What supports Yan Wenlong's decision is the huge market base. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 infoIn the Yangtze River Delta, the Pearl River Delta and the Bohai Rim region, around the industrial zones, tens of thousands of migrant workers gather everywhere, usually from central and western counties, cities and rural areas, with a monthly income of three to four thousand yuan. According to the 2015 Migrant Worker Monitoring Survey Report of the National Bureau of Statistics, the total number of blue-collar workers in 2015 was 270 million.

But this huge population of 270 million is a group of people that cannot be covered by credit cards. Last year, China held 0.29 credit cards per capita. Credit cards cover only a small number of people, coupled with strict regulations, cumbersome approval processes and other reasons, many people do not enjoy credit card services. China's blue-collar workers, with a population of 270 million, have been isolated from China's credit system for many years, and like students and farmers, they have no credit scores.

This is a huge flaw in the construction of the credit system, but it is a business opportunity for small and medium-sized financial institutions like Trinity.

Although it is not included in the credit system, the consumption demand of blue-collar people is also strong. Yan Wenlong conducted in-depth research in three industrial zones for a week. He found that consumer electronics such as mobile phones are the "face" of blue-collar workers.

With a closed social circle and a boring work environment, mobile phones have become their only way of social entertainment, and even a capital to show off. For example, if two blue-collar workers are friends, one uses a good mobile phone and the other has a poor mobile phone, and there will be an inferiority complex in their hearts. This is a very common psychology.

If you go out to dinner, everyone at the table takes a good mobile phone, and someone takes the worst one, then he must be unhappy in his heart. Coupled with the increasing functionality of mobile phones and the gradual strengthening of the trend of replacing computers, the demand for smartphones for blue-collar workers is increasing.

These people are willing to buy mobile phones in installments and interest payments. Yan Wenlong chatted with more than a dozen blue-collar workers at random, and one of the female workers told him: "I work in a nearby electronics factory, and I don't have the money to buy it, so I will pay it in installments." This vivo is two or three thousand, and it is usually moonlight, so I basically can't save money, and I can have a mobile phone to play if I buy it in installments. ”

Another male worker, Wang, has a weak voice, is a technician, repairs equipment, and earns five or six thousand yuan a month. He told Yan Wenlong that he smoked a pack of cigarettes every day, usually had dinner with his buddies, went to KTV, and spent it casually. His mobile phone is 3,000 yuan, with a down payment of 500 yuan and a monthly installment of two or three hundred yuan. He chose a certain letter, the earliest installment product made locally.

After a series of analysis and research, Yan Wenlong officially made the decision to launch Trinity's own blue-collar installment products.

In terms of accurate customer acquisition, Yan Wenlong believes that online customer acquisition is a reverse selection, and the people who take the initiative to borrow money from you are often people with bad credit, lack of money and can't borrow money, and they are not high-quality credit people. If you want to find high-quality blue-collar customers, you must go offline and discover users through active sales.

His target group is blue-collar workers between the ages of 18 and 35, who are young, have a strong impulse to spend, and have a modest income but are more stable than students. Under the age of 35, they are in the rising period of their life cycle, and as they age, their physical fitness, skills, and income are all increasing. Yan Wenlong hopes to provide continuous services to this group of people in the past 17 years.

In terms of entry points. Lexianggou chose the factory as the entry point for blue-collar consumer finance. The factory environment is special, the workers are relatively concentrated, the promotion cost is low, and the relatively closed environment is also conducive to credit evaluation. If a customer is the first to buy an iPhone7, he will become a star in the circle of friends, and it will also become Yan Wenlong's best advertising case.

On February 11, after completing a series of customer groups, processes, credit investigations, product distribution and preparation for the release of materials by partners, Trinity's blue-collar installment product Lexianggou was officially launched.

The first pilot of Lexianggou was selected in Taigang City. They spent a week rolling out three industrial parks in Taigang City, testing all the systems, products, processes, and customer responses.

A week later, Yan Wenlong found that the problem was prominent, mainly because the deviation in customer acquisition was too large. The blue-collar workers in Taigang City seem to be very high-spirited, and they can't afford to spend two or three thousand yuan in installments. In a week, Lexianggou only made more than 100 orders, and most of the people attracted were small hooligans, and the bad debt rate reached 20%-30%.

Yan Wenlong immediately stopped all Lexiang shopping projects in Taigang City. He carefully analyzed the problem and decided to change the Lexiang purchase to the Qingfeng City area to promote.

To this end, Yan Wenlong once again went to a large electronic foundry in Qingfeng City with his team members to conduct research. In the daytime, they saw desolate streets with no figures, and their hearts were in retreat. But it wasn't until after 6 p.m., when workers swarmed out of the factory, that they thought there might be a drama in the business.

In a mobile phone store, Yan Wenlong briefly introduced his products and intentions to the clerks, introduced his incentive policies, and gave a reward of 100 yuan for each order. At that time, a young worker happened to come in and looked again and again in front of the OPPO counter, Yan Wenlong felt that he must be short of money, and immediately stepped forward to promote it. He told the worker that by buying the mobile phone with Lexiang, he only needed to pay four or five hundred yuan and pay back a little money every month, and the mobile phone could be taken away on the spot.

Under the enthusiastic recommendation of Yan Wenlong and the clerk, the young worker thought for a while and readily agreed. After filling in the relevant basic information and submitting the ID card, he became Yan Wenlong's first customer in Qingfeng City.

