Stimulated by the launch of Pangu 7th generation computers and Pangu 4th generation notebooks, Tesco's 618 promotion has also achieved unprecedented success.

The number of visits to the PV page exceeds 30 million per day, the daily active users exceed one million, and the total number of orders submitted every day also exceeds one million.

In terms of transaction value, the best-selling ones are Pangu 7th and 4th generation notebooks, both of which are large items. Not to mention domestic consumers, most of them now receive a monthly salary of about two or three hundred. A few large cities or multinational companies have higher salaries. However, in recent years, the mainstream consumer groups of domestic computers are still the purchase of units, schools and Internet cafes.

The purchase of computers by individual consumers, of course, is now also increasing year by year. For example, after the launch of Pangu 7, orders from China have accounted for 10%. And the proportion of domestic orders and online orders also accounts for more than half!

This is mainly due to the fact that the online Tesco campaign has a relatively large promotional discount. First of all, this year's 618 official launched a deduction coupon, 10 yuan off for 200 yuan, this kind of coupon can be infinitely stacked. At present, the online sales price of Pangu 7th generation in the mainland of Tesco is discounted to 5499 yuan, which is reduced by 270 yuan only for the effective deduction coupons of all goods on the whole network. In addition, there are also stores that have launched a coupon of 500 yuan off 500 yuan. In other words, the price of Pangu 7th generation computer, Tesco.com, can be as low as 4729 yuan.

It is precisely this kind of discount of more than 1,200 yuan that makes domestic consumers crazy to start registering as users of Tesco.com.

As a result, after the launch of the Pangu 7th generation, the orders on Tesco alone exceeded 50,000 units. In a few days, it contributed more than 200 million yuan in sales to the e-commerce platform.

Pangu 4th generation laptops, Tesco online sales, also reached more than 30,000 units. It contributed to sales performance of nearly 200 million yuan.

In addition, various other consumer goods, such as televisions, air conditioners, electric fans, clothing, books, food, ...... and other different categories of goods, during the 618 period in 92, sales also soared.

As of June 21, after the perfect conclusion of 618, Tesco announced that the sales of 618 promotion exceeded 3 billion yuan, which not only set the best sales results since its establishment, but also set a world record. In the world, the only large-scale e-commerce website in the world, the monthly sales are conservatively estimated to be no less than 3 billion yuan!

Of course, for the sales performance of 3 billion yuan, Tesco is full of strength. Not only that, but a large number of discount products have been prepared, and more merchants have been contacted to cooperate with the promotion. Hundreds of millions of yuan of advertising have been played, and at the same time, no less than 100 million yuan of subsidies have been given to consumers and businesses.

In addition, Tesco and Hang Seng Internet Bank jointly launched an online virtual credit card - Huabei!

This Huabei is basically a Huabei that imitates the Ma Yun family in later generations. It allows consumers to overdraft consumption in advance, up to 39 days interest-free and fee-free, and repay the loan before the 9th of the next month without charging a penny of interest. Of course, if it is not convenient to have money, you can repay the loan in installments, so that some handling fees will be charged.

Although, at present, Huabei is opened, it is a relatively small amount, and you cannot use Huabei's quota to buy air conditioners, computers and other more expensive goods.

But there is no doubt that the launch of the Huabei function was quickly praised by online users. The sales of Tesco 618, at least 500 million, are overdrafts of Huabei, and they will only start to repay next month.

Of course, in order to prevent some users from maliciously overdrafting, Huabei is to inform users that if they do not repay the money, not only will they pay 5/10,000 interest per day, but also if they are overdue for more than a month, they may be on credit and affect their personal credit. After that, it is a series of popular science of personal credit, and the future of the country will also enter the credit society, credit will affect a person's education, employment, travel, loans, buying a house and so on.

After the launch of Huabei, it immediately won a piece of praise, which is equivalent to giving many people a quota, which can solve the urgent needs in many cases. Especially those who have been trying to apply for a credit card for a long time but have failed, they are almost excited to tears.

However, at the beginning, Huabei was more picky, only giving users a limit of 500 yuan ~ 1000 yuan, and if you want to increase the amount in the future, it mainly depends on the long-term credit status, and if you have good credit, you will increase the amount, and users with poor credit will reduce the amount or even cancel the qualification of Huabei.

The amount of credit obtained by the employees within the new venture is very good, which is also a benefit that Lin Qi is open to employees.

"Lisa, how much quota do you have over there?"

