"Look at this circle of friends." Li Nanjun remembered something, opened WeChat, and showed it to Chen Feng: "Yesterday, Tencent Public Relations Director Zhang Jun posted his payment points, but he didn't expect that he would show off his flaunt in the comments..."

Chen Feng was curious to take the phone and actually scored 835 points?

This is not easy. You must know that Payment points are really not treated by Zhang Xiaolong. Like financial products like Change Tong, users enter me - Payment - Wallet - Payment points to reach the page.

All fools know that this is Tencent’s major product against Ant Financial’s Sesame Credit. What is certain is that as an essential element of consumer installment products, the credit evaluation system of payment points has been established. According to this logic, the legendary payment points are just around the corner!

Chen Feng curled his lips and Brother Ma directly inserted his hand into Lao Ma's backyard!

The full opening of WeChat Pay points means that the payment war has ignited again. Tencent’s choice to use credit reporting tools to counterattack the financial section behind Alibaba, which also means that the war has escalated from a payment battle to a credit war.

Compared to the lively shopping festival war, the invisible finance is the bottomless pit, and this is a living money!

Chen Feng sighed, there is no way, this cake is simply a paradise that everyone dreams of. Whether it is Alipay or WeChat, it has now become the core pillar of the two giants and has even been included in the national system.

In recent years, delayed payment, installment payment, interest-free payment, etc., which enjoy first and then payment, have gradually been accepted by the public. Similar to consumer finance products such as Huabei and JD Baitiao, they have cultivated users' occasional consumption into daily consumption.

This habit of early consumption has become the mainstream consumption habit of post-95s and is also affecting more middle-aged and elderly people.

What is capitalism?

I just never save money!

"In the consumer finance field, whoever has the advantage of underlying data will gain the advantage of the financial business." Li Nanjun analyzed: "The number of WeChat payment transactions is now almost 2.5 times that of Alipay. Although it is five years later, it has come from behind."

Chen Feng nodded, and the socialists won the world. This is also the reason why Lao Ma tried his best to succeed.

The sharp increase in the number of commercial transactions means that Tencent has accumulated enough consumption scenario bills, and the user fulfillment data it has mastered has gradually become rich. It is natural to do business endorsement.

Payment, insurance, financial management, funds, and even cloud services...

Judging from this year's revenue, technology finance and cloud services are expected to take over the game business and become Tencent's future money printing machine.

To put it bluntly, the business model is very simple, and million winners are also the same routine. They use virtual currency to connect online and offline, enrich consumption scenarios, improve service quality, and lock traffic firmly in the pool.

There are now more than 50 application scenarios for y coins, one-stop eating, drinking and having fun. It has changed from making money by simply playing games to actively recharge and enjoying special discounts, and the capital flow is increasing day by day.

But compared with Alipay and WeChat,

It's beyond the reach of the world!

"Once WeChat Pay is launched, it means that Tencent will finally add a crucial link in technology finance..."

“Credit fulfillment!”

Chen Feng said seriously: "If someone questioned the necessity of the existence of WeChat mini-programs a year ago, then the convenience of using mini-programs has completely overturned this question."

"With the establishment of WeChat's own ecosystem, mini-program official account payment has formed a perfect commercial closed loop. At this stage, the competition between Xiaoma and Laoma has become a pk of the consumption bill thickness."

Li Nanjun nodded. Whether it is payment points or credit points, there are only a few reference dimensions. Everyone has the same level and the conditions are similar. The data that can be obtained from the government can be obtained almost.

At this time, we have to compete for whom the big data is more massive.

There is not much difference between Ant Financial and WeChat in financial scenarios. The former has the advantage of its data foundation and technology. Although the latter has the largest user pool on the entire network, its weakness is the lack of financial performance data.

I have to say that Lao Ma’s foresight is very good. With five years in advance, Ant Financial has become the leader of the industry. Even if Zhang Xiaolong is awesome, he will not be able to catch up overnight.

However, the bill thickness will accumulate with the increase of application scenarios. On the one hand, the new Alipay users have reached their peak, and at present, they can only increase the frequency and usage scenarios of users.

On the other hand, Tencent has also been supplemented with the unique Taobao e-commerce data on e-commerce platforms such as Meituan, Pinduoduo and WeChat stores.

After sending Li Nanjun away, Chen Feng fell into deep thought. China has been a country that is honest since ancient times. I have examined myself three times a day. The ancients reflected on their own three things every day. Two of the three things related to integrity: Did you do your best in doing things in your work? Do you keep your trust when you interact with friends?

But modern business society has become a credit system that lacks scientific, human, intelligent and secure?

Seven years ago, Jack Ma asked Alibaba this problem, but it has not been solved yet.

The reason why it is called Alibaba is that Sesame Opening is the most important magic spell in this story. It can not only open the treasure cave of the forty thieves, but also use it to close the entrance of the treasure cave.

Lao Ma believes that Alibaba's greatest public welfare for society is to establish a credit system that solves the integrity of online transactions. In the field of Internet finance, what you have always wanted to do is not financial business but to establish a good credit system.

Credit equals wealth!

Starting from the honest communication during the B2B period, payment insurance will lead to the credit of small and medium-sized enterprises, and then to Taobao and Tmall’s merchant credit evaluation system...

As early as 11 years, Shao Xiaofeng, who was then the secretary-general of Alibaba Group, Hu Xiaoming, who was nicknamed Sun Quan, the head of Alibaba's small and micro finance, and Wang Shuai, the head of Alibaba's market public relations, was called to the office by Lao Ma.

The location of the credit system in Alibaba was conceived, cloud computing was the bottom layer, the upper layer was the credit system, and on this basis it was payment and higher services.

In 2015, Sesame Credit Score officially launched, and Lao Ma even announced with a high profile: Alipay is the crown of the entire group, and the jewel in the crown is Sesame Credit, even if you lose money, you have to do it!

In the future, it will become the standard for mother-in-law to examine son-in-law!

To be fair, Lao Ma is indeed better than Xiao Ma for the changes and promotions of China!

It’s like Lei Jun asked Fu Sheng’s success at 360, who made great contributions to Zhou Hongyi and him last year?

Fu Sheng’s answer was Zhou Hongyi.

Because Zhou Hongyi solved the open proposition and thought of the security direction, he instructed him to make a free security software as a company's reputation product.

Fu Sheng only needs to be a good product manager and make the product, even if it solves this closed problem.

This is the difference between Tao and art.

The direction of the direction of Yong [Literature Museum     www.wxguan.xyz] is far more important than hard work.

Wanli must build its own big data center and improve cloud services in the next step. Without this processing capability, everything else is nonsense.
Chapter completed!