Happy Flower once again proves that the cooperation between the Internet and the traditional financial industry, as long as you choose to deal with the cooperation method and launch products that meet the market demand, the results that can be achieved will definitely exceed any unilateral impact of the traditional financial industry and the Internet.

Two different chemical elements, in the right proportions, catalyzed to the present, bloom with dazzling light. While other Internet companies are still learning from Zelianke's pace and groping for the first step into finance, the former has steadily expanded its territory in the financial market, forming a closed-loop financial ecosystem.

Ma Yun stood alone in front of the office window and thought for a long time.

What is Biosphere?

The ecosystem is an 'independent world' that can be self-sufficient and can develop itself without relying on the outside.

In the past, even if the scale was large enough, it did not form an ecosystem, and it had to rely heavily on external 'supply', that is, cooperation.

As long as there is a need for cooperation and various dependencies, it is not invulnerable.

At this time, the Zelianke ecosystem has been formed, and the dependence on the outside world has been reduced to the minimum demand, as long as it does not harm the foundation of this ecosystem, the blow to Zelianke is limited and superficial.

How easy is it to hit the heart of this ecosystem?

Zelianke's Weibo is unrivaled in the market of similar products, and even Zhao Zejun's own blog China and Sina, the largest Internet portal, have been defeated;

JD.com, this is a platform that is theoretically enough to compete with Taobao, in fact, in the initial stage of JD.com, Alibaba tried various ways to suppress it, and even turned it into its own, but the result is that JD.com is still growing strongly.

As for Sushang Bank...... Behind any bank, there are only two words, the country. Whether it is a state-owned bank or a so-called joint-stock bank, in the final analysis, the biggest boss behind it is the state, and there is no difference.

Although this ecosystem is still very young, once a perfect self-cycle is formed, it will always be self-hematopoietic, grow rapidly, and expand outward, squeezing the living space of other enterprises outside the ecosystem little by little.

Like a big whirlpool, the market, resources, into this ecosystem, the bigger the ecosystem, the more terrifying this 'involvement ability'. Sooner or later, Alibaba will be seriously threatened.

Alibaba, by contrast, has made very limited progress.

To be honest, Ali's response is definitely not slow!

Since the launch of Zepay's Yu'e Bao business, Alibaba has immediately followed up with the financial market, contacted and inspected at least five fund companies, and two have entered the candidate list and began to discuss cooperation matters.

But unexpectedly, Alibaba's fund business has not yet been launched, and Zelianke has taken a step faster, starting from the fund and carrying out in-depth cooperation with banks.

In the same way as Tianhong Fund, it is not impossible for the Internet to cooperate with banks, but it is necessary to find a 'suitable' partner.

The requirements for banks are even more stringent than those of fund companies.

After all, the size, energy and background of banks are not comparable to ordinary enterprises, and a careless, unsuitable bank is likely to be self-defeating in the end.

There is a very vivid saying on the Internet: strong masturbation, fly ash annihilation.

No matter from which point of view, Sushang Bank and Zelianke, these two are a match made in heaven.

There are few fund companies and even fewer banks, and it is by no means a cabbage to be picked in the vegetable market.

Whether it's Alibaba, Tencent or other Internet companies, where can you find a bank that meets the requirements in all aspects?

It stands to reason that Alibaba's headquarters in Hangzhou, Zheshang Bank, is a good choice, but it is still too big. The economy and politics of Zhejiang Province are much ahead of southern Jiangsu, so that Zheshang Bank is also an order of magnitude higher than Sushang Bank.

Time...... It's time again......

Ma Yun sighed. Zelianke's e-commerce platform is too weak, on the game and entertainment industry, Zelianke is not as good as Tencent, on shopping, Jingdong is not as good as Taobao, but Zelianke covers the two largest Internet trading businesses at the same time, and takes the lead in establishing an ecosystem.

What Ma Yun is most worried about now is not the market share battle between Zepay and Alipay, but the development speed of Zelianke's financial ecosystem.

Once this ecosystem becomes a 'tornado' attraction and attracts many companies to join, no one can stop its expansion.

"The so-called 'Skynet Alliance' has occupied a dominant position in the Internet industry, but before, any company in the Skynet Alliance, including Zelianke, you, and Baidu, was at most the hegemon in a certain field in the Internet industry, but it was still a long way from the Internet empire. ”

Tencent's Ma Huateng also expressed great concern about this, once the ecosystem is perfected, then Zelianke will be one step ahead of any other Internet company to achieve a real 'qualitative change', from the industry hegemon, to the business empire."

