United States.

Burt is an online shopper enthusiast.

With the rise of e-commerce, online shopping has become more and more convenient. In particular, the unprecedented development of logistics and transportation in the United States has made the e-commerce market develop rapidly. Audio-visual, books, toys...... and other small items, electrical appliances, cars, etc., all of which can be easily purchased online.

It's just that Bert's online shopping has been a bit depressed lately.

Because, some of the professional goods he needs cannot be purchased through Amazon, an e-commerce platform. And like other e-commerce platforms, that is, more professional shopping platforms, that is, e-commerce platforms that only sell a few items. There are often only a few banks he supports.

As a result, Bert needs to buy their goods online, so he has to apply for a commercial bank card that the site supports. It's just that, generally speaking, individual users have a maximum of a few cards. If you have too many bank cards, it will be difficult to forget the password when the time comes. So, not all users, he has several cards.

Moreover, if you get another card, you don't have to do it, you have to rush money to enter it. But in the future, often in many cases, you may not use this card. As a result, such a bank card will also be abolished. Moreover, "Bert" has had such an experience before. In his hands, there are already several useless cards. If he continues to do this, he doesn't know how much money is in which bank card. This may cause some trouble in his life.

Therefore, recently "Bert" has been hesitating whether it is necessary to apply for another card.

Today, Bert continues to log on to the Internet, and he wants to look for the goods he wants again. Perhaps, Amazon will release these products one day. Yes, Amazon is growing faster and faster. Sometimes, there are some professional products, and it won't be long before they appear on platforms like Amazon.

For example, like some cosmetics before, they have opened their own e-commerce platforms to sell these products online. Alternatively, they will go through a more professional cosmetics e-commerce platform. However, as Amazon's users continue to grow. More and more products are being released on Amazon. Even some manufacturers, they even recruited a large number of employees and opened a few small stores directly in "Amazon".

That's a good way to do that, and their sales record is rising to new heights under their advertising.

It is for this reason that Bert has been looking forward to the emergence of these products in recent days.

"Well, still no."

Bert searched for the product on Amazon, and the results were still none. Even if there are one or two stores, no one is online. Even if it's passed. Messages have been sent, but no one has responded. This made Bert feel bad, and he was in "Bert...... When you close Amazon...... An ad on the front page attracted the attention of "Burt".

"Alipay, pay for all purchases online."

For Bert, who is familiar with the Internet, he naturally knows the meaning of this sentence.

"Pay for all purchases online?"

Really?

After clicking to view, finally, Bert understood what was going on.

As long as Alipay is opened, then the information of your own bank can be transferred to Alipay. And when you need to buy something, you can pay through Alipay...... There is no need to go through another bank. Even if the items you buy are not Amazon's, you can pay for them all with one click.

It's no wonder that in the past few days, in the major professional e-commerce platforms, there has been a payment option of Alipay.

At first, Bert didn't understand what this Alipay meant. Now, it is to add one more payment pass. It's just like adding an extra payment bank, although this "Alipay" is not a bank. However, it is possible to pay through "Alipay...... It's no different from a bank.

Seeing this, Bert was overjoyed. Soon, he opened a file on Amazon to apply for Alipay.

OK, put the bank's $1,000 into "Alipay".

Then, Burt entered the professional e-commerce platform and chose to pay through "Alipay". It went well, and Bert spent $500 to finally get the item down. Also, I am waiting for the product to be delivered to my door. ,

"There are still 500 US dollars, I don't know if this Alipay is safe?"

After the $1,000 payment, there is $500 left. The $500 is naturally stored in the Alipay account. Bert is using this Alipay for the first time, and he is a little worried. Although this Alipay was pushed out by Amazon, and Amazon is also an excellent e-commerce platform, there should be no problems. But, after all, Amazon is not a bank, and this network virtual account will be like in the game, if there is nothing to clear the account record, then he will be finished.

Fortunately, this Alipay has a very convenient measure, that is, it can transfer $500 back to the bank again. For this reason, Bert transferred the $500 back in an instant for the sake of safety. It was smooth and there were no problems. After Bert checked the bank account funds, "Bert" became very relieved about this Alipay.

In the following days, Bert slowly got used to this Alipay.

Because, Alipay is really too convenient. No matter where he goes, even if he needs to buy an Alipay game point card...... he can use it as a payment channel. Otherwise, he can only go to the store to buy physical point cards, because there are many banks that do not support these games. At this time, Bert can only think of another way, or, through Amazon, 5173, etc., to buy virtual point cards. Although it is also convenient, it is a bit cumbersome.

