact, in 2003, it was not that there was no online banking, in fact, there was, but the online banking system of several large state-owned banks was extremely difficult to use, and it was not promoted at all, and basically not many users were using it, including those e-commerce websites, which were not connected to the online banking system, and could not be paid directly through online banking on the e-commerce website.

The launch of the online banking system of Shanghai Pudong Development Bank will definitely be greatly welcomed, because Shanghai Pudong Development Bank supports direct payment on e-commerce websites, and users do not need complicated procedures, they only need to bind bank card numbers on your e-commerce website accounts, and enter the payment password, and you can buy goods at will.

In the middle, a lot of procedures have been saved, and it is the first time that the bank has put down its shelves and actively embraced the e-commerce industry.

To promote the online banking of Shanghai Pudong Development Bank, it is natural that Yu Wenfei does not need to go out in person, and Shanghai Pudong Development Bank has its own team to carry it out, and now it has begun to contact and negotiate with those domestic e-commerce websites.

As for WeChat payment, Yuwenfei is not busy promoting it for the time being.

As long as the major e-commerce websites accept the online banking payment of Shanghai Pudong Development Bank, it will not be difficult to promote WeChat payment in the future.

..................

On July 18, a large banner appeared on the homepage of Facebook, which has not been seen for a long time.

In a high-rise office building in Pufa New District, Xiaobai is an office clerk, and she is not busy at work, so she often has time to be lazy and brush Facebook when she goes to work.

I had just finished the work at hand, stretched out, made a free cup of coffee, and sat down at my desk.

Click on Facebook, prepare to brush for a while, and take a break.

To her surprise, as soon as she opened the homepage of Facebook, she saw the huge poster that occupied the entire computer screen.

On the screen, it is a half-length photo of Yu Wenfei, who is holding up a small bank card with one hand with a smile on his face, and the advertising slogan next to it is "The first credit card for young people!"

My cousin is all advertising?!

Xiaobai was surprised, and of course he was also interested.

"Young people's first credit card"?

Of course Xiaobai knows what a credit card is, but she hasn't handled it.

Because most people at that time did not accept credit cards, the newspapers were saying that this was a means of capitalism to deceive the working people, make you overdraft consumption, magnify your **, and eventually lead to chaos in your life.

The hard-working Chinese have always had a fine tradition of saving, and if they earn 1,000 yuan a month, they will only spend 500 yuan at most, and the remaining 500 yuan will be directly deposited in the bank.

Because it is necessary to consider the problem of buying a house in the future, the problem of getting married and having children, the problem of career, the problem of emergency when sick, and the problem of pension......

Hey, there's so much to think about!

If you save money too slowly, how can you get any credit card and overdraft consumption?

The bank is trying to cheat its own money, it is too unconscionable, and it must not be deceived!

This was how most people understood credit cards at the time.

Of course, at that time, many banks did not actively promote the credit card business, and were still in a wait-and-see state.

Yu Wenfei appeared directly on the camera this time and personally endorsed the credit card, which really surprised Xiaobai.

She reached out and clicked on the banner ad, entered the detail page, and took a serious look, what kind of credit card is this, why does Yu Wenfei say that this is the first credit card for young people?

On the advertisement details page, of course, it is an introduction to the SPD credit card.

This card has several highlights, which are also not available in other bank credit cards.

1. The annual fee is free of charge.

This is not a joke, credit cards have an annual fee, although later, basically the annual fee of the general card is waived, but at the beginning, every bank credit card has a lot of annual fees. Basically, they all start at 600, and many even cost 2 or 3,000!

Because in the eyes of banks, credit cards are a value-added business provided by banks, which requires a lot of manpower and facilities, and also needs promotion costs, which of course have to be borne by users.

2. Support online payment.

In other words, the SPD credit card has the function of online banking, which is a precedent for the domestic banking industry! In the past, online banking could only be handled through a savings card, which means that you can only make payments if you have money in your account. Now, you don't have any money to spend, you just need a credit card!

3. Low application threshold.

As long as you have a stable job, it doesn't matter if you are a civil servant or an employee of a company, even if you are an employee of a private company, you can apply.

This greatly lowers the threshold for applying for a credit card, and other banks want to apply for a credit card, but the procedures are simply too troublesome. The work unit is not good, so I can't apply. The salary income is not high, and it is not allowed to handle it. If the bank deposit does not reach a certain amount, it will not work.

............

After reading these, Xiaobai actually has some ideas in his heart, it seems that this Pudong Development Credit Card is not bad......

She is a small white-collar worker, her income is not high, and it is not low, and sometimes there is a situation where she wants to buy something very much, but she does not have enough money for a while.

I asked someone to borrow it, and I was too embarrassed to ask.

If you get a credit card yourself, will you be able to solve this situation?

This card is free of all fees, as long as you repay on time, you don't need to pay a penny extra.

Regarding the introduction of SPD credit card, there is also below, Xiaobai will continue to look down.

"The Bank has reached cooperation with major e-commerce websites, and only need to bind this card to the e-commerce website to directly pay for shopping, and the list of cooperative websites is as follows......

Here is a large list of website names, Facebook Games, 8848, eBay, Dangdang, Excellence, Taobao, Ctrip, etc.

Basically, it covers all the websites in China that need to be paid for!

This is even more attractive, Xiaobai was pleasantly surprised to find that there is a dangdang network on it, she is a girl who loves to read and likes to buy books very much.

In the past, I used to go to Xinhua Bookstore, but after all, Xinhua Bookstore has a limited area, and it is impossible to buy all the books I want. Later, she discovered Dangdang.com, here, not only is it much cheaper than Xinhua Bookstore, but more importantly, the books are very complete!

Basically, all the books you want to buy, you can find them here!

However, in the past, it was still more troublesome to buy books on Dangdang, and the problem was payment.

But now, as long as you have a credit card, all the problems are solved.

A must!

Xiaobai secretly made up her mind, there is a branch of Shanghai Pudong Development Bank near her office building, Xiaobai is going to ask how to handle it when she is ready to eat at noon, and if she can, she will apply immediately.