Ma Yunza 10 Billion Counterattack Alipay Quota Layout Internet Financial Market

Six years ago,

Saying that banks will not change, we will change banks.

It sounds a little crazy.

But Ma Yun's heroic words are "

It seemed to be extraordinarily loud when it was born.

In just 18 days, the balance of treasure has netted 2 million 500 thousand users, with a total turnover of over 6 billion 600 million yuan.

To say that Alipay is "losing money or making money" or "putting the long line to catch a big fish", the introduction of the balance treasure has given users a very good experience: convenient operation, capital pfer, consumption and pfer, all using online operation mode; timely withdrawals, and the income of the balance treasure far exceeds the interest rate of the bank's current account, which is a loyal user of Alipay.

In July 1, 2016, the real name system of Alipay limited consumption, according to the information submitted by users to divide the consumption quota, the highest one year 200 thousand, the lowest life 1000 yuan.

If the consumption exceeds the limit and wants to continue consumption, it can only use the bank card and other fast payment methods, which is undoubtedly enormous for Ma Yun's financial empire.

However, Ma Yun is also not an idle person: in response to the Alipay quota problem, Ma immediately counterattacked and announced that the payment of the credit to the treasure month would be enlarged to 10 billion.

Ma Yun is starting from Alipay.

Layout.

Ma Yun's financial empire is based on the layout of the network Merchants Bank, Alipay, Alipay flower and so on. Therefore, to open the quota gap, we can only focus on the development of these three products.

Since the launch of the Internet Banking Bank, the amount of credit has been issued up to about 40000000000. While Alipay spends only 600 cents on sesame seed, it is eligible to be opened. As for Alipay, it only needs 600 cents for sesame seeds to get 300 thousand loans.

As far as the current situation is concerned, despite the fact that Alipay has more competitors (such as WeChat payment, Jingdong wallet, Baidu wallet, and recent millet purse), Alipay has the largest market share.

Alipay's restricted consumption may not have any effect in a short period of time, but if it goes on like this, the four big banks backed by "Godfather" will eventually be the biggest winners.

Next, we need to see how Ma has worked with the four major banks.

Just as the Internet age is approaching, the potential is unlimited. The Internet financial market, the giants want to get a share.

In the future, competition will become more intense.