Salted Fish’s Self-help Strategy

Chapter 1064: Mobile payment in island countries

When Lao Fan and Wuwei left, Chu Yuanxi immediately sank her face and said to Yuan Mu: "Go and check our cash to see how much we have left by December if we don't carry out the next round of financing. It means that the consumption of the magic capital is also included."

   "What are you doing?" Yuan Mu asked stupidly.

   Of course, Chu Yuanxi didn't think Yuan Mu was really stupid, she just didn't know that the "I Serve" being filmed by the Pakistani people was actually a well-off big move. Enlarging moves needs to be energized, and dysfunctional big moves have no soul. Counting cash, of course, is to calculate how much anger is left in a well-off society.

   At this time, he felt a little lucky. Fortunately, he had eaten the fresh food pre-warehouse startups and didn't use the precious cash. Actually speaking, the Pakistani people still have money in their accounts, more than 20 billion, but it is really unlimited to use this money, just like the unlimited QE printing money under the leadership of the United States, it is very addictive and very easy. It's exhausted, and the Pakistani people also need money later. No one knows how much money will be used in the future. You can't develop this habit when thinking.

   "Oh." Yuan Muxin said it was going to be bad, what did Chu Yuanxi plan to do? 4 billion is not enough? Pinduoduo's tens of billions of subsidies burned money, which was the same level when the Nasdaq collected money.

   After speaking, she raised her phone. Chu Yuanxi had been chatting just now. It was polite not to look at the phone, but Yuan Mu did not look at the phone. He had a lot of time to look at the phone. There was an urgent reminder from Xu Xin.

Chu Yuanxi had the opportunity to look at it at this time. It turned out that Xu Xin said that according to her sources, Ali had held frequent internal meetings recently and discussed about Xiaokang from all angles. Even the Pakistani group is re-examining it. .

   Examining the Pakistani group? Chu Yuanxi said that this is easy, as for the old employees of Doba games! Xiaoqun Yuan Mu has already asked why. Xu Xin said that it was based on inaccurate sources. It seemed that Ali had observed some new trends in the island country. The keywords were "mobile payment" and "724", and then followed In this tracing, we pay more attention to exploring the creativity of well-off in local life, and strive to see the essence through phenomena, and see through the overall design ideas and top-level structure of well-off business.

   There is a word in Chu Yuanxi's heart-cheating! Dodging left and right, he was still killed by Sun Dasheng in the air!

   During this period of time, relying on Ikoma's family's bag to inquire, he has become a little bit darker on the island country than the previous two. In the island country, 724 and Sun Dasheng jointly established a subsidiary specializing in mobile payment, and then used the time window of 724 to establish its own membership system to promote mobile payment simultaneously.

   Anyway, the mobile payment itself also has to subsidize users. The 724 membership system is a shameless copycat. The strength of coupons is not that big, but there are many categories and complex structures. It is also a combination of limited-time discounts and fixed discounts. In this way, the promotion of mobile payment is a multiplier effect.

   It is definitely impossible for Chu Yuanxi to say that he is not awkward, because the island country, mobile payment, was originally a joke. How ridiculous is it? The QR code itself is an invention of island scholars. In 2018, the island government announced a cashless vision to achieve 40% non-cash payment by 2025. It is absolutely supported at the policy level, and there is an additional 5% tax rebate for merchants who receive non-cash payments. .

   In this context, mobile payments in island countries are done one by one. For example, the social hegemon of the island country L is like WeChat among the young people, but no one uses LinePay. Probably, until today, Line has not understood the major points of mobile payment and how it should be promoted.

   And Sun Dasheng also launched a PayPay, and at the same time used 15 billion yen for the promotion of shopping cashback. The idea is similar to UnionPay Cloud QuickPass, but the result is generally the same. It has become the carnival of the wool party, and then no one is interested. This is obvious. WeChat and Alipay’s homework are not easy to copy. At least Sun Dasheng didn’t figure out how to copy, and copying homework requires a certain level.

   The most funny thing is that, as a dominant convenience store and a mobile payment company, 7pay launched 7pay on July 1 last year and closed for three days.

   In fact, Chu Yuanxi really cared about this in July 19th. At that time, he had already started to look at the well-off store on the face of 724, and it was impossible for a competitor who had established himself to not care.

   As a result, when people promoted 7pay in the island country, they required users to use their email address as an account, instead of using mobile phone number registration and SMS verification like Guochao. There is a problem of retrieving the password when registering with email. 7pay needs to retrieve the password for the birthday, but the birthday option of the user registration is January 1, 2019 by default. With the default, the user can skip this step.

   So far, it’s not really outrageous. There is one last firewall, but 7pay says no, you don’t! When you retrieve your password, you can fill in a new mailbox for receiving!

   means that for users who skip this step, anyone who has some hacked data and knows his usual email address can get his password back. Therefore, it only took 3 days for the users of 724 to lose a total of about 3.5 million RMB. This project immediately rushed to the street, and even the mobile payment rumors were killed, and the island users were even more repelled...

   When Chu Yuanxi heard about it, she couldn't believe her ears. She asked if the person in charge of this project should kill himself in ten words? But it really happened in 9012...

