Chapter 2148: The Subtle Beginning

That is, on the day Xiao Qi returned to Rongcheng, Xiaoyao Mall officially launched a vigorous Spring Festival strategy.

"Let Xiaoyao Mall buy New Year's goods for you!" This slogan has been promoted since Christmas in December, and until now on January 14, the advertising fee has spent nearly 500 million yuan. The national TV platforms, paper platforms, The three major advertising platforms of the print platform are full of promotions for Xiaoyao Mall.

The publicity on the Internet is even more overwhelming. Almost all online shopping users have received no less than three electronic special price lists.

Xiaoyao Mall already has ample experience in big festival promotions.

For example, this time, they still use the most dazzling and best-selling products for limited-time and limited-edition special promotions in six time periods every day.

9:00 am, 12:00 noon, 3:00 pm, 6:00 pm, 9:00 pm, 0:00 am, each time period such as 5,000 IPHONEs, 5,000 Dream Pads, 5,000 Dream Stars, 8,000 Canon compact card cameras, Changhong LCD 10,000 TVs, 20,000 bottles of Moutai, 30,000 bottles of American deep-sea fish oil, 50,000 bottles of Wuliangye, 80,000 boxes of Chilean cherries...

It seems that there are a lot of these things, but if you spread them to the more than 300 million online shoppers in Huaguo, they are not too many at all. It can even be said that many things must be grabbed in order to be snapped up.

In fact it is.

As soon as the first wave of time-limited and limited-edition products was released at 9:00 a.m., they were all sold out in just 5 minutes. Among them, IPHONE, Dream Pad and Dream Stars were not the fastest, but the fastest was the package. The 52-degree Wuliangye for 299 yuan and the 53-degree Feitian Moutai for 599 yuan were all sold out within 1 minute.

The most feared thing on the Internet is to buy fake products. Even in real life, fake Wuliangye and fake Moutai are also emerging one after another.

On the contrary, Xiaoyao Mall is here, because it is a B2C model that buys and sells itself. If you have a problem, everyone can find someone anytime, anywhere, so Xiaoyao Mall is easier to gain trust than offline physical stores.

Originally, the Spring Festival is to drink. Generally, two or three bottles of wine can last a party, let alone the entire Spring Festival.

The price is 10% cheaper than outside, and the insurance of Xiaoyao Mall is added. If Xiaoyao Mall does not limit each person to buy a case of 6 bottles of wine, there is no guarantee that someone will just buy it for business.

In addition to these best-selling limited-time and limited-edition specials, other products in Xiaoyao Mall also use this time period. A large-scale promotional campaign has begun.

The atmosphere of the shopping festival is mostly speculation.

In anticipation of the fiery festive atmosphere of the Spring Festival, Xiaoyao Mall’s various New Year’s goods promotions for the Spring Festival are at least 5% cheaper than usual, and many are even 10% off—this is in the era of online price comparisons, prices are relatively transparent Yes, with such a 10% discount, the users are already delighted.

Online shopping and credit card shopping actually have many similar meanings.

Credit card shopping is the easiest way to max out your credit card. It's because you don't need to count the money from your purse when you buy something, so naturally you don't feel the pain of the red hundred-dollar bills leaving you. So I kept buying, buying, and buying, and ended up spending tens of thousands of dollars without knowing it.

The same goes for online shopping. It’s either recharged to Xiaoyao Wallet, or directly connected to a savings card or credit card. Even cash on delivery is the same. You don’t touch the wallet until the goods arrive in front of you. A lot of stuff.

This is the case for these users who are snapping up things. They only wanted to buy a few things they like and must-haves, but after looking at them, seven or eight or more things were circled in the shopping cart before they knew it. Then click pay directly or cash on delivery.

Some scholars have studied it under the influence of the atmosphere. And when the mood is relaxed, people can easily buy many things that are not in short supply. Therefore, under the influence of this mentality, it is not surprising that the sales of Xiaoyao Mall reached an astronomical figure of 5.8 billion on the first day.

Many people only see that the sales of Xiaoyao Mall are booming, but many people don't see that Xiao Qi actually has another move, which is very important for the future layout.

That is, after Fairy Bank opened, Xiao Qi vigorously promoted the users of Xiaoyao Mall and Taobao.com to apply for Fairy Bank accounts and Fairy Bank credit cards.

