In fact, it's not that Hang Yu is much smarter than Xie Pinggang, but that he stands tallest, has the most detailed information, and the plan he manipulates is not clear to others, simply put, the ass has limitations******* the company's plan seems to have few shares and little profit, but in fact, it is not without benefits.

First of all, the goal of laying out the two industries has been achieved, which ensures the advantages of Jiangyan's e-commerce platform.

Second, less stake means less investment, and you can invest the money you save in other fields or technologies to make money from other places. Thinking about the big picture, it doesn't actually reduce profits.

Anyway, it is not very profitable to do the real industry, Hang Yu still tends to do the Internet and high-tech.

"Chairman, since the funds of the headquarters are so tight, can our fund company support the group purchase platform? Xie Pinggang asked.

"No, it's risky if you support more, and it's useless if you don't support much. Hang Yu vetoed.

"Understood. Xie Pinggang nodded.

Then Hang Yu learned from him about the development of the fund company, Xiao Jixiang has entered the medical, financial and other industries, and micropayment has also launched new services such as medical insurance, overdraft, and loans.

Micropayment has been doing finance since the beginning, which is a cornucopia, so it is also familiar to go deep into this field.

Each new feature added is equivalent to an increase in competitiveness, and payment software such as Alipay and Tenpay have to follow suit. Although micropayment has occupied more than 70% of the market, the remaining market is also very large, so Alipay does not have to worry about finding partners.

Strictly speaking, micropayment and Alipay occupy more than 100% of the market, because most stores will open two payment methods at the same time, so it is almost impossible to eliminate one of the payment methods.

The difference lies in the frequency of use of the two payment methods, and at the moment, micropayments are of course the highest.

Free service is basic, and safety insurance is important.

Xiaojixiang Fund Company has always actively cooperated with the work of Yang Ma and made every effort to ensure the security of micropayment. While it is not 100% safe to avoid skimming, as long as the user does not die or is unlucky, there is usually no problem.

Micropayment has also launched a how-to prompt, which will be displayed first when entering micropayment for the first time, so that users know what are the taboos of using micropayment. For example, if you change your phone, you need to format it, and if you lose your phone, you need to block your account in time, etc.

As long as the user is not stupid and knows these tips, the probability of problems is relatively small.

"You should continue to infiltrate micropayment into users' lives, such as water and electricity, rent, Internet fees, subway and bus, and various recharges on the Internet, all of which will be promoted to me. Hang Yu said.

"Rest assured, we've been doing this work, and it won't be long before we can do without micropayments. Xie Pinggang said.

It seems to be a very ordinary thing, but once the scale reaches hundreds of millions of people, it becomes an extraordinary thing.

Jiangyan Company has made offline payment more popular than the original history, and now young people have begun to advocate the use of micropayment, and crooked nuts, which are not used to using QR code payment, have also begun to promote.

On the Internet, many young people take pride in electronic payments, because this is one of the few places in China that surpasses other countries. In particular, it penetrates into everyone's life, and everyone can experience its convenience.

Hang Yu also agrees with the convenience that electronic payment brings to everyone, but he is not very proud.

First of all, this thing is not the first thing we made, but the card payment system in developed countries is very mature, so it has not been promoted. Second, although electronic payment is convenient, it is not enough to make a big difference in our lives.

From horse-drawn carriages to automobiles, from kerosene lamps to electric lamps, this change is huge and admirable.

"It seems that micropayment has laid the foundation in China, and now you have to actively promote it abroad. Now there are a huge number of Chinese tourists, and I hope that when they travel abroad, they can also use our micropayment. Only in this way can we feel the existence of micropayment more deeply, so as to enhance the status of our company in everyone's hearts. Hang Yu said.

"I understand. Xie Pinggang nodded.

This is very understandable, because most Chinese hearts and subconscious still like to compare Japan and South Korea, and compare European and American countries. If we just engage in electronic payment behind closed doors, then no matter how good the brag is, not many people can agree with it.

However, once micropayment goes abroad, the pride of users will immediately burst.

Hang Yu has never been a foreigner, but he is very aware of the psychology of Chinese people, and is good at using this psychology to make profits for the company.

Of course, the promotion of micropayment to foreign countries is not only to gain the recognition of users, but also to obtain foreign markets. Hang Yu is even considering that developed countries are so rich, or they will charge some fees when they use micropayments.

As far as Hang Yu knows, foreign countries also have electronic payments, and they will charge handling fees.

Think about it, although Crooked Nuts doesn't mind the handling fee, but if you treat them as fools, it is estimated that nothing good will come of it. After all, Alipay is eyeing the foreign market, and it can't let them grab the foreign market.

"Recently, the development of electronic payments has been extremely fast, and the central bank has been talking frequently to make some restrictions on us. We have to fight hard to get to where we are today, but I'm still quite worried. Xie Pinggang said.

Internet management has not yet been perfected, electronic payment is a new thing, and the government and the central bank are very concerned about micropayment, for fear that something will happen. Fortunately, Jiangyan is strong enough to fight for rights and interests with the central bank within the protection of the law.

But the central bank put a lot of pressure on Xie Pinggang, worried that one day the order from above would make Xiao Jixiang's efforts in vain.

"There are some restrictions, but judging from the tone of the government, it is relatively lenient towards new things. With such a big interest in the product, if we don't do it, who else can do it well, can we let the bank do it? It's not that I look down on them, it's just that the bank's service attitude and Internet technology level are really not suitable for this. Hang Yu said.

Sometimes Hang Yu is really weird, the bank is so rich, but the online bank is as stinky as Xiang. The big four banks are better, and the use of online banking is relatively smooth, while the other small and medium-sized banks are very fucked.

The web version of some banks can't get in at all, and no one has fixed it, and it's been hanging like that.

UnionPay recently launched a payment software called QuickPass, but the experience is too poor, no one uses it, and it is tepid online. Experiencing this thing is really detail-oriented, and you have to do it with your heart.

Hang Yu really can't figure it out, can't he hire a professional team after spending money?