"In Europe, up to now, 4 banks have reached cooperation with us, and now Lepay Financial has more than 500,000 registered users in Europe, and more than 20,000 merchants of various types have reached cooperation agreements with us to officially provide mobile payment services for Lepay Financial users......"

On the phone, Yan Banlei's voice came out, but she has always been vigorous and resolute, and she has a bit of a strong woman image, and there is a bit of indescribable fatigue in her words. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

In order to further promote the mobile payment service launched by Lepay Finance, two days ago, Yan Banlei took a negotiation team to Europe to look for partners in several major EU member states.

At the moment, the results are not particularly ideal.

In particular, compared with the growth of tens of millions in China, the growth of only a few hundred thousand in Europe is indeed a bit insufficient.

Even Yan Banlei didn't expect that the development of the European market would be so difficult.

The same are crooked nuts, you look at the United States in the Western Hemisphere, the users over there have signed up for Lepay Finance like crazy robbery, in a short period of time, the users over there have broken tens of millions, and are striving towards the goal of 100 million, even compared to Huaxia This side has surpassed it, after all, the living standard of people over there is relatively high, and the penetration rate of smartphones is more than that of Huaxia, but Europe is not bad!

Originally, Yan Banlei could be said to be full of ambition before she went, but after only a few days of hard work, she felt exhausted.

In fact, it's not for nothing that she doesn't blame, Lepay Finance's slow development in the European market is not without reason.

The first is that Europeans are more conservative and old-fashioned, unlike Americans, who love new things and like to try and take risks, most Europeans have a bit of old-fashioned genes in their bones, and they always have a heartfelt rejection of new products and new things.

This is not only mobile payment, but also other things, such as smartphones, until now, the popularity of smartphones in Europe is still a little lagging behind, and even has not caught up with the growth rate of China, they are still immersed in the era of keyboard mobile phones.

The base of smartphones is inherently small, and Europeans still have a lot of concerns about putting their money in a non-bank financial company, and although it is convenient, they will subconsciously feel insecure.

In addition, the current poor economic environment in Europe also makes banks lack interest in cooperating with Lepay Finance, and even to a certain extent, many banks still have a resistance to Lepay Finance.

After the subprime mortgage crisis in the past few years, Europe's financial industry has also become a huge sieve, and it is not an exaggeration to say that it is not an exaggeration to describe the devastation of the economic crisis.

And in the aftermath of the economic crisis, Europe's banking system has not been properly repaired. At that time, in order to avoid bankruptcy, taxpayers' money was rushed to bail out in a short period of time, and although the loopholes were closed to prevent the crisis from spreading, the deep-rooted problems of poor governance, insufficient capital, and risk-taking behavior of banks in the banking industry were not seriously addressed and repaired. The end result is that these potential problems are starting to ferment again and become more and more troublesome, some of which have reached the point where they must be solved. In other words, the crisis was only postponed and never resolved.

Because of balance sheet problems, weak risk management, outdated infrastructure, and losses that cannot be reversed, most banks in the EU are now like a fragile boxer with his hands and feet wrapped around his rope, and if he strikes hard, he will crash to the ground.

The devastation of the economic crisis has caused European banks as a whole to shrink their business in the United States, and the reason for this is that the United States has become increasingly difficult to operate in the United States, and the regulatory requirements have become increasingly stringent, so that European banks, and indeed the eurozone banking sector, have been unhealthy, and their assets have shrunk.

I have already taken care of myself, on the verge of falling at any time, and now there is a predator who is eyeing the tiger, and those European banks maintain an exclusive attitude towards Lepay Finance, which is not so incomprehensible.

After all, the funds absorbed by Lepay Finance are snatched from them, and when it is already precarious, sucking away their funds is tantamount to cutting off their life, and it is strange that they don't work hard!

Some of them just refused the cooperation between the two sides, and even more so, many banks didn't even give her the opportunity to make an appointment to meet and negotiate after hearing about Yan Banlei's self-report.

For the stubbornness of the Europeans, Yan Banlei is angry and helpless, and the brains of these people are just like elm pimples.

However, to her relief, four banks finally accepted Lepay's request for cooperation and joined Lepay's global payment system.

Although these four banks are not among the top banks in the European banking system in comparison, they still have considerable influence in some regions, and compared with the big banks that are full of decay, these medium-sized banks are more flexible and have a clearer judgment about the current situation.

Obviously, after Lepay Finance launched mobile payment relying on the smartphone system, mobile payment will replace heavy wallets and complicated bank cards in the future consumption, and become the mainstream.

At this time, it is very stupid to go against the development of technology, blindly resist and exclude, because the general trend cannot be changed, and if you want to rely on the strength of their industry to stop the trend of progress, it is simply a mantis arm as a car, and enterprises that cannot adapt to the trend will eventually be abandoned by the trend。

Europeans have always been prejudiced against China, but this prejudice, along with the weak European economy is gradually changing, they have to accept that China is becoming the world's second largest economy, and with the increasing standard of living of Chinese people, the number of Chinese tourists to Europe is also increasing year by year.

In order to serve these Chinese tourists well, it is imperative to provide mobile payment services of Lepay Finance......

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