Age of Dreams

That is the day when Xiao Qi returned to Rongcheng, Xiaoyao Mall officially opened the vigorous Spring Festival strategy. ⊙ novels,

"Let Xiaoyao Mall buy new year goods for you!" This slogan has been advertised since Christmas in December, and now on January 14th, nearly 500 million has been spent on advertising. The national TV platforms, paper platforms, The three advertising platforms on the print platform are full of promotions of Xiaoyao Mall.

The publicity on the Internet is even more overwhelming. Almost all online shopping users have received no less than three electronic special offer orders. Countless people have already geared their hands and want to grab the first time.

Xiaoyao Mall already has ample experience in festival sales.

For example, this time, they are still using the most dazzling and best-selling products for six time periods each day for limited time limited special promotions.

9 a.m., 12 noon, 3 p.m., 6 p.m., 9 p.m., 0 a.m., each time period such as department, 5000 dreampads, 5000 dreamstars, 8000 Canon compact card cameras, and 10000 Changhong LCD TVs , 20,000 bottles of Moutai, 30,000 bottles of American deep-sea fish oil, 50,000 bottles of Wuliangye, 80,000 boxes of Chilean cherries...

It seems that there are a lot of these things, but if you are scattered among the more than 300 million online shoppers in China, it is not too much at all. It can even be said that many things must be grabbed before they can be snapped up.

In fact it is the same.

As soon as the first wave of limited-time limited special products was released at 9 o'clock in the morning, they were all robbed in just 5 minutes. Among them, Dreampad and Dreamstars are not the fastest, and the fastest is the free shipping. The 52-degree Wuliangye of 299 yuan and the 53-degree Feitian Maotai of 599 were all robbed within 1 minute.

The most feared thing on the Internet is buying fakes. Even in real life, fake Wuliangye and fake Moutai are also emerging in endlessly.

On the contrary, it is here in Xiaoyao Mall, because it is a model of buying and selling by yourself, everyone can find people anytime and anywhere if there is a problem, so Xiaoyao Mall is easier to trust than offline physical stores.

The Spring Festival is meant to drink. Ordinary two or three bottles of wine can go on at a party, let alone the entire Spring Festival period.

The price is 10% cheaper than outside, plus the insurance of the Xiaoyao Mall. If it weren’t for the Xiaoyao Mall’s limit that everyone can only buy a box of 6 bottles of alcohol, it’s not allowed that someone would just take it in one pot and do business.

In addition to these best-selling limited-time limited special products, other products in Xiaoyao Mall also started large-scale promotional activities during this time period.

Most of the atmosphere of the shopping festival is out of speculation.

Looking forward to the fiery festive atmosphere of this Spring Festival. Xiaoyao Mall is aimed at various Spring Festival sales promotion, which are at least 5% cheaper than usual, and many also offer 10% off. In the era of online price comparison, the price is relatively transparent. With such a 10% discount, Already make users happy.

Online shopping and credit card shopping actually have many similarities.

Credit card shopping is the easiest to max out credit cards because you are buying things. You don't need to count money from your purse. Naturally, you can't feel the pain of the red hundred-dollar bills leaving you. So I kept buying, buying and buying, and I didn’t know if I ended up spending tens of thousands of dollars.

The same is true for online shopping. It is either recharged to the Xiaoyao Wallet, or directly connected to a savings card or credit card. Even cash on delivery is the same. You can only touch the wallet when the goods arrive in front of you. Therefore, of course, I can't feel spending money, and I will buy a lot of things without knowing it.

This is the case with these users who are rushing to buy things. Originally, they only wanted to buy a few things that they liked and necessary. But after looking at them, there were seven, eight or more things in the shopping cart unknowingly. Then click directly to pay or cash on delivery.

Some scholars have studied that with the atmosphere and relaxation, people can easily buy many things that are not in short supply. Therefore, under the influence of this mentality, the sales of Xiaoyao Mall on the first day reached 5.8 billion. The astronomical numbers are not surprising at all.

Many people only saw the hot sales in Xiaoyao Mall, but many people did not see that Xiao Qi actually still has a move that is very important to the future layout.

After the Fairy Bank opened, Xiao Qi vigorously promoted the users of Xiaoyao Mall and Taobao.com to handle Fairy Bank accounts and Fairy Bank credit cards.

Especially for the Fairy Bank credit card, Xiao Qi announced that all users who use the Fairy Bank credit card will not have to pay any handling fees for shopping in Xiaoyao Mall and Taobao.com.

