NewPay can play a bigger role than banks.

Users have a wide range of options, from regional banks to large banks, but electronic payments are different, with NewPay being almost the only option.

Other e-payment companies, there are too few users, too few scenarios are supported, and users lack trust in these e-payment software.

Founded by Musk, it received investment from EBay after the bubble burst, and EBay holds about 30 percent of the shares.

The one backed by EBay can only be used on EBay, not Amazon, which means that the payment scenarios it supports are very limited.

The limited payment scenarios lead to the weak willingness of users to use electronic payment, which in turn leads to the lack of attractiveness of electronic payment software when talking about cooperation with other companies, which is a dead knot that is difficult to open.

I also tried, using incentives to attract customers, and it didn't take long to stop.

Musk found a desperate thing from the incentive promotion, that is, the incentive can only be downloaded by users, and the proportion of them who continue to use it after receiving the incentive is less than 10%.

In addition, it didn't take long for the incentive fund plan to burst, and for a while, the financial community was interested in Silicon Valley, a group of Internet companies, after getting financing, regardless of spending money indiscriminately, in the name of using financing to acquire customers, in fact, it is difficult to exert its value after acquiring customers.

Wall Street found that after Internet companies advertised, if they needed to spend an average of $20 per customer, the customers acquired for $20 could not even create a value of $2.

As a result, the incentive fund program was urgently halted by investors shortly after it began, and they thought it was meaningless.

When electronic payment was not yet popular, you still had a chance to play like this, and now that NewPay firmly occupies the top spot in electronic payment, you can play like this again.

If WeChat Pay hadn't found a way to connect social attributes and traditional Chinese customs, no matter how much money you burned, it wouldn't have the desired effect.

The average cost of user subsidies is much greater than that of WeChat Pay and Alipay, and the cost of individual customer acquisition is skyline.

The Federal Reserve raised interest rates six times from last year to this year, and the capital market dried up, and investors are still willing to let Musk burn money like this.

So sometimes it's also fate, NewPay occupies the right time and place, and later competitors want to burn money to compete with it, at least in the past two years, Wall Street capital is unwilling to pay this money.

In addition, NewPay looks extremely strong, backed by Zhou Xin, as well as two top investment banks and top banks. Not to mention that investors don't think that other electronic payment software can beat NewPay, and even Musk himself doesn't think that NewPay can beat NewPay.

Bill Gates said: "You're right, this is indeed an area that requires a lot of corporate influence, and it is very different from pure e-commerce.

This is more suitable for the approach taken by retail giants in traditional industries in the process of Internet transformation.

Newman, congratulations on finding a whole new way to e-commerce, but Amazon and eBay won't be happy.

Walmart has brought too much pressure to Amazon and eBay. ”

Bill Gates thought about it, but still planned to remind the other party: "eBay and Amazon need to rely on NewPay now, their own electronic payment software is not mature enough, and when their electronic payment software is mature enough in the future, it is very likely that NewPay will be removed from their payment channels." ”

Bill Gates can think of it, Zhou Xin has no ideals, and it is even difficult for him to imagine why Amazon did not use its own electronic payment, but always let PayPal occupy their electronic payment channels.

In other words, Taobao has long let PayPal roll how far and how far.

"I also have such concerns, which is why I will cooperate deeply with Wal-Mart, whether it is to provide a new business model to Wal-Mart, or to sell part of the shares to Wal-Mart.

Including Wal-Mart, which has made a round of private placement specifically for my investment institutions, it is expected to raise $500 million.

These are all part of the in-depth cooperation with Walmart, even if Amazon and eBay kick NewPay out, I still have offline channels like Walmart. ”

Private placement is a type of additional issuance of shares of listed companies. Shares are issued to a limited number of investors, and the issue price is determined by the auction of investors participating in the additional issue. Only one institution can participate in the private placement of U.S. stocks.

As a retail giant, Walmart is not short of money at all, and there is nothing to spend special money on, so when the private placement for Zhou Xin was reported to the Ameriken Securities and Exchange Commission, it was nominally to introduce strategic investors.

Wal-Mart also claimed to the outside world that Zhou Xin is a strategic partner of Wal-Mart, and Wal-Mart is not a strategic partner with NewPay, but with Newman. It further verifies the rumors in the capital market.

If it weren't for Zhou Xin's refusal, Walmart would have wanted Zhou Xin to take on a position similar to that of chief product manager.

