Rebirth starts from e-commerce

Chapter 416 Digital Management
The fee rate for swiping cards at traditional POS machines is generally around 0.6%, which means that customers need to pay a handling fee of 100 cents if they spend 6 yuan in the store.

Fantuan payment also charges a fee of 0.6%, but in the early stage, in order to promote it as soon as possible, it promises to waive the handling fee for a certain period of time.

0.6% may not seem like a lot, but when added up, it adds up to a lot.

For example, a shop with a daily turnover of 1 yuan, 30 a month and 365 million a year, needs to pay a handling fee of 2.19 yuan.

If there are 200 such shops that use rice balls to pay, they can earn more than [-] million yuan a year.

If there are 2 companies, they can earn more than [-] million yuan a year.

How many stores are there in the country?
Not to mention monopolizing this market, as long as a small piece of cake is cut, it is an unimaginable number.

It was precisely because of such a large profit that Luo Xiu devoted himself to this battlefield without hesitation.

Do your best to be the first to cut a piece of cake.

Because of this, he has devoted almost all of his energy to this matter recently.

But the boss is also a human being, and he needs to relax when the thread is too tight.

People always don't want to be disturbed for a period of time, just like the little fairy has a bad temper for a few days every month.

But as long as Luoxiu people appear in the company, all kinds of troublesome things will come to him, waiting for him to deal with.

At this time, he would quietly leave the company alone and come to a relatively quiet coffee shop not far away.

The name of the coffee shop is very strange, it is called "Old Antique Coffee House", and there are many old objects in it.

It can be seen that the boss opened this store not to make money, but to pass the time and have a place to display his collection.

After Luo Xiu entered the store, he ordered a glass of iced Americano, then walked to a corner, picked up a book on the shelf behind him, and read it quietly.

No matter what the title of the book is, be it "Jin Ping Mei" or "Jade Fu Tuan", just look at the illustrations.

Of course, the above are Li Shan's hobbies.

Luo Xiu still pursues books, and what he reads are good books that are beneficial to the mental and physical health of young people.

During the period of quiet reading, his heart rate can be calmed down.

Rest his cluttered mind.

Today, however, this quiet coffee shop is constantly being visited by salesmen.

Just as Luo Xiu calmed down, he heard a loud voice:

"Hello, is the boss here?"

Then I heard the owner of the coffee shop answer impatiently: "The boss is not here, the boss has gone abroad, if there is anything to do, come back next year."

"Then you should be the boss. I'm a promoter of Fantuan Payment. It's very inconvenient to receive cash in cash now. Have you considered using mobile payment as a cash register?"

The ground pusher obviously has rich experience, and he knows that it is usually not an ordinary shop assistant who can say such a thing.

"Don't think about it, you go, don't affect my business."

After the boss finished speaking, he drove people out.

"Wait, wait, we are now in the promotion stage, we don't charge a penny, and there are a lot of red envelope subsidies..."

However, the coffee shop owner pushed him out without waiting for him to finish speaking.

After driving the people away, the boss personally made a cup of coffee and put it in front of Luo Xiu, and said helplessly: "Mr. I'm almost annoyed to death when I come to the door personally."

The headquarters of Pinru Group is right next to it, and Luo Xiu often comes to this store, so the boss naturally knows him.

"If you use our payment register, you won't get any business, or do you not trust our company's products?"

Luo Xiu didn't look up, and turned to the next page to continue reading.

The owner of the coffee shop said angrily, "You have put the book backwards."

"I'm not illiterate."

Luo Xiu continued to read his book.

"If you are literate, you should know that our store is called 'Old Antique Coffee House'. Our old antiques can't use your new technology."

"Then they will continue to come."

"I thought you would give me some reason to persuade me to use your rice balls to pay by scanning the QR code."

Luo Xiu smiled slightly and said, "I don't have this spare time. If every store requires me to come forward to negotiate, then there is no need to do this matter."

"You are a busy person, so I won't bother you."

The boss left helplessly.

Luo Xiu read a book in the corner for a while, his heart gradually calmed down, and soon he had a new idea.

Sure enough, after people's thinking has fallen into a dead end, they need to go out and look outside to have a look and listen, in order to generate new inspiration, instead of working behind closed doors.

Luo Xiu got up, walked to the cashier, touched his pocket, and said helplessly, "Boss, I seem to have forgotten to bring money."

"Give it next time, it's not the first time you forgot to bring money."

"Thank you." Luo Xiu just walked out the door, and then turned around and said, "If you can pay with your mobile phone, then you don't need to bring money."

The boss ignored him.

If it were any other salesperson, with this boss's temper, I'm afraid he would scold him: Get out!

……

Luo Xiu returned to the company and called the payment team over for a meeting.

"At present, the society does not know enough about mobile payment. It is very difficult for us to carry out the business of land piles. I have an idea, and I don't know if it is feasible."

"Boss Luo, tell me quickly."

The payment team is also worrying about this matter, and they can't wait to hear what the boss thinks.

"Our mobile payment can't just help customers solve the needs of cash registers. It's the same for other stores to accept cash. It's just a little more troublesome. If you want to gain the trust of store owners, you must provide more valuable services."

Luoxiu paused and continued: "For example, we can build a data management system. Through our system, store owners can intuitively see the transaction amount, customer unit price, and product quantity ranking in different time periods...

That is to say, through the data analysis of this system, it can help store owners solve operational problems, adjust cost expenditures, and continuously improve store service standards, thereby increasing store turnover and profits.

What we earn is not the rate for swiping cards like POS machines, but the service fee for a complete set of digital business systems. "

There is one more thing that Luo Xiu didn't say, the future is the era of data, if all the business data of the whole country are in the hands of Luo Xiu, the value of these data will be immeasurable.

More importantly, Alipay and WeChat will definitely come in to grab this market in the future.

If it is simply payment, the substitutability is too strong.

Merchants will inevitably hang up the payment codes of Alipay and WeChat.

If you want to reduce the substitutability and make it difficult for merchants to change the payment method, it is necessary to increase the replacement cost for merchants.

If a very useful digital business system can be provided free of charge to merchants in the early stage, so that merchants can rely on this system, it will naturally increase the cost of merchants to replace other payments.

In the future, the service can be continuously improved, so that merchants cannot do without the service support of Fantuan.

Even if peers provide the same operating system, historical operating data cannot be migrated with one click.

(End of this chapter)