Chapter 306: Twenty Trillion Electronic Payment Market

Among them, the first to benefit the most is the series products of Universal Technology.

Including YY coins, Legendary World, Bubble Hall, Fantasy Westward Journey... The number of recharges has increased rapidly.

This is easy to understand.

In the past, there were actually many people who wanted to recharge YY coins, but many people found it troublesome so they didn't.

Some people don't find it troublesome, they just don't want to charge.

But now there is such a fast way to recharge, as long as you lightly click, the recharge will be completed accidentally. In many cases, it may be just a thought, which also improves the efficiency of recharging on the other hand.

Even if I still don't want to charge it sometimes, but the ghosts and gods almost clicked it, and it was charged.

Affected by this, major Internet companies have also sent representatives to cooperate with Universal Technology.

This payment system is really convenient, and it is several times more convenient than the previous one-card card.

In particular, there were some companies that did not cooperate with Huanyu Technology in the past, and this time they couldn't sit still.

Cooperation is required.

Cooperation is required, even at a cost.

Anyone can see the horror of the Internet cafe payment system of Huanyu Technology. If there is a company that still does not want to cooperate with Huanyu Technology, I am afraid that there will be no place for him in the Internet in the future.

In this regard, Universal Technology has also opened its doors and welcomes all companies to cooperate with it.

Even if it is Penguin, Universal Technology has not banned it.

Just for this, Zhang Jianming and Li Nan have some opinions.

"Mr. Chen, why do we still accept the cooperation of Huanyu Technology?"

"Why, you hate penguins so much."

"Mr. Chen, it's not a question of whether you hate it or not. We are direct competitors with Penguin. We have finally defeated him. There is no reason to open channels to them."

"You guys."

Chen Yu smiled and said: "Penguin didn't die so soon. Even if our Internet cafe payment channel doesn't cooperate with Penguin, they can still hold on for a while. Besides, since we choose to open up, we will open up to all those who meet our conditions. Enterprises or individuals should not be open because they are our competitors. Moreover, payment will be one of our core businesses in the future, and we must also be open to everyone.”

Although the current Internet cafe payment system is also very convenient, it has not yet been formed.

He is not the best payment system for Chen Yu to do.

The payment system that Chen Yu will build in the future will be the same as WeChat payment and Alipay payment.

even more than.

However, the road has to go step by step.

For the time being, no payment license has been issued, and the progress of Huanyu Technology in cooperation with major banks is also very slow.

Last time, Zhang Jianming discussed with a leader of the industry and commerce to fully connect to the online banking of the industry and commerce, but the industry and commerce side said that it was still researching.

Who knows how long this study will take.

Possibly 1 year.

Yes but two years.

Three or five years are possible.

But now that Chen Yu has developed an internet cafe payment system, he has temporarily bypassed the bank.

He does not need a bank to complete the payment.

But this is not perfect after all, he is still in the rudimentary version.

The premise of the user's payment is to pay a deposit to the Internet cafe owner, and the Internet cafe owner must also deposit a sum of money in the Internet cafe payment system. Although this is not particularly troublesome, with the popularity of personal computers in the future, where will people go to Internet cafes every day?

Therefore, Chen Yu must let all enterprises and individuals accept the Internet cafe payment system first.

When they accept and get used to it, Chen Yu will launch the 2.0 payment pass version.

In this way, the Internet cafe payment management system can not only transition to Alipay in a perfect way, but at the same time, when negotiating with banks in the future, Universal Technology also has the capital to bargain.

In the words of Mr. Ma, that is, if the bank does not change, then I will change the bank.

Although Chen Yu was so arrogant in his previous life, Teacher Ma, he has now bypassed the bank.

"Mr. Chen, but our payment system doesn't make a lot of money."

The payment function is just a function, although channel fees are also charged, but very little.

If you rely on this to make money, it is not as good as a game.

"It's a little less now. After all, the amount of online payment is not large. You can guess how much our online electronic payment will reach in the next 10 years?"

"The next 10 years..."

Zhang Jianming and Li Nan thought for a while.

Zhang Jianming said first: "If you don't consider the electronic payment on the bank's side, just on our side, our Internet cafe payment amount this year will be up to 5 billion, and it may not even reach it."

Although the Internet cafe payment system is very convenient, not everyone will use it.

Moreover, major enterprises also have their own payment channels, so the amount of money paid by Internet cafes is not large.

"In addition, our channel fee is too low, only 1%, and we can't even earn 100 million a year."

Speaking of which, this is not enough for the development cost of the Internet cafe management system.

At that time, Zhang Jianming suggested that the channel fee should be overcharged. After all, the channel fee for a card is at least 5 points.

And the rebates given to the owners of the Internet cafes are a bit high, so this business is not profitable.

But Chen Yuzhi said that the cost of electronic payment is not big, and 1 point is already very profitable, and Zhang Jianming can't do anything about it.

Of course, the reason why Chen Yu said this was not that he didn't want to make this money.

With an Internet cafe payment system, let alone 1 point, he can charge 10 points.

