Winning the new financial era

Chapter 372
Someone in the audience asked: "Mr. Zhang, Ruixiang has changed its name to Digital Technology Group. Is it de-financialization?"

"No," Zhang Yida shook his head and chuckled, "The financial industry is just one of the many industries that Ruixiang will serve in the future. In addition, there will be IT, retail, agriculture, etc."

"What does it mean that Ruixiang holds many financial licenses other than trust?"

This question was very tricky, and many people gloated at Zhang Yida on the stage to see how he would answer.

It is no secret in the industry that Ruixiang holds more than one billion financial licenses.

It has been checked by the self-media for a long time, and the financial licenses held by Ruixiang are no less than those of Penguin and Leech Financial Services, and even much more than those of Qiandu and Goudong.

He says he doesn't do finance, but his body is honest.Zhang Yida, are you willing to give up such a profitable business?
"A financial license is a necessity for us to link users. For example, without a payment license, how can Mobao Pay develop its business?

Operating without a license is illegal. "

He made a small joke, and Zhang Yida rounded up the problem.

Users in the audience also thought it was reasonable. Without Mobao payment, would Ruixiang Group have the size it is today?
Isn't this a joke?
It is not contradictory to engage in finance and engage in digital technology!

"Ruixiang's transformation into a digital technology group, and the launch of the Ruixiang Mini Program, is there any connection between the two?"

"Yes," Zhang Yida nodded, "Sharp will provide many products and services in the future, and the mini program is just the first step."

"Could you tell me more about the making method and application of the Mini Program?"

Zhang Yida said: "Okay, then I will explain in detail.

There are two ways to make mini programs. The first is the self-developed mode of merchants. Merchants enter the investment platform by themselves, download the IDE for coding and debugging, submit for review and pass it, and then go online;
The second is a third-party development model, including template development, plug-in development, and generation development...

For specific applications, let me take the fund industry as an example!
Tool applets, for example, fund companies make a rate of return calculator to help users calculate accounts;

Activity mini-programs, such as making a fun game, can attract users to buy funds;

Small service programs, such as market analysis and investment education products, can help fund companies attract fans.

Before the mini program came out, the six major financial supermarkets could only use the user retention of Touronghui to operate traffic within the app;
However, with the emergence of small programs, financial supermarkets have found a way to get out of investment and financing, breaking the original traffic barriers.

For example, partners can use pictures and QR codes to send promotional posters to other Internet platforms, which can attract more traffic..."

Many audience members laughed, this is to arm everyone and go to the major Internet platforms to "steal" traffic.If you do this, I'm afraid you will be banned!

"In addition to the six major financial supermarkets of the platform operation business group, Ruixiang has four other business groups.

Including Mobao Payment, Mung Bean Credit, Yongbai, Daibei, Changqianbao and many other products.

Will Sharpward open these products? "

It was a good question, Zhang Yida gave the questioner an appreciative glance.

Slowly said: "Rui Xiang has five major business groups, one of which is called the Open Technology Business Group.

The open technology business group Mobao Payment, Mung Bean Credit, Tiance Technology, Ruixiang Super Brain, Ruixiang Cloud and many other products.

These products, since their establishment, have been open to cooperation with B-end companies, exporting our technology to help B-end customers better serve C-end users.

We have been cooperating with major banks for the two products of Yongbai and Loanbei.

Ruixiang is responsible for customer acquisition and risk control review, and the bank is responsible for providing funds.

We will continue this win-win cooperation model.

As for Lingqianbao, Hantai Fund, a joint-stock company of Ruixiang, has been providing services before.

Next, we will introduce several fund companies to provide users with more abundant products.

For users, competition will lead to better products and services.

We will uphold this concept and carry the openness to the end! "

Niu, many audiences in the audience understood that Ruixiang was not just talking, he was really doing it.

In this way, compared with self-operated finance, who is more profitable?Many viewers worried about Zhang Yida.

"Are the four independent apps, 365 Accounting Manager, Card King Credit Card Manager, Diandianchou, and Jinniu Finance, open?"

Zhang Yida smiled and shook his head, "These four apps provide services for users, not platforms.

On the contrary, the four companies will join the public beta of the Sharp Mini Program as the first batch of people who eat crabs.Everyone is welcome to come and experience. "

"Which companies participated in the first batch of public beta testing of the Ruixiang Mini Program? Can Mr. Zhang reveal it?"

"The number won't be too many," Zhang Yida said with a smile, "but it's not too small. There are hundreds of them. Everyone will know in a few days."

"For developers, does Ruixiang have any policy support?"

Zhang Yida said with a smile: "There must be policy support, and Ruixiang plans to launch a "Scattering Beans into Soldiers" plan.

In the next three years, 10 billion yuan will be invested to support partners, benefiting and serving 100 million developers and 1000 million small and medium-sized merchants. "

10 billion yuan, it can only be said that talking is better than nothing.