However, after having Alipay, he no longer needs to buy it in reality. Or, for other purchases, get a bank card again. At this time, as long as the website supports Alipay, then he can easily use "Alipay" as his only payment tool. Because, whichever website he goes to, he can easily pay.

After using it many times in a row, Bert is 100% at ease with Alipay. For this reason, he also recommends it to his friends. Because, for those of them who are online shoppers. They tend to get together and discuss where to buy things. Or, where to buy something cheaper.

Yes, things on the Internet, in general, are cheaper than in reality.

How to find those cheap and easy-to-use goods has always been a topic of conversation for them.

So, under Bert's strong recommendation, some of his friends also began to use Alipay. And, with their continuous use, they finally recognized the payment function of "Alipay". Even, there are many friends who have regarded this Alipay as an online bank. He will put a lot of money in Alipay. Anyway, you have to pay for it in the future, and it doesn't matter if you store it inside, it won't be less.

Besides, because Alipay can repay credit card funds, and it can also transfer money. In this way, the turnover of personal funds between friends is greatly convenient for a while, and there is no need to run to the bank. Especially for large enterprises, there are often some large enterprises that cooperate and can only go directly to the bank to operate. If it happens that their customers and friends do not support their own bank, then, in many cases, they have to withdraw a large amount of money, and then go to another bank to remit this money...... But with this Alipay, one is very different.

At present, all small banks around the world have fully supported the transfer function of Zhijibao. As long as the other party reports the account number, then the staff of the enterprise can use the computer to transfer their funds without leaving home. Such a convenient thing, how can these companies not like it. Because of this, these companies have to do business every day. Therefore, many parts of their funds have begun to be stored in Alipay. In order to facilitate future payment and collection functions.

Yes, pay yourself to someone else. When the time comes, when there is a business to the door, you can use Alipay when you can't pay. You only need to report "Alipay" to him, and he can transfer the money into "Alipay". Moreover, the transfer through Alipay and Zhijibao only charges a very, very small transfer fee, which is much less than that of the bank.

Because of this, more and more enterprises are using Alipay to carry out their payment business.

Citibank.

This bank, formerly known as the "City Bank of New York" established on June 16, 1812, has become the largest bank in the United States and a large international bank with branches in nearly 50 countries and regions around the world after nearly two centuries of development and mergers and acquisitions. In addition, Citibank's parent company, Citigroup, is the world's largest financial services group with the largest assets, the largest profits, the highest global chain and the most complete business categories. ,

It can be said that whoever has any business dealings with "Citibank" is definitely a predator in the international financial circles.

Today, members of the board of directors of Citibank are holding a meeting.

"Ladies and gentlemen, now, it is necessary for us to discuss whether it is necessary for us at Citibank to open Alipay business."

Yes, the previous implementation of Alipay, although it has publicized the world's large and small banks. However, as a super-first-class bank in the United States, such as Citibank, they did not cooperate with Tang Dynasty. Of course, this is not Citibank's idea, but the U.S. government realizes that payment may become an important part of the economy in the future. As a result, Citibank vetoed the proposal at the behest of the U.S. government.

Although, Citibank has always been unhappy about the government's interference.

However, even if the U.S. government does not intervene, it is unlikely that Citi will cooperate with Alipay. Because at this time, on the one hand, Citibank did not see Alipay's profits, of course, on the other hand, they also felt that Internet payment may play an indispensable role in the future economic and financial industry.

Therefore, even if Citibank does not want to enter this online payment business for the time being, he does not want to support the entry of "Alipay". Because, if Citi opens this opening, then Alipay is really likely to unify the world and become the world's largest online payment standard. Although, this one criterion still does not see much profit.

At this time, many analysts at Citibank, they have always believed that this huge amount of promotion business expenses. No matter how rich the Tang Dynasty Company is, it is impossible to promote it every day. At most, he can only last a year or two. After a year or two, if the benefits are not good, then Alipay will also withdraw from the stage of history. And at this time, they can see it clearly. In the future, there is no way out for Internet payment. Or, from the process of Alipay's failure, what should they pay attention to.

After all, from the perspective of information technology development, the future of Internet payment ...... It will definitely occupy an important force.

