Chapter 117: Towards the Financial Cloud

At night.

Bauhinia Garden Community.

Zhao Erya was lying on the bed, with a hint of post-orgasm on her face. She leaned her head on Zhang Yida's chest, listened to Zhang Yida's surging heartbeat after intense exercise, her lips opened slightly, she hesitated for a long time, and finally said:

"Shall I be your assistant?"

Zhang Yida was a little surprised, glanced at Zhao Erya, and said with a smile:

"What's the matter? Aren't you doing a good job in the customer service department? Wang Feiyan admires you a lot, and says that if you weren't still studying, you would have been promoted to supervisor a long time ago. ”

A trace of sorrow flashed in Zhao Erya's eyes, and now Song Caiwei and He Qingxuan are inseparable from Zhang Yida every day. Zhang Yida is young and golden, and her attraction to women goes without saying, so she is very worried!

"I'm very familiar with the workflow of the customer service department! Now, I want to change my position and train myself!"

Zhao Erya looked at Zhang Yida with a look of hope, waiting for his reply.

Zhang Yida is also thinking that Ruixiang is now a company with a valuation of tens of billions of US dollars, with thousands of employees, and Zhao Erya is just a customer service, and her role in the company has become minimal.

On the contrary, many people in the company know that she is the chairman's girlfriend......

Zhang Yida personally does not approve of the mom-and-pop shop model, and Ruixiang's development is also on the right track, it's time to change her position.

"Do you like pets?" Zhang Yida asked as he touched Zhao Erya's smooth hair.

"I really like small animals! what's wrong?" Zhao Erya was a little puzzled.

"Then you go to work at PeTe.com!" Zhang Yida thought about it, and felt that it was still suitable for Zhao Erya on PeTe.com.

"I'm going to sell dog food, I'm going to stay with you!" Zhao Erya shook her head again and again in disagreement.

"I have a lot of property now, I have to have someone to help me keep an eye on it, I'm alone and lacking skills, and you're watching your husband die of exhaustion?"

Zhang Yida said as he put his hand into Zhao Erya's pajamas and scratched her armpits.

Zhao Erya couldn't stand being scratched, kept twisting her body, chuckled there, and said:

"Okay, okay, I'll go, can't I go?"

Zhang Yida let her go, looking at the charming and moving Zhao Erya, he couldn't help but be turned red again overnight.

......

Early morning.

Zhang Yida drove Zhao Erya to the company together, and as soon as he entered the company, Zhang Yida found that the mental outlook of the entire company had changed.

Ruixiang's financing of $2 billion has given employees a great morale boost.

With a valuation of 10 billion US dollars, it is currently second only to Ahri, Penguin, Qiandu, Goudong, Weipinhui, Pig Factory, Rice, and Leech Financial, ranking 9th among Internet companies.

Behind Ruixiang are Ctrip with a market capitalization of $9.2 billion at 360 and with a market capitalization of $8.4 billion.

Ruixiang has really become a star company now, coupled with many media reports, many netizens know that such a giant has emerged on the Internet.

In addition, the founder of Ruixiang, Zhang Yida, is only 20 years old, which is also a great gimmick, bringing more attention and traffic to Ruixiang.

Many employees working in Ruixiang are also honored to face the praise and curiosity of the media and the Internet.

The main thing is the tangible benefits!

With a 5.34% option pool, $534 million worth of options has been distributed to employees.

Except for a small number of new employees who have just joined Ruixiang, other high-performing old employees and backbones have a lot of options in their hands, ranging from tens of thousands of dollars to millions of dollars.

The higher the valuation, the better the return they will receive in the future.

The good news that Ruixiang has a valuation of $10 billion, how can they not be excited.

All of them are like chicken blood, and for a while, the work efficiency has improved a lot.

Group high-level meeting room.

Zhang Yida sat upright, glanced at the company's senior executives sitting around, and said:

"The group raised $2 billion this time, and I see that the employees below are very excited!

It's not that I poured cold water, Ruixiang is far from a success now.

Everyone should calm down, focus on research and development, expand the market, and increase revenue.

Don't lie on the laurels of the past and wait for death, and don't get carried away by the victory in front of you.

Growing company valuations is a good thing, but it also means more pressure.

Next, urge colleagues in their respective departments to not have any slackness.

Okay, that's it, and now we're going to start today's meeting. ”

After speaking, Zhang Yida set his eyes on CFO Lan Lan.

Lan Lan was dressed in white professional clothes, and her whole person was solemn, and she continued:

"The first investment of $500 million in Penguin has arrived, and the second and third $500 million will be in 2 months and 4 months in batches!

The $1.5 billion funding is planned as follows:

US$400 million was invested in the research and development of four cutting-edge technologies, US$200 million was used to increase the capital of microfinance companies, US$100 million was added to the group's reserve fund account, and US$800 million was invested in mobile payment business subsidies. ”

As soon as these words came out, several families were happy and some were sad.

Ren Yunfan, general manager of the emerging technology business group, and Xie Huaiyu, general manager of the open technology business group, were overjoyed, and the four cutting-edge technologies and Mobao Pay were under their jurisdiction.

The majority of the financing has been allocated to both of them, and it is clear that the group attaches more importance to their business group.

