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After the four branch presidents invited by Shen Haoshun arrived, Zhou Hao expressed his needs and built an online payment platform to prepare for the light of hope to leave the capital.

Online banking has been around since the mid-to-late 1990s. When major banks completed the first online transfer, the TV station even reported on it, which meant that domestic banking services had kept up with the world's trends and entered the mainstream. Internet era.

But in the following few years, the development of online banking in China has almost stagnated. Except for a very small number of people who can transfer money online, most people are unfamiliar with online banking.

Zhou Hao wanted to build a payment platform for Light of Hope. The four bank presidents were a little shocked when they heard that. Mu Sheng, the president of the ICBC branch, asked Zhou Hao: "If Light of Hope is developing an online payment platform, will there be any technical problems in the future?" Problem? For example, if a user pays, but your system does not prompt, etc., if this causes a dispute, will it affect the bank's complaint rate? "

Zhou Hao said with a smile: "I need to open an online payment merchant in your branch, but for users, no matter which of the four major banks you are a customer of, as long as they use Alipay to transfer money, then the information they see will They transferred the money from the bank to Alipay, so they will think that the money was given to Alipay. As long as the bank clearly reminds the user that the fee has been deducted, if there is a problem with Alipay's feedback, the user will definitely contact us. "

Mu Sheng nodded and asked Zhou Hao: "What about the funds? How do the fees that users pay to Light of Hope through Alipay in our bank's online banking end up being deposited?"

Zhou Hao said with a smile: "All funds are deposited in the accounts opened by Alipay in various branches. We will entrust this money to you and accept the supervision of the central bank."

He Ling, president of the Agricultural Bank of China, asked Zhou Hao: "I don't know if I understand it correctly. Is Alipay planning to open an account in all four of our banks and entrust us with custody? In addition, users use the online banking of the four major banks to transfer money to Alipay." When. Should it be transferred directly to the account opened by Alipay in the bank?"

Zhou Hao said with a smile: "President He, you understand correctly. If I open an account at your branch, in the future, when all Light of Hope users across the country pay through Agricultural Bank of China online banking, the money will be transferred to Alipay. In the account opened at your branch.”

After saying that, Zhou Hao added: "Light of Hope's current turnover is several million per week. In the future, when it expands to other cities, it is possible that its turnover is tens of millions per week. By then, every money will be in the bank." It has been settling in the account for a while. When the time comes, we will also include the four major groups as partners when promoting Light of Hope nationwide."

Zhou Haoyi said that tens of millions of turnovers may be deposited in Alipay every week. The four branch presidents were a little surprised. Although the bank's deposit collection task did not require them to perform it personally, it was still counted in their work performance. Zhou Wanwan's accumulation of funds is not a trivial matter for any branch, not to mention that Zhou Hao also wants to sell them a favor and give Alipay the green light. It is of course beneficial to them and not harmful at all.

However, Zhou Hao did not say anything about the future development direction of Alipay. Zhou Hao has always communicated with them in the name of Light of Hope, making them think that Alipay is a derivative of Light of Hope. But as long as Alipay opens the bank payment interface, this payment channel will be It will become the top priority for your future development in the Internet field. If you want to make money from the Internet, how can you do it without your own payment channel?

Using someone else's third-party payment channel is equivalent to putting a major artery in someone else's hands. Others can strangle this artery at any time.

The four bank presidents didn't know what room for development there was in the current Internet payment. They just felt that this was a tool that Zhou Hao wanted to use to help the Light of Hope grow. But they couldn't guess that Zhou Hao's biggest goal was to turn it into a platform.

For the four bank presidents, the problem at hand is very simple. They must fully cooperate with Zhou Hao. Not to mention the personal relationship with Shen Haoshun, just the public welfare effect of the light of hope and the future accumulation of the light of hope in Alipay. That is the cash flow in their bank account. Just make it impossible for them to refuse.

In fact, Zhou Hao is absolutely sure that even without Shen Haoshun's connections, he can still convince people in the bank. But the most important thing is that he doesn't know people in the banking system. It is more difficult to get in touch with a president-level person, but Shen Haoshun It was different. With just one phone call from him, the regional branch presidents of the four major banks were happy to attend the appointment. This is the use of connections. Sometimes, there is only a veil between the success or failure of things. Once it is pierced, everything suddenly becomes clear.

The four bank presidents decided on the spot to open an online payment merchant for Alipay next week and sign a cooperation agreement with Alipay. With Shen Haoshun as a favor, Zhou Hao believed that there was a lot of room for negotiation in the contract details.

For example, if there is no Shen Haoshun in the cycle of depositing funds in the Alipay account, the bank may have strict requirements, but with Shen Haoshun here, the bank can be exempted from the constraints in this regard.

In addition, Zhou Hao has also worried about Alipay's future connection with other channels. If there are discerning people in the bank, Alipay's contract will restrict Alipay's freedom to adapt to the platform in the future, and then use this to negotiate conditions, he will Will become very passive.

Zhou Hao verbally reviewed the contract details with the four presidents. They verbally promised to give Alipay absolute freedom on the above two points without any restrictions.

This is enough.

Zhou Hao felt relieved and negotiated a signing time with the four of them. From Monday to Tuesday next week, two contracts would be signed every day. The contract details of the four banks were consistent to ensure fairness.

Shen Haoshun said to Zhou Hao: "I happen to have nothing to do next week. Didn't your car crash? Then I will drive with you to sign the contract and be your driver."

Zhou Hao hadn't spoken yet, but the four bank presidents around him were shocked. They didn't expect Shen Haoshun to be so polite to Zhou Hao. He just helped with the matchmaking, but even accompanied him to sign the contract.

However, Zhou Hao really accepted Shen Haoshun's favor this time. He said this, on the one hand, he wanted to make the four bank presidents realize that he had a close relationship with him. On the other hand, it was also to potentially gain laxity in the terms of the contract for himself. Du, he will accompany him to sign the contract together. Then these bank presidents will definitely not change the contract details without authorization. What we talked about today will be signed next week!

In the evening, Zhou Hao entertained guests at a high-end hotel in the capital. On the one hand, he was grateful to Shen Haoshun for helping him connect, and on the other hand, he also wanted to deepen his impressions with several bank presidents. He would have to seek help from the bank for many things in the future.