Recently, the most eye-catching thing in the financial industry is the two-dimensional code payment war of "Erniu".

Following Abariri's Alipay, Niu Xun also followed up on the QR code payment function on WeChat, and a war to seize users across the country kicked off.

There are different perceptions and perceptions of this in different social classes.

The elite, acutely aware of the fact that mobile payments seem to be about to set off a new wave. In fact, not long after the launch of "Yue Bao" in Alipay, many people have paid attention to the business logic behind it.

For ordinary people, most of them still have a wait-and-see attitude towards QR code payment. In fact, this is not unreasonable, some time ago, some experts questioned the security of QR code payment, and said that the state is also paying close attention.

......

Universities are a place at the forefront of information, with one of the most inclusive atmospheres and environments in the country. The most direct manifestation of this is that teachers and students often discuss the latest things, and many of the ideas are wonderful and deafening. In such an atmosphere, students gain not only the increase in knowledge, but also the sublimation of thinking ability in dialectical discussion.

A large class in the lecture hall.

This is an elective course, general knowledge of economics, the teacher is a middle-aged uncle with a very rich personality, he said: "To be honest, when we were in college, the students who could enter Tunghai University, each felt that they were the pride of the sky, and they would have a sense of glory, and felt that we were the people who shouldered the mission of the times. Now, college students are feeling less and less. ”

Just now, the teacher asked the students to talk about why the new thing "Yu Yu Bao" had an impact on the bank, but the scene was quiet, so there was a teacher's sigh.

Jiang Chao smiled slightly, he really fell in love with studying in college. The free-spirited, inquisitive atmosphere here made him feel very comfortable. He had a lot of opinions about the teacher's question, and after thinking about it, he was ready to raise his hand.

At this moment, Judy in the front row was the first to stand up.

Jiang Chao was a little surprised, so he put down the hand that was about to be raised. Judy also took this class, and Jiang Chao only found out when he entered the classroom.

The teacher's eyes lit up and he said, "Classmate, come up and talk about it." ”

Judy hesitated and slowly walked up to the podium.

Jiang Chao looked at Judy calmly, and he didn't know if Judy didn't find a chance to perform in high school or if she was growing up. Jiang Chao felt that Judy standing on the stage was generous and confident, and her views were very exciting.

This shows that she is a girl with a rich heart and a lot of thoughts.

Judy began to talk about her thoughts on "Alipay".

"I think that Alipay will definitely be regarded as the biggest competitor by banks, not a single bank, but all commercial banks!"

As soon as the word came out, everyone nodded slightly, in fact, this point of view is not new, and many people have mentioned it, but Judy wants to say not only this point of view, but intends to analyze the internal logic of it. The teacher's expression was a little playful, and he nodded slightly, and continued to listen carefully to what Judy said.

"We all know that the main profit model of banks is to take deposits and then lend out loans to earn interest margins. However, what you may not know is that this model of banks is more profitable than you think. ”

"Deposits are more important to banks than loans. But before the Alipay Yue Bao model came out, banks didn't have to worry too much about deposits. ”

"Banks lend loans, and no matter what the lender uses the money for, the money will be spent in the end, so the question is, where will the loan that was spent end up?"

Everyone thinks about it, different loans have different ways to spend, mortgage to buy a house, car loan to buy a car......

So some classmates said, "Buy something!"

Judy smiled slightly: "Yes, it's to buy something, but then what?"

Everyone was stunned.

Judy continued: "The guy who sold the car, took the money, and then what? Do they have to spend it, or save it?"

Many people were suddenly clicked through by Judy, and they all became admired when they looked at Judy.

Judy smiled: "Yes, everyone found out that no, the money lent out by the bank will still return to the bank after a final turn." It doesn't have to be your own bank, but it must be a bank. Then the bank can continue this loan cycle, and the cost of deposits is reduced a lot. ”

"So, the banks are lying down and making money. ”

"However, Alipay has broken this cycle! Once this Yue Bao has become a scale, then a large part of the money flowing out of the bank will not flow back to the bank! Therefore, this is the biggest contradiction between the bank and Alipay!"

"Alipay hurts the closed loop of the bank's deposit and loan capital flow in the society, so Alipay is a competitor of all banks!"

Everyone nodded slightly, which is really good cognitive ability. Everyone can think that Alipay will have an impact on the bank, but they only think of the level of "grabbing deposits", but they do not think about the deeper logic behind "deposits", and Judy's insights and opinions do make their eyes shine.

Judy's idea coincided with Jiang Chao's, and Jiang Chao couldn't help but give Judy a thumbs up in admiration.

Seeing Jiang Chao's affirmation, Judy on the stage blushed slightly and smiled shallowly.

......

Alipay's QR code inspired Jiang Chao, and he felt that the last piece of the puzzle for the shared bicycle had also been built. So he called Dong Slow and excitedly shared his results with him.

"Scan the QR code on each bike with the app on your phone, and then pay the amount to unlock it!"

After Jiang Chao finished speaking, Dong Slow also became excited, "It sounds like it can indeed be achieved." But ......" Dong slowly raised his head and looked at Jiang Chao seriously: "Are you going to come really?"

Jiang Chao smiled slightly, and did not answer Dong Slow's words directly, but asked a question: "By the way, Dong Slow, what do you think we are studying in college for?"

"Huh?"

Jiang Chao said seriously: "I think we can set our goals a little higher...... How about making the world a little different because of me?"

Dong blinked slowly, he looked at Jiang Chao, and there was an indescribable sense of blood in his heart, I don't know why, he felt that Jiang Chao had stars and the sea in his eyes. In the past, he admired Jiang Chao because Jiang Chao was his favorite singer and comic author, but at this moment he was impressed by Jiang Chao's other personality charm.

Some people are born to be leaders.

"If you want to do it, I'll follow you!" Dong said excitedly.

Jiang Chao smiled lightly, he thought about it seriously: "Come on, let's try to open a company." You want to apply what you have learned, you say?"

Dong slowly nodded blindly: "I listen to you." Say, what do you want me to do?"

Jiang Chao thought for a while and said, "Don't worry. This thing is not done overnight, and there are many things to coordinate and think about. This weekend, I'd like to talk to Judy about my thoughts and see if I can get her on board. ”