Winning the new financial era

Chapter 96
Then Zhang Yida took people to Futukang, Fenghuang, Everlasting, Giant and other foundries, and gave a design drawing, ready to ask them to come up with a price plan.

After returning to Beijing, Zhang Yida received an invitation letter. The first World Internet Conference will be held in Wuzhen, Jiaxing, Zhejiang.Ruixiang and Yimin are also well-known in the Internet industry, so they both received an invitation letter.

As for the holding time, it is still early, on November 11th.Putting this matter aside, Zhang Yida started to deal with the company mail.

As Zhang Yida's business scope is getting bigger and bigger, and there are more and more branches and subsidiaries under it, many times he has no skills, and office affairs are handled and replied by email.

Specifically, the CEOs and executives above the level of vice presidents of each subsidiary directly send emails to report to Zhang Yida.Zhang Yida's mailbox is often filled with dozens or even hundreds of emails.

Zhang Yida clicked on the mailbox and began to look through the mailbox.

The content of the email sent to him by Gu Panpan, general manager of Jinke Content Advertising Business Group, is:
"Mr. Zhang, the total number of registered users of Tourong Huiyi Account has increased to 1.5 million, but the daily active users are only 3000 million, and the monthly active users are 8000 million.

In addition, the average usage time of users is only 15 minutes, which is very short and the stickiness is too low.

I consider whether to enrich the products and services of our platform?At present, the services we provide are all financial in nature. For users, they are not needed every day.

What I think is that we add more service scenarios to increase the user's usage time.

For example, we have cooperated with Didi and Meituan to increase taxi-hailing and food delivery ports on our platform to enrich our services.Also add some advertising revenue. "

Regarding her question, Zhang Yida could only scratch his head. Financial products are like this. Unlike Penguin's products, everyone needs to chat every day, and Ari's e-commerce, everyone has to buy things every day.

However, Gu Panpan’s suggestion is very good. Add some other widely used application scenarios to the Touronghui APP to increase customer activity and use time.

Zhang Yida emailed her and replied:
"Your suggestion is very good. In addition to Didi and Meituan, we can also add other more daily application scenarios to our platform.

Such as telephone recharge, water, electricity and gas payment, etc.

In addition, a set of user points system is launched, and points are rewarded according to the consumption and activity of users on the Touronghui platform.

At the same time, a point mall is launched for users to redeem commodities.Commodities can be daily necessities, investment red envelopes, loan coupons...

Another one is to recruit a small game development team to develop one or two small games on the platform to test the waters.

In short, one purpose is to increase the number of active users and the duration of user usage. "

Then look at the next email, which was sent by Wang Lina, the general manager of the mobile service business group, and the content is as follows:
"Mr. Zhang, 365 Bookkeeping Steward and Kawang Credit Card Steward are currently experiencing growth bottlenecks, and user growth has slowed down.

According to the analysis, it is caused by two reasons:

The first is that the usage scenarios are too narrow, and only users with accounting habits and credit cards will use our products;
The second is the sniping of competitors. Many bookkeeping products and management card products on the market are increasing user acquisition and subsidies to compete with us for users.

I suggest two counterattacks:
The first is to increase subsidies and attract new users to consolidate our leading position in the market.At the same time, some activities were launched to call on the whole people to keep accounts with the virtue of "diligence and thrift" to expand the market.

The second is to enrich our product line and implement more functions in accounting and card management products, such as opening up various platform accounts of users, crawling data to automatically keep accounts; and adding a knowledge section for credit card use, through video And the text teaches users to use credit cards reasonably. "

The suggestion is still very good, but there are some things that need to be paid attention to.

Zhang Yida wrote an email reply:

"The suggestion is very good, please approve it! But the crawler needs to pay attention to it. The user must actively agree to the authorization before crawling data. It must not crawl data without the user's consent, which violates the user's privacy.

In addition, in the credit card knowledge sharing section, pay attention to communicating with major banks, and avoid some behaviors that banks do not allow when sharing knowledge.

Don't damage the relationship with major banks, after all, the credit card supermarket sector cannot do without the big money owners. "

The next email was sent by Ren Yunfan, General Manager of the Emerging Technology Business Group, and it involves more affairs:

"AI research and development has obtained two patented technologies so far, but the R&D engineers are still insufficient, please add.

The research and development capabilities of the underlying technology of the blockchain are insufficient, and it is requested to acquire one or two companies in the industry to increase the research and development capabilities.

The big data technology experiment has been successfully completed, and the next step is to implant all the products of Ruixiang Jinke in an all-round way.

Cloud computing is undergoing various experiments, and the first cloud will be launched at the end of the year, which will be the sharp financial cloud to empower financial companies.

In addition, there are too few cloud computing server devices at present, please add. "

Emerging technology business group now has 4 products under its jurisdiction, AI, blockchain, big data and cloud computing.The original Mobao Payment, Mung Bean Credit, and Tiance Data belong to the open technology business group.

Zhang Yida has always paid close attention to the emerging technology business group as one of the business groups that the entire group invests in.