Without waiting for Bill Gates to answer, Zhou Xin stared at the other party: "Bill, isn't there still Microsoft?" NewPay will cooperate with Xbox, and NewPay will also become a payment channel for Microsoft products to be sold online in the future, right?

Backed by Walmart and Microsoft, in the words of a Chinese proverb, it is called peace of mind. ”

Bill Gates gestured with his hands in front of his chest: "So you can cooperate deeply with Walmart, why can't you cooperate with Microsoft in depth?"

We have more base for cooperation, and Microsoft also wants to cross-share with NewPay. Not to mention our private friendship.

For example, enterprise QQ, you can cooperate with Microsoft, and we will do this together. Microsoft's MSN has a stronger presence in American.

Promoting in the early stage is far less troublesome than enterprise QQ. ”

Since Tencent landed in Silicon Valley in June of the millennium, first Zhouxin's companies, then Walmart, and then other traditional companies, more and more Americon companies have begun to use Enterprise QQ as an internal communication tool.

By the time Microsoft, Yahoo, AOL and other Silicon Valley Internet giants reacted, it was already October.

Microsoft launched the instant messaging software MSN last year, AOL acquired ICQ in '98, Yahoo has been thinking about launching instant messaging software internally, and they did make the instant messaging software - Yahoo Messenger later.

These companies have the ability and willingness to make enterprise instant messaging software.

Although in the strategy formulated by Zhou Xin and Pony, the development goal of the enterprise QQ is mainly traditional manufacturing, but it cannot stand the promotion of this thing in Riot Games, NewPay, and other Silicon Valley Internet star companies.

Employees of Riot Games and NewPay share this with their friends who work for other Internet companies.

Then there will be some companies that are thinking about purchasing.

In July, the enterprise QQ was officially launched on America, giving the enterprise QQ and Tencent a buffer time of only three months.

Within three months, these giants realized that enterprise instant messaging software had a lot to offer, and began to enter the market one after another.

The fastest action is MSN, MSN has always hoped to play the card is differentiation, we want to be the most understanding of the enterprise instant messaging software, replacing the mailbox as the main communication tool between workers and between the superiors and subordinates of the enterprise.

As a result, it was taken by a nobody like Tencent, and by the time the responsible department of Microsoft's internal MSN knew about the enterprise QQ, the enterprise QQ had already negotiated several large orders.

MSN obviously can't accept it, group building, file transfer, announcement, group file sharing, these functions are not difficult to develop, just copy it, who is afraid of whom.

Later, after MSN entered China, it also played the main business card, and had a fight with qq on the instant messaging soft battlefield. But MSN's transnational operations, the chaos of the management system is simply a disaster, and a good hand of cards is forced to be messed up because of management.

The marketing department and the R&D department had to report to two different bosses, and there was no person in charge of MSN in the Chinese market, and Microsoft Huaguo wanted to vigorously promote MSN, but the management in Seattle did not see it that way, they were facing a war between Google and AOL, and Huaguo's business accounted for only 2% of Microsoft's global business. Any MSN project greater than $500,000 needs to be reported in Microsoft's global system.

Such a system caused MSN to be vulnerable when competing with Huaguo and QQ, and Wang Bang started to play poorly.

Now it's different, now the war between QQ and MSN is in Silicon Valley, in the San Francisco Bay Area, in Ameriken.

When Internet companies began to notice the enterprise qq, Tencent did not hide it, and directly launched the signboard, we are Newman holding company, enterprise qq is a product designed by Newman.

Internet companies in Silicon Valley went to Riot Games and NewPay to inquire, and they were all using enterprise QQ, and then the Walmart supermarkets around them began to pull you into the group.

Wal-Mart's advertisements for attracting people into the group are flying all over the sky, and under each payment receipt is the group number of the local life group.

When a user who has shopped online goes to pick up the product offline, the Walmart clerk will also tell him: "Sir, after you join the group, we will send product discounts and new information on the product in the group every week."

We'll also send out some coupons through the group, which you can use the next time you pay for your next purchase through NewPay. ”

Walmart advertises on TV and magazines around its customer base and e-coupons.

Coupled with the news that Walmart and Zhou Xin have reached an in-depth cooperation, Internet companies in Silicon Valley believe that the company behind the enterprise QQ is controlled by Zhou Xin, and this whole set of gameplay is also very similar to Zhou Xin's style.

Zhouxin's product design is definitely not an isolated product, forming a cooperation in unexpected places and creating barriers for other Internet manufacturers.

Under the aura of Newman, many Internet companies choose to purchase enterprise QQ.

