According to the "2009 China Online Shopping Market Survey Report" released by Analysys International, the amount of online shopping in Modu and Imperial Capital in 2008 exceeded 10 billion yuan. In the central provincial capitals and the western regional centers, the number of online shoppers and the amount of purchases more than doubled in 2008 compared with the previous year.

Third-party payment, which is inseparable from online shopping, has also grown rapidly like wildfire. It is estimated that the total number of third-party payment instrument users will reach 340 million by the end of 2009.

"There are two main modes of payment in the current payment link of Qiandai.com, one is the gateway payment model, which is to connect the online banking payment gateways of different banks to our platform, and the other is the virtual account payment model, which we link Alipay and Tenpay, who are the leading players in this field. ”

Ding Le flipped through the materials, and Fei Yang explained. These two models are actually the general models adopted by the current e-commerce platform.

"No matter which model is adopted, the final payment will have to go through web page redirection and delayed waiting, which greatly affects the customer experience, so we will have the idea of doing it ourselves. ”

Fei Yang explained, Chang Dong added on the side, the two of them teasing and laughing, it was the same as talking about cross talk.

"And no matter what kind of model is adopted, we are draining traffic to others and making wedding dresses for others, and only by making payments can we achieve a closed loop of traffic!"

Fei Yang finally said something that made Ding Le extremely moved. Ding Le understands this truth, and that is because of the accumulation of knowledge in his two lives, and Fei Yang and Chang Dong can realize this, which is enough to prove that they have really worked the company's operation.

Ding Le fell into deep thought after listening, in his previous life in 2013, when Haizhou Bank was on the mobile banking project, he participated in the early business demand collection as the branch president, during which he did a lot of homework on third-party payment.

At this moment, those memories of third-party payment are flashing back quickly in his mind, and no one has a deeper understanding of third-party payment tools than him.

Ding Le closed the information, propped up the table with both hands, looked at the two, and asked softly: "Your report is very well analyzed, I absolutely support it, which link are you stuck in now?"

"Boss, there are two solutions in the report, but there is a conflict between me and Fei Yang's choice, and he advocates that we recruit our own troops and start from scratch. I just want to spend money directly on the market to acquire a company, so it will come quickly!"

Chang Dong spoke quickly, in this matter, neither of the two could convince the other, and finally had to fly to Hong Kong Island to ask Ding Le to adjudicate.

"By choosing M&A, we can quickly enter the industry, but the integration of corporate culture after the acquisition is a problem, and the scale of the entrepreneurial team is expanding too fast, which is also a challenge to management. ”

Compared with Chang Dong's radicalism, Fei Yang tended to be more conservative.

"If we recruit and do it ourselves, there will be no corporate culture integration, team management and other problems, and we can save a lot of costs!"

Fei Yang expressed his opinion that as the company's business grew and there were more and more people, the effective management of the team became an urgent problem in front of him.

In the past two years, the online payment business is in a period of rapid development, according to the forecast of Analysys International, the size of China's third-party payment market will reach 500 billion yuan in 2009, and the number of payment-related enterprises will reach more than 300. Due to the lack of relevant regulatory policies, the third-party payment industry is still in a regulatory gap.

In Ding Le's impression, starting next year, the central mother will promulgate the "Measures for the Administration of Payment Services of Non-financial Institutions", determine the supporting management measures and rules related to third-party payment, and implement license management for third-party payment institutions.

Since then, payment licenses have become a scarce resource, and at the craziest time, a license was speculated to 3 billion yuan.

If you choose to start from scratch now, you will not have an advantage in the time window. But Ding Le couldn't tell the twists and turns in his heart, so he had to play the domineering president again.

"If you have a suitable target, launch a merger and acquisition offer immediately!"

Ding Le's hand slapped the table hard and made a decisive decision.

The boss spoke, and Fei Yang no longer insisted. Since the two of them began to work together in the Taiping Branch, he has been brainless and obedient to Ding Le's decisions.

"At present, in the field of third-party payment, Alipay and Tenpay occupy the vast majority of the market share, whether in the market execution ability, or in the ability to innovate products, are far ahead of their peers! ”

Chang Dong saw that the boss chose to support his own plan, so he cleared his throat and continued to speak.

"You first clarify the acquisition target, and then contact Xia Xiao, and the follow-up work will be taken over by her!"

Fei Yang and Chang Dong just thought of Qiandai.com, while Ding Le also thought of Jumei.com, as well as other projects invested by Galaxy, and there are many application scenarios for third-party payment in addition to online shopping. And whether it is Internet finance or e-commerce platforms, traffic acquisition is an eternal topic.

Galaxy Investment still has a large amount of money lying in its account, and it is worried that it will not be able to find a project, and it is effortless to acquire a third-party payment company. To put it mildly, if Mr. Ma agrees, it is not impossible for Galaxy Investment to buy Alipay.

According to Ding Le's assumption, after Galaxy Investment acquires a third-party payment company, it will be connected to the application scenarios of Qiandai.com and Jumei.com at the same time. Pure third-party payment is not a good business, and only embedding payment into specific application scenarios to form a closed loop is the king.

"I want Chang Dong to be the CEO, and the money bag network will be handed over to Fei Yang in the future, I don't know what the two of you think?"

After Ding Le made a merger and acquisition of a third-party payment company, he also adjusted the positions of Fei Yang and Chang Dong.

The dual CEO system of Qiandai.com has always been a topic of conversation in the industry, and various public activities after the establishment of the company, Fei Yang and Chang Dong have always been inseparable from Meng, and Meng has not been defocused, but through this disagreement between the two on payment tools, Ding Le smelled a trace of crisis.

As the saying goes, one mountain cannot tolerate two tigers, and with the expansion of the money bag network, the company will also encounter various problems that are difficult to choose. And as the two CEOs have different perceptions of the company, the probability of disagreement in the future will become higher and higher.

In Ding Le's view, this is a time bomb that will endanger the company's survival at any time. In order to avoid this situation, Ding Le had to remove the lead wire in advance.

"Ahh

"Ahh

Hearing Ding Le's decision, Fei Yang and Chang Dong made surprised voices almost at the same time, with an unacceptable expression!

"There are far more application scenarios for third-party payment than you think, and this year is the first year of 3G commercialization, and the future of mobile phone payment is the real sea of stars, considering the important position of this payment company in the entire galaxy investment system, I must make a trustworthy person!"

Ding Le looked directly at Chang Dong and painted a magnificent picture to him in very seductive language.

"Among the two of you, Chang Dong has a jumpy personality, dares to break the routine, and is easy to accept new things, which is more suitable for this important role!"

When Ding Le said this, Chang Dong's face was slightly red, just like an obedient student who was praised by the teacher, and he was a little embarrassed. With his shy appearance, even Fei Yang on the side shouted that he would see him for a long time.

"You are still pretending to be innocent with me, how is the matter between you and Wang Xiaona? When can you invite me to drink wedding wine?"

Ding Le didn't pay attention to Chang Dong's cute expression, and hit the nail on the head with one sentence, so Chang Dong immediately fell into a feeling of being out of place, and selling cuteness became miserable!