Then Zhang Yida led people to several foundries such as Futukang, Phoenix, Permanent, and Giant, and gave a design drawing, ready to let them give a price plan.

After returning to Beijing, Zhang Yida received an invitation letter that the first World Internet Conference would be held in Wuzhen, Jiaxing, Zhejiang. Ruixiang and Yimin are also well-known in the Internet industry, so they both received an invitation letter.

As for the convening time, it is still early, November 19th. Putting this matter aside, Zhang Yida began to deal with the company's mail.

As Zhang Yida's career territory is getting bigger and bigger, there are more and more branches and subsidiaries under it, and many times he is lacking in skills, and office affairs are handled and replied to by email.

Specifically, the CEOs of each subsidiary and senior executives at or above the vice president level directly sent emails to report to Zhang Yida. Often, Zhang Yida's mailbox is filled with dozens or hundreds of emails.

Zhang Yida clicked on the mailbox and began to look through the mailbox.

The content of the email sent to him by Gu Panpan, general manager of Ruixiang Jinke Content Advertising Business Group, is:

Mr. Zhang, at present, the total number of registered users has increased to 150 million, but there are only 30 million daily active users and 80 million monthly active users.

There are also users who use it for an average time of only 15 minutes, which is very short and too sticky.

I think about whether to enrich the products and services of our platform? At present, the services we provide are all financial in nature, and for users, they are not needed every day.

What I want is that we add more service scenarios to increase the time spent by users.

For example, we have cooperated with Didi and Magnesium Group to increase the number of taxi and takeaway ports on our platform to enrich our services. At the same time, some advertising revenue is added. ”

For her question, Zhang Yida can only scratch her head, financial products are like this, unlike penguin products, everyone needs to chat every day, and Ahri's e-commerce everyone has to buy things every day.

However, Gu Panpan's suggestion is very good, adding some other widely used application scenarios to the investment and financing APP to increase customer activity and usage time.

Zhang Yida emailed her and replied:

"Your advice is good. In addition to Didi and Meituan, we can also add more and more daily application scenarios on our platform.

For example, phone bill recharge, water, electricity and gas bills and so on.

In addition, a set of user points system has been launched, and points will be rewarded according to the user's consumption and activity on the investment and financing platform.

At the same time, a points mall will be launched for users to redeem goods. The goods can be daily necessities, investment red envelopes, loan coupons......

Another one, recruit a small game development team to develop one or two mini-games within the platform to test the waters.

In short, the purpose is to increase the number of active users and the time spent by users. ”

Then look at the next email, which was sent by Wang Lina, general manager of the mobile service business group, and the content is as follows:

"Mr. Zhang, 365 bookkeeping manager and Kawang credit card manager are currently experiencing growth bottlenecks, and user growth is slowing down.

According to the analysis, there are two reasons for this:

The first is that the usage scenario is too narrow, and users with bookkeeping habits and credit cards will only use our products;

The second is the sniping of competitors, many bookkeeping products and tube card products on the market are increasing user recruitment and subsidies, competing with us for users.

I propose to fight back on two fronts:

The first is to increase subsidies for new users and attract new users to consolidate our leading position in the market. At the same time, some activities were launched to call on the whole people to keep accounts and expand the market with the virtue of "diligence and thrift".

The second is to enrich our product line and implant more functions in bookkeeping and card management products, such as opening up users' various platform accounts, crawlers to capture data and automatically bookkeeping, and adding credit card knowledge to teach users to use credit cards reasonably through videos and texts. ”

The advice is still very good, but there are some things that need to be paid attention to.

Zhang Yida wrote an email reply:

But the crawler needs to pay attention to the fact that the user must actively agree to the authorization before scraping the data. Don't scrape data without the user's consent and infringe on the user's privacy.

In addition, in the knowledge sharing section of credit card use, it is necessary to pay attention to communicating with major banks, and avoid some behaviors that are not allowed by banks when sharing knowledge.

Don't spoil the relationship with the major banks, after all, the credit card supermarket sector is inseparable from the big financiers. ”

The next email was sent by Ren Yunfan, general manager of the emerging technology business group, involving many affairs:

"AI R&D has obtained two patented technologies, but there is still a shortage of R&D engineers, so I request supplements.

The R&D capability of the underlying technology of the blockchain is insufficient, and it is requested to merge and acquire one or two enterprises in the industry to increase R&D strength.

The big data technology experiment has been successfully completed, and the next step is to implant all the products of Ruixiang Jinke in an all-round way.

Cloud computing is undergoing various experiments, and the first cloud will be launched at the end of the year, Ruixiang Financial Cloud, to empower financial enterprises.

In addition, there are currently too few cloud computing server equipment, request supplements. ”

The Emerging Technology Group now has 4 products, AI, Blockchain, Big Data and Cloud Computing. The original Mobao Payment, Mung Bean Credit, and Tiance Data are classified as open technology business groups.

As one of the business groups invested in the key resources of the whole group, Zhang Yida has always paid close attention to the emerging technology business group.

