To promote mobile payment, it is one thing to get through the merchants, so that the merchants can put out the payment code of the enterprise, but more importantly, to get through the user side. One of the most important is the trust of the user, because mobile payment involves the user's money, with trust, the user will put the money in the payment wallet as a balance or balance financial products, and will open the bank card.

If you look at the product alone, mobile payment is nothing more than storing the balance in the wallet and opening up the bank card. However, you must know that the step of opening the bank card is extremely cautious for many users, because there is a detail like this - when carrying out mobile payment operations, assuming that there is no balance, to transfer money from the bank card, the input is not the bank card password, but the user's preset password in this mobile payment application.

What does this mean? What does this mean for the user? The business can deduct money from the user's card without the user's password. You can't do that without trust, and no company naturally has that trust, and it's hard to establish, but it's easy to get rid of.

Even the well-known Alipay is the same, just this year, there is a hot post that was quickly reduced, talking about a user who did not have any bad operations, and was identified by Alipay's risk control as highly related to the money laundering account, and then directly suspended, and the money in the wallet was frozen and could not be used.

You must know that Ali is an extremely large empire, and of course there are many layers in it, and risk control has a very high priority. Therefore, when users wanted to seek to unblock, they were stunned to find that their voices could not be conveyed through Ali's customer service, and Alibaba's customer service could not reach the risk control of their own group, and began to kick the ball back and forth.

The key is not to provide any communication channels that should be provided after the suspension of the user, the so-called penalty email is not open to appeals, what mistakes have been made for the user to check themselves, and the user will continue to suffer.

In this case, it is not even possible to make an effective external appeal, the money is only frozen, the criminal police and 315 can't take care of it, and finally call 12363 to complain to the People's Bank of China, and finally someone can manage Alipay. And the only problem for the user is because he uses Alipay, which is too powerful to admit that he made a mistake, unless there is a stronger department to scold him.

If this kind of thing is put on Xiaokang, I am afraid that Xiaokang will be cold at that time.

For mobile payment, it is called mobile payment only if the user's bank card is connected, and only having the mobile wallet function does not count. Otherwise, a large number of blockchain entrepreneurs will become mobile payment entrepreneurs, and almost all blockchain entrepreneurs are engaged in wallets, and then through the wallet, various air coins will be derived to cut leeks.

For opening up bank cards, many players in the current market, even those with great strength, are using various preferential reductions and reductions to stimulate user consumption. In particular, UnionPay QuickPass has been vigorously promoted for a long time, including the recent Meiduo is also working with some banks to carry out large-scale preferential reductions, which is indeed very affordable, but it is useless, unless each transaction is discounted.

And Big Dog Dong did take the way of having a discount for every transaction to stimulate, but when users found that each discount was a penny, they basically became interested, and later UnionPay QuickPass also joined the team of Buddhist discounts, and now there is almost no movement at all.

Of course, even so, these giants have completed the steps of allowing users to get through bank cards and initially won the trust of users.

However, Chu Yuanxi is the thinking mode of a gamer, and reaching users does not rely on "stimulation", but on "activity". Therefore, he prepared a large number of activities for the promotion of mobile payment for the city's treasures, giving discounts through activities, and more importantly, building trust.

In fact, there are three things to build trust with users, the first is ease of use, that is, user experience, the second is sincerity, that is, affordability, and third, Chu Yuanxi understands it as "trouble users". The relationship between people is troublesome, and so is the APP and the user, and the purpose of engaging in activities is to let users have a participating behavior and pay for action, which is of course easier to gain recognition than taking advantage of the money when paying.

As for ease of use, this is the craftsmanship of making products, and no one will admit it. And sincerity, Xiaokang does not stimulate user consumption, but withdraws money to users and discovers gold, this sincerity is unparalleled in the era full of routines.

In addition, the thank you given by Xiaokang is a 14-day membership card membership experience, which can also allow users to experience the convenience of membership cards, that is to say, not only the old version of the health coin that is recycled, but also the preparation for mobile payment and the promotion of membership cards, the best of both worlds.

As for the users who have lost the user experience at the expense, they can basically be summarized as users of the city treasure, so presumably the opening of the trading market in the city treasure will make up for this experience, right?

On the 30th, Cynthia met with the business representatives of various companies participating in the function of the well-off AI group in the form of cloud meeting in isolation, and this day was the day when the function was officially launched.

There is also a high-sounding reason why she went to the magic capital last, that is, the trip to leave Beijing must be put last, because she has to quarantine for 14 days after returning to the imperial capital. The quarantine isn't over yet.

Therefore, on the 30th, the well-off version was updated, and then the user found that the extra "shopping group leader" was full of sages and young people, and the coupons of many stores that he usually passed by can be found here.

Many users get Zhibao and distribute these coupons to WeChat friends, as long as friends register for a well-off life through the link or even use coupons to consume, there are different grades of health coin rewards, and health coins can be withdrawn immediately to enjoy double happiness.

