Yu Wenfei is communicating with Shen Nanpeng, who is now in charge of Facebook Mutual Finance Company and serves as the vice president of wealth of Facebook Holdings, which can be said to be the financial power of the entire Facebook system.

"Mr. Fei, now the company's business development relies too much on Taobao channels, and most of the capital circulation is for users to buy Lenovo Huimin computers and legendary mobile phones on Taobao. However, when it comes to payment through other channel networks, there are still too few people who use our software.

I wonder if I'm going to do some promotion after the year. Now in the market, we have no competitors, we must seize this time, as soon as possible to develop and grow, miss this period of time, if there are strong competitors, then the development of our Facebook mutual fund is not so easy. ”

Shen Nanpeng said worriedly.

If you only look at the data report of Facebook Mutual Finance Company this year, it is very eye-catching.

Whether it is the number of user registrations, the total amount of transactions, the number of effective users, etc., it is very high.

But after rational analysis, the real situation is not satisfactory, Shen Nanpeng is still very sober, so he said what he just said.

Because it is interoperable with Facebook, Facebook Games, and WeChat user data, Facebook Mutual Finance (formerly WeChat Pay) has just started and has tens of millions of active users.

The reason why it is said to be an active user is because users of Brother companies who want to use Facebook Mutual Fund must bind their ID cards, bank cards, and online banking in advance before they can use it normally.

If you only look at the number of registered users, then Facebook Mutual Finance is even more outrageous, because it is the same as Facebook.

Many of these users who have activated Facebook Mutual Fund are going to Huimin Computers and Legend Mobile Phones, because to buy Huimin Computers and Legend Mobile phones on Taobao, they must use Facebook Mutual Funds to pay.

In the past two months, the amount of payment using Facebook Mutual Fund on Taobao channel alone has reached nearly 3 billion!

It looks very good, but Shen Nanpeng is worried about this, because users just regard Facebook Mutual Gold as a temporary payment tool, he has analyzed user data in detail, and found that most users will no longer use Facebook Mutual Gold after using Facebook Mutual Fund to buy Huimin computers or legendary mobile phones, and will not even log in again.

However, when Facebook Mutual Finance was established, the purpose was to build an Internet financial center, although users were not required to log in every day, but at least they could not be used once and thrown away.

Therefore, he has been thinking about how to break the game for a while, but he still doesn't think very clearly. When I had dinner with Mr. Fei today, I raised this question, and I also wanted to hear Mr. Fei's opinion.

As we all know, in the direction of the company's development, Fei has never made a mistake, and whatever he pointed out, no matter how unreasonable or incredible it seemed at the time, it would be proved afterwards that Fei was always right!

Hearing Shen Nanpeng's words, Yu Wenfei smiled slightly, he had already planned for the development of Facebook Mutual Gold.

"Don't worry, Mr. Shen. What Facebook Mutual Finance has to do now is to practice its internal skills and polish its products. I often use Facebook's software, so I'd like to give you a few suggestions. ”

Shen Nanpeng hurriedly took out a small notebook and ballpoint pen from his pocket, ready to write down what Yu Wenfei was going to say next.

"The first point is that the name used by Facebook's mutual finance software is too awkward to pronounce and not easy to remember. To make Internet products, a good name is very important, and it is best to change it to a name that is easy for users to remember, understand, and easy to spread. ”

"The second point is that there are indeed few use scenarios for Internet payment. For example, when using Facebook Mutual Gold to make payments on Taobao, you need to log in to your Facebook account first, then enter the payment password, and then confirm it on the Facebook Mutual Gold software. It's too cumbersome, and you need to simplify it even more.

Let me talk about it in detail, don't all mobile phones now have cameras, through which you can take pictures and scan. Is it possible to scan and pay through the camera? You can discuss this with the technician. ”

"The third point is Internet finance, in addition to users to pay for purchases and pay for merchants. For example, if friends transfer money to each other, take today's Chinese New Year as an example, I want to send a red envelope to friends from other places, but it is thousands of miles away, and it is too troublesome to use online banking or remittance.

If you can do it, using WeChat as a social software, you can send red envelopes to friends directly while chatting, so that the user activity will increase significantly. ”

"Mr. Shen, you have also done Internet products, you should understand a truth. That is, as long as your product is good enough, you don't need to promote it at all. So the three points I mentioned above are all for the company, and they are all points for fine improvement of products.

After you do these things well, Facebook Mutual Gold can be regarded as a real success. Then you won't have to worry about inactive users and too few payment scenarios. ”

When Yu Wenfei said these words, Shen Nanpeng was writing hard to record the main points.

Effie, Cai Congxin, and Fang Zhiyan also calmed down and listened attentively to Yu Wenfei's speech.

