Actually I just want to act

Chapter 970 The Dawn of SMS Verification Payment

During the New Year's Day holiday, Fang Jiming was resting, but the others were working hard.

All kinds of movies began to be released during the New Year's Day holiday.

The activities on the Internet are also wave after wave.Even mobile phone friends are selling phones at discounted prices.In contrast, the company under Fang Jiming's name seemed to be silent, without any sound.For example, Li Xiuqin of Dingding.com started his "traffic offensive" and launched a cash-burning subsidy strategy. There are considerable discounts on products, which has attracted many new users.

Because Shunfeng Express operates several businesses, Li Xiuqin has the confidence to start this "traffic offensive".

So Shunfeng has been very busy recently, because of its popularity, many courier companies have caught up with Shunfeng, and their prices have also caught up. Although Shunfeng has developed, it still feels a lot of pressure.Fortunately, Pan Rui is still responsible and has been dealing with the downwind.As for Fang Jiming, needless to say, he was completely throwing away the shopkeeper.This is especially true for Wang Li, he has long been reluctant to leave, managing the company?nonexistent.

The competition in the e-commerce industry has entered a white-hot stage.This is beyond anyone's expectation. Some electrical appliances have also opened e-commerce channels.

In comparison, Taobao seems to be a bit of a state of "he is strong, let him be strong, and the breeze blows the hills; he lets him be tyrannical, and the bright moon shines on the river", and he is unmoved.In fact, Fang Zhiming also understands that in terms of burning money, Taobao, which has not yet started financing, will definitely not be able to compete with Dingding.com, which has raised more than one billion yuan, let alone those e-commerce companies that specialize in electrical appliances.People have already completed capital accumulation, and Taobao does not have an advantage at all when fighting internally.

What does Taobao rely on to win?
Fang Jiming thinks it depends on payment.

Alipay is bound to Taobao, and now it is also negotiating with the bank to open SMS payment.Although the results will not be seen in the short term, Alipay is bound to open a bank card for online banking. Although it still needs to go through UnionPay, it greatly simplifies the payment.Because UnionPay money can be directly recharged into AliPay.

The convenience has increased, but the payment risk is also higher.

Fortunately, there is a second layer of password protection, otherwise the risk of QQ being stolen is also high.

The most important thing is that Feixun can help the bank develop the SMS verification system, and the bank has been a little bit relieved.Because online banking payment can indeed increase the business volume of the bank, especially the value-added services of Feixun and the payment volume of Taobao, which make the bank a little bit excited.If all can be transferred out through the bank, it will promote the business development of the bank.

However, this kind of thing will take a long time to promote, and it cannot be accomplished overnight.Fang Jiming thinks that it is very good to launch this year.

Alipay can keep the money in the account by recharging, and there is one less procedure for online shopping. This payment experience has made many users stick to the Taobao camp.Of course, the most important thing is that Taobao has a lot of personal online stores, and the prices are also cheap, so many users feel that Dingding.com is expensive, which is also the reason why Taobao users are strong.

Just as Fang Jiming was staring at the website of Dingding.com in a daze, the phone rang suddenly.

It was Guo Wenda calling.

"Hello? Is there something wrong?"

Guo Wenda said excitedly: "The Industrial and Commercial Bank of China has already nodded, and the mobile banking business can be implemented!"

"Ok?"

Fang Jiming was frightened, "Really?"

"Really, under our lobbying, ICBC has already contacted China Mobile. We will send the developed system to see if China Mobile will let go." Guo Wenda is also very excited. He knows too well that if it is completed , then AliPay will be the first payment tool to realize SMS verification payment.

The most important thing is, once the SMS verification payment arrives, is the PayPass password payment that cooperates with the bank far away?

Fang already proposed in the morning that he would move forward in the direction of binding the bank card opened for online banking and using the PayPay password to pay.To put it simply, when using Taobao, Feixun, Pingping.com and other webpages and apps with payment channels, you can directly pay with the AliPay password, and even SMS verification is saved.

Only payment tools can be invincible.Fang Jiming knew too well that in his previous life, Alipay was able to stand tall because of Alipay's great contribution.And Tencent is also good, and Tenpay is also flourishing. Relying on the powerful social capabilities of WeChat, Tenpay's market share has gradually surpassed Alipay.But for ordinary people, WeChat payment and Alipay payment are the same.What's wrong with binding two payment tools with the same card?
This is the reason why Ali and Tencent have established their leading positions in the domestic Internet.

Just think about it, the capital generated by the huge amount of funds alone is astonishing.If it weren't for the state's regulations to ensure that the amount of money cannot be moved, Ali and Tencent would have used the money to invest long ago, right?Even if there are regulations, are there still few places where Ali and Tencent invest?
As for other Internet companies, as long as they provide value-added services, they basically cannot get around the framework of these two companies.Even manufacturers like JD.com can support a little bit and have their own payment system.But due to the number of users, the scale is not large.

Fang Jiming immediately said: "We must follow up on this matter, and strive to realize SMS verification payment as soon as possible." Fang Jiming is too clear that once the payment tool reaches this point, as long as he does not risk his life and actively cooperates with the national Internet financial policy, then payment Tong Tong is equivalent to winning the gold medal for avoiding death that cannot be lost.

As long as there is AliPay, even if the enterprises under Fang Jiming's name collapse, there is still a chance to recover.

The most important thing is that although Alipay is Fang Jiming's company, it is 100% controlled!Because AliPay is a company!It is not a vassal of Feixun, nor is it a subsidiary of Feixun.

Fang Jiming is very clear that the payment tools of the Chinese cannot allow foreigners to infiltrate capital.Even if shares do not represent operational control, Fang Jiming does not want foreign capital to occupy most of the shares.The most important thing is that Fang Jiming does not want the payment tool to be controlled by capital, like Ali, who was forced to operate Ant to go public, but was urgently stopped.

why?

It is because the country is afraid of foreign capital interfering in the domestic financial market!

Guo Wenda couldn't suppress his excitement, and said, "Fang Dong, when will we launch SMS verification payment?"

"Follow closely." Fang Jiming said earnestly, "Currently China Mobile and China Unicom have more than 2.8 million mobile phone users. At this rate, it will only take a few years to exceed 5 million. We must Occupy the first-mover advantage and start Taobao!"

How important is first-mover advantage?

Fang Jiming was too clear.

If Ali had no first-hand advantage, WeChat, which was only available in 09, would have beaten Ali to the ground long ago.

That is to say, with the first-mover advantage, Alipay can barely support under the powerful offensive of WeChat Pay.

(End of this chapter)