It's just that if you charge more, other companies will definitely be jealous.

This eye became popular, and some other companies have also developed various payment systems for Internet cafes.

Isn't it just plain finding a competitor for yourself?

Taking advantage of the fact that they have not yet discovered the potential of electronic payment, Chen Yu would rather make less money and spread the market first.

"In the next 10 years, I expect to reach a transaction scale of 100 billion."

This is Zhang Jianming's prediction.

Chen Yu smiled and asked Li Nan: "Li Nan, what do you think?"

"I am more than President Zhang, about 200 billion. If it is calculated at 200 billion, it is still a little profitable. But we have to exclude our operation and research and development costs."

"Oh, forget it, don't guess, I guess you can't guess it if you kill it."

Chen Yu shook his head helplessly.

He thought that Zhang Jianming and Li Nan had good eyesight, but he didn't expect to guess so much.

Also 200 billion.

Chen Yu really wanted to tell them, add 10,000 after 2,000.

right.

That's right, 2000 trillion.

This is the total amount of the entire domestic electronic payment scale in 2018 in the previous life.

Even if it is impossible for Chen Yu to occupy all the payment channels, he will have to occupy the most important part in the future.

Think about it, tens of billions of RMB are paid through your payment channels every year... What kind of scene is that?

Not to mention the channel fee of 1 point, the channel fee of 0.1 point, 0.001 point, is also extremely terrifying.

"Okay, that's it."

Not too much explanation.

The electronic payment market is really not something that can be explained in one sentence or two.

I am afraid that Mr. Ma back then did not expect that his Alibaba could change the payment method in the whole of China.

Take your time, take your time.

Zhang Jianming and Li Nan will naturally understand when miracles are continuously created in front of them step by step in the future.

Just like the subscription on the side of YY Music.

Previously, the number of subscriptions for "Mouse Loves Rice" was only 10,000.

However, after the Internet cafe payment function was opened, the number of subscriptions for Rat Love Rice was like a volcanic eruption.

"100,000."

"200,000."

"500000."

"1000000……"

Yes.

You can't even think about it.

The original 10,000 subscriptions exploded to 1 million in an instant.

"My God, bros, the subscriptions for Rat Love Rice have risen to 1 million."

"It's crazy, it's crazy."

"Powerful, you are too powerful."

Looking at the subscription in the background, Wang Qiwen wanted to scream.

"Hehe, don't get excited, we only spent 1 cent."

"Yeah, if I don't support it for 1 cent, I feel blush."

"How should I put it, I just supported the genuine version. I wanted to support it before, but I couldn't find a place to support it. Now, I can support it directly in the Internet cafe."

"Yes, yes, I also subscribed through the Huanyu Internet Cafe management system in the Internet cafe. What, big brother, we can support the genuine version at any time in the future. Let's sing a few more songs to wow?"

The price of 1 cent is really low.

As low as any online crowd can support a wave.

Not only can they support one wave, they can also support you 10 waves, 100 waves.

It's just a pity that Wang Qiwen has only one song that mice love rice for the time being, and they can only support it once.

However, Wang Qiwen only has only one song, it doesn't matter that the mouse loves rice, and there are a series of other singers.

For example, the fragrance that has also exploded recently.

Xiangxiang also recently sang Mouse Loves Rice, but because Xiangxiang is a woman, this female version of "Mouse Loves Rice" has also been liked by the public, and the number of subscriptions has also exceeded 300,000...

Of course, it's not just the song that the mouse loves rice, but also Xiangxiang's "Pig Song".

It's not over yet.

What followed was a song called "Two Butterflies", which was also circulated on YY Music Network.

Then there was another singer named Tang Lei, whose "Lilac" became popular all over the country for a while.

"YY Music Network has been really cool lately, and there's always going to be a hit."

"Well, first the mouse loves rice, then the pig's song, and now there's a divine comedy like the lilac."

"I suddenly discovered that the songs I listened to recently were all from YY Music Network."

The popularity of a YY Music Network song cannot explain anything.

What about two, three, and four?

Why is there such a situation?

In fact, it is also very simple, that is because of the success of the VIP subscription model.

Ordinary singers finally have a music site where they can post songs and keep them alive.

Although not all the songs of the singers are popular, as long as you have a certain talent, some of the songs you upload can get the support of a certain audience on the YY Music Network. Even if the support is only a few hundred or a thousand people, he can somehow allow these singers to survive.

Life has been guaranteed, and the creative standards of many singers have also risen.

At least the number of songs written has become a lot more than before.

Among so many songs, there are always some songs that can resonate with netizens and eventually become hits.

For example, there was a singer named "Knife Wolf" just now. He was also attracted by the VIP subscription model of YY Music Network, stationed and published a song.

The song is called "The First Snow of 2002".

This is a song written by Daolang when it snowed a few days ago.

This is also the first snow in the area where Daolang is located in 2002.

Looking at the heavy snow in the sky, Daolang was moved.

All right.

Not much to say.

"The First Snow of 2002"

Anyone who has heard it knows that another hit song has appeared.