After the launch of MSN and Enterprise ICQ, Internet companies still prefer Enterprise QQ, which is an imported product from China, because of the Newman halo, and is considered so cool by Silicon Valley companies.

The cooperation between enterprise QQ, NewPay and Walmart is a complete set of linkage, MSN and ICQ want to find a retail giant similar to Walmart in a short period of time, even if they do, make this set of products, and then promote it online, it is not so quick to land.

If the group can not issue coupons, then its attraction to users is naturally weak, if the group can send coupons, but offline shopping obviously does not support NewPay payment, can only be online, which leads to the retailer must have an online shopping store.

If you want to build an online shopping store, you also need to update the information of shoppable goods in offline stores in real time, which has too high requirements for the informatization of traditional retailers.

Millennial Americon retailers have only figured out that this e-commerce system that has been more than a decade old is not so easy to handle.

With a model project like Walmart, other consumer brands will not even consider MSN and ICQ, and the consumer brands here are not only retail giants, but also luxury manufacturers, cosmetics manufacturers, home appliance supermarkets, and so on.

The market in which MSN and enterprise ICQs can expand is very narrow.

For Walmart's set of gameplay, after the launch of the user base and online coupons, MSN is very greedy, which is a long-term enterprise application service.

If you do a good job, you can benchmark an enterprise management software giant like SAP, and in 2000, SAP's annual revenue reached 6 billion euros.

It is not only Microsoft and AOL who are greedy for enterprise QQ, but also SAP, which has talked to Pony several times, expressing its hope to acquire Tencent, at least the business of enterprise QQ.

Zhou Xin pretended to be stupid: "Does Microsoft also have instant messaging software?" I didn't know that before. ”

Bill Gates was suspicious in his heart, and he didn't know whether Zhou Xin's words were true or false, and the communication between Zhou Xin and him was either email or phone, and he didn't use MSN to communicate.

What he suspects is that MSN is not only an instant messaging software, but also a large number of functions such as web portals and mailboxes, but anyone who uses the Windows operating system knows MSN.

Bill Gates really didn't know MSN that week: "Well, enterprise QQ is a very creative product, and we haven't been able to find a profit point for instant messaging software before.

Like MSN, Microsoft also uses it as part of Microsoft's overall software services, and has not thought that it can do some special features and sell them to enterprises. ”

Zhou Xin said: "I think there is a historical reason behind this, and sending emails at Ameriken has become a habit for everyone after entering the workplace.

Email is so commonplace, and how well it is written is as important as whether or not you can make a good impression on the other person, and email has become a culture in American.

There is such a communication method as e-mail, and there is naturally no need for another communication method in the internal management of the enterprise. ”

Zhou Xin said conservatively, and how well the email is written is even related to whether you can be promoted.

Bill Gates said: "No, this can't be a reason, if this can be a reason, then Huaguo should not also pay for Q&A, you know, Huaguo does not have the habit of paying for knowledge." ”

Zhou Xin can't refute the other party's secret accusations, and he can't say that it's because of Microsoft's connivance that Chinese users don't use genuine windows.

This is not a reason to put it on the surface.

Zhou Xin can only explain: "China's economy is still at a very backward level, we can't afford the price of Windows dozens of dollars at every turn, this is caused by the actual conditions, and when China joins the WTO, there will be more and more genuine Windows users after the economy catches up." ”

Bill Gates: "I'm not blaming Huaguo, I just found a random example, and I didn't specifically say the meaning of the Windows operating system."

I have been to China many times, and China has been making progress in the protection of intellectual property rights, but it is true that, as you said, due to objective conditions, it cannot be done in one step.

I've talked to Microsoft executives in China and there is a lack of awareness of paying for knowledge, and it's very difficult for you to make a product like Quora that pays for knowledge and do it so commercially.

That's why I said that the MSN team can't ignore the help of instant messaging for business management because of Americacan's well-developed email culture.

In fact, not all situations are suitable for email, and instant messaging software can be a great complement to email.

With mobile phones, any communication can be done over the phone, with a few words, and the information loss of face-to-face communication is minimal except for the phone.

Why do you need email?

There are many ways to communicate with people, and enterprise instant messaging can make up for the missing parts of email, such as multi-person communication.

E-mails can only be sent one-to-many, which is extremely inefficient, and web chat rooms or BBS are not rigorous enough, and group chats can solve this problem perfectly. ”

MSN copied the beta version of the enterprise MSN according to the enterprise QQ, and after it was launched within Microsoft, Bill Gates also tried it.

He believes that group chats are a great way to communicate, especially for multi-person projects.