After listening, Cai Congxin sighed, "Every time I listen to Mr. Fei talk about the company's development and product improvement, a few simple words will make people feel that their mouths are suddenly opened." ”

Effie agreed: "It's true that outsiders only see the development of Facebook Company so smoothly, but they don't know that without Mr. Fei's helm, our company would not have achieved such great success in such a short period of time." ”

Shen Nanpeng nodded again and again, and said with a long sigh: "I used to think that I was still good at making Internet products, and Ctrip's Internet plus mouse mode was also touted by many media. But now, after contacting Mr. Fei for so long, I can understand that in front of Mr. Fei, my product thinking really can't be put on the table, and it can only be regarded as a small thing. ”

Yu Wenfei waved his hand, "Okay, it's all your own people, just communicate, eat and eat." ”

After lunch, everyone dispersed and went about their own business.

Yu Wenfei rested for a while, saw that the time was two o'clock in the afternoon, and told Pei'er to prepare the car, he was going to the Bentley flagship store in Jing'an.

…………

Jing'an District, the magic capital, is an old commercial area, and today is the first day of the Lunar New Year, but many shops here are open as usual.

After all, during the holiday season, consumption is the most vigorous, how can a business person miss this golden time.

On the streets, there are crowds of people, and many local people in the magic capital take advantage of the holiday to go out shopping.

"Mom and Dad, what are you doing over there, it seems that some store has just opened, let's go and see. ”

Ah Jiu was full of bright smiles, holding his father with one hand and his mother with the other, and was shopping.

Because my parents are busy with business all year round, the time when a family of three can get together may only be a few days of the New Year.

So Ah Jiu is very happy today, and after greeting the elders in the morning, he took his parents out to go shopping.

After listening to Ah Jiu's words, her father stood on tiptoe and looked over there, it was a very high-end office building, and the shop facing the street below seemed to have just opened, with a large inflatable arch at the door, and colorful balloons and hanging flags floating in the air.

Blocked by these things, I can't see the signboard on the door clearly.

"Let's take a look at it in the past, look at this battle, it is estimated to be a big brand. It won't be Adi or Nike, if it is, I'll buy you some clothes and shoes. Dad said dotingly.

is such a precious girl, she works hard to earn money, isn't it just for her daughter.

Therefore, he is very willing to eat, wear and live for Ah Jiu, and his daughter wants to be rich.

The family of three rushed over there, only to be disappointed to find that the store was neither Adi nor Nike, but a car shop.

"Oh, how could a car seller open a shop here, the shops here are so expensive. Ah Jiu's mother said in surprise.

The family also bought a car, although it was not very expensive, just an Audi A6.

However, the big LOGO on the signboard of this store is the logo of what kind of car, Ah Jiu's mother did not recognize it, she did not know much about cars.

Ah Jiu's father had a light eye, recognized the brand, and exclaimed: "It turns out that the Bentley flagship store is here, I just heard about it before, but I haven't come to see it yet." Let's go and have a look. ”

"What kind of car is this, is it expensive to have a Mercedes-Benz BMW?" asked Ah Jiu's mother puzzled.

"Bentley, don't compare Mercedes-Benz BMW to this, you know a Mercedes-Benz BMW? Tell you, the starting price of this car is three million! It's the same level as a Rolls-Royce." Ah Jiu's father said with a wry smile.

"Three million! Then you look at the! Where can we afford it!" Ah Jiu's mother was startled, and hurriedly grabbed him.

"Just look, it's not to buy. Ah Jiu's father said helplessly.

"If you don't buy it, look at the security guard at the door of the store, Edi Niang, and a lot of foreigners. Let's go over, people come up to entertain us, don't buy it, it's embarrassing to see. Ah Jiu's mother shook her head again and again.

Ah Jiu's father thought about it, this kind of shop, ordinary people don't dare to enter it at all.

It's not that other store staff will discriminate against you, it's that you don't have the confidence to walk in the door......

"Well, let's stand outside and take a look, this car is so beautiful!"

Through the crystal clear large glass, you can vaguely see a few cars parked in the exhibition hall, there are not many, but each one is so delicate and beautiful.

At this moment, a swarthy and shiny car drove up and stopped at the entrance of the Bentley flagship store.

The security guard standing at the door hurriedly stepped forward and helped pull the car door, and two young men and women came down from the Mercedes Benz.

Ah Jiu looked over curiously, only to see that the young man who got out of the car looked like he should be more than one meter eight, and then looked at his height of less than one meter six, Ah Jiu couldn't help but feel a little inferior.

I can't see the face, from the side, the man is still wearing a black mask on his face, it should be a star, ordinary people don't wear masks.

Wearing a black cashmere mid-length coat and crisp trousers, he looks very slender.

The Bentley store welcomed out several people in suits and leather shoes, both Chinese and foreigners, and the stars surrounded the young man and walked into the store.

"This should be a big star, tsk, it's the focus everywhere you go. Ah Jiu's mother said enviously beside her.

Yu Wenfei, who had just walked into the Bentley flagship store, didn't know what was going on, and suddenly turned his head to look outside.

Through the glass curtain wall, he saw a few people on the side of the road outside the store, three of them seemed to be a family, parents with a fifteen or sixteen-year-old daughter, so happy.