Winning the new financial era

Chapter 224 Being Missed

After updating the app version and reopening the app, users of the Touronghui app found that there was a cartoon elephant on the home page.

The cartoon elephant also has a column to introduce what it is called "smart financial assistant".

Many users click on this elephant, and then they can get financial health checkups to evaluate their financial behaviors, such as stable risk appetite and whether the risk of overall position asset allocation is reasonable.

Finally, this smart financial assistant will also recommend investment plans based on the user's past investment preferences, all about fund matching.

For users who are evaluated as conservative, they recommend Lingqianbao, currency funds, and various short-term wealth management funds.

Growth users mainly recommend bond funds and mixed partial debt funds.

Radical users mainly recommend stock funds and mixed partial stock funds.

At the same time, an asset allocation histogram is also provided for each user.

For example: Monetary fund allocation 50%, bond fund allocation 30%, stock fund allocation 20%.

For some investment veterans, this function is a bit redundant and tasteless.

But for novices in financial management, it is much more convenient now, and many people follow the recommendations of financial assistants to diversify their investments.

In addition, there is another function on the page after clicking the elephant to enter, which is the "full asset perspective".

After a user authorized to enter, he saw all his assets, including the appraised value of the house, the appraised value of the vehicle, bank deposits, fund assets, P2P assets...

At the same time, you can also see debts, various consumer loan debts, credit card debts, mortgage debts, car loan debts...

Finally, the net asset data, monthly loan repayment data, cash flow data, monthly total income from financial management, and monthly total loan repayment data...

The more accounts and authorization items the user records in 365 Bookkeeping Manager and Kawang Credit Card Manager, the more accurate the report will be.

For users whose bookkeeping and authorization are not comprehensive enough, the smart financial assistant also gives tips.

Many users rushed to complete the data, and then saw a comprehensive personal asset report.

There are many users who may not remember their total assets and total liabilities, as well as net assets and monthly cash flow.

Now, Daxiang's financial assistant helped them figure it out.

Many people are preparing to share it on Moments to pretend to be a b, but they are afraid of exposing their personal wealth.

When they were struggling, they discovered another small function, asset hiding.

Click the little "eye" button, and all kinds of data on the asset report will be hidden immediately.

Some b kings are still not satisfied, the data has been hidden, how can they pretend to be b?
Then they discovered a thoughtful little function that can selectively hide a certain piece of data.

Therefore, some users hid all kinds of debts, only revealing "house appraisal 550 million, car appraisal 80, securities fund 200 million, P2P wealth management 100 million, insurance 20..."

Come on, a multi-millionaire was released, and it was assessed by Daxiang's financial assistant.

Then, this user posted a Moments and pretended to be a b, and looked at all kinds of flattering comments, and his vanity was instantly satisfied.

He actually wanted to say: He still has a mortgage of 380 million yuan, a car loan of 40 yuan, and he still owes the bank 100 million yuan...

This is actually Zhang Yida's bad taste. He thinks that it is necessary to meet the customized needs of some users to "show off their wealth".

However, this method of installation will not last long. Users who have installed the Touronghui APP and used the smart financial assistant service will soon understand the tricks.

……

"Mr. Zhang, our smart financial assistant, just two hours after its launch, the number of users who have used this service has exceeded 3000 million..."

Ren Yunfan, general manager of the data division, walked into Zhang Yida's office and reported to him.

Looking at Ren Yunfan with a happy face, Zhang Yida also nodded. He did a good job, and praised:

"Old Ren, this is the result of your good planning and the hard work of the engineers below. This time, give credit to all the technicians involved in the research and development, and ask the Finance Department to issue a batch of bonus packages later."

Ren Yunfan knows that this bonus package is cash plus options, which is very generous.He smiled and said, "Then thank Mr. Zhang for his kindness on behalf of the brothers below."

This smart financial assistant provides two services, financial health checkup and full asset perspective, using three technologies including cloud computing, big data, and AI.

In addition to the blockchain, it can be regarded as the integration of three of the four cutting-edge technologies of Ruixiang, which can be regarded as a technological crystallization of Ruixiang Group.

Zhang Yida is very clear about the difficulty of the development. He feels that the data business department has done a good job this time and deserves a lot of rewards.

At present, the highest salary in the company is the group of technical masters under Ren Yunfan. Of course, he has to win over, and Ruixiang's future is all pinned on those people.

After all, Ruixiang aspires to become a technology giant, not a lending giant...

"Follow up to observe and test more, and make up for any loopholes in time. Otherwise, the user's investment preference evaluation will be wrong, and it will be a big trouble." Zhang Yida ordered again.

"Okay, we'll pay more attention to it."

Ren Yunfan is also a cautious person, knowing Zhang Yida's worries.If a conservative user becomes aggressive in the evaluation, and then guides others to buy stock funds, and loses money and triggers user protests, then it will be a big embarrassment!
……

"Rui Shang launched a smart financial assistant, what do you think?" Jack Ma asked Pang Lei.

"Ruixiang's technological strength has grown, and it can no longer be regarded as an advertising company."

Jack Ma smiled, she knew what Pang Lei meant by "advertising company".

Ruixiang's main income has always been the seven major financial supermarkets, so I call them "advertising companies".

"Yes! They have accumulated some experience in AI, big data, and cloud computing. We can't underestimate them anymore.

