Chapter 164 Mobile Payments in Island Nations
When Lao Fan and Wu Wei left, Chu Yuanxi immediately sank like water, and said to Yuan Yu: "Go and take stock of our cash and see how much we have left in December if we don't carry out the next round of financing." I mean, the consumption of the magic capital is also counted. β
"What are you going to do?" asked Yuan Yuan stupidly.
Of course, Chu Yuanxi didn't think Yuan Yu was really stupid, she just didn't know that the "I Obeyed" that was being filmed by the Ba people was actually a big move by Xiaokang. Amplifying moves requires saving energy, and the big moves without gas have no soul, taking stock of cash, of course, is to calculate how much gas the well-off still has.
At this time, he felt a little lucky, fortunately he ate the batch of fresh pre-warehouse start-ups, and did not use the precious cash. In fact, there is still money in the accounts of the Pakistani people, more than 20 billion, but if you really want to use this money unlimitedly, it is like the unlimited QE printing of money by the commander of the United States, it is very addictive, and it is very easy to run out, and the Ba people also need money later, no one knows how much money will be used in the future, and you can't develop this habit when you think.
"Oh. "Yuan Yuxin said that it was going to be bad, what is Chu Yuanxi going to do? 4 billion is not enough? Pinduoduo tens of billions of subsidies are so expensive, and this is the strength when they make money from the NASDAQ.
After saying that, she raised her phone. Chu Yuanxi has been chatting just now, chatting attentively, it is polite not to look at the phone, but Yuan Yuan has a lot of time to look at the phone, and there is an urgent reminder from Xu Xin.
Chu Yuanxi only had a chance to take a look at it at this time, it turned out that Xu Xin said that according to her sources, Ali has had frequent internal meetings recently, and they have discussed Xiaokang from all angles, and even the Ba Ren Group is re-examining.
Looking at the Ba Ren Group? Chu Yuan Xixin said that this is easy, so many old employees of Ba Ren Games! In the small group, Yuan Yu had already asked why, Xu Xin said that it was based on inaccurate sources, it seems that Ali had observed some new trends in the island country, the key words were "mobile payment" and "724", and then traced back to the source, and paid more attention to tapping the creativity of the well-off in local life, striving to see the essence through the phenomenon, and see through the overall design ideas and top-level architecture of the well-off business.
Chu Yuanxi had one word in his heart - pit daddy! dodge left and right, but he was still assassinated by Sun Dasheng in the air!
During this time, relying on the bag of the Ikoma family, he was already stronger than the previous two of them. In the case of the island country, 724 and Sun Dasheng set up a joint venture subsidiary specializing in mobile payment, and then used the time window for 724 to establish its own membership system to promote mobile payment simultaneously.
Anyway, mobile payment itself is also to subsidize users, 724's membership system is a well-off cottage, the strength of the coupon is not so big, but there are many categories, the structure is complex, and it is also a set of routines that combine time-limited offers and fixed discounts. In this way, in the promotion of mobile payment, it is a multiplier effect with half the effort.
It is definitely impossible for Chu Yuanxi to say that it is not awkward, because the mobile payment of the island country was originally a joke. How ridiculous is the QR code itself is an invention of scholars in the island country, the island country government announced a cashless vision in 2018, to achieve 40% of cashless payments by 2025, the policy level is absolutely supportive, and there is an additional 5% tax rebate for merchants who receive non-cash collections.
In this context, the mobile payment of the island country is dry one lying down. For example, LinePay launched by Line, the social overlord of the island country, Line is not used by young people like WeChat, but no one uses LinePay, probably to this day, Line has not understood where the key points of mobile payment are, and how to push it.
And Sun Dasheng also launched a PayPay, and at the same time took out 15 billion yen to promote shopping cashback, the idea is similar to UnionPay Cloud Quick Pass, and the result is also average, becoming a carnival of the wool party, and then there is no interest. This is obvious, WeChat and Alipay's homework is not easy to copy, at least Sun Dasheng didn't figure out how to copy, and copying homework also requires a certain level.
The funniest thing is 724. As a hegemon-level convenience store, 724 has the capital of mobile payment, and launched 7pay on July 1 last year, which closed three days after it was launched.
In fact, Chu Yuanxi really cared about this matter in July 19, when he had already begun to slap the well-off store in the face of 724, and it was impossible for the competitors who had set up it with his own hands not to care.
As a result, when people push 7pay in the island country, users are required to use their email addresses as accounts, instead of registering with mobile phone numbers and SMS verification like the national dynasty. There is a problem of retrieving the password when registering with an email, 7pay to retrieve the password is a birthday, but the birthday option when the user registers is defaulted to January 1, 2019, with the default, the user can skip this step.
So far, it's not outrageous, there is one last firewall, but 7pay says no, you don't!
It is equivalent to that for users who skip this step, anyone who has some black market data and knows his usual email address can get his password back. Therefore, it only took 3 days, and the users of 724 lost a total of about 3.5 million Β₯ in funds, and the project immediately hit the streets, and the wind of mobile payment was victimized, and the users of the island country were even more repulsed......
