In the face of the old and refined King Qian, Zhang Yida was very honest and recounted what he had said with Li Chuan and other rich three generations on the yacht.

Li Wenzheng nodded again and again when he heard this, his cloudy eyes radiated the light of wisdom, and he said: "Your line of thinking is correct, just like when we entered the mainland in the 90s. Technology for market.

Compared with Indonesia's local Internet companies, Internet companies in Chinese mainland have a market value of tens of billions and hundreds of billions of dollars.

Whether it is technology, capital, or business model, it is far better than Indonesia's local Internet companies. ”

"Yes!" Zhang Yida was not modest, and said: "The domestic Internet dividend has basically reached its peak, and if we want to seek development, we must go abroad and go to a broader world."

Regardless of the European and American markets, the Southeast Asian market, which is closest to the mainland, must be won. ”

Li Wenzheng suddenly coughed again and again, and Li Chuan, who was sitting on the side, hurriedly got up and stepped forward, handed the hot tea on the table for his grandfather, and gently stroked the old man's back.

After Li Wenzheng took a sip of tea, he took a big breath of fresh air, and only calmed down after a while, and said to Zhang Yida: "Let Mr. Zhang smile, I am also eighty and seven this year, and if I can live one more day, I will earn one more day." ”

"Li Laoyan is serious, I see that you are so energetic, you must be a blessed person who lives a long life. ”

Zhang Yida knew that Li Wenzheng had heart bypass surgery in the 80s, and according to the other party's family background, he enjoyed the world's top medical services.

"Haha. Li Wenzheng waved his hand and said: "It's enough to live to this day, and I have seen the prosperity of the motherland and the prosperity of the family, and this life is worth it."

I have always kept up with the times and paid attention to nanotechnology, digital technology, and the Internet, but I don't want to be abandoned by the times.

Live and learn to be old. ”

"Mr. Zhang, how much do you plan to raise from the third phase of the industrial fund?" Li Wenzheng asked again.

"The initial plan is 1 billion US dollars, and our operation mode will be different from general financial investment, mainly for industrialization investment, including mobile payment, e-commerce, travel, Internet finance and other fields.

At the same time of investment, we will also bring China's advanced technology, products and models to Southeast Asia.

Of course, it is not limited to the Southeast Asian market, but also Japan, South Korea, and India, and we will focus on Africa, South America and other regions in the next step. ”

Li Wenzheng bowed his head slightly and said, "Listen to Xiaochuan, RPay is also owned by you?"

"Yes. Zhang Yida explained: "Last year, we established this company as a joint venture with three local Indonesian Internet companies. ”

"It's quite convenient to scan the code to pay. As far as I know, Ruixiang's core product is also this magic treasure payment. ”

Before Li Wenzheng made an appointment with Zhang Yida, he asked someone to collect information about Zhang Yida and his company, so he still had some understanding of Mobao Payment.

Zhang Yida saw that the other party knew Ruixiang so well, and he also knew that people must have studied him, otherwise how could he make an appointment with him with a big grin.

"Yes, mobile payment can be called the most important product of Ruixiang Group, which assumes the role of the entire group to gather users and traffic.

If there is no magic treasure payment, no matter how good Ruixiang's other products are, they will be rootless and unable to retain users. ”

Li Wenzheng nodded to indicate that he knew, and then asked: "So this most important product was taken to sea by you?"

"Other products are not suitable for landing for the time being because of the Internet infrastructure in Southeast Asia.

Therefore, RPay is the first product of our front station, and if the follow-up development is smooth, a complete set of services including wealth management, consumer finance, and big data credit will be transplanted and on a par with China. ”

"But I have a doubt, since you have RPay, why did you join forces with Grab to form GrabPay?"

Zhang Yida said secretly, this old man is really shrewd, worthy of being an old man who has been crisscrossing the shopping mall for nearly 70 years, and he knows his bottom clearly.

There are 11 countries in Southeast Asia, each with different policies, languages, and customs, and it is very important to localize operations.

The second is to diversify the risk and not put all the eggs in one basket.

In the future, when the business of the two major payment companies collides, or the situation becomes clear, we will consider merging the two payment companies to establish a position in Southeast Asia in one fell swoop. ”

Li Wenzheng smiled "haha" and said, "You kid is very slippery." ”

He asked again: "If you pull us into the Lippo Group, what benefits can we get?"

Zhang Yida thought for a moment and replied: "Ruixiang's current valuation is 27.5 billion US dollars, if RPay can be the first in the Southeast Asian market, and move a complete set of products and services to Southeast Asia, the volume of 10 billion US dollars will not be able to run."

In addition to obtaining good financial returns, RPay can also do business with banks and financial companies under the Lippo Group.

Ruixiang has 7 major financial supermarkets in China, and has business cooperation with many domestic banks, including wealth management products, loan products, credit cards and other aspects.

