Rebirth Starts From 2006

,!

"connect?"

Chen Yang picked a grape and threw it into his mouth. He looked at her and asked in confusion, "Didn't I say it last time? Banks can only do the work behind the payment platform. In fact, it is nothing more than the transfer and settlement of funds. Business supply and payment scenario applications are the business of the platform company.

How else do you want to contact me? "

"Of course we know,"

Huang Shan threw away the toothpick, took out a tissue to wipe her hands, looked at Chen Yang and said, "What Xiaoyu means is, on the one hand, to use more and more Rainbow International Bank outlets to promote Tenpay on the spot, that is, to promote Tenpay on the spot. ,

On the other hand, on the payment page of Tenpay, there is an advertisement for Rainbow Bank to promote its business.

In fact, it means supporting each other and promoting business.

That's what it means.

But this kind of ordinary business linkage always feels too ordinary and it is difficult to meet our expectations."

Huang Shan shrugged lightly as she spoke, looking at Chen Yang, "What can you do to promote your business at once?"

"Hehe, hehe,"

When Chen Yang heard this, he couldn't help but laugh twice, pointed at her and said, "I think you are used to eating fat in one go. This kind of steady development feels very distorted, right?!"

Huang Shan raised her eyebrows, leaned back on the chair, kicked off her shoes, pulled her legs up, and found a comfortable position. Then she looked at him and said, "If there is a way to become fat in one go, , why should we raise meat slowly?

Besides, isn't it what you said? The Internet is fighting for a chance of survival. Tenpay can be regarded as an Internet company, and now we have Alipay with the largest market share. If we don't catch up, how can we still be in the future? A foothold in the market? "

Chen Yang pursed his lips, looked at her and smiled slightly, turned to look at Zou Rong, tilted his head towards Huang Shan, "Give it to her."

"okay,"

Zou Rong quickly took out the paper and wiped her hands, got up and ran to the back of the desk, pulled out a document from the drawer, then came out and handed it to Huang Shan.

At the same time, he smiled and said, "Sister Shan, this was dictated by Yangyang. I compiled it. It took me two days to finish it and I'm preparing to give it to you."

Huang Shan looked at the two of them curiously, took it and opened it, then suddenly raised her head to look at Chen Yang, "Are you ready?"

The content on this document is exactly Tenpay’s promotion plan.

Chen Yang dragged the fruit plate in front of her over, grabbed a piece of dragon fruit and threw it into his mouth. He said with a smile without raising his head, "Caihong International Bank entered the domestic market. Although it successfully obtained the license, it also has the support of Caihong Group. , owning a basic disk,

However, no matter in terms of the number of business outlets or trust in the market, they cannot be compared with well-known domestic banks. Not to mention the first-tier banks, even a few regional banks in the second and third tiers have a strong reputation in the hearts of ordinary people. It is also more credible than Rainbow International Bank. "

Hearing this, Huang Shan nodded slightly and said, "This is also what Xiaoyu and I focus on. It is easy to enter the domestic market relying on corporate customers, but if you want to expand the scale, include customers other than Rainbow Group, or even one billion natural people." Attracting customers is the difficulty we have to solve.”

Chen Yang raised his head and looked at her and said with a smile, "But now there are mountains of banks in the country. There are several major state-owned banks in the first line, there are about a dozen second-tier banks, and there are countless third-tier, fourth-tier and even rural commercial banks. There are also countless There are some small private banks established by local enterprises to facilitate financing.

There are so many banks that have already carved up the national commercial banking market. We want to steal from them, not to mention whether we can win.

Even if they can, who can guarantee that they won't jump over the wall and resort to some dirty tricks outside the game? ! "

Huang Shan raised her eyebrows and said with disdain, "Since it's just a dirty trick, it's not worth mentioning. What I care about is whether I can capture the market!"

Nowadays, she is really not afraid of this. When soldiers come, the water will be covered by the earth. Who dares to take advantage of the situation? The Rainbow Group team is not a vegetarian. She is not even afraid of bringing the lawsuit in front of the leader.

"You've fallen into a misunderstanding. Why do you have to fight with others?"

Chen Yang wiped his hands with a tissue, leaned back against the back of the sofa, looked at her and said, "I once said repeatedly that the market will never be finished. Those who know how to do it can make the market better and better." Big, you can discover markets that others can’t see.