When Chu Yuanxi heard this, he couldn't believe his ears, and said in his heart, should the person in charge of this project commit suicide by seppuku in ten words? But in 9012, it really happened......
The above three cases tell the same simple and clear thing from different angles, that is, there is no old driver to lead the way on the island country, and I don't know where to step on the accelerator of mobile payment! Ali and Penguin's mobile payment is not replicable, and the replicable UnionPay is not a high-scoring answer. In this case, what kind of cashless transactions can reach 40%? First of all, we need to break the ice!
But now, Xiaokang came up with an answer, and 724 copied it away before Xiaokang could prove that it was a good answer. Could it be that 7pay failed too badly, so that 724 promoted this matter with the psychology of atonement?
This is the reason why Chu Yuanxi is not in a beautiful mood, he has inadvertently made great contributions to the island country, and has become a veteran driver who helps the island country's mobile payment industry break the ice!
Fortunately, the fact that 724 steals the well-off is not all negative factors in itself, although it will make Penguin and Ali pay more attention to the threat and energy of the well-off, but it also invisibly endorses the well-off, especially in the financial circle.
You must know that most of the domestic financial practitioners have no brains to worship the West, and those who have studied for so many years are Keynes, and when it comes to Western economics, 724 is simply a lighthouse-level existence in this circle. Now that 724 has made it clear that the cottage is well-off, what kind of tower is the well-off? At least it is a little brighter than the lighthouse, right?
But this can't make Chu Yuanxi's mood better, because there is no use for birds, unless a round of financing is done now, which is a bit good for valuation. However, now is not the time to do financing, a reasonable time is to make full use of the money from the previous round of financing, all of which will become positive data, become reasonable cash flow, become dynamic assets, and become solid underlying support, which is the right time to do the next round of financing.
Unless there is an extreme hunger for money.
Chu Yuanxi could pat his chest and say, "No one knows how to be hungry for money better than me." But only in this way do you not want to be well-off into such a hungry state.
Yuan Yuan saw that Chu Yuanxi's face was not very good, and asked cautiously: "Speaking of Chu Yuanxi, are you a little lacking in confidence?" I admit that Ali is under a lot of pressure, but weren't you quite optimistic before?"
"Am I not confident?"
According to the description of martial arts, Chu Yuanxi called "strange eyes rolling" at this time, and then he was happy: "I don't want to be hard-mouthed, but Ali should solve their internal problems first." I said that I sold it today, and the price was 80 billion, maybe Wu Wei gritted his teeth and agreed. But money is not everything, and Ali's problem is not something that money can solve now. β
"What's wrong with Ali?"
"It's a big problem, dealing with the challenges of Pinduoduo, the problem of strategic direction. "Chu Yuan Xixin said that it is not once or twice that we organize senior executives to collectively study the market on the weekend, and you have never felt that Ali has a problem?"
"A slash?"
"Yes, from WeChat. If Ali snipes Pinduoduo, how should he snipe from the user side?"
"Hey, this question is out of line...... Yuan said that Bengong is a CFO, and I don't understand the operation!
I saw Chu Yuanxi shaking his head: "I should have asked Wu Wei this question just now, do you see if she has thought about it." In essence, 'cutting a knife' is an 'activity', if you engage in activities, I will also engage in activities, after all, Alipay has Huabei and WeChat does not, and it naturally stands at a high point in the dimension of payment. So my answer is that Alipay should come forward to carry out the activities.
This is called strategy, Alipay engages in activities, pulls users to Taobao, or simply restarts Juhuasuan, or even Juhuasuan can be made into an independent APP. In short, intercept users through Alipay, send them to the Taobao system, squeeze Pinduoduo with volume, and use Ali's relatively complete payment ecology to cover the advantages of Pinduoduo. β
Yuan Yu understood at once, because she knew exactly what Ali did during the same period. What Ali did at the same time was to improve Taobao's sales performance, launch new products, and engage in special prices, so it once made a terrifying GMV.
But after making the GMV that is said to make competitors desperate, it is a pity to see Pinduoduo running faster and faster, and it has not been affected in the slightest. This is quite embarrassing, because GMV is not a profit, and it has not brought any substantial growth to such a large and peaked volume of Alibaba.
This should be the reason why Chu Yuanxi thinks that Ali's strategy is wrong.
I only heard Chu Yuanxi continue: "And Alibaba's two super national-level apps, Alipay and Taobao, are not coordinated. Alipay has been upgraded and revised, and the banner is 'digital life open platform', this strategy is very clear, but there is nothing to do with Taobao...... It's not all bad news, the good news is that Ele.me has recently fought back strongly against Huangtuan, this time from the merchant side, killing people invisibly. If you are Ali's shopkeeper, do you have a lot of work to do?"
Yuan Yu suddenly felt that his mentality was not so heavy, and the pressure brought by Wu Wei became a little lighter.
However, Chu Yuanxi's pressure did not decrease, so he transmitted the pressure downwards and put forward higher speed requirements for the opening of the store in the Demon Capital.