   The above three cases describe the same simple and clear thing from different angles, that is, there is no old driver on the island country to lead the way, and there is no way to know where to step on the accelerator of mobile payment! Both Ali and Penguin's mobile payments are not replicable, and the replicable cloud QuickPass is not a high score answer. In this case, what are the extravagant talks about cashless transactions reaching 40%? Need to break the ice first!

   But now, Xiaokang came up with an answer, and 724 copied it away before Xiaokang could prove it was a good answer. It may be that 7pay failed so badly that 724 used the psychology of redemption to promote this matter?

   This is the reason why Chu Yuanxi is not in a beautiful mood. He accidentally made a huge contribution to the island country and became an old driver who helped the island country’s mobile payment business break the ice!

   Fortunately, 724 stealing a teacher from a well-off society is not all negative factors in itself. Although it will make Penguin and Ali pay more attention to the threat and energy of the well-off society, it also implicitly endorses the well-off, especially in the financial circle.

   We must know that the majority of domestic financial practitioners who have no brain worship the West. Those who have studied for so many years have been Keynes. When it comes to Western economics, they are all righteous. 724 is a beacon-level existence in this circle. Now 724 shows that the cottage is well-off, what kind of tower is well-off? At least brighter than the lighthouse, right?

   But this can't make Chu Yuanxi feel better, because there is no use for birds, unless a round of financing is done now, which is good for the valuation. But now is not the time for financing. A reasonable time is when the money from the previous round of financing has been fully used, it will become positive data, a reasonable cash flow, a dynamic asset, and With solid underlying support, this is the right time for the next round of financing.

   Unless you are extremely hungry for funds.

   Chu Yuanxi can pat his chest and say: "No one knows how to be hungry for funds better than me." But only in this way, is he unwilling to enter such a hungry state.

   Yuan Mu saw that Chu Yuanxi's face was not very good, and asked carefully: "Speaking of Chu Yuanxi, are you a little lacking in confidence? I admit that Ali is under a lot of pressure, but weren't you optimistic before?"

   "I am not confident enough?"

According to the description of the martial arts novel, Chu Yuanxi was called "Weird Eyes Flip" at this time, and then he happily said, "I don't want to be hard-mouthed, but Ali should solve their internal problems first. I will sell it today and make an offer. 80 billion, maybe Wuwei gritted his teeth and agreed. But money is not everything, and Ali’s problem cannot be solved by money now."

   "What's the problem with Ali?"

   "The problem is big, it's the challenge of Pinduoduo, the problem of strategic direction." Chu Yuan Xixin said that it is not once or twice that we organize executives to research the market collectively on weekends. Have you never felt that Ali has a problem? "Ask, where do Pinduoduo users come from?"

   "A knife?"

   "Yes, it came from WeChat. Then if Ali is sniping Pinduoduo, how should he sniper from the user side?"

   "Hey, this question is too big..." Yuan Muxin said that my palace is a CFO, and I don't understand operation matters!

I saw Chu Yuanxi shook his head straight: "I should have asked Wuwei this question just now. Have you thought about it? In essence,'slashing a knife' is a kind of'activity'. If you engage in activities, I will also engage in activities. After all, Alipay has Huabei, but WeChat does not, naturally stand at a high point in the payment dimension. So my answer is that Alipay should come forward to engage in activities.

   This is called a strategy, Alipay engages in activities, pulls users to Taobao, or simply restarts Juhuasuan, or even Juhuasuan can be made into an independent APP. In short, through Alipay, users are intercepted and sent to the Taobao system. The volume is used to squeeze Pinduoduo, and Ali's more complete payment ecology can cover the advantages of Pinduoduo. Pinduoduo has only one selling point, which is cheaper. . "

   Yuan Mu understood right away, because she knew exactly what Ali did in the same period. At the same time, what Alibaba did was to improve Taobao's sales performance, launch new products, and offer special prices, so it once made a terrifying GMV.

   But after making the GMV that it claims to make the competitors desperate, I regret to see that Pinduoduo runs faster and faster without any impact. This is quite embarrassing, because GMV is not a profit, and it has not brought any substantial growth for Ali's size to the top.

   This should be why Chu Yuanxi thinks Ali's strategy is wrong.

Just listen to Chu Yuanxi continue to say: "Moreover, Ali's two super national apps, Alipay and Taobao, are not synergistic. Alipay is upgraded and revised, and the banner is'digital life open platform'. This strategy is very clear, but there is no Taobao. Nothing... It’s not all bad news. The good news is that you’re hungry. Recently, you are fighting back against Huang Tuan strongly. This time you are fighting back from the merchant side, killing people invisible. You are Ali’s shopkeeper, do you have a lot of work to do? do?"

   Yuan Mu suddenly felt that his mentality was not so heavy, and the pressure Wuwei brought was also a little lighter.

   However, Chu Yuanxi's pressure did not decrease, so he transmitted the pressure downwards and put forward a higher speed requirement for opening a store on the Modu side.