They are indeed gold swallowing beasts now, but in the future, they will shine brightly.

At present, the engineers with the highest level of research and development in the group are concentrated in this business group, the purpose is to build a moat for Jinke.

Technology is the primary productive force. At present, this business group has not generated a cent of income, but Zhang Yida is still pouring money into it.

Because compared with Penguin and Leech Financial Services, Ruixiang’s background is too shallow. It can only be said that the model is more innovative, and the underlying technology is far behind.

If this shortcoming is not made up in time, the backward technology will be reflected in the product and in the user experience.No matter how much money you make at present, you will be rootless.

One part of the profits of the entire group was invested in Mobao Payment, and the other part was invested in the research and development of emerging technologies.The same goes for the distribution of money from venture capital.

Ren Yunfan is a former core engineer of Google's cloud computing. It took Zhang Yida a lot of effort to lure him from Silicon Valley to Beijing. He is one of the talents Zhang Yida attaches great importance to.

Zhang Yida replied to him by email:

"Dr. Ren, don't worry about researching and developing boldly. If you are short of money and people, just tell me directly. My only request is to create the most top-notch commercial technology, especially in the financial field.

For Rui’s next round of financing, Mobao will pay half of it with you.Advanced technology is the most important strategic layout of Ruixiang, and it is not one of them. "

Mung Bean Credit CEO Xie Huaiyu concurrently served as the general manager of the Open Technology Business Group. He emailed Zhang Yidahui to report:

"Mobao Pay is expanding according to the original rhythm. At present, it has basically covered the four first-tier cities of Beijing, Shanghai and Pengyang. Next, it will continue to sink into the second-tier cities and provincial capitals...

In addition, the local push alliance of colleges and universities has covered 80% of colleges and universities across the country, with more than 100 million registered members. College students have contributed a lot to the expansion of Mobao Pay.

Tiance Technology has cooperated with more than 100 financial institutions, including banking, insurance, trust, funds, Internet wealth management, Internet lending and other financial fields.

The "Shenji" intelligent investment advisory system and the "Eagle Eye" big data anti-fraud system have made great contributions and are widely praised by customers.Here I would like to thank the friends of the Emerging Technology Business Group for their technical support, which is quite awesome.

Mung Bean Credit has exceeded 5000 million users, and has been vigorously transforming the stock users of Tourong Huiyitong.

In the next step, we will go out and openly cooperate with other financial companies.

Opening mung bean credit authorization to them is, of course, on the premise that the user agrees to the authorization, giving them some permissions for them to call and query the user's mung bean credit data. "

Zhang Yida sent him an email, commending him:

"The open business group has done a good job during this period, thank you for your hard work! But we must not relax. Tiance Technology and Mung Dou Credit will further expand the B-end customers. Mobao Pay's C-end customer development will continue to follow the established pace Walk."

The general manager of the consumer finance and wealth management business group was promoted by Hong Haibo, the former CEO of Tiance Technology. He sent an email to report:
"The Internet currency fund "Lingqianbao" cooperated by Hantai Fund and us has been launched, triggering a rush to buy, and the current fund size has exceeded 10 billion yuan...

The first batch of 10 open users of Touronghui IOU has already issued 2 million yuan in loans, with a balance of 8000 million yuan in loans.Assets performed well, with the overdue rate consistently below 0.5%.It is recommended to grant credit to the second phase of users.

Touronghui Wallet has 10 users in the first phase, with a total of 1.3 million yuan in loans and a loan balance of 6000 million yuan.Asset performance is even better than IOUs, and the overdue rate is kept below 0.3%.It is also recommended to open the second phase of quota. "

Zhang Yida replied to him by email and said:
"Hantai Fund continues to pay attention and communicate more with Handing Group, but don't intervene too much in specific operations.

In the original cooperation agreement, we were in charge of currency funds, and Handing was in charge of mixed funds and other stock investment funds.We just need to do a good job of our monetary fund.

Touronghui IOU and Touronghui Wallet agreed to open the second phase of quota, 20 each.Continue to observe the quality of subsequent credit assets, and don't relax. "

Rubbing his eyes, Ruixiang Jinke's five major business groups' emails have been processed.It's time to look at Yimin Financial Services again.

Ding Siyao, CEO of Yimin Wealth, reports via email:
"At present, the number of corporate financial planners has exceeded 200. It is recommended to open branches in other first-tier cities to expand local business."

Zhang Yida replied:

"Approved! But pay attention to the unevenness of good and bad caused by the expansion of the team of financial planners, and use the bottom elimination system. Constantly inject new blood and eliminate unqualified financial planners. Maintain the combat effectiveness of the entire team!"

Yimin Pratt & Whitney CEO Hui reported:
"At present, it has expanded to 20 first- and second-tier cities across the country, and opened 8 new loan stores. The asset quality is stable, and the overdue rate has been controlled within 4%."

Zhang Yida replied:

"To control the pace of store opening, we must not only complete the goal of opening 50 loan stores this year, but also control the quality of assets.

The overdue rate has dropped below 3%, and this year, an option spree will be rewarded! "

(End of this chapter)