"Because the 'third-party payment platform' is the foundation of Internet e-commerce, it is also the lifeblood of Internet finance in the future, and it is also a direction for smart life in the future!"

As he spoke, Zhang Fan sat beside Zhou Yang with pure water on his face with some expectation on his face.

"The composition of e-commerce is not complicated, it is simply the middleman between merchants and sellers. It is equivalent to the 'construction party' and 'property party' of the real hypermarket, and the e-commerce itself does not have any production and manufacturing capacity. ”

"For example, Ali Taobao. Whether it's Taobao or Tmall, it's just a platform. Or it can be understood as 'bazaar'. The real core is the third-party payment platform 'Alipay'. ”

"Without this payment platform, any issues such as 'integrity disputes' caused by any transaction cannot be handled and guaranteed."

"Although we can't do e-commerce, it doesn't prevent us from doing third-party payment ......"

"First of all, the 'Big White Wallet' can meet the transaction payment of our own platform, including: Big White Mall, Game Store, App Store, as well as novels, comics, membership recharge, etc., ......"

"According to our current foundation, coupled with the unified use of 'Big White Wallet' as the standard in the future, I believe that it will develop to tens of millions of users within one or two years."

"Secondly, with this user group, we have the strength to do other things."

"For example, we have cooperated with other e-commerce companies to make our Dabai Wallet their third-party payment platform."

"In this way, the other party's e-commerce platform can immediately obtain tens of millions of potential consumer groups in our 'big white wallet'. And our 'wallet' users can also feel a kind of convenience from it. Deepen users' recognition of our brand and expand the influence of our 'wallet'. ”

“……。 We can also extend 'wallet payments' to offline. The first direction of expansion is our 'Dabai Experience Center'! ”

"Users who later consume in the 'experience center'. You can pay not only in cash or by credit card. You can also use the 'Big White Wallet' to complete the payment. ”

"And what you just said, I think we can cooperate with offline stores such as 'Pengfa Shopping Plaza', specialty stores, restaurants, retail stores, etc., to expand our 'big white wallet' offline payment field."

……

Smack-

Zhou Yang clasped his hands together, his eyes and the corners of his mouth were full of excitement at the same time: "Damn, why didn't I expect it!" Boss, this idea is amazing! ”

"Absolutely! I found that I really can't compare with the boss, and the more I compare, the more I feel that my brain is not enough. ”

Zhang Fan had two red lights on his face, and said with a smile: "Mr. Zhou is humble again, the idea of "Voice Talent Competition" you mentioned the day before yesterday is amazing......

"Where is ......" Zhou Yang smiled and said a few words modestly.

The two brothers went back and forth after a few words of 'compliment'. Zhang Fan said: "In fact, there are many expandable contents of the wallet, as long as the national policy does not intervene, our third-party payment can replace UnionPay in the future." ”

"......, Tongguò, Ali and Penguin established the 'Third-Party Payment Alliance' to infiltrate third-party payment into all aspects of users' lives through mobile apps."

"Tuition and fees, pensions, utilities, rent payments, phone bills, and internet bills can all be paid through our wallets...... Including the establishment of its own Internet financial system, take off the cloak of a third-party payment platform, and create a real online bank. ”

"This year, next year, after the 'Big White Wallet' life peripheral services are expanded into place. I'm going to launch a 'big white money bank' project business. Attract users to deposit money into our money bank. ”

"The big white money bank?" When Zhou Yang heard this, he immediately asked: "What is the use of the boss's 'piggy bank', and how to attract users to deposit money into our platform?" ”

"That's a good question."

Zhang Fan picked up the water cup on the table and pointed: "This water cup is like our 'piggy bank'." The water in it is like a user depositing 'change'. If the 'water' in it will increase by itself in a few days, do you think users will like it? ”

"Increase your own ......" Zhou Yang glared and said, "The boss means to pay interest to users?" Through guò funds, financial instruments to operate the user's deposits?? ”

"Not bad." Zhang Fan put down the water cup and said: "The same 10,000 yuan, in the hands of people who know how to manage money, can get benefits very safely." It is much higher than the interest rate of the bank. ”

"However, ordinary users don't understand, financial management can only buy funds, and the money can't come out in the short term after entering. And according to the overbearing terms of banks and third-party wealth management companies, users don't even get a penny. ”

“……。 We can make the 'big white money bank' into a 'safe fund with instant access and withdrawal', with a higher interest rate than the bank and no time limit, and the interest deposit can be used to pay for shopping at any time. ”

"Awesome!" Zhou Yang's face turned rosy, and he said excitedly: "Now I have dug up the corners of the bank!" If I were a user, I would definitely buy it! But...... Will the state pass guò? ”

"But give it a try." Zhang Fan patted Zhou Yang on the shoulder and smiled: "There are infinite possibilities in the future, but if you don't try, there is not even one possibility." ”

……

After talking about the development idea of the 'Big White Wallet' in the future, the two gathered around the computer to learn about the sales of the competitor 'Xiaomi A1'.

From 10 a.m. to 3 p.m., Xiaomi sold a total of 337,000 A1 mobile phones in online malls including the official website, Tmall, Suning, and JD.com.

