On the way to the company, Yu Song was thinking about what happened just now.

In this day and age, the means of payment are extremely simple, cash or bank transfer, both of which have disadvantages.

When you pay in cash, you can get a lot of points. Of course, there will be a situation like this morning, and the big money can't be found.

Bank transfers are generally large amounts, but taking numbers, queuing, filling out forms, a lot of process down, wasting a lot of time.

In everyone's mind, this is all means of payment, and online payment has never been heard of for everyone.

What if you do Alipay by yourself? The more Yu Song thought about it, the more he felt that it was feasible.

It's a pity that Yu Song doesn't have enough technology and manpower and material resources now, and it is still a bit difficult to engage in online payment.

However, large-scale promotion is not realistic, so why not start with a small area first? For example, Chen Mo's studio? Or wait for the farm to launch the props mall?

In the end, Yu Song still shook his head, with his own ability, Alipay is easy to make, the most important thing is how to connect with the bank, this is the most difficult problem.

Yu Song thought of Xiang Jiaxiang again, and it seemed that he needed to go to him today.

At this time, Yu Song suddenly felt that he had few connections, and it was necessary to expand it.

As for how to expand his network, Xiang Jiaxiang is his best guide.

When Yu Song was worried, the other person was also distressed.

Xie Tao has been very busy recently, but he is willing to be busy, a little painful and happy.

Seriously, working in the previous company, Xie Tao had never tried to be so busy.

Go to work early every day, stay in the company for a day, and fall asleep when you get home to take a shower.

Busy is busy, but Xie Tao's harvest is really a lot.

Xie Tao is passionate about the Internet, and he has always wanted to develop in the Internet career, but he has been in several companies and found that the current Internet companies are all imaginary.

It's not that the company can't do it, it's just that the company's strategy and development direction are very vague, and there is no goal of its own.

In the final analysis, there are really few innovative Internet companies.

But since Xie Tao followed Yu Song, he found a new world on the Internet, and it turned out that Internet companies did this!

Not only has the company developed rapidly, but the company's employees have grown a lot, and Xie Tao believes that after they leave the company, they can be independent in their respective fields.

Xie Tao gained the most, he followed everything at the beginning of the company, and fortunately Jiang Zheng came later, who helped him share a lot.

In the face of high-intensity work, Xie Tao enjoys it.

There's no way, the boss is too genius, and sometimes what he says casually, it may take him a day or two to understand and digest.

When Yu Song arrived at the company, he called the management and technical backbone into the conference room.

In fact, there are three people, Xie Tao and Jiang Zheng are in management, and one of the treasurers has gone out to do business. The remaining backbone is Feng An, who had dinner with Yu Song last time.

This is Yu Song's first meeting, and everyone is nervous, what is the boss going to do?

Yu Song saw that everyone had arrived, and roughly talked about his thoughts about Alipay.

Xie Tao's first thought after listening to it was that this Alipay is not a difficult product.

It's just an online payment method, as long as the farm is online in the prop mall, in terms of the number of users on the farm, this is a great convenience for users.

But Yu Song said very clearly that the manpower and material resources at this stage are used on Alipay, which is a bit overkill.

Xie Tao didn't hide it, and directly said his thoughts.

Jiang Zheng didn't speak, he was in operation, and he didn't have to worry too much about the product.

The remaining two technical backbones, although they didn't say anything, but judging by their expressions, they should agree with Xie Tao's statement.

After Yu Song listened, he didn't blame the three of them for their lack of vision.

In fact, even if Yu Song said this to any Internet person now, they wouldn't care.

Nowadays, there are no companies that have this kind of online payment platform, because the demand for online shopping is small, and the only consumer goods on the Internet, except for virtual items in games, there is nothing else.

Even Ma Baba, the founder of Alipay, will not look beyond the e-commerce itself to see the development prospects of Alipay.

What's more, Ma Baba's early positioning of Alipay is just a tool to enhance the trust of Taobao users.

As for the later "tool" getting bigger and bigger, and finally Alipay can become a special carrier full of cash in the Internet industry, and even become a comprehensive payment method, which is mostly the result of unintentional insertion.

Of course, now Yu Song can't tell Xie Tao that this Alipay will become a terrifying online fund aggregator in the future.

Yu Song believes that in the future, at least half of the funds on the Internet will flow on the Alipay platform.

At the same time, Yu Song is also building a huge e-commerce platform for it, such as Taobao and JD.com.

At that time, the horror of Alipay will be reflected, a super financial platform with huge amounts of capital precipitation.

