Of course, Lin Feng also knows that from the strategic level, the popularity of the mobile Internet layout in advance has a first-mover advantage in mobile payment.

However, it must also be recognized that at the payment level, Fengxing still lacks a killer product application!

Just like Ali with Taobao's e-commerce platform, although it has changed its name to "honest payment", it still occupies the first share of the online payment market.

Although the popular Alipay has merged with Tencent's Tenpay, its business scope covers hundreds of millions of users' virtual currency recharge, online game recharge cards, mobile phone recharge, air tickets, JD.com and many other small e-commerce platform payments, life information services, and even the purchase of funds and insurance...... and many other payment applications.

It can be said that behind Alipay, there is a huge user base and diversified industry applications, but in terms of total transactions, it still lags behind "honest payment".

The scale of an e-commerce online shopping application kills many other payment types......

The popular Alipay is characterized by "large and wide", and Ali Chengxin Pay is characterized by "specialized and refined".

It's a pity that it's useless to be big and wide, and there is no application in this that has a market size comparable to e-commerce.

Therefore, in the PC era, because there is no payment scenario that can be comparable to e-commerce in terms of total market volume, even if it is called "Alipay", it is difficult to be as proud as Alipay's Alipay in the previous life.

Lin Feng decided to weaken the name "Alipay".

Directly set up the "Hefeng Financial Services" group.

Take the wind and drizzle, moisturizing things silently.

Starting from the mobile terminal, use high-frequency payment products in mobile application scenarios to seize the market.

Ali's Taobao is the e-commerce market for small business owners, so what is popular is the O2O (Online To Offline/Online-to-Offline) market represented by catering, small supermarket retail, takeaway, transportation, etc. after the rise of the mobile Internet, which is also the largest user consumption market!

At the same time, it is also necessary to compete with Chengxin Pay for users' personal transfers, consumption, wealth management, as well as financing, insurance, small loans and other financial platform products.

This will be one of the biggest outlets in the future, Internet finance!

…………

Next, Lin Feng simply had a good look at the form of Internet financial products with Li Dong.

First of all, catering, takeaway.

At this time, it can be seen that Lin Feng invested in the importance of Dianping before.

After years of development, Dianping.com has accumulated more than 1 million restaurant merchants, and these data and merchant resources will explode with huge energy after accessing mobile payment.

At the same time, there is also a very good investment target, that is, Wang Xing's group buying website that Wang Xing just established on March 4, 2010, Meituan.com.

In the future in the field of O2O catering, the Meituan team led by Wang Xing is undoubtedly a team that can fight tough battles.

Dianping and Meituan can basically cover the most core restaurant resources.

As for supermarkets and convenience stores, Lin Feng's appetite is even greater!

On the one hand, through large-scale local promotion, it has established cooperation with a large number of small shops and supermarkets.

There is a faster way, that is what Lin Feng likes to do the most, to acquire shares!

In terms of market share, large supermarket chain groups are the big players in this market.

In fact, with the amount of funds that Lin Feng now has, investing in those leading supermarket groups in China is actually the fastest and most effective way to lay out.

For example, as of December 31, 2009, the total number of stores of Lianhua Supermarket and its subsidiaries has reached 4,930 (excluding those operated by associated companies), and the chain network covers 22 provinces and municipalities directly under the central government.

Lianhua Supermarket is the traditional supermarket overlord, however, in recent years, on the one hand, by Wal-Mart, Carrefour overseas supermarket giants, on the other hand, the emerging private supermarket competition impact, as well as the vigorous development of e-commerce, gradually declined, with an annual turnover of 20 billion, a profit of 4 billion, and a total market value of only 10 billion Hong Kong dollars.

However, this matter is not in a hurry, in the next two years, the stock price of Lianhua Supermarket will fall sharply, and after 12 years, it is more appropriate to buy shares.

