Rebirth: I Want to Surf

How fierce was Yu'e Bao at that time?

Launched in June 2013, in the third quarter alone, the capital scale reached 55.7 billion yuan! By the end of the year, it had soared to 185.3 billion, and the number of users was 43.03 million!

Good guy, the entire financial circle + Internet circle were shocked.

Ever since, Tencent started to go to finance, JD.com also started to do it, and all platforms, large and small, started to do it.

JD.com is quite special. Its payment entered the game very late and did not catch up with the bonus period, but it caught up with the financial bonus. In 2014, it took the lead in launching "Jingdong Baitiao".

It has attracted peers to follow suit, and borrowing and Huabei have been born one after another... It is always said that this thing is ancient loan sharks, but it is actually a little different, the interest on loan sharks is so scary.

And when the Internet entered the financial field, the so-called Internet technology became a joke, lending money, cutting leeks, big factories lay in the gentle countryside and did not think about making progress, and few really developed technology.

This is another story.

Now, with Yao Yuan around, it is natural to avoid detours.

"Traditional financial management is for the minority, and the public does not have a corresponding economic foundation, but Internet finance is to turn the minority into the public and popularize the concept of financial management."

"We lower the threshold first, gather everyone's small money and turn it into big money, and then use the big money to deposit, invest, lend, etc. to obtain income.

So how to lower the threshold?

First, there is no limit on the amount, and even 1 yuan can manage money.

Second, don’t let them lose money, show the daily income clearly, let them watch their own decimal point increase, even if it increases by 10 cents a day, everyone will be happy.

In order to attract users in the early stage, the rate of return can be higher.

I'm just talking about it in general, the specific operation is very complicated, so I leave it to you. As long as this product is made, we will be at least one year ahead! "

He told the two about the idea of ​​[Ye Bao], and what they heard was stunned, excited, and uneasy.

Finance, this thing is too scary.

Liu Qiangdong was even worse, silent for a long time, and said: "We have to do finance, but I have two requirements."

"You speak!"

Chen Sheng said strongly.

"First, if we want to have a long-term business, we must endure hardships and do what people are unwilling to do. Second, if we can earn 100 yuan, 80 yuan is enough, and the other 20 yuan should not be earned."

Liu Qiangdong paused, and added: "Try not to earn!"

"..."

Chen Shengqiang understood what he meant and nodded vigorously: "I understand!"

"Heh, let me add one more..."

Seeing this, Yao Yuan said with a smile: "Internet finance is walking on a balance beam. A gust of wind may blow us down. If we want to be long-term and safe, we must expand the boundaries."

"How to expand finance?"

“Finance doesn’t sound good, it’s inherently guilty.

When encountering force majeure factors in the future, we can change the name and call it Fintech, and treat Fintech as a small part of the business, include it in a larger field, and integrate it with the group's AI technology and smart life, so that Very stalwart. "

He knows that Internet finance is the general trend, and he also knows that it will be beaten by the state and will be transformed in the future.

Hiss!

And Liu Qiangdong and Chen Shengqiang gasped at the duck's neck, saying that you, Commander Yao, are good at pointing out that a mouse is a duck and playing with concepts.

…………

The next day, the eighth day of the lunar new year.

Chen Shengqiang and Bai Yongxiang participated in a seminar on mobile payment standards held by the central bank.

Following Yao Yuan's instructions, the two acted stupid the whole time, did not express any position, just watched UnionPay and China Mobile spit, and even had a posture of fighting.

Banking industry, UnionPay, operators, third-party payment companies, chip manufacturers, mobile phone manufacturers, merchants... How many parties are involved in this industry chain, internal conflicts alone are difficult to coordinate.

After listening to it for a long time, the two also understood that no matter who wins in the end, it must still be a mess.

Take payment as an example, as long as they have payment qualifications, ICBC, China Merchants Bank, China Construction Bank, Alipay, Maimai, etc., they can all launch their own payment products.

And these products have to cooperate with the three major operators, which add up to dozens, which is complicated. How to divide the benefits? How to unify? Just thinking about it gives me a headache.

Also, what card is the payment function added to?

Banks hope to add it to SD cards, operators hope to add it to SIM cards, and mobile phone manufacturers hope to add it directly to mobile phones. This represents who can take the lead.

"..."

Anyway, at the end, Chen Shengqiang and Bai Yongxiang looked at each other and talked in a low voice: "Why do I feel unreliable?"

"Yeah, I've blown the hype about NFC mobile phones, but I don't see the slightest market potential."

"Isn't this thing just a multi-function card? It's so hard to promote credit cards in China, why do they think that they can succeed in another form?"

"President Yao said, we don't do near-field payments."

"I also told me that Mr. Yao still has the foresight."

The mobile payment standard has been researched for 2 years, and it should be confirmed this year. Not surprisingly, UnionPay will be used as the standard. Third parties and mobile phone manufacturers have no right to speak, otherwise they would not have waited until then to be called to the meeting.

Just to be a witness.

Chen Shengqiang and Bai Yongxiang see what this means, the results will definitely be clarified and officially announced in the first half of the year. Before the announcement, all parties were already making arrangements in advance, just like Yi Huiman consulted with Yao Yuan.

When the meeting ended, the two exchanged glances tacitly, and ran away. Unfortunately, their seats were at the back, and it took some distance to walk out.

Just this distance is enough for others to block the road.

"Oh, Boss Bai, congratulations on Meilan's big sale! How about having a meal as a reward?"

"This is Mr. Chen from Maiwo Financial, this is my business card!"

"Boss Bai! Boss Bai! My humble representative of Coolpad, this is a big deal, we manufacturers must unite..."

Unite with your grandma!

We don't do NFC, we are competitors!

It took Bai Yongxiang and Chen Shengqiang a lot of effort to break out from the crowd, and as soon as they ran out, they saw Yi Huiman. Yi Hui smiled and invited, "It's just noon, how about a light meal?"

"Well……"

Mr. Yao had something to say first, so the two had no choice but to socialize.

…………

At the same time, it was on the eighth day of the lunar new year.

The Meizu mobile phone was launched in the mall for the first time.

This time, we have a new trick, make an appointment first, and then rush to buy. When a user logs in to the mall, he can apply for a reservation code, and only with the reservation code can he participate in the snap-up.

By 12 noon, appointments are open.

The mall, which is already very mature, has been stuck for a long time. According to the background data, 50,000 people have received the reservation code in just one second after opening.

In 30 minutes, it reached an exaggerated 1 million!

Three days later, that number became 7.45 million!

In other words, there are at least 7.45 million people interested in purchasing Meilan. Although the number of reservations does not equal the actual sales, it is enough to attract the attention of all parties.

Especially at the critical moment when the mobile payment standard is about to be introduced, Meizu and Meizu are like two pieces of fat, being stared at.

(no more...)