It's a pity that only users in well-off operation areas can enjoy double happiness, that is, the imperial capital, Yangcheng and Pengcheng. The output of the old version of the health coin needs to be cycled or consumed, and there are no two types of business in the non-operation area. It is the fault of the well-off that the people of the whole country cannot be happy together, and Chu Yuanxi feels that such a good activity should be carried out often in the future.

Standing at the level of businessmen, the experience is different from that of ordinary users, who look at standing on the side and teaming up. Although there are many businesses participating in the function of the head of the well-off AI, there are also some who refuse, led by Meiduo, and there is a posture of forming a "refuser alliance" these days.

Among them, Meiduo and 724 are representatives, which are more dazzling, relatively speaking, the door opener can only be regarded as a follower, and it is okay to stand on his feet and cheer.

However, the opener didn't think so, and Li Jingfei was even more angry, because he wisely decided to engage in bicycles back then, and the bicycles have been losing money, and they have been gritting their teeth to maintain instead of cutting them off, but they will no longer invest in new cars in the future.

Now, owning a bicycle is the foundation of the opener's foothold in the League of Deniers, and even Mido is offering his courtesy.

What's more interesting is that he heard that 724 has begun to launch bicycles in the island country, so he doesn't know if he has the confidence to invest 10 million in the country?

What made him unhappy was that the hippo didn't refuse, because of Sun Dasheng's relationship, he had always regarded Ali as a friend. It's just that the complex relationship between various start-ups is real, and holding does not mean that it will be controlled, and the development of hippo is quite unrestrained, and Ali provides support rather than obstruction.

Therefore, what Li Jingfei can do is only normal business lobbying, rather than relying on the relationship that can only be used to raise demand.

Even so, the fact that Hippo will join the well-off AI group still makes Li Jingfei feel frustrated within the door opener, because he said "no" when he made business judgments.

"This doesn't make sense! Why is the hippopotamus?" He took the information in his hand and looked at it repeatedly, this day Xiaokang had a full set of coupons, and the others could only go to the basic function package, and the functions that needed to be docked and developed were being done, and no one had access to their own unique expansion functions for the time being.

"Does it matter if it makes sense? How do you reply to a hippopotamus?"

Wang Yueheng, who was sitting next to him, had a sad face, the position of CEO was not easy to sit in, Wang Yueheng had hardly gone out recently, and work such as the business market had been picked up by Li Jingfei, who was in charge of money.

The reply he said meant that although the hippo joined the well-off shopping group, he also communicated with the door openers, and even the communication smoothness between the two sides was higher than that between the well-off and the hippo.

Now people are asking about the use and development of cycling data by door openers.

Changing to another family can be understood as being interested in the data of the door opener, because cycling data is indeed a scarce resource, but the hippopotamus is certainly not. Therefore, Wang Yueheng wondered, why did Hippo ask this? Is it because Hello doesn't do new retail formats, so the door opener is more unique? Then you have cooperated with Xiaokang, why don't you ask Xiaokang directly?

I only heard Li Jingfei say: "How do you answer? I don't know much about R&D, so you can say that our R&D is not bad." ”

"Not a bad fart, it's like a piece of!" Wang Yueheng snorted angrily, but he didn't understand the technology, so he could know that it was the same as a piece of, but he didn't know why his own production was.

The R&D of Open Door Ke, because of the historical evolution, is all entrusted to Grabi's R&D team in the imperial capital. It can't be said that Grabi's team is fooled, after all, Cheng Huilin is sitting in the imperial capital, and she also has to take care of Grabi's business, because she is also the co-founder of Grabi. But to say that it is well done is too bullying.

"Ahem, what does it matter if you just say that? Everything is normal, according to plan. Li Jingfei said in his heart, who would say that his product is a piece of?

He said at the beginning that this would not work, and the CTO was essential, but Cheng Huilin greatly believed in Grabi's R&D team, and it was true that reinventing the wheel was not the way to operate a start-up, so he didn't insist on it, and now it shows the effect of lameness.

However, the answer "everything is going according to plan" is too universal, and the hippo side does not relent, repeatedly asking how to mine and develop data, hoping to give a specific process. Here, because Wang Yueheng doesn't understand technology, the two sides are arguing, and there is no progress when the well-off is in full swing.

The next day is May Day, and on this day, Xiaokang launched the first round of currency recovery activities as promised, which is a coin scattering activity for users.

So well-off users have felt that the festival is different, if the New Year can also be so festive! In this happy and peaceful atmosphere, the well-off coins are sprinkled out and replaced with rising data.

As an entrepreneur, Chu Yuanxi naturally can't only look at cash flow and data flow, he must look at trends and dynamics. At present, an obvious dynamic is that WeChat simply does not have any leisure to think about how a well-off convenience store company can come and go, and how to work with various businesses to inject communication factors into the WeChat ecosystem, commonly known as taking out garbage.