You see, in addition to mobile payment, they are now also making efforts in wealth management and technical services.

I heard that their loan and Yongbai monthly loans have also exceeded 20 billion yuan.

Their various business lines are highly overlapped with our Leech Financial Services.Apart from Tenpay, Ruixiang is the second biggest concern of Leech Financial Services. "

When Jack Ma talked about Ruixiang, he also sighed.If you don't pay attention, the other party will grow to this point.

If I knew this earlier, if the acquisition failed at that time, I should have tried my best to suffocate the other party in my infancy.

Pang Lei saw what Jack Ma was thinking, and shook her head and said: "From the moment Penguin became a shareholder, it will not be easy to defeat them. Now that there are four big banks backing him, we can only play the game. "

Jack Ma glanced at Pang Lei and said with a smile, "What are you thinking? Am I that kind of person? I always use clever tricks to defeat my opponent."

Pang Lei nodded, and said again: "Then Mr. Ma, tell me, what should we do now?"

Jack Ma let out a long sigh, and said, "The most important thing is mobile payment. If you cut off Rui Xiang's tentacle, they'll be the fish in the urn."

"Continue to fight the subsidy war?" Pang Lei asked tentatively.

"Yes, we have to keep fighting. If Mobao Pay's market share continues to expand, the threat to Leech Financial Services will be even greater.

Even if we can't defeat them, we can no longer increase their market share. "

Jack Ma is also quite a headache, and it is already very difficult to restrain Ruixiang's development.Mobile payment subsidies are also a trick to kill eight hundred enemies and hurt one thousand.

Because Alipay has a larger market share, it also loses more in subsidies.

"Our Alipay market share has dropped a lot in 15, most of it was taken away by WeChat Pay, and a small part was also taken away by Mobao Pay.

However, with Ahri's e-commerce business as the basic market, the share in the future should be stable. "

When Pang Lei talked about the decline in the payment market share, she also expressed regret.

"I heard that your husband and Zhang Yida have cooperated on an e-commerce project?"

Jack Ma's words made Pang Lei's face a little unnatural, and she said with a straight face: "I don't know about him, we both live our own lives now."

"Hey, it's normal for the couple to quarrel. The old grandson is still very good. Letting him go back then was a last resort."

Pang Lei interrupted Jack Ma and said, "President Ma, don't say any more, I understand everything."

Jack Ma has a thick skin, knowing that he is embarrassed, but continues to talk about Sun Yutong.

"Old Sun has complaints about me, and I understand. He and Zhang Yida are working on an e-commerce project, so he doesn't want to overthrow Ahli, does he?"

Pang Lei knew that this topic could not be avoided, so she said, "He is arrogant. If Pinduoduo is exhausted, he will be a unicorn. There are so few SKU categories, who will go to buy things on it?"

"Haha!" Jack Ma was very satisfied with Pang Lei's attitude, and said, "It should be Zhang Yida who wants to shake Ahli's foundation through e-commerce. This kid is against me everywhere.

Finance, e-commerce, and shared bicycles. "

Speaking of this, Jack Ma sighed again, and said: "Shared bicycles should not be able to beat him. It is too late to enter the market. If we invest in it, we can only pay for it ourselves. Venture capital institutions have basically given up on sharing bicycles. Race track."

"Who says it's not! There are 700 million bicycles in Huimin, and we only have hundreds of thousands of bicycles.

If you want to fight with them, you have to spend at least another 100 billion. "

Pang Lei shook her head again and said, "In my opinion, it's not worth it."

"I asked you to talk to Chen Wei, how did the talk go?" Jack Ma asked.

Pang Lei's face was not very good-looking, and she said, "Chen Wei said to think about it again."

"It's been a few months? Still thinking about it? He just wants to refuse, but he can't hold back his face.

Now he has the support of his father Penguin, so he is very confident! "

Jack Ma's tone, from Pang Lei's ears, should also be very dissatisfied with Chen Wei.

"He is now an opponent of Uber. He has a lot of capital in his hand, and he is backed by Ahri and Penguin. Against Uber, which is not deeply rooted in China, it will be a matter of time before he wins.

The wings are hardened, and I feel that I have the strength to get rid of the giants, and I will definitely not be as obedient as before! "

Pang Lei has been angered by Chen Wei recently, and is going to give him some eye drops.

"Hehe! Short-sighted. I don't even know that there are so many taxi-hailing apps, so how could he be the only one?
There is no hero at the time, making Shuzi famous! "

Jack Ma commented coldly, and said:

"The hegemony of shared bicycles has almost stabilized, and the only hope is to merge everyone to form a volume that can compete with Huimin in the shortest possible time.

If this step is done well, a steady stream of venture capital ammunition will follow.

He can't even see this step, and he will be a housekeeper in the future. "

"Then shall we continue to promote Yong'an Bank's merger and acquisition?" Pang Lei asked.

"Why not? But only a small part of the cash can be paid out, and most of them have to be exchanged for shares.

All-cash mergers and acquisitions are too risky and the sunk costs are too high.

If Yongan Xing rises in the future, we will pay to wash out other bicycle shareholders. "

Jack Ma's idea is very good, and the risk is well controlled.

Pang Lei agreed very much, nodded and said, "Okay, then let's merge hellobike first! Let's do it in the way you said of a small amount of "cash + large amount of stock exchange"!"

(End of this chapter)