Many developers in the audience don't pay attention to this, but to the 5 million users of Ruixiang. This is a big piece of fat!
"In addition to the financial industry, Mr. Zhang, do you think you will also empower other industries with technology?"

"Yes, it's not just finance. Ruixiang wants to benefit more industries and users with digital technology."

The questioner asked again: "Mr. Zhang, can you give me an example so that we can understand it more intuitively."

"Okay, let's take the retail industry and the travel industry as an example!"

Zhang Yida also said, "Ruixiang plans to release an industry solution called "Retail Link", which is mainly to help retail enterprises connect online and offline CRM (customer relationship management) systems and promote the transformation of new retail.

Yongbai has also been developing the layout of offline consumption installments, which can be combined with new retail.

The consumption installment product solves a pain point in the retail industry, that is, the contradiction between the user's consumption desire and consumption ability.

In the future, retail enterprises can flexibly use the tools provided by Ruixiang to independently configure user marketing activities to drive sales growth.

For example, if you use "Yongbei" to buy a certain product in a certain store, you will get a discount.

For the tourism industry, Ruixiang has reached a cooperation with Ctrip.

Users with high scores of mung bean credit will get a certain degree of convenience in going abroad for visas in the future.

For example: apply for a mung bean credit report as a proof of financial and performance ability for visas from certain countries.There is no need to apply for cumbersome work certificates, financial certificates and other materials. "

The more the audience listened, the more excited they became, and they asked how Zhang Yida empowered agriculture with technology.

There are many applications in the agricultural field of intelligent solutions of Internet of Things, big data, artificial intelligence, blockchain and other technologies.

For example: soil detection, pest protection, yield forecast, livestock and poultry disease early warning, etc.

Zhang Yida focused on the Internet of Things + AI pig raising.

Wear equipment for pigs to achieve continuous temperature measurement, and then automatically diagnose the deep state of pigs through artificial intelligence algorithms.

When the body temperature of pigs is abnormal, it will automatically alarm to realize early warning. At the same time, it can predict the best time of conception and establish the best breeding model for the farm.

In addition, the monitoring video can be analyzed through artificial intelligence, eliminating the cumbersome steps of manual data entry.

Continuously record the behavior of each pig for 24 hours, with functions such as pig management, stock count, personnel behavior broadcast, pig movement tracking, etc., providing a complete set of intelligent vision solutions for pig farms.

The press conference ended successfully and lasted for four hours.

At the meeting, Zhang Yida announced a number of policies, and also presented many technologies that have been developed for two or three years.

The media, Internet, and financial circles paid close attention to this conference.

After analyzing the content of the meeting in detail, many people came to a conclusion: Rui Xiang is drifting away, he is no longer engaged in good financial business, and plans to climb the technological tree.

The financial company is gearing up, planning to launch two small programs to test the water and see if it is really as good as Zhang Yida said.

Many small start-up companies on the Internet also want to come and hold their thighs to see if they can contact development work.

The media world is even more exaggerated, and all kinds of praise are put on Ruixiang's head.

He also said that Zhang Yida has lofty aspirations and is not willing to be limited to the financial industry. He wants to promote scientific and technological progress, social progress, and human progress.

Stimulated by this news, Leech Financial also announced in a high profile that it will soon launch its own mini program.

But Penguin is more direct, and the mini program was fully launched the next day, attracting the attention of the society again.

The four companies Goudong, Didi, Meituan, and Toutiao were also brought in by the melon eaters to discuss when to launch mini programs and compete for the third place in the Internet industry.

In terms of Qiandu, the Wei Zexi incident had just subsided, and he was still struggling with the plummeting stock price and ugly financial report, and became an invisible person for a while.

It's true that I can't make a high profile. I was scolded miserably last year and was still licking my wounds in the corner.

……

"Yida, the people below are ignorant, so don't be offended!"

Hu Gang's phone call came, and his hearty laughter made people feel good.

Zhang Yida can only say that he admires this.Hu Gang is a good example of what is a big boss and a hero, he can bend and stretch.

After Ruixiang held a high-profile product launch conference, it quickly completed the product replacement of Lingqianbao.

From one currency fund of Hantai Fund, it quickly became five, and the other four were Zhongnong Gongjian.

Hu Gang was also dumbfounded, he just wanted to warn Zhang Yida once or twice, and hoped that the other party would be soft.

As a result, Zhang Yida's counterattack was fierce.Regardless of the damage to their own interests, they just brought in four fund companies.

Among the Hantai funds, the monetary fund contributes at least [-] million profits a year.

Now that there are four more fund company points, at least 2 million profits must be removed.

You Zhang Yida lost a small goal all at once, won't your heart ache?Still not a qualified businessman?

(End of this chapter)