Urban Monopoly System

Chapter 64 Layout Mobile Payment!

The mobile payment area can be regarded as a strategic location on the future mobile Internet.

Not only does it have hundreds of millions of users, but it also covers a wide range of livelihoods, from paying utility bills and other livelihoods, down to buying bottles of mineral water offline, etc. Basically, all payment needs cannot do without mobile payment. .

This piece can not only make money, but also a key link connecting various products.

If you want to make local life bigger and stronger, if you hand over the payment link to others, it is equivalent to putting your life in others.

You must know that payment data is an extremely valuable piece of data for a company. If this data is mastered by others, it means that your core transaction part will not have any secrets at all.

As soon as big data computing develops in the future, the value and importance of these data will be greatly enhanced
It is as strong as Meituan, and will eventually launch Meituan payment.

As strong as Jingdong, it will also cut off its wrists. It forcibly cut off the connection with Alipay in the early stage, and launched its own Jingdong Pay, or Tenpay, which relies on the shareholder Penguin.

It can be seen that payment products are extremely important for some high-frequency payment applications.

'Let's find out first. Mo Yu pursed his lips, had an idea in his mind, and said: "You guys are busy first, it's time to test and test, and it's time to design the business version of the application. I'll take a look first."

"Okay." He Ziqiang nodded in response.

Afterwards, the crowd dispersed, and Mo Yu quickly searched for information.

He first looked at Alipay's situation.

"Boss Ma is still strong!" Mo Yu whispered.

In 2010, the current number of Alipay users has exceeded 5 million.

An astonishing number.

In addition, it has served more than 40 merchants.

In terms of transaction volume, there is no data in 2010, but the public transaction volume data in 2009 was 2871 billion, accounting for 49.8% of the online payment market share!

The well-deserved leader!

Ride the dust!
"That's right, relying on Taobao, Alipay's position on the PC side is unbreakable. Even if Penguin has a huge number of users, it can't change this! After all, most of the transactions in the market currently come from e-commerce, Ahri directly Binding Alipay, the advantage is too great!" Mo Yu analyzed.

But fortunately, no matter how strong the PC side is, it will be eliminated sooner or later.

After many years, few people will use the PC version of the payment tool.

The core of the future is mobile payment!

With the popularization of smartphones, there will be more and more payment scenarios, and the transaction volume will exceed trillions!
"Mobile payment is the real battle, and it is also a critical period for Penguin to rise in the payment field and protest against Alipay"

Mo Yu recalled that in the next few years, Alipay's market position will still be strong, but it will no longer be the only one out there, but will become a two-strong competition for hegemony.

"If I remember correctly, WeChat launched 'red envelopes' during the Spring Festival. It cooperated with the Spring Festival Gala, and almost all the people participated! It achieved the effect of raiding Pearl Harbor in one fell swoop! It saved a way out of the blockade of Alipay! It can be called the business world. A classic success story!"

Thinking of this, Mo Yu inevitably thought a little bit carefully.

Since I know the power of red envelopes, why not take advantage of them?
Picking peaches on the way, the sudden emergence of a force caught everyone by surprise!
"Do it!" With little hesitation, Mo Yu finalized the direction.

First, the large number of payment scenarios in local life forced him to start making his own payment tool.

This is to improve the product matrix and form a final commercial closed loop.

Second, he has a plan to implement mobile payment, and there is no reason to waste this advantage.

After pondering for a while, Mo Yu called He Ziqiang over.

"The matter of recruiting people should be advanced as soon as possible. I reckon that these few people will definitely not be enough." Mo Yu spit out a sentence first.

"I think it's enough!" He Ziqiang said: "The overall structure of group buying has been set up, and the follow-up will be iterative development around this. This is a long-term work."

"Mr. Mo, are you worried about the business version of the application?"

"Actually, don't worry. After all, the business version is very similar to our management background. It's not too difficult. At most, it just takes a little time. The current number of personnel is enough."

It was rare for He Ziqiang to think about the problem from Mo Yu's point of view, and he couldn't bear to waste money.

"It's not just a group buying project." Mo Yu waved his hand and confided his plan to He Ziqiang for the first time: "I plan to do two more projects."

"One is for takeaway, and the other is for payment."

"At the same time, we have to consider the mobile side of these projects."

"What?" He Ziqiang exclaimed suddenly upon hearing this, with a shocked expression on his face.

Two more projects?
Is it a takeaway platform?This is easy to understand.

What the hell is payable?

Now that the overall situation of the payment market has been decided, users have already developed their habits, and no one can shake the status of Alipay. You are still doing payment at this time, what is your brain? !
He Ziqiang couldn't understand at all.

"Recently release more technical recruitment information. You should focus on recruiting people, and you don't need to worry about the rest." Seeing He Ziqiang's reaction, Mo Yu suddenly became less interested, and he no longer had the idea of ​​elaborating with the other party.

"Uh, okay." He Ziqiang nodded, and he didn't say anything more after talking about this.

It's just that after recovering, he felt very funny in his heart.

He Ziqiang found that his understanding of Mo Yu was a little low. He thought that doing group buying was already very tricky and ignorant, but he didn't expect that there would be even more ignorant actions!
It's not just a whimsical idea!
Ha ha.

After secretly laughing, He Ziqiang turned and left.

After Mo Yu finished explaining, he didn't pay attention to He Ziqiang's expression, so he naturally didn't know what the latter was thinking.

At this time, he tried his best to recall the memories related to payment in his previous life, and secretly planned a plan in his heart.

'First make a PC-side payment application, lay the foundation, and build the infrastructure. '

'The PC side doesn't care about market share, it's first connected to the system. '

'The key is the follow-up mobile terminal!That's when the real fight to the death!I still have some time left'

'At the same time, we should also pay attention to the third-party payment license. It seems that the first batch will be issued within the next two years.'

Mo Yu never forgot that when Alipay obtained the license plate, it was quite a bustling city.

Even a layman like him has heard of it.

Back then, in order to obtain a license, Ali did not hesitate to spin off Alipay and set up an independent company.

Otherwise, with foreign shares, it is impossible to be the first to obtain a third-party payment license.

The license is the lifeblood of an online payment company.

Failure to do so is equivalent to illegal operation.

"The first batch is the best to get, and it will become more and more difficult later on. It is necessary to catch up with this train." Mo Yu thought of an interesting incident a few years later in his previous life.

Meituan spent billions of dollars to acquire a company with a payment license.

It is conceivable that the value of this thing will be higher and higher.

(End of this chapter)