Extraordinary Genius

“Brother Ki, in fact, this payment software is the capital I have the confidence to compete with other businesses in the future. You know the financial industry, do you understand what Internet finance is? ”

Past generations, Ma Yun's payment packages became the world's largest third-party payment platform, undisputed number one in terms of size, number of users and cash flows. At that time, there were many competitors in the payment package. It means that a lot of people are aware of the profits.

In this world, it will develop earlier. It can be used on multiple platforms such as Ebay, Amazon, Alibaba Bar and Polar Bear Network Company, and there is hope to take control of three major markets in North America, Huaxia and Eastern Europe. It will certainly be more powerful than in previous life.

In previous life, this payment package technology was developed by Yahoo, SoftBank and Ma Daddy's team, and then Ma Daddy, when he was CEO, divested the payment package business and transferred it to his own holding company, eventually pitting Yahoo and them.

Yahoo's share price dropped and fell again, but Alibaba Bar's share price can keep rising. This payment package can do a lot of good. The valuation of payment packages also far exceeds several e-commerce sites under Alibaba Bar, making Alibaba Bar a core value.

Hearing Feng Yu talk about Internet finance, Kirilen Kexin said that there is nothing difficult to understand, isn't it online finance?

“Von, of course I understand, it's like Nasdaq, isn't it, electronic trading on the Internet? Stocks are not financial products, so Nasdaq's stock is Internet finance, right? ”

Feng Yu took out two cigars, handed one to Kirilenko, took a deep sip after lit, and spit out a cigarette ring: “If you say so, it's true. But when I say internet finance, it's very different from yours. Internet finance is not a simple combination of the Internet and traditional financial industries, but a traditional financial industry that uses Internet technologies, including information and communication technologies, to achieve new financial business models such as financing, payment, investment and information intermediation. ”

“What you say about trading stocks online is an investment, but it doesn't represent everything. It's right that all of our Internet finance is based on the Internet. Whether it's markets, services, organizations, products, regulatory systems, etc. all need to be on the platform of the network, not need any realistic trading counters, all operations, all on the network, not need to meet people, even if you hire a financial broker, you can also communicate on the network. ”

“Von, isn't that right? I hired a financial broker to communicate online. How do I sign the contract? How do I pay my salary? How can I trust him?” Kirilenko rebutted.

“This is when we need our third party payment platform again. We provide credit guarantees and, of course, credit assessments. The contract is based on the model on our network and can be confirmed by both parties via online video. Of course, in the beginning, the contract had to be printed out for signature, but it would never be necessary in the future. ”

When the real name system is rolled out, many protocols really don't need to be signed, just click OK. Compared to downloading a mobile phone-stirred stock software below, a video confirmation on the web, including uploading an ID card, also requires only a photograph, does not require any form of signature, but has the same legal effect.

“Web Video Confirmation? Isn't that clear?” Web video technology is now available, but limited to network speed, with poor clarity. Some ordinary users are even less able to use this technology.

“The network is growing rapidly, and you can't use today's vision to understand the product in three years. Now you can take pictures of your phone. Three years ago, did you think about it?” Feng Yu picked up the windstorm phone on the table and shook it.

“Really, what do you mean, three years from now, webcams will be popular? ”

“In developed countries, there is certainly no problem, even in countries where the Internet is more common, so that the majority of Internet users can know. And when this thing comes out, it's going to grow faster, maybe faster than we thought. ”

“What do you mean by internet financial services, what products do you have?” Kirilenko asked again.

“Traditional financial industries have, we all have. Such as investment finance, deposits, withdrawals, borrowings, capital flows, foreign exchange transactions, etc. And what traditional industries can't do, we can do with Internet finance, like mass finance. ”

“Mass fundraising? What do you mean, everyone raises money for someone? What's so special about it, like traditional finance?” Kirilenko looks like you don't think I don't know.

“Yes, there are traditional industries, but I ask you, can traditional industries do it if they want to raise a million, divided into a million copies? ”

“What? A million to be split into a million pieces, isn't that a dollar each? So how do you raise money, who goes to financial institutions for a dollar? ”

“Yeah, nobody goes to the bank to raise money for a dollar. But what if it's on the Internet? Just a few clicks and enter the password for the third-party payment platform, and you'll be done in a minute. ”

This million is divided into one million pieces, not Feng Yuhu's, but the crowdfunding that Feng Yu really experienced in previous generations. An author, who wants to publish a book, but no publisher is willing to publish it, for example, because the content is too sensitive, for example, too small, and so on, and at this point, an author launches a crowdfunding campaign, and a fan donates a hundred coins, that is, a dollar, to put together a sum of money to give the author a book.

For fans, a dollar is nothing, but a lot less, and some authors even rely on crowdfunding to convert their novels into games and even movies.

Running to the bank for a dollar is too cumbersome, but it would be a lot easier if it only took a minute to operate on the internet.

There are also little singers who want to make records, new directors who want to make movies, and even roadside stalls who want to open stores for crowdfunding, many failures, but success, many more.

In other words, Internet finance can do a lot of subtle products that traditional finance can't do.

These are just the tip of the iceberg, and there are too many places to make money through this third-party payment platform. Think about the bankers of traditional finance. When did you see them lose money?

Huaxia's world-class companies, all the big state-owned banks, are on the list? And this third-party payment platform is an institution that can break wrists with these big state-owned banks, and hopefully even surpass them!

“Ki, internet finance is much more convenient than you think, for example, you need to lend, and on our payment platform, your credit record is sufficient, so we can lend it to him. Even we can make a profit by launching some online financial products and pushing them to those who like to invest in financial products…"

Kirilenko's eyes became brighter and brighter as Feng Yu narrated. This internet finance is a treasure trove. The third-party payment software must be developed immediately!

……