Chapter 75: Conception of an e-banking system

According to Jennifer's personality, she didn't like to participate in the drinking party, not only because of the commercial atmosphere created by the drinking party, but also because of the lack of communication between her peers, so she would be alone on the balcony to watch the view before the drinking party even started.

"Jennifer, this is a matter between me and your uncle, you should think carefully about whether you are willing to marry into our Thyssen family, and lay a good foundation for our two families to cooperate in the future!"

Strong alliances are often accompanied by various sacrifices, and political marriage is one of the most common means, for special steel, although the Thyssen Group spends a lot of money every year, but still does not have the deep heritage of a company with a long history.

"Mr. Thyssen, when and who to marry is my own business, and I hope that I can make my own decisions, especially if I haven't finished college, I hope you can understand......"

Jennifer is only in her junior year even if the new school season starts, and basically if everything goes well, there should be two years before graduation, and so much can happen in the meantime.

"It doesn't matter, isn't it just two years, our little Thyssen can afford to wait, Haluha, Alstom, little Buffon Although he has no ability, he has given birth to a good daughter, the opportunity to solve your Krupp steel crisis is in front of you, it depends on whether you can grasp this opportunity......"

In the shopping mall, if you have money, you are the uncle, and you have the right to speak, and before Alstom could reply, Olas left with a smile.

"Hey, Jennifer, don't worry, the family will never use your marriage as a bargaining chip, unless I am buried in the ground, not before, and not in the future!"

Looking at the back of Aulas's departure, Alstom's eyes were also a little gloomy at this moment, there was Alfred, the eleventh generation Krupp, to support the entire family, but his unfashionable prodigal son made everyone in the family extremely disappointed in him, and he and his brothers alone could not support the backbone of the entire family.

Therefore, in the offensive launched by Thyssen, the maturing "King of the Ruhr", it can only barely rely on the relief given by the former government and the contribution of the family, but no one knows how long this situation can be supported, just now, the asset-liability ratio of Krupp Steel has reached 73%, which has completely crossed the red line of 65%, if the company's debt concentration erupts, the consequences are completely unimaginable.

"Uncle, I understand, is there anything to be gained at night, is there any bank willing to lend us money?"

Jennifer's mood at this time is undoubtedly bitter, even if she knows that the Krupp family has never used women as bargaining chips, but as a member of the family, for the sake of the family, he will still stand up without hesitation and dedicate everything he has when necessary, although she now clearly refuses Thyssen's request, but she also knows that she is now just using studying abroad as an excuse to comfort herself.

"There are two bank managers who are willing to lend us money, but the amount is not large, and the conditions are very limited, but something is better than nothing, as long as the company can continue to maintain, we still have a chance!"

This is also the benefit of the cocktail party, especially the cocktail party held by the influential gentry, otherwise if they let the two of them run one bank after another, God knows when they will have to run to find a loan.

The brief altercation did not attract much attention, and perhaps many of them were accustomed to such a situation, and Yao Fei simply chose to watch from the sidelines.

However, he moved in his heart, and then kept in mind the characters involved in the process and the content of the dialogue, although his current strength is still very shallow, even if it is now down-and-out Krupp, he can't catch up with his own horse, but he believes that this thing will always be useful.

Although the night was physically and mentally exhausted and his facial muscles stiffened, Yao Fei still learned a major news from talking with the bankers who were talking, that is, the current banks still use the very backward traditional banking model to serve customers.

Banks generally put together employees who are engaged in the same or similar activities according to the similarity or similarity of their business to form a service whole.

And each such service as a whole is only one department for the customer's complete service process, but for these departments it is the whole of its work.

In this way, from the customer's point of view, different needs make a complete business process often divided into several parts, the deposit is a person is responsible, if you need to transfer money at the same time, then sorry, you have to go to another window to handle, this is a very inconvenient thing, especially in the case of queuing, even more so.

As the competition in the financial field becomes increasingly fierce, the comprehensiveness and complexity of financial products are increasing, and customers are becoming more selective, banks also need to make themselves more humane to understand customers, rather than looking for a large number of bank customers according to a popular standard.

Therefore, an irrepressible idea suddenly arose in Yao Fei's mind and could no longer be erased, that is, to start developing an electronic banking system.

This is definitely a kind of business that can get a big income as long as Yao Fei invests a small cost, as long as their products can make the bank's various businesses more accurate and fast, why worry about wealth not rolling in.

When the time comes, it doesn't matter what Krupp Steel or Thyssen Group is, it is not impossible to buy them, and Yao Fei couldn't help but curl the corners of his mouth when he thought of this.

And you can also open a private bank and launch a series of online banking services at that time.

It seems that I have seen in a book before, the first online bank in the world started with only ten employees, but its deposit balance has risen from only 14 million US dollars to more than 4 trillion in just one year, which shows the low cost and high efficiency brought by online banking.

Thousands of miles away on Hong Kong Island, when Yao Fei was still dreaming of robbing a bank, Angro, director of the Information Department of the Hong Kong Governor's Office, sent a message to the major media in Hong Kong and the world through the British-funded media Reuters, and the Hong Kong government decided to hold a global news media conference at 5:30 p.m. on the same day.

As soon as the news came out, it was first of all a sensation in Hong Kong, and the local media even opened up in front of the Hong Kong government, and then spread to all parts of the world, and the major well-known media in the world also rushed to the nearest place......