"It's not a lot, it's only 10,000 yuan, just enough to buy Taipangu 7 for my husband, I can only buy some clothes and cosmetics, my husband also said that I am a loser, and he buys more large goods than I lose. ”

"Yo he, you're really chic, I can't do it, a family of four, all open their mouths to me to eat and drink, I am reluctant to buy a new computer, this month almost can't slow down, just Huabei 5000 quota, a little relieved. ”

"Take it easy, or next month will be a big hole. ”

In June, Huabei was trialed for a month, and the total quota for all users was only 5 billion yuan. Among them, 1 billion were consumed that month. Most of the credits are useless. Due to Huabei's continuous popularization of science, many users know that they must be trustworthy. However, there was also a certain breach of contract, but soon Huabei's team began to contact by phone and email to avoid dishonesty as much as possible. But throughout the month, there were still more than 500 cases of breach of contract, but fortunately, the total amount was not much, only less than 100,000 yuan. Some money is really not going to come back, because, some users are even fake users.

In this regard, the Huabei team is constantly deepening the research on risk control capabilities and big data risk control, at least, using various means to confirm the authenticity of users.

In addition to Huabei, there is also a big move, Tesco wallet, Hang Seng online banking, two major payment platforms, support recharge and transfer to other Internet platforms.

In addition, Tesco Wallet and Hang Seng Online Banking, the two major platforms continue to cooperate with telecommunications, power grids, oil and other giants, adding functions such as paying telephone bills, electricity bills, Internet bills, oil card recharge and so on. E-wallets have gradually expanded from being able to buy things online to paying for daily expenses.

The degree of convenience is gradually not inferior to or even surpasses that of major traditional banks.

In terms of deposits, Tesco Wallet and Hang Seng Online Banking are linked to the "Yue Bao" money market fund, and the interest is not less than that of a one-year demand deposit, and the interest is calculated daily, which is more convenient than the current deposit. Moreover, Yue Bao can be used as cash at any time, and now there is Huabei, which has a lower threshold than a credit card and has an overdraft consumption function.

In addition, even the function of living payment has begun to be available, so that the new entrepreneurship department has gradually overtaken the curve through the new technology of the Internet, and has a faster development speed than traditional banks and other financial institutions.

Users who have tasted the benefits of Yu'e Bao, and who often buy things online and pay for living expenses online, have begun to move their money from the bank to Yu'e Bao.

……

Originally, the domestic financial system didn't care much about Hang Seng Internet Banking and Tesco.com, but as the Yue Bao deposits of Hang Seng Internet Bank are growing every day, and other banks do not support online transfers, many users vote with their feet and transfer their money away.

Some large banks are still starting to react - embrace the Internet!

Compared with the banking systems of Europe, the United States and Japan, China's banking system is relatively backward, but the historical burden is also lighter, and the transformation is relatively easy.

On June 28, CCB took the lead in launching the online banking version, and said with high spirits: "Our online banking version is the research and development of our bank's IT department, which adopts the world's most advanced technology to support domestic water and electricity bill payment and various Internet transfer functions. At the same time, we have also launched the CCB Dragon Pay Wallet, which also has a money market fund function similar to Yu'e Bao. ”

In fact, CCB's online banking version is directly developed by the technical team of Hang Seng Internet Bank, which teaches CCB to maintain it hand-in-hand. Of course, the core code was also handed over to CCB, and it will take some time for CCB's IT team to maintain it independently. For the time being, it has not been entrusted to the IT staff of Hang Seng Internet Bank and the Department of New Entrepreneurship.

CCB's Internetization quickly received positive responses from a large number of customers, and its deposits began to grow rapidly.

When ICBC, Bank of China, Agricultural Bank of China and other banks saw it, they naturally couldn't bear it and began to launch their own online banking platforms.

In other words, domestic online banking came out at least ten years in advance.

Originally, the online banking payment of later generations, the early non-existent, led to the Internet industry payment and transfer is very troublesome, many websites lack a profit model at the beginning, in essence, the product itself has a profit model, is because of the lack of recharge shortcomings, so the Internet industry once developed relatively slowly.

However, in 03~05 years, domestic mainstream banks have begun to launch online banking, opening up the second pulse of online payment. After that, it was Taobao, Tencent, NetEase and other Internet companies that performed blowouts.

Even in the early days of Alipay's rise, it also relied on online banking. Without the bank's initiative to go online, it was difficult for Alipay to develop at the beginning.

To a certain extent, one of the conditions that has been ignored in the blowout of the Internet industry is that it is payment! Before the payment problem is solved, the Internet is only a small fight. After solving the shortcomings of payment, the development of the Internet industry will be much easier. Many industries that originally did not see profit prospects, with the payment problem resolved, it is simple - valuable content and products, to solve the payment problem, basically many profit model problems, is easy to solve.