Emphasizing the importance of secrecy, Zhou Shi ended the meeting, but left Liu Chuanzhi and Lu Qi behind.

"There's a lot more to digital India, there's a lot more time can do, and when I met Modi, I emphasized a cashless society, and I felt a lot of hope!" Zhou Shi

"It's too difficult for India to have a cashless society, and they have three layers of residents who don't have bank accounts. Liu Chuanzhi

"India's digital ID system is mature, and I guess they will have a lot of measures to promote residents to set up bank accounts, regardless of whether India will scrap money or not, we must increase investment in digital payments there......" Zhou Shi, even if it is to invest in Niha Dalvi, no matter what, anyway, it is not much difficulty for him to enter the Indian financial payment market.

"Mr. Zhou, time has developed to the present, there is no need to gamble now!" Liu Chuanzhi

"I'm not betting, if the Indian government doesn't change, then I will change India, the same way, why we launched the change, this is because the domestic banks don't change, almost lying in bed can make money, and the contribution to society is very small. We had no choice but to change the bank. I hope that Time will always be a leader rather than a follower, and it is necessary for us to make various attempts as financial conditions allow. Time brings together the best talents in China and even the world, which is to do things that lead the times. "Zhou Shi

"Mr. Zhou's idea is fine, I have discussed with many Indian elites in Silicon Valley, and many of them are very concerned about the development of India, but the education situation there is very different, and there are too many illiterates. At this time, India was the same as China in the past, and no matter how powerful people were, it was difficult to be useful. The strategy of digital India is very correct, their banking system and so on are lagging behind China, Europe and the United States, which from an economic point of view, is the advantage of late-developing countries, as long as a national identity authentication system is established, then the problems faced by mobile payment can be easily solved. There are many difficulties in entering the Indian market now, but it is precisely because of these difficulties that it is the best time for us to enter the Indian market, because there are not so many competitors. "Lucci

"That's right! What kind of development strategy a company chooses can largely tell what kind of company it is. The development direction of time is basically determined, even if we don't do anything, it is still a very good enterprise, but from excellent to great should be our pursuit. The development of financial technology will profoundly change our world, and mobile payment is an invention that can change the world......" Zhou Shi

"Then is the status of our WeBank going to be improved?" Liu Chuanzhi

Due to the change of national policy, the State Academy of Properties issued guiding opinions, which pointed out that private capital should be initiated by private capital to set up private banks, financial leasing companies, consumer finance companies and other financial institutions at their own risk. Therefore, in March this year, the China Banking Regulatory Commission (CBRC) identified five private banks, including WeBank and MYbank, to enter the first batch of pilots. Time, Friends, Lenovo and others jointly established WeBank, based on Yanjing, Ali Fuxing and others established MyBank in Zhejiang, Baidu Penguin and other companies launched the Internet bank will not be repeated, after Penguin acquired Shanda Games, the transformation of the game company, it can be regarded as a lot of progress, but his South African major shareholder has begun to cash out.

"WeBank's social significance is still very large, but it is enough to be under the umbrella of Time Finance. "Zhou Shi

Time Finance has Wealth Management Tong (Coin Treasure), Payment (United States, Holdings) and WeBank (partial), as well as some shares of Dianping.

The main source of profit for WeBank and even MYbank in the future is usury, well, it seems that it is not good to say that, although their annual interest rate is about 18%, but their existence itself has cracked down on those usury with interest rates of more than 36% in those years, which has a great promotion effect on small and micro enterprises.

Under Liu Chuanzhi's deliberateness, Zhou Shi didn't talk about India, after all, it was unimaginable before India's demonetization happened. No matter how good a cashless society is, no matter how strong the Chinese government's control over society is, it has not rushed to promote a cashless society, and the risk taken by India is unimaginable. If he wasn't for India's future, as a good politician, he wouldn't have had to. If the Digital India project can be successful, Modi's historical position in India in the future is probably no less than that of the chief designer in China.

After digitizing India, it is not impossible for them to catch up with China in the future, although most of the time the first-mover advantage is dominant, but the late-mover advantage will not be useless. Of course, no matter what advantages are relative, just like Huaxia infrastructure is now the world's first, but when we adjust the economic direction and enter a service-oriented society, Europe and the United States begin to carry out large-scale intelligent transformation of their infrastructure, at that time our current advantages will become disadvantages.

If one day new energy unmanned vehicles dominate the world, commercial maglev vehicles appear, drones are applied on a large scale, smart transportation takes over the command of urban traffic, all kinds of smart homes, and environmentally friendly buildings will be fully popularized in the next twenty or thirty years, and the proportion of our government's investment in infrastructure will be reduced in an all-round way, then only we will envy others.

Liu Chuanzhi left, but Lu Qi still stayed.

"Simon, did our company launch Bitcoin?" said Luki

"No, I suspect it has something to do with the CIA. "Zhou Shi

"What about blockchain?" Lu Qi didn't doubt Zhou Shi's words, even Spacex had a relationship with the CIA, and it was not unusual for them to throw out Bitcoin. This year's Bitcoin price has fallen from its peak, leaving behind a lot of chicken feathers, but it has already attracted the attention of the tech community. Lu Qi went back in time and found that there was actually a research project on blockchain, and there were quite a few results, and he was of course very curious.

"After I learned about the design idea of Bitcoin a few years ago, I started to study this area, which should be of great help to the future progress of financial technology. "Zhou Shi

Blockchain can build a self-running social trust network that does not rely on third parties, and promote the value interconnection of the entire society. It is not only to make today's material assets, financial assets, information assets, human resources, etc., can better reflect the value, but also to make today's social relations, personal background, time and energy, ideological sparks, enterprising and self-motivated, etc., which cannot be simply valued and quantified, gradually become social assets that can be valued and quantified. It's a mixed bag for the public!