The biggest advantage of a credit card is that in addition to the convenience of swiping the card, you can spend money first and then repay it. It belongs to the category of borrowing and spending. It is called "advance consumption" with a slightly better name.

Many people buy things because they have insufficient cash and deposits. They think that it is good to have a credit card line of 10,000 or 20,000, and they can buy good things directly. As for how to repay after spending money, let’s follow. Let's talk about it!

However, there is a disadvantage to using a credit card for online shopping, that is, when you use a credit card, you need to pay a 1% handling fee to the bank.

However, Taobao now does not allow users to implement this rule. Such a large-scale credit card handling fee is paid by Taobao.com, which has greatly increased users’ enthusiasm for using credit cards, and will also increase their enthusiasm for using credit cards. Users are attracted to Taobao.com.

But this kind of subsidy is not certain to continue, especially as Taobao.com has more and more users, and more and more credit cards are used. The daily transaction fee of tens of millions and hundreds of millions is also for Taobao. A great pressure.

Therefore, after cultivating the consumption habits of most users, Taobao.com officially announced in 2011 and 2012 that it would no longer subsidize credit card handling fees, except that the one-month credit card consumption limit of 500 yuan was still free. The cost is negotiated between the buyer and the seller.

Although 1% is not much, many people wondered why I have to pay for the handling fee when I swipe my card. In shopping malls and restaurants, aren’t there no handling fees?

In fact, this is also a misunderstanding. In shopping malls and restaurants, if you swipe your credit card, you have to pay the handling fee to the credit card issuing bank and the clearing center. However, the money is usually paid out by European-style shopping malls and restaurants. On the sheep, this money is already included in the money you consume.

Online shopping is different. Take Taobao.com for example. After Taobao.com gave up credit card handling fee subsidies, the profits of small and medium sellers on Taobao.com were originally small. If they came out with a 1% handling fee, the cumulative amount It is also a big expense, so these sellers usually let the buyer pay 1%.

Of course, the buyer felt uncomfortable, and felt that the seller was too stingy, so there were too many wrangling things.

Before the opening of Fairy Bank, Taobao.com and Xiaoyao Mall were both burdening users’ credit card handling fees, but after the opening of Fairy Bank, Xiaoyao Mall announced that it would charge a 1% handling fee for all credit cards except Fairy Bank. Then Taobao.com, which is controlled by Xiao Qi, also announced the same policy two or three years in advance.

Although it is only a mere 1% of the handling fee, there are definitely a lot of people who turn to the Fairy Bank to apply for a reference card.

In a few months, the Fairy Bank credit card has processed more than 7 million credit cards, and it is no pressure to break through 30 million in 2009.

If you have a credit card, you will get a user's credit information, which is a very good thing for increasing the users of Fairy Bank.

Now is not the best time for Fairy Bank to develop users. When online shopping develops rapidly, the vast majority of shoppers in the 16-50 age group will be able to exceed 100 million credit cards alone.

Then, there is the next mobile payment terminal, which also needs to be bound to a bank card. Whether it is Taobao, Xiaoyao Mall, WeChat, etc., you can bind the savings card and credit card of Fairy Bank first, and then you can increase user.

The last online financial product is also produced by Fairy Bank. This network-free financial product will increase the number of middle-aged and elderly people to open accounts.

After such a trilogy, Fairy Bank can achieve at least 300 million user groups, which is at least the top ten in the banking industry in China.

On the other hand, Fairy Bank can also conversely group several fairy-line companies. After the Fairy Bank develops and grows, it will in turn give these companies strong financial support for their development and overcoming difficulties~ www.readwn.com~ In this way, it has reached Xiao Qi's previous vision.

In Xiao Qi’s ideal vision, the Fairy Bank is the center of the heart, the Fairy One, Xiaoyao One, and Taobao One are the skeleton, and some other well-run holding companies are the flesh and blood, thus forming a The real giant of the consortium.

Diversification is a necessary goal of a consortium.

Companies whose operating conditions are too singular are often not very capable of resisting risks.

No matter how powerful the online commerce is, it must be coordinated with offline carriers.

The banking industry can never be completed online, which is impossible in developed countries such as Europe and the United States!

On the land of China, banks are involved in many aspects. Even if they are private banks, the state will not allow them to fail. This adds another insurance to the Xiao consortium.

Therefore, the Fairy Bank is indeed an important finishing touch in Xiao Qi's career empire! (To be continued...) u