Another example is Yonghui Supermarket, which is a private supermarket that started in Fujian Province and focuses on "fresh food", with an operating income of 8.474 billion yuan in 2009, a year-on-year increase of 49.25%, and a net profit of 256 million yuan, a year-on-year increase of 18.58%. In January ~ June 2010, the company achieved operating income of 5.611 billion yuan and net profit of 138 million yuan.

As of the end of June 2010, Yonghui Supermarket and its holding subsidiaries had 135 chain stores, including 81 in Fujian, 47 in Chongqing, 5 in Beijing and 2 in Anhui.

Lin Feng plans to wait until Yonghui goes public in 2013 to become a strategic investor.

At this stage, it is the stage when mobile payment has just begun to rise, as long as it is popular now, it will establish strategic cooperation with major supermarket chain groups, and it will also be able to seize the opportunity.

As for transportation, after Cheng Wei founded Didi, Lin Feng would naturally become a shareholder as soon as possible.

It's not that it can't be incubated within the Fengxing Group, but when it comes to starting a business, sometimes the right time and place and people need to have it, and it's not that a large company will be able to take the lead in the market competition if it deploys an elite team.

Sometimes the value of a founder is immeasurable.

In addition to the conventional mobile Internet payment scenario, there is another piece of financial business that needs to be carefully considered.

In his previous life, Lin Feng didn't know much about Internet finance, but at least he had heard of the so-called P2P loan model, small loan model, crowdfunding financing, Yu'e Bao model and other forms in Internet finance, as well as Internet currency represented by Bitcoin......

This is a sensitive area, but it is a must.

Because if you don't do it, Ali will do it too!

In the previous life, Ali launched the "Yu Yu Bao", known as the "Dick Silk Financial Management Artifact", and the result was an instant hit, from 0 to 250 billion, Yu Yu Bao took more than 200 days, and from 250 billion to 400 billion, Yu Yu Bao only took about 30 days. Ma Yun once said that if the bank does not change, we will change the bank, and the popularity of Yu Bao has opened the curtain of Internet finance, followed by concerns and discussions about its legality, risks, supervision and a series of issues.

It can be said that although Alibaba's "Alipay" was a third-party payment platform in the previous life, the many Internet financial models derived from it are the reasons why the valuation of "Ant Financial" is tens of billions of dollars.

Yu'e Bao, Huabei, Borrow, Sesame Credit, Insurance, Stocks, Funds, ......

In addition to conventional convenient life services, such as recharge, repayment, payment, etc., transfer of funds, red envelopes, etc., as well as third-party services, such as takeaway, movie tickets, transportation, etc., wealth management wealth management products are the real profit point of Ant Financial!

In fact, these have little to do with e-commerce, and they are financial products dressed in the cloak of the Internet.

Therefore, this piece is also the part that Fengxing can seize and surpass!

The reason why Lin Feng wants Li Dong to take the helm of Hefeng Financial Services is also for this reason, after all, Li Dong previously graduated from Harvard, worked in investment banking at Goldman Sachs, and has deep professional knowledge of financial products.

As long as he is equipped with professionals who are familiar with the domestic financial market - such as Zhong Xiangqun. Lin Feng believed that Li Dong was absolutely capable of this position.

You don't see, in the previous life, the first head of Ali's Ant Financial was Peng Lei......

Who is Peng Lei? One of the "Eighteen Arhats" of Alibaba's entrepreneurship, he was the former chief talent officer, mainly responsible for Alibaba's values and corporate culture construction.

She's not a financial professional...... The reason why Ma Yun chose her to create Alipay and Ant Financial is more about trust.

Similarly, in this life, Peng Lei has just taken office as the CEO of "Honest Payment".

However, if Li Dong is now used against Peng Lei...... , Lin Feng felt a bit of a bully.

After all, at this time in Ali, Chengxin Pay is still a partial army.

And Li Dong is now at the helm of Fengxing Group, and he is handsome!

At this time, Ma Yun was far from imagining how Internet finance and mobile payment would flourish in the next few years!

He wasn't a reborn after all......

Lin Feng has a heart and no heart.

In this battle, he is still confident.