Chapter 1257 I Am Innocent Too!

On the field, everyone whispered w..lā

Mobile payment?

Cashless era?

Smart province?

Once upon a time, Jiangbei could be crowned with such a title?

There are more than 30 provinces in the country. Although Jiangbei is not the last batch, it is also ranked in the middle and lower reaches.

Now, Li Dong is actually going to give Jiangbei the name of an intelligent province. Is this a problem that can be done with a simple mobile phone software?

Everyone has doubts, and many people don't even know what mobile payment is.

This is no joke, it's true.

Although everyone is a leader in the business world, some traditional older entrepreneurs don't pay attention to this at all, and even think it is nonsense.

Fund transactions, resolved from the mobile phone?

So, why do you need banks and cash?

If we really want to do what Li Dong said, doesn't that mean that the central bank can close its doors, or the central bank will not close its doors, but the money printing factories will have to close their doors.

Can a mobile phone software really do this?

Seeing everyone whispering, Li Dong said with a smile: "Now everyone thinks that what I said is groundless, and they are not too relieved, or they don't know much about the process and functions of mobile payment.

It’s okay, it just so happens that OPPO sent me a batch of new phones to try out not long ago.

How about this, I will organize everyone to go to the distance to see it later, so that everyone can experience it for themselves.

At that time, you can clearly feel that mobile payment is much simpler and more convenient than it is now.

No more change, no more worries about money being stolen from your wallet, and no more worry about putting too much cash in your bag.

Don't even think about the slow checkout, the impatient paying customer queuing up and abandoning the transaction.

This is still the most preliminary function. In the later stage, we will gradually improve the whole system.

One day, you don't even need to bring your ID card to prove that you are you.

Moreover, we will establish a credit system, cooperate with banks, cooperate with the government, and cooperate with official institutions!

At that time, everyone will take out loans to start a business, buy a house with a loan, and use the loan urgently...

All these do not need to go through tedious review procedures, as long as you have the credit system of Yuanfang Wanka, and the credit reaches the standard, we will take all the responsibilities for you!

If the bank doesn't approve it for you, I will approve it for you!

Or, we take the initiative to become your guarantor, especially for corporate users, with large transaction volume and excellent credit, all problems will not be a problem!

The bank lends money in one month, and in three months...

We can pay you in advance, a day, or even an hour, it's not a problem at all! "

The former words were okay, but the latter words surprised everyone.

loan service!

Li Dong's payment business has already seized part of the bank's business. Now if even the loan business has been seized, what is the point of bank deposits?

If you add savings business, Yuanfang is almost a newborn bank!

Moreover, it is simpler, more intelligent and more humane than modern banks.

Li Dong, can you really do this?

The establishment of a credit system is actually the rudimentary form of a bank. Today, even the banks are not perfect enough to establish this system.

After all, not everyone is going to have a lot of business with a bank, a lot of transactions.

Banks have to review various materials and various risk issues.

But Wanka is different. According to Li Dong, you can use Wanka if you take a bus when you go out, and you can use Wanka when you eat fried dough sticks.

Almost all of your life trajectory, your consumption habits, and your personal financial problems can be fed back to Yuanfang Group through Wanka.

In this way, it is very simple and comprehensive to establish your credit system, which is more comprehensive than the bank's review.

Of course, all of this requires the support of big data.

Without big data, this kind of complicated data analysis and this kind of frequent capital transactions will appear less safe.

But at this moment, Li Dong doesn't need to talk about big data with everyone.

Few of the people present are engaged in the Internet, and they don't understand it.

Li Dong needs them to know, just tell them in the most concise language.

As for whether it can be done and how to do it, that is Li Dong's business, consumers, just take care of the consumers' affairs, this is Li Dong's idea.

Big data, cloud computing, these terms are still considered high-end at present, and everyone does not have a clear concept except for pretending to speak out.

Instead of that, it's better not to say it.

After Li Dong's words fell, someone couldn't help but said: "Mr. Li, can the mobile payment business in the distance really do all this?"

Li Dong said seriously: "Absolutely!"

"That……"

The person who asked the question hesitated for a while before asking, "Where is the bank?"

Li Dong said to himself: "There is no problem, this is the general trend, the bank will only follow me to change, and will not change me!"

A knowledgeable person saw this and asked: "Mr. Li, I have actually used your Wanka mobile payment, and I think it is too complicated.

How different is the new system you are talking about from the previous one? "

Li Dong said with a smile: "In the past, it might take you one minute, three minutes to complete a transaction.

Wait for our new payment methods and new functions to be launched.

All you need to do is turn on your phone, click on the software, scan the code, enter the amount, everything is OK!

If the hand speed is fast, it can be done in three to five seconds; if the hand speed is slow, ten or twenty seconds should be enough.

We are all in business, have you ever worried that your employees will be pocketed, especially in some retail businesses, every transaction is a big problem, and every audit is a big problem?

But once you use the mobile payment service and conduct fund transactions online, all worries can be avoided.

If all payments are made by mobile phones and cash transactions are eliminated, the money will be automatically transferred to your business account without going through any third party.