The Dabai S1 has a total sales of 196,000 units through full-platform e-commerce.

In terms of sales, Xiaomi is leading in an all-round way, but the sales amount is still ahead of Xiaomi.

In terms of offline, in the first half of the month, Dabai also reached cooperation with digital technology stores such as Gome and Suning, and about 250,000 units were distributed offline before May Day.

Xiaomi's offline distribution Zhang Fan didn't check either. However, according to their strength, there should be more goods than online distribution, and maybe tomorrow you will be able to see the relevant news of "Xiaomi A1 First Day Sales Super Large White".

After reading the dynamics of competitors, Zhang Fan and Zhou Yang went to the sparrow company on the 7th floor of the building to 'understand the operation of sparrow network'.

Walking out of the elevator on the 7th floor, I saw that the 'orange and yellow three-legged bird logo' and 'sparrow net three-color LOGO' were printed on the front background wall at the same time.

The interior decoration of the two companies is very close, with the main color of the comfortable water blue style on one side, and the environmentally friendly and fresh 'yellow, green and blue' three-color style on the other.

Inside the Sparrow Studio.

Now. Qian Yutang and his teammates are discussing some "newly discovered bug solutions".

The other designers have their own jobs. Or rectify errors in the design of the page. Or optimize the Sparrow Android and Apple APP applications. An English version is also being designed.

After the company was officially established last month, the company's structure was also adjusted.

In addition to the original web design team, Sparrow also corresponds to the five major contents of Sparrow's online network, and has established: information, games, novels, comics, and videos.

These people are the backbone of the relevant companies, all under the age of 30, and they are not as experienced as their company executives, but they are very rich in creativity and ideas.

Xinghuo is in need of such talents.

And Xinghuo's unique 'teamwork mode' also allows those young employees who have jumped over to enter the sparrow. It's as if the finch has found a free home.

In addition to the six teams, there are also five teams of customer service, marketing, management, finance and APP development, and the 11 teams of Sparrow perform their duties and play freely in this small environment.

……

"Boss, Mr. Zhou......"

"Hello eldest brother, good second brother!"

Seeing Zhang Fan and the others coming in, Qian Yutang and others greeted each other.

Zhou Yang smiled: "Hello everyone is really good!" ”

After finishing the words, the scene was full of laughter, Zhang Fan looked at the display screen behind Qian Yutang and smiled: "How is the online situation today?" ”

I saw on the screen, the landing page of the sparrow network, the user page and the pagination of channels at all levels, while inheriting the flat elements of the big white space. The design style is more mature and clear.

Under the yellow, green and blue design style of 'Sparrow', the social environment of the whole website gives people a pure, green, concise and pleasant experience.

In addition, in order to take care of the users of the Dabai community. Sparrow.com has specifically kept the 'big white style skin' of the past.

"The situation is quite stable."

Qian Yutang let go of the space and asked Zhang Fan to sit down and said: "I received a lot of bugs and error messages......

"The total sales of 23 community web games launched on the game platform have exceeded 2 million."

"Fiction...... Today, more than 7,000 sparrow author accounts have been added as soon as the site opened, and 1,700 works have been created. ”

"The animation aspect is also good, 755 people have applied to open the sparrow micro animation author account, and there are 24 uploaded works ......"

"Several of these comics are of a very high standard, and one called "Steel World" also imitates the art style and sci-fi setting of our "Superpower"...... Mr. Sun and they saw it and felt that they had great potential for development. ”

Zhou Yang smiled: "This should be called 'following the trend', right?" But they're too fast......"

Zhang Fan smiled and clicked on the [micro comics] of the sparrow's online navigation.

See the design of the 'comic page' like a comic pictorial, recommendation, ranking version, comic classification, etc., drawing on some elements of the domestic original Chinese website design and Japanese online comics,

The visual separation between each other and the recommended navigation look more comfortable and fresh, and the comic elements are thick, giving the impression that you are reading a poster with rich content.

In the [small survey] in the upper right corner of the page, 98.6% of the surveyed users said that they were very satisfied with the design of the comic channel, and less than 0.3% felt that it was 'very bad'.

……

After roughly browsing the homepage of the comic channel, Zhang Fan checked the four major content areas of [Novel], [Information], [Video], and [Game] respectively......

These 'classified channels' are highly integrated with 'user space'. Almost seamlessly connected to the user space without compromising on social themes, and with clear priorities.

After users log in to Sparrow.com, the first thing they enter is their own social space.

The main display area is the messages, pictures, and videos you have sent.

The sub-display area is for friends and following user dynamics, and the next sparrow assistant displays dynamic information such as collected books, comics, and videos.

After reading the content of [Game Channel] again, a very important future information suddenly flashed in Zhang Fan's mind, that is, the game "Minecraft" mentioned in the morning future broadcast.

"This game can be broadcast in the future alongside Great White Island and used as a 'hologlasses' demo...... It seems to be of great strategic importance......"

"I just don't know if Minecraft was developed in-house or acquired from another company."

…… (To be continued......)