Citibank, as the largest bank in the United States, could not give up this part of the business. Even if Citibank has not entered the Internet industry. Citibank, however, doesn't care. He knows that no matter how fast the Internet develops. He is still subject to the influence of the real economy, such as this payment channel. If the major banks do not support it, he will not be able to launch this Internet payment......

Citibank has a leading position in the international financial circle. His words and deeds...... will become the direction of many banks. Historically, Citibank has set up a series of terms. For example, an investment bank is not allowed to enter the high-risk futures industry, which has always been a reference standard for major investment banks around the world to formulate new rules.

As long as Citibank wants to enter the online payment sector, he believes that with his own strength, he will definitely be able to defeat a competitor. Therefore, although "Alipay" has been supported by large, medium and small banks all over the world. But the top management of Citibank, they are not in a hurry at all.

It's just that just a month after the launch of Alipay, their views immediately changed.

Chairman of Citibank "Hoff,、...... I personally convened a board meeting today.

"Lord Hoff, didn't we hold this meeting a month ago?"

At this time, one of the members of the board of directors, "Andek", said directly.

"Not bad...... I said it a month ago, but now it's a month later. ”

Another board member "Lomi" replied.

"Oh, really?"

Andek and Lomi have always been at odds, and when they heard Lomi directly deny him, Andek said, "Well, I wonder why, a month later, our always wise Mr. Lomi has changed so much. In other words, last month, Mr. Lomi, you have been in a state of completely negating "Alipay". The proposal I put forward was rejected in its entirety. Could it be that Lomi, do you think that now we should cooperate with Alipay? ”

Finally seized an opportunity to humiliate "Lomi" fiercely.

"You......

Lomi was humiliated by Andek once, and he was about to have a seizure, and at this time, the chairman "Hough" directly slapped the table, "Okay, it's a board meeting, not a personal vendetta time." ”,

Hough stared at the two directors fiercely, and then instructed the secretary on the side, saying, "Angela, read out our investigation report for this month. ”

“OK。”

The secretary "Angela" took out the information and began to read it out in the conference room, "Today, large, medium and small banks in the United States released their monthly reports, according to our statistics, 80% of the small and medium-sized banks in the United States have increased their profits by 10% in the month, and their savings funds have soared by 30% year-on-year......

"Over...... How is this possible. ”

Just a monthly report, the entire conference room became boiling.

These representatives are well-known figures in the financial circle. Profit growth, 10% is surprising enough, because, for the bank. There is nothing unexpected, and his performance cannot skyrocket a lot all at once. Moreover, banks have always been involved in extremely large amounts of money, and growth has been relatively slow.

Just like the U.S. economy, to that point, it is no longer possible for economic growth to maintain an 8 percent growth rate like China. Under the condition that the market economy is relatively good, it is very good to be able to increase by 2 or 3 percent. So, for the bank, it's the same...... It's also difficult to grow. Something like the Bank of China that grows on a large scale all at once is impossible in the United States.

This is only second, for small and medium-sized banks, as long as the funds are lent out quickly, then the profit growth will be much faster. It's not that hard, and Citibank can do it too. However, that "savings...... A 30% year-on-year increase in funding is terrifying. Because by this time, more and more consortia have become more aware of the importance of banks. Countless consortia across the United States have begun to play with the idea of banks. Even some investment companies, they have entered the orthodox banking business, so the competition for their personal savings in American banks is extremely fierce.

And their biggest competitive goal is to increase their savings.

However, for this fully mature market. It's even harder to increase your savings quickly. What's more, for a country like the United States that consumes ahead of time. A large number of people, not to say anything about savings, if he doesn't overdraft in advance, then everything will be fine. For major banks, it is simply impossible to increase savings funds quickly.

However, now this kind of terrible thing is flashing among these small and medium-sized banks.

"Beautiful Miss Andra, we would love to know, how did they do it?"

Hearing this news, the members of the board of directors of Citigroup were all shocked. Could it be that this is the performance brought by "Alipay"? It seems that this is really possible. It's just that they are not willing to accept the fact that if they accept. That only proves that the decision they made more than a month ago may have made a fatal mistake.

"Although I also don't want to think that this is promoted by Alipay. However, according to the survey, small and medium-sized banks in the United States have not launched much business in the past month. Except, of course, for Alipay, which we're going to talk about now. (To be continued.) If you like this work, you are welcome to vote for recommendation and monthly passes, and your support is my biggest motivation. [This chapter is provided by [Lazy Duo Eggs and Coco], recruiting newcomers QQ group 97349073]