Rebirth Starts From 2006

When it comes to Tenpay, many people may not know much about it.

Because compared to the old enemy Alipay, Tenpay, as the core of Internet finance under Goose Factory, exists in the form of a platform and is not well known to the public.

What does platform mean?

Everyone doesn’t know about Tenpay, but everyone must have heard about Tenpay’s products, that is,

WeChat Pay!

Like Koukou Wallet, WeChat Pay is also an online payment product built on the Tenpay platform.

Except for these two, all the recharge ports of Goose Factory’s games, even Qidian and these reading ports, are provided by Tenpay.

In a more understandable way,

In essence, WeChat is a front-end channel, and Tenpay is used for the back-end business, and Tenpay is used to complete the payment transfer.

In other words, the WeChat terminal completes the business scene, and the background processing application such as the payment transfer system is Tenpay!

Therefore, in a sense, Tenpay is the Alipay of Goose Factory!

It's just that the positioning of the two is different, resulting in a huge difference in the public's awareness of the two.

Ali directly built Alipay into a product, and all the additional functions are installed in this product.

Payment, storage, financial management, bill payment, and of course online loans,

So it looks very cumbersome and bloated, like a grocery store with everything in it,

But it also deepened the impression of users, letting people know that Alipay is not only a payment software, but also a comprehensive financial tool. When users need it, they will naturally open it.

Tenpay is different, it is just a platform, if you want to use it, you need a front-end tool,

In Kou Kou, he is Kou Kou Wallet,

In WeChat, it becomes WeChat Pay,

Clearly distinguish the front end from the back end,

What kind of payment product you want, you can create it yourself, and then connect with Tenpay to realize the transfer payment of the account.

The advantage of this is that the product functions are as simple as possible, it looks refreshing and clear, and there are not so many eye-catching things, which improves the user experience.

But the disadvantages are equally obvious,

The most notable disadvantage is that users in these usage scenarios cannot be interconnected so that their resources can be used mutually.

You may have a Koukou Wallet, or you may have a WeChat Pay account, but you don’t know that these two are actually one family!

In this way, it is naturally impossible to achieve the effect of maximizing resources.

Otherwise, the later WeBank wouldn’t have to work so hard to advertise, just like Huabei, just add a port to the product and it’s over!

Moreover, although Tenpay already has the second largest market share, compared with the leader Alipay, its popularity and market share are too low, and it is simply not an order of magnitude.

This point is similar to some Internet companies that were once prominent but gradually disappeared from the public eye.

Disappearing from the public view is not that their company really disappeared, but that they have transferred their business from the front end to the back end, to do more upstream sectors,

It cannot be said that their choice was wrong,

Maybe they earn less money and their popularity is not high enough, but correspondingly, their ability to resist risks is stronger, and their business foundation is more solid, which can support them to go further.

But as far as the market is concerned, if you lose your aggressiveness, you can only live on your laurels, and you will never hope to become the number one in the industry.

It has to be said that this is also one of the reasons why Tenpay has occupied the No. 2 position in the field of online payment for a long time!

Of course, that is later,

now,

Alipay is still the leader, and Tenpay is still the number two with Koukou members recharging, and goose factory game recharging.

But no matter who is the boss or the second child, they are all trying to survive on the edge of gray,

If you don't get a license for a day, you won't be able to get a regular job for a day.

The first online payment license in China will not be officially issued until three years later.

But three years later, who dares to be sure? !

So, Xiao Ma actually has good intentions. He might be banned someday. How dare he use it to fool Boss Chen? !

But it happened to be such a company that Boss Chen fell in love with!

Seeing that Xiao Ma's expression did not seem to be fake, Chen Yang immediately raised his head, laughed, and said,

"Mr. Ma, to be honest, Tenpay is our first goal. Its importance is even higher than that of Goose Factory!"

"Oh,"

Xiao Ma looked at him puzzled, "Why?"

Isn't it just an online payment, is it so important?

Chen Yang looked at him and smiled, "President Ma, do you know that we have so many companies, what is the core business fundamentals?"

Xiao Ma was just about to talk about Damai's communication, but he swallowed the words, then his expression moved slightly, and he thought for a while and said, "Finance?"

Chen Yang nodded, "That's right, it's finance!"

