Needless to say, IBM's position in the technology industry is needless to say, even if its market value has been surpassed by Microsoft, Intel, Google, and even Apple. Pen "Fun" Pavilion www.biquge.info but in people's minds, IBM is probably much larger than these companies.

Wang Qinian said: "Of course, we also have to learn lessons...... IBM supported a lot of manufacturers back then, so that a bunch of compatible machine manufacturers could produce PCs. In the end, the compatible machine sold more PCs than IBM, so that IBM was psychologically unbalanced, and began to carry out a series of struggles with the compatible machine manufacturers, and even, later, revised the technical standards, made a new set of PCs, and new technical labels, but was resisted by the compatible machine manufacturers. Microsoft and Intel, because compatible machine manufacturers provide more orders, eventually stand on the compatible machine, so the compatible machine has become the mainstream of the PC, and IBM has gradually been marginalized. ”

"The other camp that is hostile to PC is Apple. At that time, Apple Computer not only produced its own hardware, but also developed its own operating system. They produce almost everything in-house, and are completely reluctant to license the technology or outsource the work. In the end, Apple played alone, the technology became more and more closed, the compatibility naturally became worse and worse, and gradually lost the market. At that time, when Apple was still focusing on computers, the computer market was already dominated by PCs, so Apple's machines and applications were becoming fewer and fewer, and many hardware were less and less compatible with it. After that, it also became clear to everyone that Apple in the PC era almost died! If it weren't for Steve Jobs' comeback and persuasion of many technology companies to re-inject money into Apple, Apple in the late 90s would have gone bankrupt and liquidated! ”

"......" many employees are silent.

IBM and Apple each made different mistakes, one technology was open, but the market was snatched away by other manufacturers. One is that the technology is closed, playing alone, and in the end, it becomes more and more niche, and the market share is getting smaller and smaller. Almost died.

"Taking history as a mirror, we know that we can't close it, which can only make our path narrower and narrower. Only when technology is open can we get a lot of help. That's why I'm advocating for the XOS system and a lot of patents. Free licensing to manufacturers of XOS phones. Now, we license our technology to hundreds of brands, and they produce mobile phones that are more market share than our own products. Due to the efforts of these manufacturers. In the era of our touch screen, the most critical moment of staking has occupied a large number of users and began to have a foothold! Wang Qinian said.

This result makes the small partner company and tangled. If it is not externally licensed, it may not even be possible to promote the XOS technical standards of the partners.

But the license went out, and most of the market share was occupied by compatible vendors using the same core technology.

It's almost a repeat of the PC era, the story of IBM and those compatible machine manufacturers.

Of course. At that time, IBM also felt that it had done a lot of wrongdoing, and the market and profits were earned by compatible machine manufacturers. In order to regain the market and profits, IBM tried to withdraw from the upgraded version of the PC even after the PC became the mainstream technology standard, which was more advanced than the PC back then. However...... Compatible machine manufacturers co-opted Microsoft and Intel to not play with IBM, and in the end, IBM's new technical standards were not promoted.

Therefore, we want to take back the technology that has been opened up, and we want to grab the market occupied by compatible manufacturers. This is unrealistic.

Wang Qinian said with a smile: "Technology development, this is a must. However, if we delegate everything to others, then we still make a dime? Compete with compatible manufacturers for mobile phone shipment share. It's also a stupid thing. Therefore, our core is to grasp the foundation of the XOS platform and the mobile Internet. The foundation, the operating system is one. The other is the Internet financial business based on the payment platform! The small partner wallet is not only a payment tool, but also the era of mobile Internet. The most basic application, the popularity should reach the level of UnionPay card and Visa card! ”

"Let our little friends get a status similar to a bank card. Then, it must be upgraded, not only the third-party payment platform, but also, it is necessary to give interest to depositors. The interest of the small partner's wallet should be no less than the bank interest, and the security of the funds is at the same level as the bank deposit, in addition, the flexibility of deposit and withdrawal is greater than that of the bank. We don't have the concept of demand deposit and fixed deposit, and the upgraded partner wallet is a payment wallet with money market fund function. ”

"Little partner wallet, this is the future of our little partner company! In the era of mobile Internet, we rely on two major platforms, one is the operating system platform XOS, and the other is the wallet of the payment platform! ”

Within the company, Wang Qinian has raised the strategic position of the small partner's wallet to the top level. Suppose you control the wallets of hundreds of millions of people, and there are countless scenarios every day, such as deposits, withdrawals, and transfers. However, the company does not have a counter similar to that of a bank, and such an efficiency should be countless times that of a complete bank.

Of course...... Wang Qinian has to admit that there can't be no traditional banks!

In order for Internet finance to develop, banks need to become the foundation of Internet finance. Physically, it is difficult for Internet finance to be separated from the support of these physical banks, and even if paper money is completely withdrawn from the stage of history, physical banks are necessary.

To a certain extent, the partner company may open its own bank branches.

But not now, after all, private banks are not allowed in the country yet. Even many listed joint-stock banks are not privately initiated. Pilot joint-stock banks like Minsheng Bank were once known as private joint-stock banks because most of their promoters were private enterprises. But in fact, Minsheng Bank is not, its chairman and president are not selected by shareholders' meetings, but by the China Banking Regulatory Commission and other new policy departments, in essence, it is still a state-owned bank. However, many private enterprises are their shareholders.

At present, domestic banks have a maximum of 20% equity restrictions on foreign capital, and the equity ratio of private enterprises holding banks must not exceed 30%!

It is precisely for this reason that it is currently impossible for small partners to set up their own banks. After all, a bank with only 30% equity, even if it is a major shareholder, cannot be considered a controlled industry.

It is precisely for this reason that in the territory of the Internet financial empire established by the small partner company, there will be no banks for a long time! (To be continued.) )