And for those who don’t know how to do the market, if a large piece of the market is handed over to them, they will only become smaller and smaller, and the more they do, the worse they will do. That’s why it is said that it is difficult to conquer a country, but it is even more difficult to defend a country.

It is not impossible to compete for the market, but it depends on the situation. The current situation is that there is obviously a large market in front of us, so why bother competing with those others. "

Huang Shan actually pouted, "I'm in management, not marketing."

Then I opened the information and wanted to see how Boss Chen expanded the market.

If anyone in the company saw her like this, their glasses would probably be shattered.

After a few glances, Huang Shan suddenly raised her head, "The market you are talking about is on the Internet?"

Chen Yang shrugged and said with a smile, "Why do you think I had to acquire Tenpay and leave 49% of the shares in Goose Factory?"

He pointed at Huang Shan with a smile, "The payment platform is not valuable at all. You can just spend hundreds of thousands and find a group of engineers to build it. What is valuable is the application scenarios and the people who use this platform!"

After a pause, Chen Yang looked at her and said, "It is not difficult for Rainbow International Bank to gain a foothold in the country, but if it wants to expand its business and become a second-tier or even first-tier bank, it needs to be creative and adopt other aspects. Think of ways to,

The vast Internet space is a vast virgin land.

Although Alipay now occupies the majority of the market share, they have a big shortcoming, that is, they currently only regard Alipay as a payment tool and have not taken advantage of the advantages of a payment platform at all.

And this is our opportunity,

A true Internet payment platform is definitely not just a payment tool, but also a virtual financial mall."

He pointed to his head as he spoke, "Do you still remember what I said at that time? Don't let your thinking be limited. All the businesses of offline banks can be moved to this payment platform, allowing banks, insurance, Financial institutions such as securities have become product suppliers of payment platforms.

And the opportunity for Rainbow International Bank lies here,

So, you just said that Rainbow International Bank will strengthen its relationship with Tenpay. In fact, there is no need to do anything else. All the businesses of Rainbow International Bank will be organized, classified, rebranded, and provided to users in the form of Tenpay. This is best contact,

In other words, Tenpay is a financial purchaser, and Rainbow International Bank wants to be its largest supplier, thus providing the most comprehensive financial services to Internet users. "

Huang Shan nodded slightly and looked down at the information again, "Collection and payment, cardless pre-authorization, credit card application, quick payment, gateway payment, uh, and identity verification and real-name authentication?"

Chen Yang picked up the teacup, took a sip, and explained, "Don't you need to verify your identity or real-name authentication when you apply to open a bank card or credit card online?

There are also some website registrations that also require real-name verification. We can sign agreements with these websites to provide them with real-name verification services.

As long as the customer completes the real-name authentication on Tenpay, they can access it with one click, which saves a lot of time and cost for both the customer and the website. "

"understood,"

Huang Shan nodded and continued to scroll back. Then she raised her head and looked at him in confusion, "Why is there still Jingdong's promotion plan?"

Chen Yang's eyelids drooped, "Let's talk after reading this."

"oh,"

Huang Shan leaned on the sofa, holding the information and reading it carefully. After a while, she took a long breath, put the information down, looked at Chen Yang and said, "How can you still play like this?"

"why not?"

Chen Yang smiled and said, "With our financial support, Jingdong has developed rapidly in the past two years, but its reputation is limited to a few big cities. Even many consumers in second-tier cities have never heard of this website.

This is definitely not enough,

Therefore, we need a big battle to completely open up Jingdong’s reputation and establish the concept of Jingdong’s authenticity, speed and discounts in the minds of consumers.

The best way is to have a big online promotion."

He pointed at Huang Shan and said with a smile, "Do you still remember what I said before, as long as the funds and plans are in place, I can create a festival even if there is no festival?!"

Huang Shan put her hand on her forehead and grinned, "Why don't you remember? In fact, I remember a lot of what you said. It's just that knowing is one thing, and how to use it is another. I feel like I'm old I can’t keep up with your thinking anymore,”

As he spoke, he raised the information in front of his eyes, "Double Eleven E-commerce Festival? Haha, there will also be a rain of red envelopes during the Spring Festival Gala,"

She put the information down again, looked at Chen Yang and said, "For this Spring Festival Gala red envelope rain, are we going to shoot a short commercial and specifically introduce how to use it?"