Hong Haibo, general manager of the consumer finance and wealth management business group, was a little surprised, but he didn't expect that there would be 100 million US dollars allocated to their business group, which was unexpected!

Wang Lina, general manager of the mobile service business group, and Gu Panpan, general manager of the content advertising business group, were very disappointed, and the business group they were responsible for did not receive a penny.

Seeing that the two of them were a little depressed, Zhang Yida looked at the two of them again and said:

"Here, I would like to praise Lina and Panpan, most of this year's revenue is generated by the mobile service business group and the content advertising business group.

Our financing went so smoothly and we also obtained a relatively satisfactory valuation, and the two of you contributed a lot.

In recognition of your outstanding performance, the Group awarded you $1,000,000 in options each!

I hope that you will make persistent efforts in the next work and create better results. ”

After Zhang Yida finished speaking, he took the lead in applauding the two of them, and other high-level officials also applauded and celebrated.

Gu Panpan and Wang Lina were worried and then happy, their faces flushed, and they quickly got up to thank them and said a lot of loyal words.

This fund allocation is a plan made by Zhang Yida after repeated thinking.

Mobile payment is related to the near-term development of Ruixiang, and it must invest heavily to defend and increase market share.

The four cutting-edge technologies represent the future and are related to the long-term development strategy. Technology is the primary productive force, and tightening the belt must also continue to develop.

Next, Zhou Feng, CTO of the group, reported:

"The traffic entrance of the QQ client and WeChat customer service has been connected with Penguin......"

"Is it docked? I'll try. ”

Zhang Yida hurriedly took out his mobile phone, opened the WeChat APP, I-pay, swipe down the screen, third-party services, Jiugongge has one more "investment and integration", next to it is Dianping, Didi, Goudong.

Click on Touronghui, WeChat authorized login, and entered the page that Zhang Yida is familiar with, and the whole process is very smooth.

After some experience, Zhang Yida put forward several suggestions:

First, for the customers who come from the penguin diversion, we should do a good job of follow-up, and we can give some activities to attract new rewards.

The real-name card is rewarded with a phone bill recharge coupon, and the deposit of 100 yuan in change treasure is rewarded with a magic treasure payment credit red envelope, and the use of magic treasure to pay a financial supermarket is rewarded with a red envelope......

Try to guide users to experience all the financial services of the APP!

Second, guide users to share their circle of friends, give invitation rewards, and increase efforts to attract new users.

Third, guide users to transfer from WeChat to the investment and financing APP in an orderly manner.

Zhou Feng was dumbfounded, this is to squeeze out the use value of penguins! It is also full of routines for users......

Zhang Yida laughed and said:

"Although Penguin is our shareholder, it is more beneficial for us for users to get used to using the APP.

Even if it's mobile payment, people scan the code to pay, and you have to enter our software through WeChat, that's too troublesome, it's better to take out WeChat and scan it directly.

In addition, the main function of WeChat is social networking, not various financial services.

We want to let users understand a truth, the most convenient and comprehensive financial services in Ruixiang!"

Ruixiang only uses the traffic of the penguins, not completely merges with the penguins. If users are accustomed to using WeChat to enter the investment and financing APP, then Ruixiang will basically be cool.

Zhang Yida sees this very clearly. Rely on WeChat, but you can't rely on WeChat completely.

Ruixiang must have its own independent application scenarios, and also have to instill this idea in users, penguins are used for chatting, and Ruixiang is used for investment loan transfers.

Zhou Feng also reacted, and then nodded solemnly.

"Dr. Ren, how is Ruixiang Financial Cloud?" Zhang Yida asked as he looked at Ren Fan.

"The experimental phase has been completed, and the commercial version can be officially released this month. As soon as Ren Fan mentioned Ruixiang Financial Cloud, he immediately came to the spirit and preached:

"Mr. Zhang, this is definitely an epoch-making product, at least for the financial field......

"Jiufu Cloud" fully combines the technical experience of Ruixiang Jinke in the scenario side and the business side, coupled with the advantages of cloud infrastructure and data processing, to form a set of technical support including user authentication, account system, payment system, risk decision-making, capital routing, AI engine and other modules.

Under the empowerment of "Ruixiang Financial Cloud", on the one hand, enterprise cooperative customers can provide users with a more comprehensive credit rating dimension and establish a personal three-dimensional and complete credit database;

Its outstanding big data processing capabilities will effectively shorten the review process and loan speed of user consumption, and bring faster credit and installment consumption services to users......

Secondly, Ruixiang Financial Cloud can also provide users with 24×7 hours of cloud computing and security operation services, so as to better ensure the privacy data security of users.

On the one hand, the integrity of the data is ensured through security technology, and the data is not tampered with by unauthorized users in the process of transmission and storage.

On the other hand, through authentication methods such as key technology, new algorithms and encryption algorithms, the data is encrypted at all stages of data transmission, storage and processing, and the information is processed by cloud technology to realize the concealment of information and protect the security of user data......"

Zhang Yida nodded: "Very good, the colleagues of the emerging technology business group have worked hard for most of the year. After achieving good results in the commercial stage, the group will give an option award. ”

Then Zhang Yida asked: "How is the progress of face recognition technology?"

As soon as he heard Zhang Yida mention this, Ren Fan's face fell, and he said with a bitter face:

"It's not easy, and there hasn't been much breakthrough yet!"