Rebirth Starts From 2006

When it comes to Tenpay, many people may not know much about it.

Because compared to the old enemy Alipay, Tenpay, as the core of online finance under Goose Factory, exists in the form of a platform and is not well known to the public.

What does platform mean?

Everyone doesn’t know about Tenpay, but everyone must have heard of a product that uses Tenpay, that is,

WeChat Pay!

Like Kuakou Wallet, WeChat Pay is also an online payment product built on the Tenpay platform.

Except for these two, all game recharge ports under Goose Factory, including Qidian and these Yuewen recharge ports, are provided by Tenpay.

To put it in a more understandable way,

In essence, WeChat is a front-end channel, the back-end business is through Tenpay, and it is Tenpay that completes the payment transfer.

In other words, WeChat completes business scenarios, and the background processing applications such as payment transfer systems are Tenpay!

Therefore, in a sense, Tenpay is the Alipay of Goose Factory!

However, the positioning of the two is different, resulting in a huge difference in public awareness of the two.

Ahri directly built Alipay into a product, and all the additional functions were installed into this product.

Payment, storage, financial management, bill payment, and of course online loans,

So it looks very cumbersome and bloated, like a grocery store with everything in it.

But it also deepens the impression of users and makes people know that Alipay is not only a payment software, but also a comprehensive financial tool. When users need it, they will naturally open it.

Tenpay is different. It is just a platform. If you want to use it, you also need a front-end tool.

In QQ, he is QQ wallet,

On WeChat, it becomes WeChat Pay.

Clearly distinguish between front-end and back-end,

Whatever payment product you want, you can create it yourself, and then connect the data with Tenpay to realize the transfer payment of accounts.

The advantage of this is that the product function is as simple as possible, looks fresh and clear, and does not have so many eye-catching things, which improves the user experience.

But the shortcomings are equally obvious,

The most significant shortcoming is that users in these usage scenarios cannot be interconnected so that their resources can be utilized by each other.

You may have a Kuakou wallet or a WeChat Pay account, but you don’t know that these two are actually from the same family!

In this way, it is naturally impossible to achieve the effect of maximizing resources.

Otherwise, the later WeBank would not have to advertise so hard. Just like Huabei, it would just add a port to the product and be done with it!

Moreover, although Tenpay already ranks second in market share, compared with the eldest Alipay, its popularity and market share are too low, and they are simply not on the same level.

This is similar to some Internet companies that were once prominent but then gradually disappeared from the public eye.

Disappearing from public view is not that their company has really disappeared, but that they have moved their business from the front-end to the back-end to do more upstream sectors.

It cannot be said that their choice was wrong.

Maybe they make less money and their reputation is not high enough, but correspondingly, their ability to resist risks is stronger, and their business foundation is more solid, which can support them to go further.

But as far as the shopping mall is concerned, if you lose your enterprising spirit, you can only live on your laurels and never hope to become the number one in the industry.

It has to be said that this is one of the reasons why Tenpay has long occupied the second position in the field of online payment!

Of course, that will be later,

Now,

Alipay is still the boss, and Tenpay is still the second largest player.

But no matter who is the boss or the second child, they are all trying to survive on the edge of gray.

If you don't get the license, you won't be able to change your job.

The first domestic online payment license will not be officially issued until three years later.

But who can be sure about what will happen in three years? !

So, Xiao Ma actually has good intentions. He dares to use it to fool Boss Chen in a company that may be banned one day? !

But it happened to be just such a company that Boss Chen fell in love with!

Seeing that Xiao Ma's expression didn't look fake, Chen Yang immediately raised his head, laughed and said,

"Mr. Ma, to be honest, Tenpay is our number one target, and its importance is even higher than that of Goose Factory!"

"oh,"

Xiao Ma looked at him puzzled, "Why is this?"

Isn't it just an online payment? Is it so important?

Chen Yang looked at him and smiled, "Mr. Ma, do you know that we have so many companies, what is the core business fundamentals?"

Xiao Ma was about to talk about Damai's correspondence, but he swallowed the words again, then his expression moved slightly, he thought for a moment and said, "Finance?"

Chen Yang nodded, "Yes, it's finance!"

