But now, Li Feng wants to take a step forward and establish his own payment channel before Longyu, and derive his own Internet financial system from it.

This requires the support of powerful banks, of course, the current domestic large banks are not looking down on him at all, only relying on small and medium-sized banks, taking the lead in building a convenient network payment system, on this basis to expand little by little, until all banks are encircled.

From this point of view, the current Kyushu Bank is very suitable.

Since the Bank of Kyushu is not large today, it is only a small regional bank, so it will not put too high a posture in cooperation, which is conducive to the construction of payment channels.

"Oh?" He Zhongheng's eyes flashed, and he felt that Li Feng's words were very informative, and he took a step closer, "Can you tell me in detail, this first question, how to collect savings through Internet channels? Now several large banks have indeed opened online banking services, but this is only a supplementary form of their business, and it is not helpful for collecting deposits." ”

"Internet channels are not about setting up an official website of a bank on the Internet and then doing business through this website, if you look at the problem in this way, you will think too superficially about the connotation of Internet finance. Li Feng said bluntly, "The real Internet finance is the construction of the ecosystem and the cultivation of user habits, which requires professional people to do professional things, and it is actually the most difficult for the bank itself to do this." ”

"Why?" He Zhongheng asked.

"For example, if you build a road, each bank is like a car, then the Bank of Kyushu can go on this road, and other banks can do it, and when all the banks are on the same road, the ecosystem will be built, and then it will depend on who has the smartest way to play, who can use the road and drive the car the fastest. Li Feng said, "Therefore, it is impossible for Kyushu Bank to build its own system, even if it is impossible for those large banks to be giant, only a third party has this condition and natural position." ”

He Zhongheng nodded and listened attentively.

He Guojun on the side was a little stunned, listening to Li Feng talking eloquently, the ideas and angles of looking at the problem were very clear, giving people a bright feeling.

He Guojun's IQ is not bad, he even thinks that this is indeed a good way, that is, to take the road of third-party software payment platform, so that banks can access it, if there are enough banks to access the third-party payment platform, it may be popularized on a large scale on the Internet, and even monopolize the entire network payment market.

"If there is such a third-party platform for online payment, we at Kyushu Bank are willing to try it first. He Zhongheng said.

"Uncle Ho, it seems that you are very far-sighted. It is true that some small platforms have emerged in foreign countries, with sporadic Internet payment transactions. Li Feng said, "However, there is no third-party payment company in China. To tell you the truth, my plan is to set up such a payment platform company. ”

Li Feng is very optimistic about the Bank of Kyushu, because in the future, the performance of the Bank of Kyushu is very good, and the business scale has also gone out of Jiangzhou City, throughout the entire East China region, and even in important cities in South China, North China and other places, have set up branches, from a small regional bank, to a large national bank.

If you can rely on the Bank of Kyushu to set up an online payment platform company, you can quickly get involved in the payment field of Baibao.com and build the payment platform before Longyu.

Taking advantage of the period of vigorous popularization of Baibao.com, if the payment platform can gradually become popular and replace the current relatively single online bank embedded plug-in payment method on Baibao.com, it is possible to quickly unify the entire Internet payment market and become the hegemon in this field.

The flow of money represents the beginning and end of all behaviors, so the general valve that controls the flow of money, that is, the third-party payment platform, controls everything.

"Very thoughtful and very nice. He Zhongheng nodded and gave a thumbs up, "Li Feng, if you can really create such a payment platform, we will be the first to cooperate with you at Kyushu Bank." ”

"Okay, Uncle He, then we'll settle it. Li Feng said.

He Yunshu on the side originally just admired Li Feng, and now he even has a little admiration, Li Feng's simple words, in fact, have pointed out the direction of the future development of the bank, that is, with the help of third-party payment platforms, embark on the Internet on the highway, and use the "car skills" on the highway to catch up with the opponent.

It turns out that the so-called banking industry to enter the Internet seems to be difficult, but in fact it is so simple, so simple that it can be summed up in just a few sentences.

Of course, what Li Feng said is only a rough idea, how to build a third-party platform on the Internet, which is very knowledgeable, and even involves a large number of financial issues and legal issues.

But looking at Li Feng's confident appearance, could it be that he has already thought through many of the problems here?

If it was someone else, He Yunshu would definitely not think so, but since it was Li Feng, she felt that maybe this kid had really figured out all the details, and she almost realized it.

"Let's find a place to eat. Li Feng looked at the plates of exquisite dishes in front of him and said.

"Yes, yes, let's talk while eating. He Guojun greeted with a grin.

At this time, Xie Changgeng had already eaten with several professors from academia, holding a plate, and it seemed that this old Xie was still a big foodie.

Li Feng looked around, Li Changfeng of the "Economist" magazine had not yet come, Lao Xie's briefcase was always tightly clamped under his armpit, even if he was eating, he did not put it down, there was a Xiongwen that could affect an era, just waiting for Li Changfeng to look at it.

So now Lao Xie treats this article like holding a heavy piece of gold, and refuses to let go at all, which is really funny.

Everyone had a sumptuous dinner together, rested for a while, and soon arrived at half-past six.

With the sound of music, the annual UOB Foundation New Year Reception officially began. Xu Jinlin, chairman of Dahua Fund, who was dressed in a black dress, went to the center of the hall to deliver a welcome speech.

The guests entered the venue one after another, and the nearly 1,000-square-meter purple light hall was crowded.

The guests who participated in the New Year reception this time are all upper-level people in the economic circles, all dressed up brightly, including peers in the investment community, well-known experts and professors in the academic world, and some well-known start-up company CEOs.

In the crowd, a tall figure walked towards Li Feng, isn't this Li Tianlong, the president of Tianlong Literature Network?