This is a step that all Internet hegemons, including Tencent, want to take.

Tencent's business group model and Taobao's extension of the financial field are all preparations for this step.

No one expected that Zelianke, who came later, directly copied the advantages of their respective models, and was likely to take the lead in taking this step.

"As far as I know, not very likely, but this step has already been taken!"

Ma Yun said in a deep voice: "I also found out before I talked to you, you can find out on Zelianke's official website." ”

On the other end of the phone, Ma Huateng raised his eyebrows slightly and turned on the computer.

In the main business of Zelianke, in a very conspicuous position, a list of third-party payment cooperative enterprises has been announced.

When I opened it, there were more than 40 large and small companies in the list.

Most of them are well-known Internet companies, mainly games and e-shopping.

Including well-known game companies such as Jiucheng, Shanda, NetEase, and Perfect, new e-commerce websites such as Dangdang.com, Joy.com, and Vipshop.com, and even non-e-commerce websites such as Renren.com, Century Jiayuan, and Ctrip, but can be used for online consumption.

In addition to Internet companies, there are also quite a few brick-and-mortar business companies. One of the most famous is SF Express, which has become popular with e-shopping in recent years.

All of these companies have established business cooperation with Zelianke, and they can enjoy corresponding discounts when they use Zepay and its related functions to pay online.

The list is constantly expanding.

Ma Huateng's eyes fell on the release time of the list, which was this morning.

At this time, it has only been two months since Happy Flower was launched.

In other words, at the same time as Happy Flower was launched, Zelianke had already begun to contact these companies to enrich this financial ecosystem. At this time, these enterprises have all become part of the ecosystem, protect and grow this ecosystem, and Zelianke is mutually beneficial and win-win.

"Although these companies have not yet cooperated exclusively with Zelianke, with the two services of Yu'e Bao and Happy Flower, users will obviously have limited choices ...... Zepay;

In the Skynet Alliance before, Zelianke's stature was very low in front of Ali and Tencent, and Zhao Zejun was like a little brother. Although everyone thinks that this little brother is very promising and takes care of him, and has never put the big brother on the shelf, the little brother is the little brother, and the big brothers are willing to support him, they can hold him up, and in turn, they can suppress him.

But in this year's time, Zelianke is no longer Wuxia Ameng, and has shown enough to stand up to any Internet company to resist the enemy, and even directly seize the market and affect the strength of the other party.

In addition, compared with Ma Huateng, Ma Yun also has an indescribable sense of 'anxiety'.

Everything Zelianke is doing now is almost exactly the same as his vision for Alibaba's future financial business, and in some places that he has not yet thought clearly, Zelianke has also perfected and implemented.

Zelianke is one step ahead, which directly leads to Alibaba's financial layout, which is completely backward.

When he encounters an opponent who is exactly the same as himself, he seems to be able to do his best, this feeling of powerlessness is something Ma Yun has never had, which makes him extremely nervous in addition to frustration.

Compared with Ma Yun's unknown anxiety, Ma Huateng appeared more sober and calm.

He looked at the companies on the cooperation list, was silent for a moment, and said: "Perhaps, it is not as serious as we thought, although these companies have strengthened Zelianke's ecosystem, they are only leading in a certain region. In essence, it has not changed the 'quality' of the ecosystem, nor has it been quantitatively enough to cause quantitative change. ”

"What do you think?" Ma Yun paused and said in a deep voice: "As far as I know, Tenpay in Tencent is also a springboard for entering the financial market in the future. ”

Ma Huateng smiled faintly: "I have to say that Zhao Zejun is still very discerning, and the companies that can really change the 'quality' of the Internet have been merged into the Skynet Alliance by him one after another." Especially our four core members. Now, both of us are very dissatisfied with him, and the three major portals can not be considered for the time being, and they will not be of much help in this matter, so there is only one Baidu left. ”

"At the last internal meeting, Li Yanhong generally supported Zhao Zejun. Ma Yun said.

"That's just a kind of moral support, you see, so far Baidu and Zelianke have not joined forces substantially. ”

Ma Huateng said: "Baidu controls the entrance of new Internet users, and the search entrance of all Internet products and physical products, and a large number of middle and downstream enterprises want to see Baidu's face to eat, and strive for Baidu's support, which is very important for you and me, or for Zelianke." ”

Ma Yun was silent for a moment, "Mr. Ma, when do you have a chance, let's meet." ”

Ma Huateng looked at the time, it was already half past ten in the evening, and he said: "I can't drag it out like this anymore, tomorrow, I will fly to Hangzhou in the morning." ”