In fact, the progress of the magic capital has always been good, not because of outstanding people or a high degree of recognition of convenience store culture, but because of the foundation of the imperial capital and eastern Guangdong Province, which is relatively generous and flexible in terms of manpower. The process of spreading the well-off to the whole country must be a process of gradual acceleration, because the number of people is increasing, the more people there are, the greater the flexibility, and the stronger the fault tolerance, at least in terms of opening stores.
And the foundation laid by the first three cities is not only in terms of people, but also in terms of more sustainable capital turnover, relationship with supply chains, and reputation. The more solid the foundation, the more places you can leverage when expanding into new areas in the future.
In particular, cash flow is more likely to be maintained above a healthy level. For the use of funds, the simplest phenomenon is that when there are only 100 stores, opening a store is to increase the burden by 1%, but when there are 1,000 stores, the increase is only 1β°, and the larger the scale, the less pressure. Therefore, in fact, Chu Yuanxi still maintains restraint, if it is really released, it should be several cities stationed together, do a good job of planning, itinerary methodology, logistics and warehousing can be built in advance, and then start to open a store, which is more efficient.
In the process of opening a store in the magic capital, the well-off will take a similar approach, and in the future, many provinces and cities will go hand in hand, and it is not impossible to fight with the original Suning store, 7 stores a day.
There is also a very interesting phenomenon during this time,That is, there are more LBS games in the world again,PCγVRγAR,I don't know if it's stimulated by "Moving" or because of the city treasure?
This phenomenon really aroused Xue Jianhua's vigilance, and reported it to Chu Yuanxi, the reason is that if a friend buys a game of this kind on a whim, and then rectifies it, won't it turn out a well-off online content?
However, Chu Yuanxi was not interested in it after watching a few games, because this kind of game is not difficult to look at, but it is not easy to do at all. First of all, the requirements for the map are extremely high, and small players can only buy map services, but this kind of service has always been a penny, the accuracy is a little worse, and the cost is very different, and small players can't provide a good user experience if they want to save costs.
The second point is more important, that is, the producer must be delicate, patient, and willing to spend time and money. City Treasure is a project that has been developed since the establishment of the well-off APP team, and it has lasted for a year, so Chu Yuanxi can still jump out of various faults and require repeated polishing. Therefore, in his concept, those who have been in development for less than a year are scum, let alone those that have been developed for less than four months.
Take music as an example, it is the most inconspicuous in the game, and many mobile gamers will not feel anything as long as they don't encounter particularly bad music sound effects. However, City Treasure has poured a lot of resources into the music, and the background sound matches different environments according to the different map signs, some are natural, some are warm, some have a nostalgic atmosphere, and the location of the office building business district is replaced by white noise.
The so-called white noise is the wind blowing the leaves, brushing and pulling, or the people and vehicles driving on the street, etc., but in the business environment, it is more reassuring white noise.
This kind of elaborate music and sound effects is difficult for even serious game companies to ask for, because it is almost impossible to directly get map attribute markers from the purchased map resources, even if you want to do the same work without relevant data, you can't do it, if you have to mark, you have to add money.
If there is really any friend businessman who does it according to Xue Jianhua's method, Chu Yuanxi is too welcome, Xiaokang has no opponent in this field for the time being, so there is a lack of competition stimulation, fighting will help improve the organization, and it can boost morale, as long as the opponent is not too strong.
"I'm a professional at making games, and Ba Ren was once regarded as a game company. He educated Xue Jianhua, "These so-called LBS games just look bluffing, they don't have any chance, they can't compare with us, they will die soon, don't worry about it." But ......"
"But what?"
"But what do you think would happen if a scam company played a game like this and played a side game?"
Unlike serious business, scammers don't need a good user experience, but a problem that looks like it's going on. In particular, it can also rub the popularity of the well-off, and on such a basis, wouldn't it be wonderful to invent a few sets of specious deceptions?
No way, since the health coin was put on the chain, Chu Yuanxi has entered a state of extremely high alert, the most important thing in the world is the liar, when the well-off gets bigger and bigger, the more it attracts the attention of the liars, which is not transferred by people's will, killing Zhang San and Li Si.
Unless the well-off development reaches the level of the whole people, this vigilance must be normalized. After the development to the national level, leeks are not easy to be fooled, for example, scammers who used Jack horses as a guise were rampant, but then they disappeared, because everyone knows that Jack will not do this thing, even if he wants to do it, it is through Alipay.
However, there are still a lot of people who abuse Jack's image to advertise, and there are still a lot of compilations of what Jack said to enhance his credibility.
In short, the investigation department of Xiaokang has to cheer up, it is easy to dodge open guns and difficult to defend against dark arrows, Xiaokang is easy to recruit black physique on the blockchain, and no enemy has someone to stumble, not to mention the current situation. This is also the reason why Chu Yuanxi chose to take a solid step this time instead of directly holding back the big move, although the original world is crazy about subsidizing users, but it is not so easy to attract the favor of scammers.
The whole month of August was relatively busy, and at the beginning of the month, Zhao Jie really started the platform test. The scope of the test is extremely small, and there is not even the information of the labor Ba people to be publicized in the traffic pool, but directly labor Chu Yuanxi's driver.