Winning the new financial era

Chapter 253 Subsidies Cannot Be Stopped

"Leech Financial Services also followed suit this year and we launched the New Year's "Fortune Paper", and the bonus pool is as high as 5 million yuan. It seems that it is aimed at us."

Lin Zhenyang walked into Zhang Yida's office with a document, and began to complain about Leech Financial Services as soon as he came in.

After Lin Zhenyang got married, he matured a lot.He also followed the fashion and grew a beard. The beard left the shape of a word from the upper lip to the chin, and it was well groomed, giving him the look of a middle-aged uncle.

Zhang Yida usually delegates the management of the company's specific details to him. Only when major issues arise, Zhang Yida will intervene.

However, Lin Zhenyang is not a person with a monopoly on power, and he will discuss with Zhang Yida any matter that he cannot control or involves the mobilization of large funds and resources.

"Fortune paper?" Zhang Yida smiled, the inertia of history is really great, they snatched the Fuka from Leech Gold Clothes, and they rolled out a "fortune paper" in a blink of an eye.

"Their bonus pool is 5 million yuan?" Zhang Yida shook his head, "It's really a big dog. It has earned more than 40 billion yuan this year, and its pockets are swollen!"

"Who says it's not?" Lin Zhenyang also complained, "If they do this, our 2.16 million prize pool this year will not be so attractive."

"Say, do you want to temporarily adjust the bonus pool?" Lin Zhenyang suggested.

"How to adjust? Add money?" Zhang Yida asked.

Lin Zhenyang raised his index finger and gestured: "They are 5 million, we will make 6 million."

"No need!" Zhang Yida shook his head, "They have launched this activity, even if we increase the bonus to 6 million, users will still participate in both activities."

"Even if our bonus is less, only 2.16 million, users will not miss it, so there is no need for us to fight to the death with Leech Financial Services."

Lin Zhenyang smiled again and said: "That's fine! It's true, let them be proud for a few days!"

"Another interesting thing is that Leech Financial Services wanted to engage in social networking, and used this lucky paper activity to steal WeChat user relationship chains, which was blocked by Penguin."

Lin Zhenyang talked about it enthusiastically: "In order to integrate the relationship chain, Alipay has set up a viral game for the "lucky paper" red envelope. As long as you add 10 Alipay friends, you can get 3 blessings. Paper, and friends can give blessing paper to each other.

In order to exchange blessings with more friends, many users share their "Zhi password" to Moments or WeChat groups. As long as the other party copies the "Zhi password", they can automatically add friends after opening the payment shell.

I heard that this password is swiped on WeChat, and they are all sharing it. They all want to collect all 5 lucky papers.

Then, Penguin made a move and blocked the "squeaky password". "

"This is digging out the roots of other penguins, can Ponima help?" Zhang Yida commented with a smile.

"However, Penguin has never given up on e-commerce, and Ali has always had a "social dream".

It's perfectly normal for the two of them to fight.

Just say, how many "spokesman wars" have they fought in the era of mobile Internet.Didi and Kuaidi, Meituan and Dianping, Huimin and Hello..."

Zhang Yida complained a bit, then muttered to himself: "If there is a suitable opportunity, I would also like to socialize."

"You can tell me this kind of thing." Lin Zhenyang sighed, "Don't be heard by the Penguin people, we can't turn against them now."

"I know it." Zhang Yida nodded, "However, I really have this idea."

"We don't have social genes?" Lin Zhenyang hesitated for a long time before spit out this sentence.

"Damn, bullshit social genes, this sentence is the same as "divine right of kings", the rulers are brainwashed."

This metaphor is quite vivid, and Lin Zhenyang asked again: "Then tell me, what advantages do we have in socializing?"

"You forgot our university alliance?" Zhang Yida reminded.

"You mean, start from school?" Lin Zhenyang became interested and asked.

"Yes, the college alliance helped us promote the business, and it's almost done. I'm wondering if it will be changed into a college student app that integrates campus dating, recruitment, and other campus services?"

Lin Zhenyang patted his thigh and said: "Your idea is good, why didn't I think of it? There are also 3000 to 6000 million college students. After a few years of development, and counting the graduates every year, it is not difficult to count [-] to [-] million. .”

"If we do this, will it arouse the hatred of the penguins?"

Lin Zhenyang was a little worried. Ari hated Ruixiang so much now. If he turned against Penguin again, even though China was big, there would be no place for Ruixiang to gain a foothold!
"If we insist on only doing vertical subdivisions of campus social, we will not be able to shake the foundation of Penguin.

But what do penguins think?The situation is hard to say.

Ruixiang is still inseparable from the diversion of Penguin. Pinduoduo and Doushi have not yet grown up. When they grow up, they can grab more users and use them for a long time. Maybe they are not afraid to turn against Penguin. "

"Let's take this matter slowly! Socializing is the foundation of penguins. If you want to dig his ancestral grave, can he not be in a hurry with you?"

Lin Zhenyang felt that the matter of socializing on campus had to be considered in the long run. If he acted recklessly, it might not be worthwhile if the platform didn't start up and the penguin would be pissed off.

Zhang Yida said: "I just shared this matter with you, and I didn't tell anyone else. It's true that we can't get on the horse in a hurry, and we need Shakeshi to help us do it.

The current vibrato is still far from the vibrato in my mind. "

"No way, Tiktok is already very popular, okay?" Lin Zhenyang asked again, "What do you think of Tiktok? I think many people are using this addictive app now."

"DAU breaks 4 million, domestic!"

Lin Zhenyang scratched his hair and said, "Your goal is too big. The current DAU of Touronghui has not broken 2 million?"

