Top of the Great Era

Chapter 2329 Peer-to-peer payment
Manchester United's Asian tour has already started, and they will play a friendly match with the Taizun team in Modu.This is a football event, many enthusiastic fans have defected to the past.

Zhou Buqi also went south.

It's not for watching the game live. There is nothing to watch in this game. The nature of the performance is very strong, and the reference point is not very meaningful, as long as the players don't get injured.

This trip to the south was mainly to communicate with Ji Xiaqing, the product director of the international department, and her plan was temporarily abandoned.Do not self-develop, this way is too slow, Ziweixing International has spent 1.55 million US dollars to complete the acquisition of Shopify, a cross-border e-commerce service product.

Although Zhou Buqi didn't follow Ji Xiaqing's idea, she made a contribution after all, providing the big boss with a cloud service idea around cross-border e-commerce.

In overseas markets, Ziweiyun has also found an opportunity to compete with Amazon Cloud in the field of e-commerce.

For Zhou Buqi, this is actually not a surprise.

Because he also knows this direction.

It's just that he usually manages too many things, and he can't think of them for a while. If she hadn't reminded him, it may be several years before he remembers that he can compete with Amazon Cloud through cross-border e-commerce.

It would be too late to enter the arena at that time.

If you want to acquire Shopify, let alone $1.5 million, even $15 billion can't be bought.

Unexpectedly, I saw two unexpected people in Shanghai, Chen Dong and Liu Qiangdong were drinking tea here, so Zhou Buqi hurried over.

Chen Dong came to select products for Jingtao's blind box business, and Liu Qiangdong was here to attend the groundbreaking ceremony of the new logistics center.

They are all engaged in e-commerce, so there are many common languages ​​that can communicate with each other.

After Zhou Buqi sat down, he said carelessly: "What is there to talk about? Domestic e-commerce companies are the best in the world, and the whole world should learn from China."

Chen Dong took it for granted, "Well, Mr. Ma has made a great contribution."

"What's this called?" Zhou Buqi dismissed it, and pointed to Liu Qiangdong, "Lao Ma's contribution is quite large, and our Lao Liu's contribution is not small! Taobao and JD.com are two models that together support domestic e-commerce. The rivers and lakes of the business market."

This compliment made Liu Qiangdong very useful.

But Zhou Buqi felt it from the bottom of his heart, "Amazon also has business in China. All business processes are the same as those in the United States. How can they be competitive? Their way of doing business in front of Taobao and JD.com , you can’t live.”

Chen Dong said with a smile: "It's not accurate, mainly because the leading domestic e-commerce companies are doing very well."

Zhou Buqi has recently studied cross-border e-commerce, and he has a good understanding of it, "Well, it's really like this. There are mainly three types of e-commerce models in the world. They are all based on social credit. The first one is The ones in Southeast Asia are all cash on delivery, and you pay for it and deliver the goods.”

Chen Dongdao: "Isn't it the same in China in the past few years? Consumers are worried that they won't receive the goods after payment. The changes in the industry are mainly driven by Boss Ma."

In this regard, Liu Qiangdong was a little embarrassed.

JD.com is now the largest B2C shopping platform in China, second only to Taobao in terms of sales.But the main payment method on JD.com is still cash on delivery.

For this reason, JD.com's courier brothers must be equipped with a POS machine to swipe their cards for customers.

This has just greatly reduced work efficiency.

It also improves the turnover cycle of Jingdong's book funds, which is far less convenient than online payment.

Zhou Buqi nodded, "Yes, the second model established by Lao Ma is to establish a third-party transfer account. The transaction risk of buyers and sellers is resolved through the intermediate account. The online payment system of domestic e-commerce And it was built."

Liu Qiangdong shook his head with a calm expression, "This third-party account is indeed an innovation, but it is a serious violation. What qualifications does an e-commerce company have to supervise other people's funds? Alipay treats itself as a bank?"

Zhou Buqi waved his hand and said indifferently, "Didn't they all issue licenses?"

"The license is issued now, but not in the past few years." Liu Qiangdong was not convinced by this, "They are walking a tightrope. If they act according to the law, they will all be arrested. Jingdong, Dangdang, etc. This model is a serious and legitimate company."

JD.com and Dangdang also have online payment functions.

However, just like Xiaonei, JD.com and Dangdang are all self-operated products.There is only one seller, and that is the platform.This eliminates the hidden danger of the seller not delivering the goods after the buyer pays, and the platform does not need to “supervise funds”.

That is to say, in the process of domestic e-commerce development, Dangdang and JD.com operate legally and compliantly. The Taobao model is indeed a pioneer with a high degree of innovation, but it is wandering in a gray area of ​​the law.

The relationship behind the old horse is strong enough, otherwise he might have to squat in.

"But it turns out that Taobao's path is correct. The third-party intermediary account model has indeed promoted the development of the e-commerce industry. Otherwise, the domestic e-commerce environment may still be like that in Southeast Asia, where only goods can be sold. payment." Zhou Buqi sighed, "Innovation requires risk, and reform requires risk. In the past 30 years, many entrepreneurs have risked their lives to promote the development of the industry. Successfully, promote relevant national policies and Laws and regulations change; fail, squat in."

Although Liu Qiangdong didn't get along well with the old horse, he had to admit it, "Well, it's always a good thing."

Zhou Buqi said with a smile: "There is a third type, the one in Europe and the United States, which is a direct point-to-point transaction. The buyer pays the seller directly. What about Jingtao? What model does Jingtao use?"

Chen Dongdao: "It's also peer-to-peer. Self-operated products are collected by the platform. Third-party stores are directly collected by the seller."

Zhou Buqi asked, "Is there no controversy?"

Chen Dong said with a smile: "Yes, but there are other mechanisms to prevent it. For example, insurance, the insurance company can pay for the false transaction. The platform will also collect a deposit from the third-party store, and through this deposit to the Consumers pay. Actually, this model is better."

"Ok?"

"If a user encounters consumer fraud after paying, and the seller delays delivery, it is not only a bad thing for the consumer, but a good thing. The compensation he gets is much higher than the amount he paid. At least twice as much."

"There are penalty clauses?"

Zhou Buqi suddenly realized.

Now we can understand the advantages of peer-to-peer exchanges in developed countries abroad.First of all, it is easy and convenient. E-commerce companies only do e-commerce, and do not need to apply for a financial license to obtain the qualification to supervise third-party accounts.

There is another kind, that is, this strategy can make an example to others.

Sellers dare to fake, there are punitive clauses.

If the buyer is defrauded of 100 yuan, 200 yuan may be deducted from the deposit pledged to the platform.Coupled with the insurance company's compensation, consumers can make a lot of money when they encounter such fraud.

Therefore, many consumers will specifically "crack down on counterfeiting".

For example, on the Amazon platform, there are buyers who are professional counterfeiters.

Buyers can rely on this model to make a lot of money, and the Amazon platform can also rely on these anti-counterfeit buyers to clean up the environment of the platform, making online shopping safer and the shopping environment better.

Rely on this market mechanism to purify the platform and make it open and transparent.There is no need for the platform to rely on the power of the platform to deal with those illegal shops.Relying on power to punish, there will always be many shadows.

(End of this chapter)