Metropolis: I Can Inherit Wealth

Chapter 262 : Banking Trend in the Internet Era

“For the moment, let’s start operations first and strive for more users.

At this time, Li Jiacheng thought about it carefully, and said, “I think the publicity plan can be started appropriately. It’s time for the bank to increase its weight.

Although JFPA has reached a cooperative relationship with Hong Kong and even many banks in the Mainland, this does not mean that they are good people.

Now, the entire JFPA is free of charge. As long as JFPA transfers, whether it is from the bank or through the transfer, it is free.

However, bank transfers need to be paid, regardless of whether it is a pair or one-way transfer.

Under this circumstance, under the premise that JFPay does not charge transfer fees, please ask what will happen to people. There will be a large number of people using JFB to transfer money.

Although it is necessary to pass twice, it is a bit troublesome, but I believe there will be many willing to use JFPA. In this way, the bank is bound to lose a lot of transfer business, and no bank is willing to bear such a loss.

As a result, another type of cooperation between JetPay and the bank was promoted. Similar to the Yu’E Bao launched by Ari Group, JetPay also has interest payments.

As long as you deposit the money in the interest fund, the corresponding interest will be generated every day, and it can be used at any time.

The money was eventually put in the bank, so it is equivalent to accumulating a large amount of cash for the bank in a short period of time.

Today, cash is king.

Is the bank short of money?

There is no doubt that banks are short of money, and they are short of money. They are short of money all the time. The appearance of interest payments is equivalent to opening the door to a new world for them.

As long as the interest money is stored in the bank account, the bank can take out the money for loans or investment. It is completely non-capital trading, so why not do it!

Of course, the money belongs to JFPA, and it is certainly impossible for the bank to transfer it according to the meter.

Therefore, during the negotiation, Ma Huateng proposed a compromise. The bank can use part of it, JiePay uses part of it, and both parties use it separately.

There is a big difference between online banking and traditional banks. The biggest difference is that everything is virtualized and does not exist, even a bit too much is data.

You transfer money through the Internet, isn’t it the result of data?

Traditional banks can deposit cash. Although many of them are virtualized, they have cash, and people can deposit the cash in order to generate data.

Internet banking is not good, they are all data. As for where the data comes from, in the final analysis, it still comes from the bank, which is the result of cooperation with the bank.

Internet banks are only third-party banks. They need to rely on traditional banks to survive. Otherwise, they cannot survive.

But those are not important anymore. What is important is the online bank. If he is a bank, it is a bank.

You save money, you transfer money, or you pay, all of which are fine.

The difference from the traditional bank is only the business processing of one counter, and all the increase is the operation on the network.

It is precisely because online banks do not have counter services that those banks allow JFPay to enter the market. Otherwise, if you just come out, others will kill you. Will you still develop?

Coupled with the need to rely on them, they can get stuck in your neck and rest assured that you can develop. You will grow stronger in the future, okay, if you are not obedient, I will jam you to death and see what you do.

It’s just that everyone knows that it’s impossible for banks to choose cooperation to harm their interests without making a profit.

This profit is that in the future, when JetPay starts to pay interest, that is, when the deposit function is used, the cash can be used by the bank.

This control power is only half, and half of the control power is owned by JFPA itself. A lot of the Internet is unreliable. With the passage of time, more people think that the Internet is even more unreliable, because there are many deceptive things on it. What about online banking?

The credibility is still a bit worrying.

At this time, if you don’t show a good face, I’m afraid no one will save money in it. Increase interest.

This is a permanent increase in profitability, something that can be very certain. It’s that simple to raise interest to attract users to save money.

In fact, if you don’t raise the interest rate, people are unwilling to deposit money, because traditional banks can also save money, and your interest is lower than others. Why do people want to deposit it with you? It’s an Internet bank. It’s not reliable.

Then the problem comes again. Since the interest rate is higher than that of traditional banks, the cash of JFPA is deposited and linked to traditional banks.

If they are equal, then there is no problem. They will not lose, at least in terms of interest.

But what about the operating costs of others? Doesn’t it need money?

In the final analysis, it is the loss of JetPay. No company is willing to do business at a loss.

So, of the money that is deposited, it is natural that half of the control power belongs to the payment company, and people can invest it and operate it for profit.

Isn’t that what the bank does?

Banks offer interest, do you have such a good person in the world?

Banks are also engaged in business. They are no different from a company. You deposit money, then we can use your cash. How I use it, naturally I use it to make money and make other investments.

Speaking of these, I have to say why the bank is short of money.

The main business of a bank is to lend. There are too many loans, and they cannot get in for a while, and they are in urgent need of cash. At this time, they can only find other banks for lending. Therefore, the bank is very rich.

(Zhao Nuozhao) But almost all of them are short of money.

But why did the bank go bankrupt? These are all their investment problems. Many businesses are the responsibility of investing in the stock market.

If the stock market is good, they can make a lot of money, but if their market is not good, it will be a big trouble. At this time, they are short of money again.

Maybe it’s because of this. They didn’t hesitate to cooperate with the emergence of JetPay.

The rise of the Internet, they are very clear, coupled with the formation of many online transactions, so that they are optimistic about the development of Jiefubao.

In fact, every bank is developing business on the Internet, but they have not succeeded in developing very slowly, and even gradually quiet down.

At this time, a third party suddenly appeared, and they reduced the risk. I am afraid that everyone is willing to do this kind of thing.