Zhou Xin said: "Enterprise QQ is doing very well in China, and there are many corporate customers.

Before coming to America, the enterprise QQ has been in China for about half a year, and the enterprise customers in China have given high praise.

It is precisely because of the market verification that we came to Americacan.

But because of Americacan's email culture, we were worried about whether the product would be unsuitable for Americacan.

That's why I deliberately designed the enterprise QQ group to open to customers, as well as online shopping, offline pickup, electronic coupons, this whole set of mechanisms.

Even if QQ doesn't have a good reputation among other Americon companies and doesn't have the results we expected, it can at least bring value to consumer companies.

The results were not bad, and both Riot Games and NewPay employees reported a good experience with it.

Later, we were relieved to promote it in other companies. ”

Bill Gates laughs: "Newman will also have times when he is worried that his product will not be welcomed, and it is difficult to see you have such worries. ”

Zhou Xin said: "Because of the mandatory punch-in and read functions of the company's QQ, I am worried that employees will feel offended and their hidden benefits will be affected, so they can have arrived at the company at half past nine, but now they need to arrive at the company at nine after the mandatory clock-in."

Employees are negatively impacted while management is not aware of the benefits.

This is the contradiction of enterprise software, many times if it is not done well, employees complain, and management does not see value. ”

The reason why DingTalk was criticized in later generations is because of its existence, which seriously squeezed out the original time of workers.

There is no 955 in Huaguo, let alone 996, and at home after work, you can be @ at any time, and you can be called by the leader at any time, and you have to work as soon as the news comes, and there is no boundary between work and life.

DingTalk and WeChat are just accomplices in fueling this trend, in the era of mobile Internet, you say that you don't look at your phone, and the probability of the leader believing it is lower than if you say you didn't hear the phone.

WeChat and DingTalk simply don't give migrant workers a way to live.

Bill Gates said: "This is not only a problem faced by enterprise QQ, but also a common problem faced by many enterprise software. For example, human resources consulting, the transformation of the original salary system, to put it bluntly, is to reduce employee wages and save costs.

Employees need to put in more effort to get the original salary, and at the same time, it can not affect the overall benefit, can not affect the enthusiasm of all employees, and more output is needed after the salary reform. Human resources consulting firms survive by dancing on the tip of a knife.

There is no feeling for enterprise instant messaging software to this extent, and human resource consulting can live well when it touches the fundamental interests of employees. ”

Bill Gates continued: "But this time Walmart's online shopping system has made many people, including me, shine.

More and more people are realizing the power of NewPay.

There are two theories, one is that the electronic payment software itself is powerful, which can bring huge growth space for Internet companies, and the combination of traditional industries and electronic payment can find new space for online transformation. ”

This is brought by coupons, which revitalize the "dead" customers in Walmart's regional customer base.

Another way of saying it is that NewPay can exert so much power in the hands of Newman.

In other words, it is impossible for anyone in charge of NewPay to find so many areas of product innovation like Newman.

NewPay's value is much less than Newman's.

When I went on vacation to Europe, I heard them say that European retail companies are also pushing for the liberalization of electronic payments in Europe. They also want to do a business similar to online Walmart, and Carrefour wants to issue some shares to you at a 50% price and introduce you as their strategic investor. European entrepreneurs agree with the second statement.

However, I would like to give you a piece of advice, that is, the value of electronic payment software is really too great, and I suggest that you should change to a girlfriend.

If you find a white man or a Jew, it can go a long way in helping you avoid some unnecessary trouble.

This is a little advice I give you as a friend, not to let you break up with your current girlfriend, you can have a lot of girlfriends, and the girlfriend on the surface is better not Chinese. ”

Zhou Xin knew that Bill Gates finally said that this suggestion was really a bit heart-wrenching, and he thought to himself, it is estimated that he has been dealing with him for so many years, so the other party's suggestion.

The greater the value of NewPay, the more likely it is to usher in accusations similar to Microsoft's, that is, monopoly.

Monopoly is the best way to split NewPay on the surface.

Mr. Zhou is skeptical that finding a white girlfriend can fend off accusations of monopoly, but it can ward off some political risks.

"Bill, I'll take your suggestion seriously." Zhou Xin would not accept such a suggestion, because he knew that he would have to return to China in 08 at the latest, and he continued: "This is the invitation to the Matrix press conference on New Year's Day. ”

Since I moved, the network at home has been broken.,I don't know why.,I'm still using a mobile phone hotspot to send this chapter.。

(End of chapter)