Chapter 233 The First Contact of the Four Major Companies

After the four branch managers invited by Xu Jiaming arrived, Li Mu only expressed his needs and built an online payment platform to prepare for 3321's next step out of Yanjing.

Online banking is a concept that has been developed in China as early as the mid-to-late 1990s. At that time, when major banks completed the first online transfer, the TV news also reported it, which means that domestic banking services have kept up. The trend of the world has entered the Internet era.

But in the next few years, the development of online banking in China can almost be described as stagnant. Except for a very small number of people who can use and dare to use online transfers, most people are still unfamiliar with online banking.

Li Mu wanted to make a payment platform for 3321, and the four presidents were also a little surprised. Zhai Yuan, president of the branch of Agricultural Bank of China, asked Li Mu: "If 3321 does online payment, will there be technical problems in the future? For example, users pay, but your There is no prompt in the system, if this causes disputes, will it affect the bank’s complaint rate?”

Li Mu said with a smile: "I need to open online payment merchants in your branches, but for users, no matter they are customers of any of the four major banks, as long as they use Alipay to transfer money, then the information they see is that They transferred the bank's money to Alipay, so they would 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 any problem with Alipay's feedback, the user will definitely contact us. "

Zhai Yuan nodded and asked Li Mu, "What about the funds? How did the users pay 3321 through Alipay in our bank's online banking, how did they settle down in the end?"

Li Mu said with a smile: "All the funds are deposited in the accounts opened by Alipay in each branch. We will entrust this money to you in custody and accept the supervision of the central bank."

ICBC President Hu Qiyun asked Li Mu: "I don't know if my understanding is wrong. Is Alipay going to open an account in each of our four banks and entrust us with custody. In addition, users use the online banks of the four major banks to transfer money to Alipay. Time. Is it directly transferred to the account opened by Alipay in the bank?"

Li Mu said with a smile: "Mr. Hu, you understand correctly, if I open an account in your branch, then in the future, when all 3321 users all over the country make payments through ICBC online banking, the money will be remitted to Alipay and opened in your branch. in your account." The Legend of the Three Realms Blood Linglong

After speaking, Li Mu added: "3321's current weekly turnover is several million, and if it expands to other cities in the future, it may be tens of millions of weekly turnover, and then every money will be in the bank account. Precipitate for a period of time. At that time, we will also list the four major groups as cooperative support units when 3321 is promoted nationwide."

Li Muyi said that tens of millions of dollars may be deposited in Alipay every week, and the presidents of the four branches were a little surprised.

Although the bank's task of attracting reserves does not require them to perform it in person, it is also included in their work performance. The accumulation of ten million yuan every week is no small matter for any branch, not to mention, Li Mu still has to work in Sell ​​them a favor here and give Alipay the green light. Naturally, there is no harm to them.

However, Li Mu did not say Alipay's future development direction. Li Mu has always communicated with them through 3321, making them think that Alipay is a derivative of 3321, but as long as Alipay has opened up the bank payment interface, this payment channel will become his future Internet. The top priority of the development of the field is to make money from the Internet, how can you play without your own payment channels? Using someone else's third-party payment channel is equivalent to putting the switch of the aorta in someone else's hands, and someone else can choke this artery to death at any time.

Tencent will frantically attract hundreds of millions of Chinese people to grab red envelopes on WeChat in the future, in order to open up the situation for WeChat payment. It is good to compete with Alipay. If there is no WeChat, Tencent in the mobile Internet era will definitely be extremely dangerous.

The four presidents didn't know what the development space of the current Internet payment was. They only thought that this was a tool that Li Mu wanted to use to assist 3321. But he couldn't guess that Li Mu's biggest goal was actually to turn it into a platform.

Right now, for the four presidents, the problem at hand is extremely simple. They must be fully cooperating with Li Mu, not to mention the human relationship of Xu Jiaming. It is only the public welfare effect of 3321 and the future accumulation of 3321 in Alipay, which is their bank account. cash flow in. It was already impossible for them to refuse.

In fact, Li Mu has absolute certainty that even without Xu Jiaming's relationship, he can persuade the bank's people, but the most critical problem is that he doesn't know the people inside the bank, and it is very difficult to reach a president-level person. It's difficult, but Xu Jiaming is different. He makes a phone call, and the presidents of the branches of the four major branches will show their faces to make an appointment. This is the use of human connections. Sometimes, there is only a layer of veil between the success or failure of things, piercing it. , everything becomes clear. pastoral ranch

The four presidents made a decision on the spot to open online payment merchants for Alipay next week, and signed a cooperation agreement with Alipay. With Xu Jiaming's favor, Li Mu believed that there was a lot of room for negotiation on the details of the contract.

For example, if there is no Xu Jiaming, the bank may have a rigid requirement for the period when funds are deposited in the Alipay account, but with Xu Jiaming, I believe this can relieve the shackles of the bank.

In addition, Li Mu has also worried about the future connection of Alipay with other channels. If the bank has a discerning person, it will limit the freedom of Alipay's future adaptation platform in the Alipay contract, and then use this to negotiate the conditions. become somewhat passive.

Li Mu verbally touched the contract details with the four presidents. For the above two points, they all promised to give Alipay absolute freedom without restrictions.

This is enough.

Li Mu was relieved and negotiated a signing time with the four of them. From Monday to Tuesday next week, he would sign two contracts a day. The contract details of the four banks were the same to ensure fairness.

Xu Jiaming said to Li Mu, "I'll be fine next week. Didn't your car crash? I'll drive with you to sign the contract, and I'll be your driver."

Li Mu hadn't spoken yet, but the four presidents around him were a little surprised. He didn't expect Xu Jiaming to be so polite to Li Mu.

However, Li Mu really got Xu Jiaming's favor this time. He said this, on the one hand, to make the four presidents realize that he has a "great friendship" with him, on the other hand, it is also a potential contract clause for himself. He wants to accompany him to sign the contract together. At that time, these presidents will never change the contract details without authorization. What we talked about today can be signed next week! (.)