In 2009, smartphones were not yet widely available. Although Damai’s smartphone shipments had exceeded 100 million units, 50% of them were sold abroad to earn foreign exchange.

Even if other smartphones are included, the current number of smartphones in China is only about 80 million.

Among them, 50 million are users of Damai, 15 million are users of Hongmeng Alliance’s domestic mobile phones, and the rest are foreign brands such as Apple, Nokiya, and Sanxin.

This is quite a lot. According to predictions from international communications-related research institutions, global smartphone shipments this year will be around 250 million units.

Therefore, in this case, more than 70% of domestic mobile phone users do not know how to use smartphones, so they cannot download Tenpay and grab the red envelopes from the Spring Festival Gala.

Chen Yang stretched out his hand to rub his face, looked at her and said with a smile, "Dear, I've written down the plan here, do you need me to say the rest?"

Huang Shan curled her lips and turned to look at Zou Rong, "You are such a cool man!"

Zou Rong nodded in agreement, "I think so."

"Fine,"

Huang Shan looked at the information in her hand, then took out a pen from her bag and wrote on it, "The development of functions for grabbing red envelopes on Damai mobile phone and Tenpay app, and operating advertising shooting, um,"

She suddenly raised her head and looked at Chen Yang, "What do you think, we also have a red envelope shower at Jingdong Double Eleven E-commerce Festival?"

Chen Yang squinted his eyes and thought for a while, then said, "Okay, okay, just think of it as a warm-up for the red envelope rain in the Spring Festival Gala, but..."

He pointed at Huang Shan and said, "You have to sign the advertising agreement for the CCTV Spring Festival Gala first, otherwise Lao Ma is not a vegetarian, and it is difficult to guarantee that he will not find a way to cut off his beard."

At this time, Lao Ma had begun to comprehensively think about the entire Ali business system. Before that, his business focus was basically on the B2B platform Ali Baba. Even Taobao later became popular. He also admitted that it was a beautiful accident. As for Alipay, in his eyes, it is a tool to solve the problem of trust in online shopping. Other than that, it has no other function.

It was starting from this year that the e-commerce industry was developing faster and faster, and the increasingly vigorous demand for online payment from various Internet products made him really start to pay attention to this gadget, and in the future he would spin it off and establish it independently. An Ant Financial.

But in this life, Chen Yang has disrupted the situation, first throwing out several Internet development theories in advance, and then acquiring Tenpay. As long as I am not stupid, I will definitely keep an eye on the subsequent development of Tenpay.

If he sees something good that he can learn from, there's no guarantee that he won't use it to overtake in corners.

After all, in the current online payment market, Alipay has the largest share. No matter what, it feels uncomfortable to be surpassed by latecomers.

The most important thing is that the market valuations of the first and second companies in the industry may differ by more than ten times or even dozens of times. This is absolutely unacceptable to him.

Therefore, whether it is to maintain the number one position in the industry or to recover Ali's stock price, he must stabilize the market.

Hearing Chen Yang's words, Huang Shan nodded first, then her heart moved, she looked at him and smiled,

“Jingdong’s Double Eleven e-commerce festival is an impact on Ali’s e-commerce business, and Tenpay’s rain of red envelopes is another challenge to Alipay’s market position.

In this case, why not let's play bigger! "

Chen Yang looked at her and blinked, "How do you want to play?"

Huang Shan smiled and said, "Boss, boss, I guess you must have forgotten that our Rainbow Group has several e-commerce companies besides Jingdong!"

Well,

Chen Yang blinked. He had indeed forgotten this. He only remembered Jingdong in his mind.

Look, this is the difference between the first in the industry and the latecomers. Even under the same company, small ones are not taken seriously.

But that's not a problem,

He looked at Huang Shan and said, "Of course I remember, it's just that I'm too lazy to write it down. If you didn't include those e-commerce companies in the Double Eleven E-commerce Festival promotions, I would despise your kindness." Bar!"

Huang Shan, -_-||

Then he looked at Zou Rong, "When did your man change like this?"

Zou Rong blinked blankly, looked at her, then at Chen Yang, then turned to look at her, "My husband has always been like this, what's wrong?"

Huang Shan slapped her eyes, then sighed deeply, put on her shoes and walked out, "Bye bye."