After receiving a positive answer, Xiao Ma's face softened slightly, looked at him thoughtfully and said,

"Then, what Mr. Chen means is that Rainbow Group plans to enter the personal financial market and expand its business to the Internet field, and the springboard you are looking for is Tenpay?!"

Everyone knows that Boss Chen’s first pot of gold was working as a real estate agency, but he really relied on barley. Therefore, many people think that barley is Boss Chen’s basic base.

But people like Mr. Ma know very well that although Barley is very important in Boss Chen’s career map, it is not irreplaceable.

At least above Damai, there is Honggu Capital, and alongside Honggu Capital, there is Rainbow Fund, which specializes in making money in the financial market.

A rainbow valley and a rainbow form the two poles of the Rainbow Group.

Through Damai and Chuangfuture, Rainbow Group controls hundreds of other companies.

Nowadays, people in the circle are speculating whether Chen Yang was attracted by Caihong and invested in DaMai, or was it Chen Yang who took advantage of DaMai's huge cash flow to backhand CaiHong? !

No matter which one it is, at least one thing is certain, that is, the person who can call the shots in the Rainbow Department now is definitely Chen Yang!

Otherwise, the three giants would respect Chen Yang wherever they go.

In this way, it is natural to know what Chen Yang’s business fundamentals are.

It is understandable why he wants Tenpay.

Looking at Xiao Ma, Chen Yang nodded and said seriously,

“No matter which direction Rainbow develops, these six major sectors: banking, insurance, securities, credit, trust, and funds, will all face a problem: how to build branch terminals in front of consumers.

Like major banks, they build branches one after another, which is time-consuming and labor-intensive, and is a waste of manpower and financial resources.

We often think of ourselves as Internet people, and Internet people must have Internet ways of doing things.

Using a piece of software to directly connect consumers with companies is the most efficient way to meet our actual needs! "

"I understand, but,"

Xiao Ma frowned slightly and said with a puzzled face, "Currently, neither the central bank nor the China Banking Regulatory Commission has issued a clear policy regarding Internet finance. It's hard to say what the future will be like.

What if soon, these online payment tools, including Tenpay, are included or even banned?

In addition, the technical development of this kind of online payment platform is not too difficult. When the future is unclear, why don’t you develop your own software to minimize the cost?

Why bother investing in our Tenpay? ! "

This is just like investing in Internet companies ten years ago. There are no policies from above, there is no market from below, and the future is bleak.

Xiaoma knows this most deeply. At that time, it was really difficult to get even a penny in, because if you weren't careful, the company would be gone, and naturally no one would invest money.

If Chen Yang wanted to bet on the future, he could make another software by himself. With Damai's strength, it would be easy to do this. There is no need to invest in his Tenpay.

After hearing this, Chen Yang smiled and said, "I'm not worried about the future. From a general perspective, it must be to gradually expand opening up. After all, no one wants to go back to the past.

Especially in the financial field, after more than ten years, foreign capital will fully enter. If even our own private capital is blocked, how will we deal with those foreign capital predators? "

Xiao Ma narrowed his eyes and nodded slightly. These words were consistent with his judgment.

Chen Yang continued, "Besides, there is no 100% insurance when investing. If you don't take some risks, where will the profits come from?!

As for why you don’t do it yourself, of course there are very important reasons,”

He shook his hands and said, "For a piece of software, technology is important, but more importantly, it is the application scenarios. There are only two companies in China that have online payment application scenarios.

One is Ali, an e-commerce company, and the other is Gouchang, a social networking and gaming company.

It's either this or that, since we have a broad basis for cooperation, why should I go looking for Ah Li's old horse instead of looking far away? "

His words obviously had another meaning.

If you, Xiao Ma, don't agree, then I'm sorry, I can only go to Comrade Lao Ma. As for whether Tenpay, like you, can still have a place in the market, just wish you luck!

Xiao Ma is also a veteran, so he naturally understands this meaning, and he doesn't care.

It's just like this in the business world. If you don't cooperate, of course I have to find someone else. It's impossible to hang myself from a tree. If it were him, he would definitely make the same choice.

Tapping his fingers lightly on the table, Xiao Ma squinted his eyes and lowered his head in thought, obviously weighing the pros and cons.

