After updating the APP version and reopening the APP, the users of the Touronghui APP found that there was an extra cartoon elephant on the homepage.

The cartoon elephant also has a column to introduce, what is called "intelligent financial assistant".

Many users click on this elephant, and then they can get a financial health check-up to evaluate their financial behavior, such as the risk appetite of the stable type and whether the risk of the overall position asset allocation is reasonable.

Finally, this smart financial assistant will also recommend investment plans based on the user's past investment preferences, all about fund matching.

For conservative users, they recommend change, money market funds, and various short-term wealth management funds.

For growth users, bond funds and hybrid debt funds are mainly recommended.

Aggressive users mainly recommend equity funds and mixed stock-biased funds.

At the same time, it also provides each user with an asset allocation bar chart.

For example, money market funds allocate 50%, bond funds allocate 30%, and stock funds allocate 20%.

For some old investors, this feature is a bit redundant and frivolous.

But for financial novices, this is much more convenient, and many people follow the recommendations of financial assistants to diversify their investments.

In addition, there is also a function on the page after clicking on the elephant is the "full asset perspective".

After the user authorized to enter, he saw all his assets, including the appraised value of the house, the appraised value of the vehicle, bank deposits, fund assets, and P2P assets......

At the same time, you can also see liabilities, various consumer loan liabilities, credit card liabilities, housing loan liabilities, car loan liabilities......

Finally, the net assets data, monthly loan repayment data, cash flow data, monthly total financial income, and monthly total loan repayment data were also obtained......

The more accounts and authorizations a user has in 365 Bookkeeping Manager and CardKing Credit Manager, the more accurate this report will be.

For users whose bookkeeping and authorization are not comprehensive enough, the intelligent financial assistant also gives tips.

Many users rushed to complete the data and then saw a comprehensive personal asset report.

There are many users who themselves may not remember the total assets and total liabilities of an individual, as well as the net worth and monthly cash flow.

Now, the elephant financial assistant has helped them figure it out.

Many people are preparing to share it to the circle of friends to pretend to be a B, but they are afraid of exposing their personal net worth.

Just when they were struggling, they found a small function, asset hiding.

With a little "eye" button, all kinds of data on the asset report are immediately hidden.

Some B kings are still not satisfied, this data is hidden, how can they pretend to be B?

Then they found a nice little feature that can selectively hide a certain piece of data.

As a result, some users hid all kinds of liabilities, revealing only a "house appraisal of 5.5 million, car appraisal of 800,000, securities fund of 2 million, P2P wealth management of 1 million, insurance of 200,000 ......"

Come on, a multimillionaire is out, and it is still evaluated by the elephant financial assistant.

Then, this user posted a circle of friends and pretended to be a b, looking at all kinds of sycophantic comments, and his vanity was satisfied at once.

He actually wants to say: he still has a 3.8 million house loan, a 400,000 car loan, and still owes the bank 1 million......

This is actually Zhang Yida's bad taste, he thinks that it is necessary to meet the customized needs of some users to "show off their wealth".

However, this installation of b method will not be long in the installation, and users who have installed the investment and financing APP and used the intelligent financial assistant service will soon understand the tricks.

......

"Mr. Zhang, our intelligent financial assistant, has only been online for two hours, and more than 30 million users have used this service......"

Ren Yunfan, general manager of the data division, walked into Zhang Yida's office and reported to him.

Looking at Ren Yunfan with a happy face, Zhang Yida also nodded, he did a good job, and praised:

"Lao Ren, this is the result of your well-planned planning and the hard work of the engineers below. This time, I gave a credit to all the technical personnel involved in the research and development, and asked the finance department to issue a batch of bonus packages. ”

Ren Yunfan knows that this bonus package is cash plus options, which is very generous. smiled and said: "Then thank Mr. Zhang for his love for the brothers below." ”

The two services provided by this intelligent financial assistant are financial health check-ups and all-asset perspectives, using three technologies: cloud computing, big data, and AI.

In addition to the blockchain, it can be regarded as the integration of three of the four cutting-edge technologies of Ruixiang, which can be regarded as a technological crystallization of Ruixiang Group.

Zhang Yida is very clear about the difficulty of development, and he feels that the data division has done a good job this time, and it deserves a lot of rewards.

At present, the highest salary in the company is Ren Yunfan's group of technical experts, of course, he has to be enveloped, and Ruixiang's future is also all pinned on those people.

After all, Ruixiang aspires to be a tech giant, not a lending giant......

"Follow-up observation and testing, and fill in the loopholes in time. Otherwise, it will be a big trouble if the user's investment preference is evaluated incorrectly. Zhang Yida commanded again.

"Okay, we'll take it a little more seriously. ”

Ren Yunfan is also a cautious person and knows Zhang Yida's worries. If a conservative user is evaluated as aggressive, and then leads others to buy stock funds, and loses money and triggers user protests, it will be a big shame!

......

"Ruixiang has launched an intelligent financial assistant, what do you think?" Jackma asked Pang Lei.

"Ruixiang's technological strength has grown and can no longer be regarded as an advertising company. ”

Jack Ma smiled, she knew what Pang Lei meant by "advertising agency".

Ruixiang's main revenue has always been the seven major financial supermarkets in the past, so I call them "advertising companies".