After receiving an affirmative answer, Pony's expression softened slightly, he looked at him thoughtfully and said,

"Then, what Mr. Chen means is that Rainbow Group intends to enter the personal financial market and expand its business to the Internet field, and this springboard that you are looking at is Tenpay?!"

Everyone knows that Boss Chen made his first fortune as a real estate agency, but he really made his fortune with barley, so many people think that barley is Boss Chen's foundation.

But people like Mr. Ma are very clear that although barley is very important in Boss Chen's career map, it is not irreplaceable.

At least above Barley, there is Rainbow Valley Capital, and alongside Rainbow Valley Capital, there is also Rainbow Fund, which specializes in making money in the financial market.

A rainbow valley, a rainbow, constitute the two poles of the rainbow group,

Caihong Group has controlled hundreds of other enterprises through Barley and Future Innovation.

Now some people in the circle are speculating whether it was Chen Yang who was favored by Rainbow and invested in Barley, or Chen Yang played a game of snake swallowing elephants and used the huge cash flow of Barley to backhand take control of Rainbow? !

No matter which one it is, at least one thing is certain, that is, the person who can call the shots in the Rainbow Department is definitely Chen Yang!

Otherwise, the three giants would not go anywhere, they would all respect Chen Yang,

In this way, what is Chen Yang's basic business plan is naturally ready to be revealed.

And the purpose of his wanting Tenpay is also understandable.

Looking at the pony, Chen Yang nodded and said seriously,

"Banking, insurance, securities, credit, trust, funds, the six major sectors, no matter which direction Rainbow develops, will face a problem, how to build outlets and terminals in front of consumers,

Like major banks, building outlets one by one is time-consuming and labor-intensive, and it is a waste of human and financial resources.

We often regard ourselves as Internet people, and Internet people must have the Internet's way of doing things.

Using a piece of software to directly connect consumers with companies is the most efficient and best way to meet our actual needs! "

"Understood, but,"

Xiao Ma frowned slightly, and said with a puzzled face, "The central bank and the China Banking Regulatory Commission have not issued a clear policy on Internet finance, so it's hard to say what the future will look like.

What if these online payment tools, including Tenpay, are incorporated or even banned in the near future?

In addition, the technical development of this online payment platform is not too difficult. In the case of uncertain prospects, why don't you develop a software yourself to minimize the cost,

Why bother to invest in our Tenpay? ! "

This is the same as investing in Internet companies ten years ago. There is no policy at the top, no market at the bottom, and the future is bleak.

This is Xiao Ma's deepest experience. At that time, it was really difficult to get even a penny in, because if you don't pay attention, the company will disappear, and naturally no one will invest money.

If Chen Yang wanted to gamble on the future, he could completely make another software by himself. With Damai's strength, it would be easy to do this. There is no need to invest in his Tenpay.

Hearing this, Chen Yang smiled and said, "I'm not worried about the prospect. From the general direction, it must be gradually expanded and opened up. After all, no one wants to go back to the past.

Especially in the financial field, after more than ten years, foreign capital will enter in an all-round way. If our own private capital is blocked, how will we deal with those foreign capital predators? "

Pony squinted his eyes and nodded slightly, his words were consistent with his judgment,

Chen Yang continued, "Besides, there is no reason for 100% insurance in investing. If you don't take some risks, how can you get any profit?!

As for why not do it yourself, of course there are very important reasons.”

He said and shook his hands, "For a piece of software, technology is important, but more importantly, it is the application scenario. Nowadays, there are no more than two domestic companies with online payment application scenarios.

One is Ahri for e-commerce, and the other is Goose Factory for social networking and games.

It's either one or the other, since we have a broad foundation for cooperation, why should I go far and find Ari's old horse! "

His words obviously have another meaning,

If you, Ma, don't agree, then I'm sorry, I can only go to Comrade Ma, and as for whether you, Tenpay, can still have a place in the market by then, let's ask for blessings!

Xiao Ma is also an old man, so he naturally understands the meaning, but he doesn't care.

It’s nothing more than this in the business field. If you don’t cooperate, of course I will go to someone else. It’s impossible to hang myself on a tree. If it’s him, he must have the same choice.

Tapping his fingers on the table, Pony squinted his eyes and bowed his head in thought, obviously weighing the pros and cons,

Chen Yang was not in a hurry, anyway, the words had already been let out, and it would depend on whether the other party would accept the move or not.