This order was a good sign, and in the next three days, under the vigorous publicity, the blue-collar workers near the electronics processing plant knew about the Happy Purchase and installment purchase models.

During this time, Yan Wenlong and his team worked together to continuously simplify the process, optimize marketing skills, docking systems, and dispatch equipment on site. Finally, a week later, the situation was successfully opened, and the number of orders continued to grow. By February 28, the total number of orders for Lexianggou had exceeded 1,000.

After returning to Taigang City, Yan Wenlong assigned a series of tasks to his subordinates, and he hurried to the office of Nake Network, which was his own company, and he still had a plan to implement there.

On the way, Yan Wenlong entered the virtual digital world and chatted with Nake.

"Nako, some time ago we worked together tacitly, and we have also achieved commercial success in many fields. Now I have my own way of thinking about business management, and I believe I will be more comfortable with it over time. ”

"Haha, that's good! Wenlong, I know you have a lot of potential, and sure enough, you didn't disappoint me. During this time, I found some artificial intelligence technology, closed the algorithm and parameters, and turned it into an engine, which you handed over to Sun Jiansheng for secondary development, which is not bad. ”

"Now Nake's food app has covered 600 million people, including nearly 80 million restaurants, and the customer activity is very high, and the feedback and evaluation are very good."

"Yes, I've seen all the data, you've worked hard! Nako, there's something I need you to do for me, the number of points I can use here, well, there are 6700 points, which should be enough. ”

"What do you want me to do? It sounds like it's huge. ”

"Yes, I need to increase the valuation of Nako Network in the short term, and I need to transfer some of Nako's shares in the future for cash. I won't tell you about the specific purpose, you can suspend the engine development of the food app first, help me develop a new product, and make a game! ”

Nako's eyes widened and she asked, "Make a game?" What game? People in your world play very low-level games, and the interactivity and authenticity are too poor! ”

"That's true, so I wanted to make a game with technological innovation. I want you to use augmented reality technology to develop a game that catches pets, and I have already thought of a name, which is called Pokemon. ”

"AR technology catches pets, which sounds a bit interesting. Okay, I'll prepare, AR is not a difficult thing for me, I'll make a game platform and hand it to you first, and you'll see! After Nake finished speaking, she disappeared in front of Yan Wenlong.

After going to the office, Yan Wenlong chatted with Sun Jiansheng for a while, mainly listening to Sun Jiansheng's report, about the recent development of Nake Network, the progress of product research and development, and the main feedback from customers.

After Yan Wenlong listened, he kept nodding. Sun Jiansheng is indeed a technical master, under the premise of determining the business model, he can quickly choose the appropriate development method under the artificial intelligence engine, organize manpower, and quickly launch intelligent modules. Due to the faster efficiency, the food app has completed almost all of the functions related to food reviews, and there is nothing more to do.

So, when Yan Wenlong told Sun Jiansheng that he planned to develop another product, and it was an AR game, Sun Jiansheng was both excited and confused.

Sun Jiansheng is excited that the new products and new technologies mean that he can lead a trend in the industry again, and he and his team are more motivated. What puzzles is why Yan Wenlong chose not the current popular VR technology but AR technology.

Sun Jiansheng said: "Boss, VR technology is now more popular, his application is very wide, whether it is VR house viewing, VR tank, VR medical treatment, etc., can realize the interaction between virtual and reality, others, such as aerospace military industry, games, interior design, industrial simulation, roads and bridges, architecture, etc. ”

Yan Wenlong smiled: "I knew you would have this question, so I was also prepared to try to answer the confusion of you and the team." ”

He told Sun Jiansheng that he was going to commercialize now, to make money, and to open up the market. In this regard, AR will be recognized by the market earlier, first of all, in terms of acceptance, AR represents the addition of new elements to the existing environment, which is much easier to accept than the new environment of VR. Second, in terms of technical requirements, VR requires a high degree of technical maturity to achieve an ideal experience, while AR technology requirements do not need to be too high, and there is a good experience.

The second is the consideration of thresholds and funding. VR has a higher threshold, high capital consumption, more personnel recruitment, and a long technology development cycle. Comparatively speaking, the resource consumption of AR is much smaller, and the threshold is low, which is suitable for the development of a small team like Nako Network.

The third is the application field, AR is also widely used, in the maintenance, military, navigation instant information, games and other fields, have shown great potential. And the game is undoubtedly a project with a high rate of return and the fastest monetization speed.

Yan Wenlong believes that the two technologies have their own advantages in application. The ability of AR to connect with reality cannot be replaced by VR, and the degree of freedom of VR to be completely detached from reality is also something that AR cannot have. AR is the future, and VR is the more distant future.

After listening to this, Sun Jiansheng nodded, and said with emotion: "I didn't expect the boss to have a deeper understanding of these two technologies than me, a professional." You're such a magical character, okay, I'll follow the method you said, make technical preparations as soon as possible, and when the game platform comes out, I'll start developing Pokémon immediately. ”

Yan Wenlong smiled: "Where and where, I'm just looking at the problem from the perspective of commercial realization and industrial development." ”

He stretched and said, "Okay, then you can start developing." I'm hungry, let's go, let's go to the lotus restaurant to eat together, I invite you! ”