Of course, there are still difficulties at present. After all, the older generation of consumers are more accustomed to using cash and are practical. I can't change this.

But with the progress of the times and the growth of the new generation, this will definitely be realized in the future.

And this kind of efficiency will save you a lot of labor costs and increase your business share. I am still confident in this.

The same two stores have exactly the same internal and external conditions.

One has used our mobile payment service, and the other has not. I can tell you clearly that your business turnover must be at least 10% short!

Originally, your daily turnover may only be 10,000, but with the 10,000 card, 10,000 is not impossible.

After all, it hurts to spend cash on your hands, but on your phone..."

Li Dong paused, smiled and said, "Everyone will think that it's just a number, so what's the big deal.

It is still troublesome to go to the bank to withdraw money. In order to save trouble, in order to save money, I may only buy 300 for something that was originally bought for 500.

And with Wanka, if you originally bought 500 things, you might buy 1,000.

You will soon realize the difference.

If someone doesn't believe it, you can do a long-term investigation with us, and the final result may exceed your expectations.

The reason why the online shopping market is getting bigger and bigger nowadays is actually related to this.

Cashless transactions will make consumers more willing to go out.

Of course, everyone should not spread this word to the outside world, lest outsiders say that I, Li Dong, have harmed the working people. "

Everyone couldn't help laughing, and the balance in their hearts gradually tilted.

Then someone said: "Mr. Li, is this kind of promotion troublesome?"

Li Dong smiled and said: "There is no difficulty or trouble at all, I said scan the code, you may not understand it very well.

It doesn't matter, you will understand later.

Just post a few pictures in your shopping mall, and open some business accounts for you, and give you some scanning equipment for free. Anything can be completed within a day.

Finally, if you are worried about your funds, you can withdraw cash from your account at any time.

Note that at any time, as long as the bank is open, you can withdraw money. If there is one missing, come to me, Li Dong!

In front of so many people today, if I, Li Dong, dare to deny this account, you will directly lead people to smash into the distance!

Of course, verbally and verbally, we will have electronic agreements.

You can pay attention to it, as long as it is our problem, we will compensate you in full without paying any other fees!

It's still the same as before, if you dare to use it, I dare to pay for it!

In fact, there are these businesses now, but you may not pay much attention to them, or there are not many online shopping, otherwise, you shouldn't have such worries. "

When these words were spoken, many people felt relieved again.

Someone continued: "Our promotion is actually not a big problem, but how consumers accept it is the key point..."

Li Dong smiled and said, "Everyone, who are we?

We are the ones who lead the industry!

We say that the mobile payment service is good, we say that the payment service is more convenient, and we accept the payment service...

How will consumers choose?

Of course, there will be no shortage of necessary promotions!

We have already signed a contract with CCTV, and the advertising of the prime segment will start in 2009 and promote for a whole year!

In addition, we will vigorously promote the major TV platforms, outdoor platforms, including various activities.

At that time, what you should worry about is that when consumers come to you to scan the code, where is your QR code?

Jiangbei is destined to become a benchmark in the cashless era!

And you, you are the trendsetters of the era who lead the trend, together with Li Dong, we will start a new era again! "

"MMP..."

In the crowd, Xu Shengzhe cursed secretly, you can talk about things as you say, every time you have to have chicken soup for the soul at the end.

We are not your employees, is it useful for you to brainwash us?

Thinking of this, Xu Shengzhe turned his head and looked, and was shocked!

Come on!

Among the group of old men present, many of them are still excited, with expressions like I will fight the world with you right away!

Xu Shengzhe couldn't laugh or cry, but he also understood that it wasn't Li Dong's last words that made everyone's blood boil.

Li Dong established some credit systems in front of him, guaranteeing loans from afar, advancing advance payments, increasing consumption, and reducing labor costs without going through a third party for funds...

These are the reasons why everyone is excited!

Li Dong doesn't need to do everything, as long as he can complete a part, it will be beneficial to everyone.

Others don't know much about these things, but Xu Shengzhe knows more than others. Although he has a good relationship with Li Dong, he still asked at this time: "I have a question, how to settle the fee?

I know that the current mobile payment service requires two-way charging.

Consumers need to pay here, and merchants also need to pay.

And including cash withdrawal also requires a fee and a limit!

According to your rate standard, if a consumer buys a house and pays with Wancard, if it is 1 million, the two-way fee will be one point, so wouldn't it be a handling fee of 10,000! "

As soon as these words came out, many people woke up and looked at Li Dong quickly.

Li Dong rolled his eyes, the surname Xu will really add to the chaos!

But this is also a problem that must be solved, Li Dong said with a smile: "Old Xu is right, according to the current market, it is indeed the case.

Don't worry, everyone, next, we have negotiated with major banks.

On the consumer side, there is no longer a handling fee.

Whether it is consumption or cash withdrawal, there will be no extra penny. Of course, the reflected amount is still limited. Currently, the daily limit is 20,000.

In the later stage, we will gradually increase this amount based on the credit system and deepening cooperation with banks, which will not hinder consumers in any way.

