The first volume is just the first contact with the two hundred and thirty-three chapters of the four major lines

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After the four branch presidents invited by Xu Jiaming arrived, Li Mucai expressed his needs and built an online payment platform to prepare for the next step of 3321 out of Yanjing. ∑，

Internet banking is as early as the mid-to-late nineties of the last century has begun to develop the concept in China, when the major banks completed the first online transfer, TV news also reported on the news, which means that domestic banking services have kept up with the trend of the world and entered the Internet era.

However, in the following years, the development of Internet banking in China can almost be described as stagnant, except for a very small number of people who can use and dare to use the Internet to transfer, most of the people are still very new to Internet banking.

Zhai Yuan, president of the Agricultural Bank of China, asked Li Mu: "3321 does online payment, will there be technical problems in the future?"

Li Mu said with a smile: "I need to open an online payment merchant in your branch, but for users, no matter which bank they are customers of the four major banks, as long as he uses Alipay to transfer money, then the information they see is that they transferred the bank's money to Alipay, so they will think that the money is given to Alipay, as long as the bank clearly reminds the user that the fee has been deducted, if there is a problem with Alipay's feedback, the user will definitely contact us." ”

Zhai Yuan nodded and asked Li Mu: "What about the funds? How do users pay 3321 through Alipay in our bank's online banking?"

Li Mu said with a smile: "All the funds are deposited in the accounts opened by Alipay in the branches, and we will entrust the money to you for custody and accept the supervision of the central bank." ”

ICBC President Hu Qiyun asked Li Mu: "I don't know if my understanding is wrong, is Alipay ready to open an account in our four banks and entrust us to custody, in addition, when users use the Internet banking of the four major banks to transfer money to Alipay." Is it directly transferred to Alipay's account with the bank?"

Li Mu said with a smile: "President Hu, you understand correctly, if I open an account in your branch, then in the future, all 3321 users across the country will pay through the ICBC online banking." The money will be transferred to the Alipay account opened at your branch. ”

Speaking, Li Mu added: "3321 has a weekly turnover of millions at the moment, and if it expands to other cities in the future, it is possible to have a weekly turnover of tens of millions, and every sum of money will be precipitated in the bank account for a period of time." At that time, we will also take the four major ranks as cooperation support units when 3321 is promoted nationwide. ”

Li Muyi said that there may be tens of millions of flowing water in Alipay every week, and the presidents of the four branches are a little surprised, although the task of collecting savings from the bank does not need them to perform it personally, but after all, it is also counted in their work performance, and the precipitation of tens of millions of funds per week is not a trivial matter for any branch, not to mention, Li Mu also wants to sell them a favor here and give Alipay the green light. Naturally, it will be beneficial to them and not harmful.

However, Li Mu did not say the future development direction of Alipay, Li Mu has been communicating with them with 3321, making them think that Alipay is a derivative of 3321, but as long as Alipay opens up the interface of bank payment, this payment channel will become the top priority of its future development in the Internet field. Using someone else's third-party payment channel is equivalent to putting the switch of the major artery in someone else's hands, and someone else can strangle this artery at any time.

In the future, Tencent will frantically attract hundreds of millions of Chinese people to grab red envelopes on WeChat, in order to open up the situation for WeChat payment. It's good to compete with Alipay, if there is no WeChat, Tencent in the mobile Internet era will definitely be extremely dangerous.

The four presidents don't know what room for development of Internet payment is now, they only think that this is a tool that Li Mu wants to use to assist 3321. But I can't guess that Li Mu's biggest goal is actually to turn it into a platform.

At present, for the four presidents, the immediate problem is extremely simple, it must be to cooperate with Li Mu with all their might, not to mention the relationship between Xu Jiaming, just the public welfare effect of 3321 and the future precipitation of 3321 in Alipay, that is, the cash flow in their bank accounts. It's already impossible for them to refuse.

In fact, Li Mu is absolutely sure, even if there is no relationship with Xu Jiaming, he can convince the people of the bank, but the most critical problem is that he does not know the people inside the bank, and it is still very difficult to contact a person at the level of a president, but Xu Jiaming is different, he makes a phone call, and the presidents of the district branches of the four major banks will appreciate their faces and go to the appointment, which is the use of connections.

The four presidents made a decision on the spot, and opened an online payment merchant for Alipay next week, and signed a cooperation agreement with Alipay.

For example, in the cycle of precipitation of funds in Alipay account, if there is no Xu Jiaming, the bank may have a hard requirement, but with Xu Jiaming, I believe that the bank can be exempted from the shackles.

Also, Alipay's future docking with other channels, Li Mu has also been worried before, if the bank has a discerning person, in Alipay's contract to restrict Alipay's freedom to adapt to the platform in the future, and then use this to negotiate conditions, things will become a little passive.

Li Mu verbally touched the contract details with the four presidents, and the above two points, they all promised verbally that they would not be restricted and give Alipay absolute freedom.

That's enough.

Li Mu put his mind at ease and negotiated a signing time with the four, from Monday to Tuesday next week, two contracts will be signed every day, and the contract details of the four banks will be the same to ensure fairness.

Xu Jiaming said to Li Mu: "I happen to have nothing to do next week, didn't your car crash, and then I will drive with you to sign a contract and be your driver." ”

Before Li Mu could speak, the four presidents around him were a little surprised, but they didn't expect Xu Jiaming to be so polite to Li Mu, just to help match, and even accompany him to sign the contract.

However, Li Mu really received Xu Jiaming's favor this time in his heart, he said this, on the one hand, he wanted to make these four presidents realize that he had a "great friendship" with him, on the other hand, it was also the potential to strive for the looseness of the contract terms for himself, he wanted to accompany the signing together, then these presidents would definitely not change the details of the contract without authorization, how to talk about it today, how to sign it next week! For mobile phone users, please visit wènhttp://mnet

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