Especially for the Fairy Bank credit card, Xiao Qi announced that all users who use the Fairy Bank credit card will not have to pay any handling fees for shopping at Xiaoyao Mall and Taobao.com.

The biggest advantage of a credit card is that besides the convenience of swiping the card, you can spend money first and then repay.

Many people buy things because they don’t have enough cash and deposits, so they think it’s good to have a credit card with a limit of 10,000 or 20,000, and they can buy good things directly. Say it again!

But there is a disadvantage of using a credit card for online shopping, that is, when you swipe your credit card, you need to pay the bank a 1% handling fee.

However, the current Taobao does not allow users to implement this regulation. Such large-scale credit card fees are all paid by Taobao. Users are attracted to Taobao.com.

However, this kind of subsidy may not last forever, especially when Taobao.com has more and more users and more and more credit card users. The handling fee expenditure of tens of millions or hundreds of millions a day is also great for Taobao.com. A great pressure.

Therefore, after cultivating the consumption habits of most users, around 2011 and 2012, Taobao.com officially announced that it would no longer subsidize credit card fees except that the credit card consumption limit of 500 yuan a month was still free. Fees are negotiated between buyer and seller.

Although 1% is not much, many people have wondered, why do I have to pay a handling fee when I swipe my card? Aren’t there no handling fees in shopping malls and restaurants?

In fact, this is also a misunderstanding. In shopping malls and restaurants, if you swipe your credit card, you also have to pay a handling fee to the credit card issuer and clearing center. However, European-style shopping malls and restaurants usually pay for this money for you. For sheep, the money has already been counted in the money you spend.

Shopping on the Internet is different. Take Taobao.com as an example. After Taobao.com gave up the credit card fee subsidy, the profits of small and medium-sized sellers on Taobao.com will be small. If they pay 1% of the handling fee, the cumulative Down is also a big expense, so these sellers usually ask buyers to pay 1%.

Of course, the buyer feels uncomfortable, thinking that the seller is too stingy, so there are too many things to talk about.

Before the opening of Fairy Bank, Taobao.com and Xiaoyao Mall were all responsible for the credit card fees of users, but after Fairy Bank opened, Xiaoyao Mall first announced that it would charge a 1% handling fee for all credit cards except Fairy Bank. Then Taobao.com, which is controlled by Xiao Qi, also announced the same policy two or three years in advance.

Although it is only a mere 1% of the handling fee, there are definitely a lot of people who switch to Fairy Bank citation cards because of this.

Over the past few months, Fairy Bank has processed more than 7 million credit cards, and there is no pressure to break through 30 million in 2009.

If you have a credit card, you can get a user's credit information, which is a very good thing for increasing the number of Fairy Bank users.

Now is not the best time for Fairy Bank to develop users. When online shopping develops vigorously and penetrates into the vast majority of shoppers in the 16-50 age group, the number of credit cards alone will exceed 100 million.

Then, there is the next mobile payment terminal, which also needs to be bound with a bank card. Whether it is Taobao, Xiaoyao Mall, WeChat, etc., give priority to binding the savings card and credit card of Fairy Bank, and then you can increase user.

The last online wealth management product is also produced by Fairy Bank. This wealth management product with no threshold on the Internet will increase the number of middle-aged and elderly people to open accounts.

Following this trilogy, Fairy Bank can achieve at least 300 million user groups, which is at least the top ten level in the banking industry in Huaguo.

Conversely, Fairy Bank can also turn several fairy-like companies into a group. After Fairy Bank itself develops and grows, it will in turn give these companies strong financial support for them to develop and overcome difficulties.

In this way, Xiao Qi's previous vision was achieved.

In Xiao Qi's ideal concept, with the Fairy Bank as the center, the Fairy Bank, the Xiaoyao Bank, and the Taobao Bank as the skeleton, plus some other well-run holding companies as the flesh and blood, thus forming a A true syndicate giant.

Diversification is a necessary goal of a consortium.

Companies with a single operating situation often have a weak ability to resist risks.

No matter how powerful online commerce is, it must be supported by offline carriers.

The banking industry will never be completely completed online, which is impossible in developed countries such as Europe and the United States!

In the land of Huaguo, banks are involved in many aspects. Even if it is a private bank, the state will not allow it to close down. This adds another insurance to the Xiao's consortium.

Therefore, Fairy Bank is indeed an important finishing touch in Xiao Qi's business empire! (to be continued ~^~)