As for merchants, we naturally dare to do it, so we have the confidence to do it.

The merchant's account is a special account, and there is no limit to withdraw cash, so you don't have to worry about it.

The handling fee issue is unavoidable, but it is not high. The current standard of the central bank is bank card swiping, and the fee rate is different for each industry.

For some large transactions, there is a capped handling fee.

There are not so many restrictions and distinctions for Wanka. For retail, including catering, the uniform rate is 0.5%.

You may say, since this is the case, why do we bother to do this kind of thing?

In fact, 0.5% is not high at all, and I can promise now that there will be some handling fee subsidies on the far side, and the handling fee you will pay will not exceed 0.% in the end.

Since there is a fee, of course we will not do nothing.

Our Onecard is universal across the country. We will promote it on the Onecard for all merchants who use corporate accounts. Consumers from other places, including local consumers, will see your company while using Onecard. This is a free advertisement. enter.

Of course, those who are really unwilling to bear this cost can use a personal account, so that there is no difference from consumers.

There is no handling fee, but there will be restrictions on withdrawal transactions and the like.

As far as I am concerned, I actually hope that no fees will be charged, but for some things, I have to consider banks, the government, and regulatory authorities.

Once this kind of large-scale transaction is not well supervised and there are no restrictions, it can easily become a means for some people to launder money, and it still costs nothing.

Thank you for your understanding, at least it is much more convenient, cheaper and faster than bank card swiping. "

In fact, everyone can understand this point. If there is no charge, it may be difficult for the remote side to operate.

As long as the purpose can be achieved, the business is really easy to do, and the rate of 0.% is acceptable to everyone.

Everyone can afford the high rate of bank card swiping, let alone this.

Li Dong briefly explained for a while, but everyone didn't say much.

Seeing this, Xu Shengzhe winked at Li Dong, obviously asking for credit.

Li Dong cursed secretly, and dared to claim credit, if it weren't for you bastard, would I need to waste so much time talking.

Let everyone see the convenience of mobile payment, let me talk about this again, it is much easier to accept than now.

Too lazy to talk to him, Li Dong saw that everyone was accepting these messages, and said with a smile: "In short, there is no basis for words, this month, we will test run in some stores and shopping malls in Jiangbei.

I will send you a message later, interested colleagues can take a look together.

Or come to our Yuanfang Group directly, receive us at any time, and let you experience it yourself at any time.

Or, which company wants to try, we can arrange for you to try the effect in advance.

Of course, because the promotion has not been carried out yet, and the mobile terminal has not yet been officially released, the influence is limited, and everyone should not think that the effect of the trial operation stage is the effect of the future. "

Everyone nodded one after another, and Li Dong also put down the microphone, heaving a sigh of relief.

At this time, the focus of the banquet has completely shifted to Li Dong.

Almost everyone is talking about Wan cartoon, talking about the distance, talking about Li Dong...

Li Dong smiled apologetically at Hu Xiaorui, and said embarrassedly: "I seem to have messed up the birthday party."

Hu Xiaorui didn't take it seriously, and said with a smile: "It's okay, in fact, even if they don't talk about this, they will talk about other things.

And I, on my birthday, just want to get your blessing. "

What she said made Shen Qian feel disgusted for her.

Really couldn't hold back, Shen Qian said with a half-smile: "So, even Mr. Hu and the others don't matter?"

Hu Xiaorui snorted: "My parents and I are together, every day is a birthday, and it doesn't matter if one day is missing.

So, for my birthday in the future, I will only invite Li Dong alone! "

Shen Qian was speechless, and after a while she sighed softly: "Forget it, as long as you like it, but there are some things that you should think about yourself.

It's your birthday today, and I don't want to argue with you. "

"Thank you then. If you don't mind, let Li Dong accompany me to watch the moon tonight?" Hu Xiaorui climbed up the pole with a look of expectation.

Shen Qian stared at Li Dong with a black line on her face and said nothing.

Li Dong looked up at the sky, and said after a while: "There is no moon tonight, it might rain, we have to go back early."

Hu Xiaorui snorted softly, puffed her mouth and said, "You can't escape!

I don't believe it, Shen Bingshan can watch you 24 hours a day, as long as she is not around, you will definitely not be able to escape my clutches! "

While saying this, Hu Xiaorui squeezed her tender little hands inward, with an expression that you can't escape.

The corner of Li Dong's mouth twitched, he looked down at his watch, and said haha: "It's getting late, I still have a lot of things to do these days, Xiaorui, then I'll go back first."

Hu Xiaorui nodded, and then said: "I may go to your company to discuss business in the next few days, and I will go when you are here."

Li Dong shrugged his shoulders towards Shen Qian, it's really not my fault, I'm so handsome, I don't want to.

Look at me, I've made it so clear, the little girl still won't let me go, I'm innocent too!

Shen Qian gave him a blank look, but didn't bother to pay attention to him.

I haven't communicated with Hu Xiaorui anymore. Now that the matter is clear, this girl still refuses to give up, and Shen Qian has no choice. Can she still be imprisoned free? )!!