"Yes, they have some accumulation in AI, big data, and cloud computing. They can't be underestimated anymore.

You see, in addition to mobile payments, they are now also working on wealth management and technology services.

I heard that their monthly loans and monthly loans have also exceeded 2 billion yuan.

Their various business lines are highly overlapping with our Leech Financial Services. In addition to Tenpay, Ruixiang is the second biggest henchman of Leech Financial Services. ”

When Jack Ma talked about Ruixiang, he was also embarrassed. If you don't pay attention, the other party will grow to this point.

Knowing this, the acquisition could not be achieved at that time, and the other party should be covered to death in swaddling clothes.

Pang Lei saw what Jackma was thinking, shook her head and said, "From the moment the penguins became shareholders, it was not easy to defeat them. Now that there are four major lines to support him, we can only play the dignified array. ”

Jackma glanced at Pang Lei and said with a smile: "What do you think? Am I that kind of person? I crush my opponents, and I never use a clear plan." ”

Pang Lei nodded, and said, "Then Mr. Ma, you say, what should I do now?"

Jackma sighed and said, "The most important thing is mobile payment. Cut off the tentacle of Ruixiang, and they are the turtles in the urn. ”

"Continue to fight the subsidy war?" asked Pang Lei tentatively.

"yes, we have to keep fighting. If the market share of Mobao Pay continues to expand, the threat to Leech Financial Service will be greater.

Even if we can't defeat them, we can't let them increase their market share. ”

Jackma is also quite a headache, and it is already very difficult to suppress the development of Ruixiang. The mobile payment subsidy is also a trick to kill 800 enemies and lose 1,000 yourself.

Because the market share of Payshell is larger, the subsidy loss is also more.

"In the past 15 years, our market share of Alibei has decreased a lot, and most of it has been robbed by WeChat payment, and Mobao payment has also robbed a small part.

However, with Ahri's e-commerce business as the basic disk, the later share should be able to stabilize. ”

Pang Lei also regretted the decline in the market share of payments.

"I heard that your husband and Zhang Yida have collaborated on an e-commerce project?"

Jack Ma's words made Pang Lei's face a little unnatural, and she said with a straight face: "I don't know about him, we both have our own lives now." ”

"Hey, it's normal for two people to quarrel. Lao Sun is still very good. When he was asked to leave, he was also forced to leave. ”

Pang Lei interrupted Jack Ma and said, "Mr. Ma, don't say anything more, I understand." ”

Jack Ma was very thick-skinned, and he knew that he was embarrassed, but he continued to talk about Sun Yutong.

"Lao Sun has complaints about me, and I understand them. He and Zhang Yida are engaged in an e-commerce project, they don't want to overturn Ahri, right?"

Pang Lei knew that this topic could not be avoided, so she said: "He is arrogant. If you die, you will be a unicorn. There are so few SKUs, who is going to buy things on it?"

"Haha!" Jackma was very satisfied with Pang Lei's attitude, and said: "It should be Zhang Yida who wants to shake Ahri's foundation through e-commerce." This kid is against me at every turn.

Finance, e-commerce, and bike sharing. ”

Speaking of this, Jackma sighed again and said, "The shared bicycle should not be able to kill him." Late admission. No matter how much we invest, we can only pay for it ourselves, and venture capital institutions have basically given up on the track of shared bicycles. ”

"Who says it's not! There are 7 million Huimin bicycles, and we are only a few hundred thousand.

If you want to fight with them, you have to smash at least another 100 billion. ”

Pang Lei shook her head again and said, "In my opinion, this is a little unworthy. ”

"I asked you to talk to Chen Wei, how was the talk?" asked Jackma.

Pang Lei's face was not very good-looking, and said, "Chen Wei said that he should think about it again. ”

"It's been a few months? Still thinking about it? He just wants to excuse himself, but he can't pull his face.

He now has the support of Daddy Penguin, and he is very confident!"

Jackma's tone, to Pang Lei's ears, should also be very dissatisfied with Chen Wei.

"He is now an opponent of Uber, he has a lot of money, and he has his back to Ahri and Penguin, and it is only a matter of time before he wins against Uber, which is not deeply rooted in China.

The wings are stiff, and I feel that I have the strength to get rid of the giants, and I will definitely not be as obedient as before!"

Pang Lei has been angry with Chen Wei a lot recently, and is ready to give him some eye medicine.

"Hehe! I don't even know so much taxi-hailing software, how did he become a thing?

There are no heroes at the time, so that the shaft becomes famous!"

Jack Ma commented coldly, and said:

"The hegemony of shared bicycles has almost become constant, and the only glimmer of life is that everyone merges to form a volume that can compete with Huimin in the shortest possible time.

If this step is taken well, a steady stream of venture ammunition will follow.

He can't see this step, and he will be a housekeeper in the future. ”

"Then will we continue to promote the merger and acquisition of Yong'an Bank next?" asked Pang Lei.

"Why not? But only a small portion of the cash can be sold, and most of it has to be exchanged for shares.

All-cash mergers and acquisitions are too risky and sunk costs too high.

If Yong'an Bank rises in the future, we will pay to wash out other bicycle shareholders. ”

Jack Ma's idea was very good, and the risks were well controlled.

Pang Lei agreed very much, nodded and said: "Okay, then let's merge hellobike first!