However, Yu Song himself didn't dare to guarantee that if he came to Alipay, he would be able to do it to the point where he was awesome in his previous life. So there is no need to talk to Xie Tao about these things.

"It's okay, anyway, the company doesn't have any other business now, let's do this first!" Yu Song said.

Jiang Zheng spoke at this time, "Let me ask, is this Alipay going through the bank, right? If the bank is unwilling to provide the interface, then we are not working in vain?"

"If you still have any opinions, you can put them forward. Yu Song didn't rush to answer.

"Boss, I know you often work miracles, and I have confidence in you. But this time it's not a product problem, the first hurdle we have to pass is the bank, compared to the bank, our company is still too small. Xie Tao said what he thought.

Feng An also spoke, "There is definitely no problem with the product, but the most important part of this product is not with us, if we go all out, will it be a bit risky?"

The three people have different statements, but the core of the problem is the same, that is, they are afraid that the bank will not be able to pass it.

However, being able to hear these opinions shows that their employees can still think on their own.

Yu Song said with a smile: "I know what you mean, with the current strength of the domain company, there is really no way to compare with the banks, not to mention the four major banks, even some small banks, we are not as good as others." ”

Hearing Yu Song say this, Xie Tao's brows furrowed, yes, how can the company establish cooperation with the bank?

If the bank can't pass this hurdle, the Alipay project will be absolutely stillborn.

Just when everyone was still thinking hard, Yu Song changed his words, "It's just, why should we cooperate with the entire banking system?"

Xie Tao and Feng An didn't understand for a while, but Jiang Zheng, who was doing operations, understood what Yu Song was talking about, but he only understood a little.

"Boss, what do you mean, looking for some small banks that are not very famous?" Jiang Zheng said tentatively.

At this time, Xie Tao and Feng An suddenly realized, yes, big banks don't look down on our company, and small banks don't necessarily!

Compared with large banks, small banks have a low reputation, users are skeptical about their creditworthiness, and business is not easy to do.

If domain companies can work on these small companies, I believe they will be happy to see something as simple as providing an interface.

And with the current fame of the domain company, it has been linked to the domain company, isn't that a disguised increase in the number of users of its own bank?

"It's not. Yu Song shook his head, "My idea is to cooperate with the lowest branches, such as the Qiaodong branch near our company. ”

At this time, even Jiang Zheng didn't understand, "Why do you want to cooperate with the most basic branches?"

Yu Song smiled and took out a notebook from the table, "This is Alipay, this is the farm props mall, and this is the Qiaodong branch." ”

Three notebooks were placed on the table, and Yu Song picked up the one representing the farm first.

"With the traffic of our current farm, what do you think the daily turnover of the item mall will be after it is launched?" Yu Song asked.

Xie Tao immediately began to calculate, "Now the total number of users of the farm is almost 5 million, and the daily online rate is 80%, which means that 4 million users will consume every day."

However, when the prop mall is launched, there will definitely be people who will be afraid of rejection, plus some people refuse to consume, we count 2 million people.

If one person consumes 5 yuan, a day is... 10 million?" Xie Tao was frightened by the number he had calculated.

Jiang Zheng and Feng An were also scared, they were very optimistic about the future of the farm, and they would definitely make money, but they didn't expect to make so much money!

Ten million a day!

Even if the cost of five million is removed, the boss in front of him, who is less than 20, can earn five million a day?

The three of them looked at Yu Song with complicated expressions, with envy, amazement, and worship in their eyes, but there was no jealousy.

A colleague is paid hundreds, thousands more than you, and it's normal for you to be jealous.

But once his salary is hundreds of times more than yours, thousands of times more, and you can't catch up at all, all you can do is worship.

This kind of person is simply beyond the reach of ordinary people.

Yu Song continued: "In the past, this money would go directly into the bank account. If we put it in Alipay and promise the bank, the money can be kept in the bank for a while.

You say, how much performance and profit can this money generate under the operation of the bank?"

Jiang Zheng's eyes lit up, "It's unimaginably big!"

"In this way, maybe the bank will come to us for cooperation!" Xie Tao said excitedly.

"That's right!" Yu Song nodded, "We have such a chip in our hands, as long as we pick out and tell the bank, I believe that no bank can refuse such cooperation."

More importantly, as long as a bank has opened this online payment interface, then users who belong to this bank across the country can consume or withdraw cash through Alipay. ”

The conference room fell silent all of a sudden, and the problem that could not be solved was easily solved by Yu Song.

Why is a boss a boss?