Chen Yang wasn't in a hurry. Anyway, he had already let the words out and it was up to him to see if the opponent would pick up the move.

To be honest, if this kind of online financial tool was not too restricted by application scenarios, he would have planned to make a payment tool himself.

As Xiao Ma said, this thing is not difficult, and there is no supervision now. As long as you have a place to use it, you can do it casually.

But the problem lies in 'there is a place to use it',

Different from the so-called online financial tools of later generations that focus on credit, this kind of online payment tool requires a payment scenario.

The most suitable tool for this kind of tool must undoubtedly be e-commerce. This is also the main reason why Alipay has been able to occupy the top spot in the domestic online payment market for a long time.

No matter how bad it is, it can also be used to recharge and withdraw money, so games and social networks are very suitable for this tool.

What else could there be?

Not to mention offline payment, current technology cannot meet this condition.

This is also the main reason why online payment licenses suddenly fell to the bottom after being popular for several years.

There is no application scenario. If you spend more than one billion to buy a license, it will be of no use. !

If you really need online payment, you might as well pay the Alipay or Tenpay payment points and use other channels directly.

Therefore, Boss Chen had no choice but to invest in Alipay with Alipay or find Xiaoma to invest in Tenpay.

After a moment, Xiao Ma suddenly raised his head and said seriously,

"Mr. Chen, since Tenpay is so important to you, then what you want shouldn't be just a few shares, right?!"

After talking so much, this is the key point. If Chen Yang didn't want a lot of shares, he could agree now, but it's obvious that Boss Chen doesn't want just a little bit.

Chen Yang nodded without hesitation and slapped his hand, "At least fifty percent!"

really,

Xiao Ma's lips twitched slightly, what's the difference between that and a direct acquisition? !

He couldn't help but feel sad, "If we don't agree, you go to Ahri. Can they agree to your acquisition proposal?"

Show the impossible!

Chen Yang was not in a hurry and said with a smile, "To be honest, I really don't want to go to them. When I go to find them, it won't be about acquiring Alipay.

Based on Ali's current total market value, I will directly launch a mandatory tender offer to the Hong Kong Stock Exchange. I want to see if they want the company to change owners, or they are willing to give up half of Alipay's shares! "

Upon hearing this, Xiao Ma couldn't help but shudder.

This move is too cruel. With the amount of funds of Rainbow Group, once it acts as a black knight, I am afraid that no friendly party will be willing to act as a white knight.

In M\u0026A transactions, hunter companies that maliciously acquire prey companies are called black knights, symbolizing destruction and death.

Friendly companies that protect prey companies from hostile takeovers through bidding wars are called white knights, representing hope and rebirth.

With the global financial crisis raging in front of us, who dares to risk offending a giant to act as this white knight?

I'm afraid there isn't one!

Of course, Xiao Ma is not worried about Lao Ma. He is not that holy yet.

The main reason is fear. What if Boss Chen thinks that a sheep is being herded, a group of sheep is being herded, he is chasing rabbits, and he also takes over the goose factory? !

Although Honggu Capital has had a good reputation in the industry for a long time, who dares to place hope on the conscience of its opponents? !

What if they are going to be cruel this time?

No one can guarantee it!

At this moment, Chen Yang suddenly laughed and said,

"Mr. Ma, I think this is actually a matter of mutual benefit.

In your hands, Tenpay is just an online payment platform, and its value may be only one.

But if we give it to Caihong, we transform it into a financial product, and then combine the users of Goose Factory with Caihong’s financial information to achieve ten times or even a hundred times the effect.

We can even apply this product to all e-commerce platforms except Ali, including Jingdong, and all other places where online payment can be used, such as Damai Games, Anjia.com, etc. wait,

Its value can reach one thousand, or even ten thousand,

At that time, the Goose Factory not only had no losses, but also made huge profits hundreds or even thousands of times. Why not? ! "

Don’t think that 10,000 times is impossible. In the past, Alipay was only worth 100 or 200 million.

More than ten years later, Ant Financial's valuation has directly reached one trillion. Once it is successfully listed, there is no doubt that it will become another trillion-dollar giant, and its value will increase ten thousand times!