Extraordinary Genius

“We cannot agree to Feng's terms, once they are allowed to bind their payment package to our card, we will only be able to get the payment package to us in the future, those users' accounts, we will know nothing! ”

“You said no? So what if the other banks say yes? ”

“We can join forces with other banks to ask for this payment package and allow us all to share! ”

“Without saying whether another bank will promise you, say Von, do you feel so vulnerable? ”

“What are you going to do, give this part of the interest to Feng? Accounting data, what a huge profit, you don't know? Are you willing to let Feng take advantage of this? ”

“Then I ask you, even Baobao belongs to Feng. What if Baobao doesn't cooperate with us? ”

“Better that way, they'll pay later with Internet banking, only with the payment software of our respective banks. ”

……

The executives of the four banks quarreled, and no one could convince anyone. Some say that Feng's terms should be accepted, so that in the future there is also the possibility of joining this payment package company. Some say absolutely not unless Von agrees to their terms.

But they all know that a lot of people now have accounts in more than one bank, and once they fight each other, they become competitors.

While they maintain uniformity over fees, no one can guarantee that there will be a reduction in fees to rob users.

Users are inertial, and once they get used to one bank's payment software, they seldom choose another's home, so that the invisibility puts them in the opposite direction.

Most importantly, in this way, they need to constantly compete with major online shopping companies to get their payment software on board, thus turning it into a battle for payment software.

Wait, they suddenly think of something. Why can't they make payment software?

Feng can do it, they can do it too. And they work with almost every company, and it's easier to promote this payment software.

Believe in this idea and get support from other banks. But in this way, the interests of the banks are linked, and the division of interests is studied and studied.

……

“What did you say? They said yes? They agreed to engage in deeper promotional collaboration with our payment packages and Baobao?” Feng Yu was somewhat surprised. Did the banks really say yes?

Feng Yu had originally publicized several banks, including world-class banks such as Huifeng in the UK, but the four banks were also very powerful, and Feng Yu didn't expect them to say yes so soon.

“What did they offer?” Feng Yu thought about it, the other party promised, there must be other conditions.

“They say Amazon's financing requires the same conditions as paying the house. ”

Feng Yu nodded: “Well, this can be considered. What else? ”

“And they said that you said you would allow them to be included in the stock payment package in the future as well, and that this time couldn't be too long, and they thought a decade would be a good time.” Ralph continued.

Ten years? Ten years, almost exactly when Baobao and Payment Package are in a steady period, they are a good score.

By then, the profitability of the payment package and Po Bao had become clear, and those who wanted to invest at that time were expected to be ranked from Seattle to New York.

But it's just a promise, which Feng Yu can promise. If Feng Yu promises, he will definitely do it. But he promised to put those banks in stock, and he didn't say how many shares he promised? One percent, already a lot, um, two percent at most, no more, four points.

“What else? ”

“Nothing. ”

Feng Yu is stunned. Impossible. Is that all? That's all they had in mind?

“Boss, there really isn't.” Ralph saw Feng Yu's unbelievable eyes and quickly explained.

In fact, Ralph also found it strange. Although the four major banks' attitudes were not particularly tough, they also put up a set of momentum to beat each other apart, and now suddenly the mind turns around. How can this be seen as a bit odd?

Doesn't it seem worthwhile for them to do that just to lower the price of this financing? They already know the threat of payment packages, can they agree to just watch payment packages get bigger and stronger?

Feng Yu lowered his head and wondered, what made those four banks compromise? Indeed, Feng Yu and Kirilenko agreed to cooperate with several banks and promised not less than a certain amount of cash flow to those banks each year thereafter.

But these can't be compromised by the four major banks, can they? There must be a reason he doesn't know!

Feng Yu asked Ralph to find out what the reason was, and asked Ralph to reexamine the four banks, like Amazon's stock price, or the number he said before, so can they still say yes?

Although four banks are missing, it doesn't seem to be many, but four banks have too many customers. In invisibility, they make payment packages many less users. It is, of course, more affordable to cooperate.

The impact on payment packages would be even greater if the refusal of the four banks to cooperate caused other banks to refuse to cooperate.

Cooperation, win-win, but Feng Yu makes more money, not cooperation, everyone loses money, which is equivalent to mutual harm!

Now that they have chosen to cooperate, there seems to be no problem, but if Feng Yu were to do more profit striving, how could such a simple response be possible?

Two days later, Ralph called back and told Feng Yu an important message that the banks seemed to be working together and that they were commissioning Microsoft to do a payment software that would allow all their banks to share.

Feng Yu was shocked, which is equivalent to a UnionPay, that is, all the customers of these banks can use a piece of software to make online payments, thus reducing the difficulty for customers to download multiple bank payment software and allowing them to form a strong payment alliance.

However, Feng Yu found that the software, one of the major flaws, is that they are a combination of banks, unlike Huaxia's UnionPay, Huaxia's national management, this, but corporate management, the balance of interests is not so easy to manage, no one wants to split less.

Plus, in order to support so many banks, there is definitely a charge, and this software has too many disadvantages.

In particular, it is important to know whether a payment software, payment platform, can ignite not only good service, but also how many companies use it. So let them see who's pushing the software faster!

……