But when he saw Zhang Yida's calm expression, he quickly praised him again: "However, I think it's still possible. My silly wife plays vibrato for several hours a day, holding her phone and laughing nonchalantly all the time.

If Douvision continues in this state, there will be absolutely nothing wrong with 4 million DAU. "

"Okay! Just watch!" Zhang Yida knew that Lin Zhenyang didn't believe it, so he only said polite words.

Except for myself, no one else including Zhang Lan would have thought of the popularity of DouTV in the next few years.

"Oh, by the way, we didn't renew our contract with CCTV Spring Festival Gala this year, and Leech Financial Services won the red envelope to interact and cooperate with them."

When Lin Zhenyang talked about this, he looked unwilling.

"It is impossible to be occupied by us all the time. We have already cooperated with the Spring Festival Gala once, and if we cooperate again, the effect will decline.

The landlord's family has no more food left, and the efficiency of distributing coins is not really stupid. "

Lin Zhenyang smiled and said, "You're talking like a tongue twister. I know that the effect of cooperation will decrease again, but it's a little uncomfortable to see Leech Golden Clothes being so popular this year."

"Then we have to turn unhappiness into strength. Leech Financial is still ahead of us by so much. We are the chasers, and we cannot underestimate others."

Zhang Yida's tone was a bit heavy, he felt that Lin Zhenyang was a little bit of a loser, you, the third in the industry, dare to look down on the boss, there is something wrong with your mentality!
Lin Zhenyang also put away his hippie smile, and said seriously:

"Penguin also launched the Spring Festival theme marketing campaign of "Smart Payment with Golden Happiness". At the same time, it cooperated with offline stores to send out cash red envelopes and 5000 million WeChat Fujin. Fujin includes WeChat payment vouchers up to 188 yuan, movie coupons and phone charges. coupon.

In addition, it is reported that 30 offline stores, including the top ten cities in the country, will join hands with WeChat Pay to jointly launch activities such as "grabbing red envelopes", "shaking fortune gold", and "nuggets for all", covering transportation, catering, Clothing, supermarkets and other industries. "

"It's menacing!" Zhang Yida sighed with emotion, then turned his head and asked Lin Zhenyang, "What plan did we come up with?"

"We sold the advertising space on the back of the Wufufu card to P&G, Coca-Cola and other companies. We didn't keep a cent of the tens of millions of advertising fees we got, and filled them all into the cash red envelope pool on New Year's Eve;
In addition, we have also placed offline advertisements of Mobao Pay in bus stations, train stations, airports and other places with dense crowds during the Spring Festival travel rush. Scan the QR code to send payment discount red envelopes;
Online, a large number of Internet companies including Huimin Bicycle, Patenet, and Meituan sponsored vouchers and coupons for us.

During the Spring Festival, after paying with Mobao, a scratch page will appear, and users have the opportunity to win cash or vouchers and coupons provided by various Internet companies.

The above are subsidies for C-end consumers.

For B-end merchants, we have carefully selected 100 million merchants with excellent past cooperation performance from tens of millions of cooperative merchants, and provided them with "encouragement money" subsidies.

Every time a user spends more than 2 yuan at the merchant using Mobao Payment, the merchant can get an incentive ranging from a few cents to a few yuan..."

After Zhang Yida heard this, he frowned. The C-side also needs to be subsidized, and the B-side also needs to be subsidized. The mine at home can't support it.

There are four main incomes from mobile payment: interest on accumulated funds; service income including access fees, technical service fees, and transaction commissions; income from wealth management products such as change treasure and balance treasure; information income such as mining user transaction information, analyzing consumer behavior, and realizing Precision marketing.

At present, the main revenue of Mobao Pay comes from the first, third and fourth items.

The second transaction commission or something, now everyone is doing it for free, and they dare not accept it at all.

The first item of capital accumulation has always been on the sidelines, and the blade of financial supervision may fall on the head one day.

Compared with Ari Taobao’s merchant collection and payment process, Mobao pays funds for a very short period of time, most of which are only a day or a few days.

E-commerce companies such as Taobao are different. The buyer must confirm receipt of the goods before allocating funds to the seller.

Taobao is also very thieves. The window reminder to remind buyers and users to receive the goods is very inconspicuous, and many users will not click to confirm receipt.

If the buyer does not confirm the receipt of the goods, it will take up to 15 days from the moment of delivery for Taobao to accept the goods by default, and the money will be transferred to the seller's account.

In a way, this design optimizes the shopping experience of buyers and users, but for sellers, it is not so cool.

Ari holds their fate. If they want to sell fake products or have a bad service attitude, they have to take it easy. After all, the money has not yet arrived, and they have to pretend to be grandchildren.

The most important thing is that, after 15 days of fund deposit income, Paybe is full of oil!

Mobao Pay is similar to WeChat Pay. Most of the partners are offline merchants, and the accounts are credited in real time. Many users buy Cailitong or Lingqianbao as soon as the money arrives. Happy Paybe.

"Okay, the subsidy cannot be stopped. We must continue with tears in our eyes."

When Zhang Yida said these words, he was quite helpless.Mobao Pay is too important to Ruixiang, and other businesses make money to support it.

At the same time, the traffic gathered by Mobao Payment has also been generating revenue for other businesses.

Everyone is a complementary relationship, and no one can do without the other.

　Thanks: Oh speed, Asquid, book friend 20190523131900810, book friend 20170829180932547, sadness under the fireworks, waiting for the rewards of several book friends!

　　Thanks also to all the book friends who have been voting for recommendation!thank you all!
　　Another piece of news is that the book will be on the shelves tomorrow at 12 noon!We are stepping up the code words, and strive to put more on the shelves tomorrow.

　　
　
(End of this chapter)