You must know that these coupons are not only a source of pollution for the well-off APP, but also have a certain degree of popularity in the offline stores of major merchants. Although this is not an official event organized by each business, and the merchant is not responsible for promotion, offline is a word of mouth, and it is the spread of strangers between specific scenes, so the divergence is not small.

Especially for those merchants who usually don't pay attention to community group buying, they don't have a coupon push business, and they don't have a community, so Xiaokang is equivalent to providing a basic SaaS software system, and at the same time giving the same environment and process for sending and receiving coupons as the community, or even more optimized. For them, letting customers use the well-off mechanism is equivalent to providing them with an opportunity to increase customer stickiness.

After all, this kind of offline merchants basically serve customers within the radiation range of the store, and they don't particularly care who this group of "customers" is.

Therefore, the spam information injected into WeChat in these stores is more enthusiastic.

As for why WeChat has no time to take care of it, because, "5G messages, launched in June".

This is the big move released by the three major operators in early April, although the launch will not be until June, but first scare and scare WeChat.

The main reason is that the feud between the three major operators and WeChat in recent years is too great, two places in one day, three rivers and four seas, because WeChat killed Feixin.

Feixin produced by Shenzhou Taiyue can be said to be a powerful tool for a generation of mass SMS, but it was directly and quickly killed in front of free WeChat, and since then, the SMS business of the three major operators has been flying down 3,000 feet, and has gradually become an exclusive tool for verification codes. Until recently, because the express delivery could not enter the community, the owner had to be notified by text message to come out to pick up, and the business volume has rebounded significantly.

One can imagine how big this feud is.

Moreover, WeChat's dimensionality reduction blow to operators is not just SMS, SMS is only the most direct embodiment. In fact, the erosion of WeChat is comprehensive and deep, because the most powerful SMS service is directly covered by the attack, many SMS-related functions and packages are abandoned by users, and a large number of other services of operators are tragically affected.

For example, before the rise of WeChat, the most dazzling thing in the mobile reading industry was not the network overlord of the PC era, but the mobile reading base. This site was originally called "Mobile Reading Base", and later changed its name to "He Reading", and then changed to its current name, and there have been books with sales of more than 100 million yuan, and more than one, which directly changed the ecology of the network. But with the official rise of WeChat, which can't be played by eight poles, and reading began to decline rapidly.

You can see the whole picture at a glance, but it is conceivable that the three major operators dream of snatching back this market, and the popularization of 5G seems to be an opportunity?

There is no doubt that every bandwidth increase is the starting point of information revolution, and the three major operators have joined hands with major domestic mobile phone manufacturers, Huawei, Xiaomi, Bluegreen, etc., to stand on the platform together, claiming to use rich media interaction to seize users and the market.

What is rich media? That is, text, pictures, audio and video, location, payment and other interactive modes, translated into human words is the function of WeChat, and the function of enterprise WeChat.

In this sense, Alipay, DingTalk and Feishu are also targets that have been strafed, but the main Tan must be WeChat. This moment is undoubtedly a hidden point in time, the sword of Damocles only created panic before it fell, how could WeChat Dalong Daddy have the energy to feel what a convenience store is doing? unless he himself also went to the well-off to buy things.

In fact, Chu Yuanxi set the schedule much earlier than the operator's efforts, and then on April 5th, he saw that the three major operators joined forces to release the warm-up, and to announce the big news on the 8th, he felt that there was an article in it, and waited until the 8th to see, okay, the new product is called "5G message", a good name! This assist is too timely! I even thought about whether to adjust the schedule slightly, but the impact is too great, it is better to let it be.

The 5th was still in the Qingming holiday, and as soon as the news was released, Shenzhou Taiyue was up at that time, and the tide was immediately opened as soon as the holiday ended. Investors don't seem to remember the scene when Feixin was pressed on the ground by WeChat and rubbed off sparks, and called it the leader of RCS concept stocks.

But in fact, Chu Yuanxi is not optimistic at all, even if Huawei, Xiaomi and Blue-Green give the platform together. Of course, he is not a dragon father, and he is not responsible for the traffic engine of the entire WeChat and even the penguin empire, so he can be unaccountable and optimistic.

The reason for this judgment is that this is an era with content as the core, and it is no longer the time to succeed only by doing a good job in product and market operation. But do operators understand the essence of the so-called new rich media interactions?

Reminiscent of what the head of an operator said when he reviewed the market in 2016 - if Feixin paid enough attention to the market, there would have been nothing to do with WeChat. To be able to say this, it seems that the level is relatively low, and I don't know much about business.

In other words, it was precisely because Feixin was operated in the same mode of thinking back then that it was easily shot down by WeChat. You must know that the person or team who operates Fetion does not have the concept of "not paying attention to the market", the senior management can not pay attention to it, and the operator cannot not pay attention to it, otherwise when the penguin, the social overlord of the PC era, makes a move, we will tactically despise the enemy?