Third-party payment, to be honest, Andy has always been very hesitant, mainly because he can't play this thing in the United States!

Not only is the supervision strict, but without the endorsement of a huge banking alliance, it is simply impossible to replace the main consumption status of credit cards among European and American people.

I believe that people who use credit cards know that they often give points, interest-free installments for digital products, give discounts, give other activities, and can also save airline miles, hotel discounts, and enjoy VIP services similar to airports.

In the United States, where the financial industry is the core industry, consumers have long developed a dependence on credit cards. What's even more speechless is that in addition to the credit cards of several major banks, major chain stores and brand companies in the United States have their own credit cards, and there are discounts on consumption...

Therefore, from the perspective of cost and interest, the foreign banking system will not support or tolerate the third-party payment platform for collective consumption, wealth management and settlement.

The vast majority of banks in Europe and the United States are private banks, so no bank or card network is willing to take on a large number of inefficient or even negative savings accounts, network security, counter authentication services, and the business of making wedding dresses for others such as transfer and settlement for third-party platforms.

Therefore, in the United States, online payment can only be attached to the already mature credit card payment system, which can only be consumed and cannot be transferred.

Compared with user habits and technical conditions, interests are the most fundamental determinants!

Andy now has his own bank, so he is very aware of the unpopularity of third-party payment in the American banking industry, and he also mentioned it to Stephen Noopy, who became the CEO of Yingtai Bank, and the other party directly shook his head and persuaded the big boss to find other banks to cooperate, and not to treat Yingtai Bank as a settlement bank...

Even Nima himself felt that it was thankless to let Yingtai Bank as the settlement bank of his third-party payment platform lose money, and it is conceivable that other banks are even less welcome.

However, it is also a good business to make money, although it is a little bit of a, so Starbucks, a chain of coffee shops, is needed as a test field for the promotion of third-party payment.

While using third-party payment to make some hard-earned money, the most important thing is to connect your own online and offline industries in series to form an ecosystem of internal circulation industrial clusters.

After dealing with some things in the Watsip company, Andy came to the Instagram (photo wall) company just one block away, and now Instagram is also different from what it used to be, developing and expanding extremely rapidly, and of course, burning money is also a good hand!

There is no way, the current Instagram platform has completely developed into a monster under Andy's toss, a social platform website integrating text, photo push, microblogging, and online community.

Moreover, Instagram is even more determined to implement the orders of the big boss, frantically suppressing Twitter, and almost hollowing out the core team of Twitter's small company, Twitter, which has few people, and the original core entrepreneurial team members are only two founders who only got power in 08 this year.

Instagram's unrestrained poaching, coupled with the star effect and promotion of Andy, the famous founder and boss, Hollywood stars, NBA stars, Premier League stars and other celebrities, such as Paris, celebrities take photos to show off their wealth and sell SAO, and the implantation promotion in "Gossip Girl" has attracted the vast majority of young people in the United States to download and use.

As for the 140-word Twitter company, although it is still operating, it is also dying, and Zuckerberg, who was still thinking about buying Twitter, has now lost interest.

Because of the Instagram photo wall company, there are many functions that overlap with Facebook, and Xiao Mazi has called several times to buy Instagram, but what he thinks is too beautiful.

“。。。 Continue to maintain and develop the advantages and powerful photo features of the Instagram app. A fast, brilliant and fun way for users to share photos and share their lives!

The Instagram homepage should be concise and clean, and the photos should be presented in the form of large images to give users a better experience.

Our mission at Instagram is to capture and share the world's best moments. ”

Andy stood in front of the white clipboard in the conference room, holding a marker in his hand, and quickly wrote this bold sentence on it, and the executives in the room responded with a round of applause, they knew that this was a very appealing slogan, and the next step was for their management to pass it on to employees, users and future advertisers.

"Don't think about what the market value is, and don't think about how many advertisers you can attract to start making a profit, I repeat, there is no profit pressure, the only thing to do is to make the function of the APP application better, the homepage website maintenance and operation better, so that we have more users!

When our APP is required to be installed on every mobile phone, and the number of our users exceeds 100 million, 200 million, 500 million, and 1 billion, everything else will no longer be a problem! ”

Andy sat in the simplely decorated office that he used when he first came to host the business, holding a bottle of mineral water in his hand and drinking it, this morning was really fulfilling.

No way, although there are professional managers to help him manage the company, but, to make the company better development, he still needs to take the helm himself, in fact, his current control method is a bit scattered, and he can develop and grow rapidly according to the established goals as he is now, in addition to his clear development ideas as a traverser, and more importantly, he has a think tank that has done a lot of work.

The think tank is an extension of his brain, allowing him to be like an octopus with himself as the center, firmly controlling every aspect without missing one or the other.

"How's the preparation over there Michael Wright?" Throwing the empty mineral water bottle into the paper basket on the side, Andy picked up the papers on the desk, flipped through them, and reached out to press the green button on the answering machine next to him, and asked.

"Mr. Wright, I've called before, and the evening cocktail party is ready. ”

Hearing the little assistant's answer, Andy hummed lightly, and then said, "Find a footbasin restaurant at noon... ”

"Okay boss, I'll arrange it right away. ”

Releasing the button, Andy picked up the very sassy pen, opened the cap, and signed his name after making instructions on the document.

Wow –

After closing the file, Andy put the pen on the cover, took his phone out of his pocket, and checked the text messages.

"I'll leave at 2 o'clock and see you in the afternoon. ”

Seeing the message sent by Lily Collins, I couldn't help but smile slightly, just finished the filming of "Twilight", because of the raging fires in Los Angeles and the air pollution is very serious, Lily, who went to Malibu to vacation with her mother, received his text message, and immediately decided to leave her mother behind and come to have a tryst with him.

Well, as a female companion, accompany him to attend tonight's Liberty City APP Mall financing reception, although Charlize is by his side, but he can't be so blatant with Laura and her mother to swagger around, that would undoubtedly be embarrassing Ivana.

Tonight's cocktail reception was attended by Google as the main investor and representatives of many investment companies in Silicon Valley.

The convening of this drinking party also indicates that Andy Smith has finally decided to start raising the butcher's knife to slaughter the investors!