To be honest, if it weren’t for this kind of online financial tool, which is too limited by the application scenario, he would have planned to make a payment tool by himself.

As Xiao Ma said, this thing is not difficult, and there is no regulation now, as long as you have a place to use it, you can do whatever you want.

But the problem lies in this \'There is a place to use\',

Unlike the so-called online financial tools that focus on credit in later generations, this kind of online payment tool requires a payment scenario.

The most suitable tool for this kind of tool must undoubtedly be e-commerce, which is also the main reason why Alipay can occupy the top spot in the domestic online payment market for a long time.

No matter how bad it is, it can also be used to recharge and withdraw cash, so games and social networks are very suitable for this kind of tool.

What else could there be?

Don't mention offline payment, the current technology can't meet this condition.

This is also the main reason why online payment licenses fell to the bottom all of a sudden after several years of popularity in later generations.

There is no application scenario, you spend more than one billion to buy a license, is there a fart? !

If there is a real need for online payment, it is better to pay a handling fee for Alipay or Tenpay and use their channels directly.

Therefore, Boss Chen has no choice, either to invest in Ahri’s Alipay, or to find Xiaoma to invest in Caifutong.

After a while, Xiao Ma suddenly raised his head and said seriously,

"Mr. Chen, since Tenpay is so important to you, shouldn't what you want are just a few shares?!"

After talking so much, this is the key point. If Chen Yang doesn't want many shares, he can agree now, but it's obvious that what Boss Chen wants is definitely not a little bit.

Chen Yang nodded without hesitation, and extended a slap, "At least fifty percent!"

really,

The corner of Xiao Ma's mouth twitched slightly, what's the difference between that and direct acquisition? !

Can't help but look sad, "If we don't agree, you go to Ari, can they agree to your acquisition proposal?"

Show the impossible!

Chen Yang was not in a hurry, he laughed and said, "To be honest, I really don't want to go to them. When I go to them, it's not buying Alipay.

With Ahri's current total market value, I will directly initiate a mandatory tender offer to the Hong Kong Stock Exchange. I see if they want the company to change hands, or are they willing to give up half of Alipay's shares! "

Hearing this, Xiao Ma couldn't help shivering,

This trick is too ruthless. With the amount of funds of the Rainbow Group, once they act as black knights, I am afraid that any friendly party will not be willing to act as white knights.

In a merger and acquisition transaction, a hunter company that hostilely acquires a prey company is called a black knight, which symbolizes destruction and death,

And the friendly company that protects the prey company from hostile takeover by launching a bidding war is called the white knight, representing hope and new life.

Now that the global financial crisis is raging, who would dare to take the risk of offending a giant to act as the white knight?

I'm afraid there aren't any!

Of course, Xiao Ma is not worried about Lao Ma, he is not so holy,

The main reason is that he is afraid, what if Boss Chen thinks that one sheep is herding and a flock of sheep is herding, he hugs the grass and beats the rabbits, and he also takes over the goose factory, what should he do? !

Although Honggu Capital has a good reputation in the industry for a long time, who dares to pin their hopes on the conscience of their opponents? !

What if they are going to be ruthless this time?

No one can guarantee it!

At this moment, Chen Yang suddenly smiled and said,

"Mr. Ma~www.readwn.com~I think so, in fact, this is a matter of mutual benefit,

Tenpay is in your hands, it is just an online payment platform, the value may be one,

But if it is handed over to Caihong, we will transform it into a financial product, and then combine the users of Goose Factory with Caihong’s financial information to achieve ten times or even a hundred times the effect.

We can even apply this product to all e-commerce platforms, including Jingdong, except Ari, and all other places where online payment can be used, such as Damai Games, Anjia.com, etc. Wait,

Its value can reach one thousand, or even ten thousand,

At that time, not only did the goose factory not lose money, but it also made hundreds or even thousands of times of huge profits. Why not do it? ! "

Don’t think that ten thousand times is impossible. The previous Alipay was only worth one or two hundred million.

More than ten years later, the valuation of Ant Financial has directly reached one trillion yuan. Once it is successfully listed, it will undoubtedly become another trillion-dollar giant, and its value will be multiplied by 10,000 times!