Reborn as an Internet cafe owner, lie down and enjoy life!

Hearing Jiang He talk about shares, Deng Che's heart trembled.

Since the beginning of comprehensive cooperation with ICBC, the promotion plan of WeChat wallet has been ridiculously fast.

From the beginning of only one bank pilot in Feicheng, to the national provincial capital and megacity pilot.

In the past few months, the cooperation with ICBC has not stopped.

There is no city limit on the scope of the pilot, and most ICBC outlets across the country can basically apply for exclusive bank cards for WeChat wallets.

The reason why ICBC is willing to start large-scale cooperation with Star Pulse is also very simple.

When

I first started working with ICBC, the funds in ICBC's account were only 100 million.

Although this 100 million is a lot, relying on Deng Che's connections in the ICBC system, he reluctantly made the leadership of ICBC agree to the cooperation of the pilot.

With the development of this year, the number of users of WeChat wallet has increased, and the number of registered users has exceeded 30 million in just one year.

And these tens of millions of registered users, the funds represented naturally need not be said.

The amount deposited by Xingmai in the ICBC account has reached 2 billion.

A deposit of 2 billion yuan is actually nothing for ICBC.

But after all, this is just the beginning, and as netizens trust online payments more and more, this number will naturally rise.

After this year's cooperation, plus Deng Che often went to the capital to communicate.

ICBC's management is no longer as cautious about online payments as it was at the beginning.

Such a rapid growth momentum has aroused the curiosity of ICBC's management.

As far as Deng Che knows, ICBC has proposed to take the initiative to deploy online payment business.

Instead of working with a third party like WeChat Wallet.

However, the risk of online payment is still too great, and banks are naturally cautious about risks.

Even if these leaders really have intentions, they can't just rush into the game.

If something goes wrong, they will be held responsible.

So at present, ICBC has a lot of interest in online payment.

However, it only chose to increase cooperation with WeChat Wallet, directly opened all bank branches, and users no longer have the same restrictions as before to apply for exclusive bank cards.

He even took the initiative to invite Sheng Pay to join him.

The purpose is to let third parties such as WeChat wallet and Shengpay expose potential problems as much as possible.

After all the problems are solved, ICBC will enter the market in an official capacity.

Although ICBC has their own careful thinking, for third parties such as WeChat wallet.

It is indeed a very good development opportunity.

Just after ICBC released the pilot, in just one month, the number of users who chose to apply and bind exclusive bank cards increased by 200,000.

This figure is basically equivalent to the accumulation of the previous half year, and the effect can be described as immediate.

In addition, Deng Che has been in contact with CMB for a long time, and CMB's WeChat wallet exclusive credit card was launched this month.

I believe that it will not be long before WeChat wallet can get rid of the gray channel of Internet café recharge and withdrawal, and completely wash it ashore.

Although the Internet café channel is indeed very convenient, even in some counties, you can find Internet cafes with recharge.

But the stakes involved are simply too great.

In order to suppress risks, Deng Che has made a lot of restrictions on Internet café channels.

It's good to recharge, you only need the cooperation of the Internet café owner.

But withdrawal is more troublesome, Internet cafes need to pass strict reviews to become withdrawal Internet cafes.

If users want to withdraw, not only do they need to keep a photo holding their ID card for each withdrawal, but also have a 0.2% handling fee.

There is even a withdrawal limit, which can only be withdrawn up to 5,000 yuan on the same day.

Due to these troublesome restrictions, many Internet cafes have chosen to abandon the business of supporting withdrawals.

After more than half a year of development, the number of withdrawal Internet cafes has not increased.

On the contrary, it has shrunk from nearly 400 to more than 300 now.

However, this was a situation that Deng Che deliberately saw.

In the end, the Internet café channel will only be left with the recharge business, and then completely abandon the withdrawal business.

After all, the risk of withdrawing money from Internet cafes is too great.

If it is really used by criminals, it will have a great impact on the development of the company.

Since Deng Che took office, he has been thinking about how to get rid of his dependence on Internet café channels.

When there was no bank access, he could tolerate it.

Now, as his cooperation with the bank deepens, he can't wait to make a change.

Internet café withdrawals exist for one day, which is an additional risk for the company.

However, the banking side has made rapid progress, and I believe it will not be long before the change can be completed.

And now it has basically been completed, the task that Jiang He explained at the beginning.

Let one of the big four banks agree to connect WeChat Wallet to the banking system.

There is even this windfall.

At this time, Deng Che was also qualified to consider the 2% shares that Jiang He had promised at the beginning.

However, when it came to shares, Deng Che fell into a tangle again.

The reason is that at this moment, Deng Che really understands the value of WeChat wallet.

Originally, when he just took over the Star Pulse, Deng Che's understanding of online payment was actually stuck in the Internet supplement of the banking industry.

If you can rely on a large user base and provide some financial services such as credit cards, there will indeed be great market potential.

Relying on his experience in the financial industry, there is absolutely no big problem in achieving a scale of tens of billions.

The 2% stake that Jiang He promised is a return of about 200 million to 500 million yuan for him.

That's a lot of money, but he thinks it's worth it.

But when the number of users of WeChat wallet is now up, the cooperation with ICBC has also been reached.

Deng Che also had a new understanding of Internet finance, and it was only at this time that he suddenly discovered that he had greatly underestimated the potential of WeChat wallet.

With

the blessing of WeChat traffic, as long as the layout of financial business, tens of billions is only the starting point of WeChat wallet.

For this product, hundreds of billions is only a matter of time.

Even if it was really unbelievable, Deng Che had to get tangled up in the conclusion he had speculated.

If there were only two or three hundred billion, Deng Che would be able to accept this 2% of the shares.

But to the scale of hundreds of billions, even if it is only 2%, it is a start of billions.

Deng Che was pretentious, but not to the point of being so shameless.

He did help WeChat wallet access the ICBC system, but even without him Deng Che, is it also an opportunity for CMB to be different?

What's more, although Jiang He promised 2% of the shares.

But there was no contract between the two, and if Jiang He repented, Deng Che would have nothing to do.

After all, the salary that Jiang He promised entered his account without a penny.

Thinking of this, Deng Che hurriedly spoke:

"Regarding the shares, Jiang Dong, you don't need to worry, although you have already started a comprehensive cooperation with ICBC.

But in essence, it is still in the pilot stage, and ICBC can terminate its cooperation with us at any time, and it is never too late to wait until everything is settled. "

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