In the digital era, Lippo Group's banks can also take advantage of this shareholder trend to complete digital transformation and take their banking business to the next level. ”

Zhang Yida's words touched Li Wenzheng's heart, and he suffered 5 bank runs in his life in order to resist risks and better inherit his family wealth.

Since 1998, Lippo Group has diversified into real estate, insurance, securities and other fields.

Today, the diversified business has developed successfully, but the financial business still accounts for 70% of the business volume of the Lippo Group as a whole.

Therefore, in recent years, he has paid special attention to the development of Internet finance, and he is afraid that new technologies will subvert traditional banks and financial companies such as them.

"How many shares can RPay give us in the Lippo Group?"

Zhang Yida and Li Wenzheng glanced at each other, and said slowly: "The specific shares still need to be discussed with the other three major shareholders tomorrow."

But Ruixiang must take control, and only we can ensure that RPay is always on the leading and right path. ”

Zhang Yida's words revealed a strong sense of confidence, and Li Wenzheng was also deeply infected, sighing: "Actually, Lippo Group also has the idea of launching a mobile payment software.

But now that RPay is in front of us, it will hurt our own family to launch it again.

As long as Mr. Zhang agrees that we will hold more than 20% of the shares, we will cancel the original plan. ”

"20% stake, a bit high. Zhang Yida shook his head and said.

Seeing Li Wenzheng's frowning, Zhang Yida continued: "Don't misunderstand Elder Li, in addition to Lippo Group, Sinar Mas Group also wants to invest in RPay.

In addition, there are three other major shareholders in the company, and this share is not easy to distribute!"

"Wouldn't it be better if we worked with Sinar Mas Group to buy the shares in the hands of the other three shareholders at a premium?"

As soon as he heard Li Wenzheng's words, Zhang Yida knew that the other party underestimated the important role played by the other three shareholders of RPay in the process of business development.

So Zhang Yida explained to him: "The three major shareholders are Internet companies in the fields of e-commerce, online travel, and taxi-hailing. With them, it has greatly enriched our mobile payment business scenarios.

In Indonesia, the three of them should be regarded as the largest Internet companies.

If they are excluded, they will change shares and start anew, which is likely to cause a lot of unnecessary trouble for RPay.

It's quite possible that while we're still fighting them in Indonesia, other competitors have already taken over most of the Southeast Asian market. As a result, we are missing out on opportunities for development.

For RPay, the most valuable thing is development time. Therefore, we must unite all the forces that can be united, and not set up opponents for ourselves. ”

Zhang Yida will not abandon the other three shareholders in any case, especially GoJek, the founder came from a political family, and GoPay, which was created in his previous life, became the largest mobile payment company in Indonesia.

For RPay, the application scenarios of the three major Internet companies are needed, and the banking resources and local connections of Lippo Group are needed.

In short, we are all indispensable.

"That's my negligence, let Xiaochuan contact them first tomorrow!"

Li Wenzheng has been immersed in business for decades, and as soon as he heard Zhang Yida's words, he understood the truth.

As for Lippo Group's own mobile payment company, he doesn't have much hope at this time.

Without him, there is Rui Xiang Group to support RPay, their chances of winning are not big, the other party's funds are not less than Lippo Group, and the technology and model are even more advanced.

In this case, fighting RPay in the ring is purely thankless.

Li Wenzheng left Zhang Yida at his home and had lunch together.

The meals are hearty, and in addition to the seafood specialties of Southeast Asia, there are also many Chinese dishes.

After the guests and hosts were happy, Li Chuan sent a car to send Zhang Yida to the collapsed hotel.

After sending Zhang Yida off, Li Chuan came to Li Wenzheng's study, ready to listen to his grandfather's arrangement.

"Are you done?" Li Wenzheng was immersed in writing calligraphy, and when he saw his grandson entering the house, he raised his head and asked.

Li Chuan nodded and said, "It's been sent to the hotel." ”

Li Wenzheng opened his mouth again and said, "What do you think of Zhang Yida?"

Li Chuan recalled the contact with Zhang Yida in the past few days, and after a while, he commented: "He is good at integrating forces, has outstanding business ability, and is a character." ”

Li Wenzheng put down the brush in his hand, wiped his hands with the towel next to him, and said: "Originally, I planned for our Lippo Group to launch mobile payment products alone, but when I met him, I changed my mind.

Investing in RPay may be more suitable than doing it ourselves.

I have studied his family history, and in less than 3 years, he has come to this point, and he is indeed a talented person. ”

"In addition to investing in RPay, how much money do we invest in his property fund?"

Li Chuan also agreed with his grandfather's vision, and asked about the contribution of the industrial fund.

"$100 million!"

Li Chuan exclaimed: "So much?"

"Not much, not much, you see, a few other companies can't afford to contribute more than us. ”

Li Wenzheng waved his hand, the more he studied Zhang Yida, the more frightened he became, and he felt that the other party had been like a divine help over the years, whether it was his own development project or investment project, he had one thing in common, and the success rate was extremely high.