They are indeed a gold-eater now, but in the future, they will shine.

At present, the engineers with the highest R&D level of the group are concentrated in this business group, and the purpose is to build a moat for Ruixiang Jinke.

Science and technology are the primary productive forces, and at present, this business group has not generated a penny of income, but Zhang Yida is still throwing money into it.

Because compared with Penguin and Leech Jinfu, Ruixiang's background is too shallow, and it can only be said that it is relatively innovative in terms of model, and it is a big difference in the underlying technology.

If this shortcoming is not made up in time, the backward technology will be reflected in the product and the user experience. No matter how much money is made at present, it is rootless.

The profits of the entire group are invested in Mobao Pay, and the research and development of emerging technologies. The same is true for the distribution of money, including venture capital.

Ren Yunfan is a former core engineer of Google's cloud computing, and it took Zhang Yida a lot of effort to dig him from Silicon Valley to Beijing, and he is one of the talents that Zhang Yida attaches great importance to.

Zhang Yida replied to him with an email:

"Dr. Ren, rest assured to be bold in research and development. If you are short of money and people, just say it. I have only one requirement, to create the most advanced commercial technology, especially in the financial field.

Rui to the next round of financing money, Mobao pays half and you side. High-precision technology is the most important strategic layout of Ruixiang, and there is no one. ”

The general manager of the open technology business group is Xie Huaiyu, CEO of Mung Bean Credit, who sent an email to Zhang Yida to report:

"Mobao payment has expanded according to the original rhythm, and has basically covered the four first-tier cities of Beijing, Shanghai, Pengyang, and will continue to sink to second-tier cities and provincial capitals......

In addition, the University Push Alliance has covered 80% of the country's colleges and universities, with more than 1 million registered members, and college students have contributed a lot to the expansion of Mobao Payment.

Tiance Technology has cooperated with more than 100 financial institutions, including banks, insurance, trusts, funds, Internet financial management, Internet lending and other financial fields.

The "Shenji" robo-advisory system and the "Eagle Eye" big data anti-fraud system have made great contributions and have been widely praised by customers. Here, I would like to thank the technical support of the partners of the emerging technology business group, which is quite powerful.

Mung Bean Credit has exceeded 50 million users at present, and has been vigorously transforming the existing users of Investment and Finance One Account.

The next step is to open up cooperation with other financial companies.

Opening mung bean credit authorization to them, of course, is to give them a part of the authority on the premise that the user agrees to authorize, so that they can call and query the user's mung bean credit data. ”

Zhang Yida sent him an email and commended:

"The work of the open business group during this period has been very good, and Lao Xie has worked hard! However, we must not relax, Tiance Technology and Mung Bean Credit should further expand B-end customers. The C-end customer development of Mobao Pay continues to follow the established rhythm. ”

The general manager of the consumer finance and wealth management business group was promoted by Hong Haibo, the former CEO of Tiance Technology, who reported by email:

"Once the Internet money fund "Coin Treasure" cooperated with Hantai Fund and us was launched, it triggered a rush to buy, and the current fund scale has exceeded 1 billion yuan......

The first batch of 100,000 open users of the investment and financing IOU has issued loans of 200 million yuan, with a balance of 80 million loans. Assets have performed well, with the overdue rate remaining below 0.5%. It is recommended to extend credit to users in the second phase.

In the first phase of the 100,000 users of the investment and financing wallet, a total of 130 million yuan of loans were issued, and the balance of loans was 60 million. The asset performance is even better than the IOU, and the overdue rate is controlled below 0.3%. It is also recommended to open the second phase of the quota. ”

Zhang Yida replied to him in an email and said:

"Hantai Fund continues to pay attention and communicate more with Han Group, but do not interfere too much in specific operations.

The original agreement was that we were responsible for the money market fund, and they were responsible for the hybrid fund and other equity investment funds. We just need to do our money market fund.

The IOU and the wallet agreed to open the second phase of the quota, with 200,000 each. Continue to observe the quality of credit assets in the future, and do not relax. ”

Rubbing his eyes, Rui Xiangjinke's five major business groups have finished processing. It's time to look at Yimin Financial Service again.

Ding Siyao, CEO of Yimin Wealth, reported by email:

"At present, the number of corporate financial planners has exceeded 200, and it is recommended to open branches in other first-tier cities to expand local business. ”

Zhang Yida replied:

"Approval! But pay attention to the mixed results brought about by the expansion of the financial planner team, and use the last elimination system. Constantly infuse new blood, as well as weed out unqualified financial planners. Keep the whole team fighting!"

The CEO of Yimin Puhui reported:

"At present, it has expanded to 20 first- and second-tier cities across the country and opened 8 new loan stores. The asset quality is stable, and the overdue rate has been controlled within 4%. ”

Zhang Yida replied:

"To control the pace of store opening, we must not only complete the goal of opening 50 loan stores this year, but also control the quality of assets.

The overdue rate has dropped to below 3%, and an option gift package will be rewarded this year!"