The Second Wave Of Yi Bao Beach: Transformation Of The Background Process In The Force

What is the strategic layout? The strategy of Yi Bao is very clear now. In the past two years, payment is the basic carrier, just like the Tencent can pay users to suck in by paying QQ, and Google can absorb user traffic through search.

People familiar with Yi Bao know that the slogan recently proposed is "payment + Finance + marketing".

Tang Bin thinks that this kind of crossover is an inevitable trend: the first is the integration of online and offline era in the mobile Internet era.

Two, the mobile Internet game is different from the traditional one.

Traditional traffic is the main source of mobile Internet access to the Internet Financial deep water area, traffic is not the core.

Three, monopoly industries are being broken, such as finance and communications.

"It emphasizes more precision, how to provide a deep level service to one or a group of customers. At this time, we should combine technology and mode with the whole business process."

He thought, if he said

The first wave is that marketing is king. The second wave is the pformation of the commercial background process.

Future of payment

Beyond all doubt,

It's a huge opportunity industry.

Tang Bin mentioned in particular that the two-dimensional code payment is an innovative way. Although it has risks, it is endogenous in the market and has vitality.

The central bank put forward the suspension of two-dimensional code payment in order to get a clear understanding of the risk problem, and it is inevitable to release it later.

"Now I feel like I should be released soon.

Like UnionPay and banks are doing it.

However, the third party payment companies have advantages over traditional banks in terms of innovation, business promotion and speed.

"Nowadays, the Internet has broken the gap and broken the monopoly through 20 years of development.

But its development speed is too fast, and its impact is too great. Therefore, from the point of view of the government, especially from the perspective of regulation, it is uncontrollable, suspended or regulated.

But I think this is a good thing. We should support innovation, but at the same time, we should not make a big basket. "

In Tang Bin's view, P2P should consider from two aspects, one is to satisfy people's needs, you imagine it as the online version of private lending, breaking the thinking and regional boundaries.

The two is that P2P is a chaotic market, which is not the same as the P2P mode in the US. The Lengding Club mode is neutral. China is more capital pool matching.

Low cost and controllable risk are the core.

Without this core, P2P will have problems sooner or later.

When it comes to the question of when there will be a bubble explosion, Tang Bin said: "if we look at the market scale of trillions of China's private financial market, P2P is still very small, P2P is two hundred billion yuan, and there is no bubble from the perspective of market capacity.

But from the confusion of the market, we are too homogeneous, and the risk can not be controlled.

The Internet makes it easy to flicker money and runs a lot.

Just like the domestic market, on the one hand, the capital is very large, M2 reaches more than 100 trillion yuan. On the one hand, many enterprises can not get the money, and their willingness is not to straighten out the mechanism.

"I think that paying the future will help a large number of enterprises, especially small and medium-sized enterprises, to solve the problems of financing, marketing, personalized service and information asymmetry.

Payment is the core carrier of a trading platform.

"In my opinion, from the user's point of view, it doesn't matter whether Internet finance or Internet finance is concerned. What users care about is financial services.

For example, as a small business owner, can we borrow the low cost quickly?

Don't stick to channels and care about real things.

People who need money can't get the money or the cost is so high. This is a reflection. I think the problem of China's financial industry is too great or the economy can't go to a big step. "

What is the future trend of the third party payment? First, payment can become a basic platform.

Second, since it is a basic platform, it can superimpose many services. For example, payment plus finance can become financial value-added services, such as balance treasure, payment plus marketing can become a service like duo Bao of catering marketing products.

Through payment, the user information is left behind, and data stays behind to help you better serve.

Be a commercial backstage.

It is considered that payment is not a simple tool. Payment is the core link of Internet financial pactions. Transactions include payment and settlement, financial services and marketing services.

Payment is the carrier of Yi Bao.

But the payment itself is very thin. Especially in China, the competition is so complicated that Tang bin has gone a different way.

Yi Po first chose the industry line, but the industry line was very hard.

Every industry is different. Every industry has its own team. It can't be promoted in three years.

The next step is to get through the industry and get through the industry. First, through finance, first through marketing.

So Yi Bao dug many talents from the bank in the past two years.

Invest in Duo Bao and invest in the five restaurants of Internet pformation. Tang Bin wants to change the commercial backstage.

"My idea is a new wave of Internet finance, called deep water area, from the flow of eye orientation to the root of an industrial Internet, and the whole business process pformation is a trend."

In Tang Bin's view, the industry that Yi Bao chooses now, as far as possible, is no logistics or logistics is very small, the trading chain is more complex, such as aviation industry, insurance industry.

It is understood that the first major customer of Yi Bao is Shenzhen airlines. It took nearly a year to communicate with each other, and solve the trust problem through bank guarantee and technology certification.

This reflects that Tang Bin has never made bold attacks in the market, but has distributed personnel in the corner of the market, watching the competitors' movements and looking for the gap in the market.

"These industries are more difficult to enter.

Because its threshold is relatively high, for example, airlines are so large, and insurance companies are so large.

But once you go in, your foundation is deeper. The service it provides is not a point to point.

In this case, the threshold for competition with Alibaba and Tencent is very high, that is, my moat.

Because we also want to form so many user resources and brand influence of Alibaba.

We dig a lot of industries and precipitate resources. Don't worry. As the industry gets online, we will get up.

BAT is paying for the impact of Yi Bao, Tang Bin said, for example, WeChat payment is mainly for peer to peer users, the biggest harm to Alipay.

Yi Bao is paid by the industry, and the relative impact on the company is very small.

"Yi Po has always held the view that payment is an integral part of a core trading platform."

"Like Alipay and Tencent, C is the core.

Yi Bao is the whole industry chain, from source to user, in the middle.

After the Internet has entered the deep water area, Yi Po is doing the industrial Internet. The core of the industry's Internet is not traffic. The core of the industry's Internet lies in the efficient, pparent and value-added services of the whole industry. This is our main battlefield.

Undoubtedly, this is a rare opportunity for Yi Bao to pay.

He has an idea to be an opinion leader.

"In the field of payment, at least, the industry payment is so developed. We hope to influence our minds to influence more people and make this industry better developed. This is the biggest goal."