"Look at this circle of friends. Li Nanjun remembered something, opened WeChat, and showed Shen Feng: "Yesterday, Tencent Public Relations Director Zhang Jun posted his payment score, but I didn't expect it to attract Xiao Ma's show off in the comments......"

Shen Feng took the phone curiously, and actually scored 835 points?

This is not easy, you must know that the payment points are really not subject to Zhang Xiaolong's special treatment, and the same as financial products such as change pass, users enter me in turn - payment - wallet - payment points, in order to reach the page.

Fools know that this is Tencent's blockbuster product against Ant Financial Sesame Credit. What can be determined is that as a necessary element of consumer installment products, the credit evaluation system of payment sub-representatives has been established, and according to this logic, the legendary sub-payment line is just around the corner!

Shen Feng pouted, and Brother Xiao Ma directly inserted his hand into the old horse's backyard!

The full opening of WeChat Pay means that the payment war has rekindled. Tencent's choice to use credit tools to counterattack the financial sector that lags behind Ali also means that the war has escalated from a payment battle to a credit war.

Compared with the lively shopping festival war, invisible finance is the bottomless pit, which is living money!

Shen Feng sighed, no way, this cake is simply a paradise that everyone dreams of, whether it is Alipay or WeChat, it has now become the core pillar of the two giants, and has even been incorporated into the national system.

In recent years, deferred payment, installment payment, and interest-free payment have gradually been accepted by the public, similar to the consumer financial products of Huabei and Jingdong Baitiao, which have cultivated users' occasional consumption into daily consumption.

This habit of early consumption has become the mainstream consumption habit of the post-95 generation, and it is also affecting more middle-aged and elderly people.

What is capitalism?

Just never save money!

"In the field of consumer finance, whoever has the advantage of the underlying data will have an advantage in their financial business. Li Nanjun analyzed: "The number of WeChat payments is now almost 2.5 times that of Alipay, although it is five years late, but it has come from behind." ”

Shen Feng nodded, those who have to socialize win the world, which is why Lao Ma has to work hard.

The significant increase in the number of commercial transactions means that Tencent has accumulated enough bills for consumption scenarios, and the user fulfillment data it has mastered has gradually become richer, and it is natural to do business with commercial endorsement.

Payments, insurance, wealth management, funds, and even cloud services......

In terms of revenue this year, technology finance and cloud services are expected to take over the game business and become Tencent's future money printing machine.

To put it bluntly, the business model is very simple, and the millions of winners are also this routine, using virtual currency to open up online and offline, enrich consumption scenarios, improve service quality, and firmly lock traffic in the pool.

Now there are more than 50 application scenarios of Y coins, and the one-stop process of eating, drinking and having fun has changed from simply making money by playing games to actively recharging to enjoy special discounts, and the flow of funds is increasing day by day.

But compared with Alipay and WeChat,

Too far behind to catch up with!

"Once WeChat Pay is launched, it means that Tencent will finally make up for the crucial link in technology and finance......"

"Performance credit!"

Shen Feng said solemnly: "If a year ago there were still people questioning the necessity of the existence of WeChat Mini Programs, now the convenience of using Mini Programs has completely overturned this doubt." ”

"With the establishment of WeChat's own ecosystem, Mini Program + Official Account + Payment has formed a perfect business closed loop. At this stage, the competition between ponies and old horses has become a PK of the thickness of consumer bills. ”

Li Nanjun nodded, whether it is a payment score or a credit score, there are only a few reference dimensions. Everyone's level is about the same, the conditions are similar, and the data that can be obtained from the government can be almost obtained.

At this time, it is necessary to fight for who has more big data.

There is not much difference between Ant Financial and WeChat in the financial scenario, the former has the advantage of good data foundation and technology, and the latter has the largest user pool on the whole network, but its weakness is the lack of financial performance data.

I have to say that Lao Ma's foresight and wisdom have been laid out five years in advance, and Ant Financial has become the industry leader, even if Zhang Xiaolong is awesome, it is not a gap that can be caught up overnight.

However, the thickness of the bill will accumulate with the increase of application scenarios, on the one hand, Alipay's new users have peaked, and at present, it can only increase the frequency of user use and use scenarios.

On the other hand, Tencent has also supplemented its unique Tao e-commerce data on e-commerce platforms such as Meituan, Pinduoduo and WeChat stores.

Sending Li Nanjun away, Shen Feng fell into contemplation, China has been a country that stresses honesty since ancient times, and the ancients reflect on their three things every day, and there are two things related to integrity: do you do your best to do things for others?

But the modern business society has become a lack of scientific, humane, intelligent and safe credit system?

Seven years ago, Jack Ma gave Alibaba this problem, which has not yet been solved.

The reason why it is called Ali Baba, Sesame Open Door is the most important magic spell in this story. It can be used to open the treasure cave of the Forty Great Thieves, and it can also be used to close the entrance of the treasure cave.

Lao Ma believes that Ali's greatest public welfare to the society is to establish a credit system to solve the problem of integrity in online transactions, and in the field of Internet finance, what has always been wanted to do is not financial business but to establish a good credit system.

Credit equals wealth!

Starting from the integrity of the B2B period, the payment guarantee has been extended to the credit of small and medium-sized enterprises, and then to the merchant credit evaluation system of Taobao and Tmall......

As early as 11 years, Shao Xiaofeng, who was the secretary general of Ali Group at the time and whose name was Guo Jing, Hu Xiaoming, who was the head of Ali's small and micro finance, and Wang Shuai, who was the head of Ali's market public relations, were called to the office by Lao Ma.

Imagine the position of the credit system in Alibaba, cloud computing is the lowest level, the upper layer is the credit system, and on this basis is the payment and higher services.

In 15 years, the Sesame Credit Score was officially launched, and Lao Ma even announced in a high-profile manner: Alipay is the crown of the entire group, and the jewel in the crown is Sesame Credit, even if you lose money!

In the future, it will become the standard for mothers-in-law to inspect sons-in-law!

In all fairness, for the change and promotion of Huaxia, the old horse is indeed better than the pony!

It's like when Lei Jun asked Fu Sheng about his success in 360, who did Hongyi or him have the most credit?

Fu Sheng's answer was Zhou Hongyi.

Because Zhou Hongyi solved the open proposition, thought of the security direction, and instructed to make a free security software as the company's word-of-mouth product.

And Fu Sheng only needs to be a good product manager and make the product, even if it solves this closed problem.

This is the difference between Tao and Shu.

Direction is always more important than effort.

Wanli's next step must be to build its own big data center and improve cloud services, without this processing capacity, everything else is nonsense.

It's still more reassuring to have Ye Fei in charge, although it started late, but it's better than not doing it at all. Especially for the thriving millions of winners, occupy the knowledge outlet, and grasp the trillion blue ocean of future vocational training, this confidence is not there?