Rebirth: I Want to Surf

When Lao Ma first launched Alipay, he didn't even regard it as a payment tool, but just a means of security.

In 2004, Alipay became independent from Taobao; in 2005, it reached a partial cooperation with ICBC Internet Banking. At this time, its payment function was valued, its business began to expand, and its ambitions continued to expand.

In 2007, that is, this year.

Alipay will launch a "Taobao" plan to open up markets other than Taobao. For example, it has reached agreements with Ninth City, China Southern Airlines, and Ctrip to carry out payment cooperation.

The plan lasted for 3 years, staking the land, and it seems to have achieved remarkable results, but in fact there are many disadvantages. Because the user experience is not good, it takes 7 page jumps to complete the payment.

The operation is cumbersome, the bank check is not timely, and the result of "payment failure" often occurs, and the success rate is only 60%.

In a rage, Lao Ma directly replaced Alipay's CEO, and then communicated with a number of banks to launch a quick payment function, which slowly got on the right track.

Later, Alipay became a financial tool.

Entered the Internet wealth management industry with Yu'e Bao, entered the Internet insurance with Zhongan Insurance, and entered the Internet credit with Huabei and Jiebei, and completed a rapid deployment.

It is not necessarily true that Lao Ma wants to do this. Behind this is the promotion of national policies - "The 13th Five-Year Plan for National Science and Technology Innovation Plan", which proposes to promote the innovation of technological financial products and services.

Alipay did innovate, but later the water was too deep to grasp, and it understood everything.

In contrast, JD.com and WeChat also engage in finance and lending, but the problems are much worse.

Liu Qiangdong was not clear about these thrilling historical trajectories, upon hearing this, he immediately said: "I have always wanted to do it, Taobao has Alipay, Tencent has Tenpay, we should have one too.

The shopping festival really needs our own payment tool, which is more convenient for users, but I am worried that Alipay will expand outward and occupy other markets, and we will not be able to catch up after a late start. "

He can see that Alipay will expand outwards, which is already very powerful, Yao Yuan said with a smile: "When one's own territory is small, it is called self-enclosure, and when the local territory is infinite, it is called closed-loop ecology.

We engage in payment tools and use them ourselves, so it is not worthwhile to develop outward. "

Yao Yuan left a sentence: Outward development is a matter of the future, not relying on this, relying on WeChat payment!

"Oh, I see. We don't want to learn from Taobao, but from Tencent, like Tencent Tenpay? It's okay, we have a lot of business, and we don't have to worry about not having users."

Dongzi expressed his understanding, paused, and said: "Three years of gambling is enough for us to develop, apply and promote, but this thing must cooperate with the bank. I always have a sense of fear that I can't control it. Are we ..."

He was momentarily stuck.

"..."

Yao Yuan was silent for a while, took a notebook casually, and wrote two words: "Relationship!"

Dongzi picked up a pen and wrote a few words, which was Zhou Yunfan's name.

Yao Yuan shook his head and said softly: "He is not enough!"

"That……"

"let me try!"

Of course Yao Yuan knew who to look for, and wondered if he could send a message through Yinyin's grandfather's circle, since he was going to get married anyway.

Finance is a natural aphrodisiac and a natural poison. You don't know how far it will expand, let alone how far it will fall.

The so-called financial bosses rely 90% on relationships and 10% on ability.

Not to mention Dongzi, even he has a sense of fear. Lao Ma has a saying that is true: "When I founded Alipay, I was ready to go to prison..."

Now I am not in prison, but I am soaking in hot springs in Japan.

The two chatted for a long time, full of unspeakable 404 content, but at least they settled on the name—Mai Mai Pay!

………………

Soon after the Spring Festival, Wu Jun completed the military order: Maimai users exceeded 100 million!

Adding up all the instant messaging software on the market, the situation suddenly became clear, and there were only two heads: QQ and Maimai. QQ pressure increased sharply!

The community department is celebrating their excellent record, but they don't know that a new opponent is sneakily preparing to steal the house.

Beijing, the headquarters of Thousand Oaks Group.

Wang Xing walked into the conference room out of boredom, found his name tag on the seat in front, and sat down. He doesn't have to come to the meeting, but if he doesn't come, he has nothing to do.

Last year, Xiaonei was acquired by Chen Yizhou's Thousand Oaks Group, and Wang Xing signed a restriction agreement.

This is a common practice in acquisition cases. The founder of the other party is required not to reinvent the wheel within a certain period of time. Usually, a vice president will be given a idle job, regardless of the matter.

Wang Xing is now hanging up a idle job. The agreement is for one year, and every time he stays for an extra year, he will be given an extra sum of money. He doesn't want to take the money, he just wants to wait until the second half of the year is due, pat his ass and leave to continue his business.

After waiting for a while, Chen Yizhou and other executives came in.

In the wave of the Internet for more than 20 years, heroes have emerged in large numbers, each with its own style of action.

For example, Zhang Chaoyang likes to give his subordinates room to play, but when his subordinates make some achievements, he uses them to manage them himself, and then rushes to the street... Repeatedly, the situation goes from bad to worse, and finally he just put it down, thinking about the universe and the mysteries of physics.

And Chen Yizhou's style is that he is good at flicking investment.

Investments come with various acquisitions, use the fastest time to expand the territory, maximize commercialization, give priority to profits, then fool around with investment, and then acquire and expand...

Thousand Oaks Group didn't seem to have a good reputation, but it secretly acquired Maopu.com, donews and Xiaonei.com.

Mop is a high-quality product, and it was taken down by Chen Yizhou with both soft and hard tactics. It was immediately commercialized and started to make games, which made the old users full of resentment.

"Games and communities are the two pillars of our future development. The game is based on Mopu, and the community is based on Xiaonei. This year, we will go further!"

"The company raised 75 million RMB last year. Don't think you can sit back and relax. The Internet is a money-burning industry, and it will be gone after a yawn. Only when there are more users, activity increases, and the data looks good, will the next round of financing follow up !"

Chen Yizhou was very straightforward, saying: "The community is under pressure, everyone must be under a lot of pressure, but no matter how good their data is, it is useless, and they are not open to investment.

Moreover, Maiwo has reached a bottleneck, and the growth of users is slow. The current situation is like Maimai challenging QQ. We are also the latecomers. We do not seek to surpass, but only to occupy market share..."

From a certain point of view, Chen Yizhou and Yao Yuan have similar ideas, they are both engaged in community and games. It's just that he pays too much attention to profit, and often makes the product beyond recognition, but loses the opportunity to make it bigger and stronger.

After Chen Yizhou finished speaking, he asked Wang Xing coldly: "Is there anything to add?"

laugh!

Wang Xing sneered in his heart, and said: "No, your arrangements are already perfect."

"That's good!"

"In the Internet, ideals cannot be eaten. The community is the outlet. What we want is investment and listing. When we are successfully listed, let Mai Wo continue to play with their ideals!"

(and in the evening...)