   Actually, the progress of the magic city has been pretty good, not because of the outstanding people or the high recognition of the convenience store culture, but because of the foundation of the capital and eastern Guangdong province, and the manpower is relatively ample and flexible. The process of proliferation of well-off to the country must be gradually accelerated, because the number of people is increasing, the more people, the greater the flexibility and the stronger the fault tolerance, at least in the aspect of opening a store.

   And the foundation laid by the first three cities is not only reflected in manpower, but also in the sustainability of capital turnover, the relationship with the supply chain, and reputation. The more solid the foundation, the more places you can borrow when expanding new areas.

   Especially cash flow is easier to maintain above a healthy level. For the use of funds, the simplest phenomenon is that when there are only 100 stores, opening a store increases the burden by 1%, but when there are 1,000 stores, the increase is only 1‰. The larger the scale, the lower the pressure. Therefore, in fact, Chu Yuanxi still maintained restraint. If it is really released, several cities should be stationed together. The planning, the itinerary methodology, and the logistics and storage can be built in advance, and then they can start to open the store, which is more efficient.

   In the process of opening a store in Magic City, Xiaokang will adopt a similar approach. In the future, many provinces and cities will go hand in hand. It is not impossible to compete with the original Suning store. There are 7 stores a day.

   There is also a very interesting phenomenon during this period, that is, there are more LBS games in the world. I don’t know if it was stimulated by "Dynamic Forest" or because of the city treasure? How many of them really are commercial types, it seems that the city treasure is quite hot and intends to copy it?

   This phenomenon really aroused Xue Jianhua's vigilance and reported it to Chu Yuanxi. The reason was that in case any friend bought a game of this type on a whim, and then the whole game would become a well-off online content?

   However, after seeing a few of them, Chu Yuanxi didn't have much interest, because this kind of game is not difficult to see but it is not easy to make at all. First of all, the requirements for maps are extremely high. Small players can only purchase map services, but these services have always been paid for. The accuracy is a little bit worse, and the cost is much worse. Small players can’t save costs. Provide a great user experience.

   The second point is more important, that is, the producer must be delicate, patient, and willing to spend time and money. City Treasure is a project developed after the establishment of the well-off APP team. It took as long as a year. In this way, Chu Yuanxi was still able to overcome various problems and required repeated polishing. Therefore, in his concept, the development time of less than one year is scum, not to mention the development time of less than 4 months.

   Take music as an example. It’s the most inconspicuous in the game. Many mobile game players don’t feel anything unless they encounter particularly bad music and sound effects. However, Urban Treasure has devoted a lot of resources to music. The background sounds are matched to different environments according to different map signs. Some are natural, some are warm, and some have a nostalgic atmosphere, while white noise is used to replace the location of office buildings.

   The so-called white noise is the wind blowing leaves, brushing and pulling, or people passing vehicles on the street, etc. In a commercial environment, white noise is more reassuring.

This kind of meticulously crafted music and sound effects is hard to be extravagant even for a serious game company, because it is almost difficult to obtain map attribute marks directly from the purchased map resources. Even if you want to do the same work without relevant data, you can’t do it. If you must Mark, you have to add money.

If there is any friend in the business who follow Xue Jianhua’s method, Chu Yuanxi would be too welcome. Xiaokang has no rivals in this field for the time being, and therefore lacks the stimulation of competition. Fighting will help improve the organization and boost morale. Don't be too strong.

"I'm a professional game player. The Pakistani people were once regarded as a game company." He taught Xue Jianhua. "These so-called LBS games are just looking to bluff people. There is no chance. They are even more incomparable with us. Soon Dead, don't worry about it. But..."

   "But what?"

   "But what do you think would happen if a scam company made such a game and played a side ball?"

   is different from doing serious things~www.ltnovel.com~ What scammers need is not a high-quality user experience, but a solution to whether there are problems, it seems that something is going on. In particular, it can still hit the edge of the ball and the heat of being well-off. Wouldn’t it be wonderful to invent a few specious deceptions on this basis?

No way, Chu Yuanxi has entered a state of extremely high alert level since the health coin was put on the chain. The most indispensable thing in the world is the liar. When the well-off becomes bigger and bigger, he will attract the attention of the liar. Without being shifted by human will, Zhang San and Li Si were killed.

   Unless the well-off society develops to the national level, such vigilance must be normalized. After developing to the national level, leeks are not easy to be fooled. For example, the scammers who used Jack horses as guise were rampant, but later disappeared because everyone knew that Jack would not do this. Even if they did, they would use Alipay. .

   But there are a lot of people who abuse Jack’s image to advertise and compile what Jack said to enhance their credibility.

   In short, the investigative department of the well-off society has to be energetic. The open gun is easy to hide and the arrow is difficult to defend. When the well-off is on the blockchain, it is easy to recruit black physiques. If there is no enemy, everyone will stumble. This is also the reason why Chu Yuanxi chose to take a solid footing this time instead of directly suffocating big moves. Although the original world was crazy to subsidize users, but it was not on the blockchain anyway, it was not so easy to attract the favor of scammers.

   The whole month of August was quite busy. At the beginning of the month, Zhao Jie really started the platform test. The scope of the test is extremely small, and there is even no information about the laborers in the traffic pool, but the direct labor of Chu Yuanxi.

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