Chapter 233

When the four branch presidents invited by Xu Jiaming arrived, Li Mucai said his own needs and set up an online payment platform to prepare for the next step out of Yanjing in 3321.

Internet banking is a concept that started to develop in China as early as the middle and late 1990s. When major banks completed the first online transfer, TV news also specially reported, which means that domestic banking services have kept up with the trend of the world and entered the Internet era.

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

Li Mu wants to serve as a payment platform for 3321, and the four presidents are somewhat surprised. Zhai yuan, President of ABC District branch, asked Li Mu, "will there be any technical problems in the future when 3321 does online payment? For example, if users pay, but your system doesn't prompt, and so on, 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 all of your branches, but for users, no matter which bank they are the four largest banks, if they use Alipay transfer, then the information they see is that they transfer the bank money to Alipay, so they will think that this money is in Alipay's hands. It is necessary for banks to remind users to deduct fees. If there is any problem in Alipay's feedback, users will definitely contact us.

Zhai yuan nodded and asked Li Mu, "what about the money? How does the user pay for the 3321 of our bank's online banking through Alipay?

Li Mu laughs. "All the funds are deposited in Alipay's account in each branch. We will entrust this trust to you and accept the supervision of the central bank."

Hu Qiyun, President of ICBC, asked Li Mu: "I don't know if there is any mistake in my understanding. Is Alipay preparing to open an account in four of our banks and entrust us with trusteeship? In addition, when users use the four major online banks to transfer to Alipay, will they be transferred directly into Alipay's account in the bank?"

Li Mu said with a smile, "you know what you are saying. If I open an account in your branch, all the 3321 users in the whole country will be remitted to the account opened by Alipay in your branch when they are paid by the Internet Bank of ICBC."

As he said, Li Mu added: "3321 now has millions of running water every week. If it is expanded to other cities in the future, tens of millions of running water every week is possible. At that time, every sum of money will be deposited in the bank account for a period of time. At that time, we will promote 3321 nationwide, and take the four ranks as cooperative support units."

Li Mu said that every week tens of millions of streams of water can be precipitated in Alipay. Four branches of the governor are somewhat surprised. The task of bank storage does not require them to perform in person, but in the end they are counted in their work performance. The settlement of tens of millions of money per week is not a trivial matter for any branch. Besides, Li Mu also wants to sell a favor here. Giving them a green light for Alipay is a natural benefit to them.

, but Li Mu did not say Alipay's future development direction. Li Mu has been communicating with them 3321 times, so that they think Alipay is a derivative of 3321, but as long as Alipay has opened up the interface of bank payment, this payment channel will become the priority among priorities in the development of Internet in the future. How do you play? Using someone else's third-party payment channel is equivalent to putting the switch of the main artery in someone else's hand. Someone else can strangle this artery at any time.

Tencent in the future WeChat crazy to attract hundreds of millions of Chinese people to grab red packets, in order to open up the situation for WeChat payment, and Alipay contend, if there is no WeChat, Tencent mobile Internet era is absolutely dangerous.

The four presidents don't know what development space there is for Internet payment. They just think that this is a tool Li Mu wants to use to assist 3321, but they can't guess that Li Mu's biggest goal is actually to turn it into a platform.

at the moment, for the four presidents, the problem is very simple at the moment. It must be to cooperate with Li Mu, not to mention Xu Jiaming's human relationship. It is only 3321 of the public welfare effect, and 3321 of the future precipitation in Alipay, that is, the cash flow in their bank account, has been denied by them.

In fact, Li Mu is absolutely sure that he can persuade the people in the bank even without the relationship of Xu Jiaming. But the key point is that he doesn't know the people in the bank, and it's very difficult to reach a person at the level of president. But Xu Jiaming is not the same. When he makes a phone call, the presidents of the four major branches will go to the appointment, which is the contact Use, sometimes, the success or failure of things only separated by a layer of yarn, pierce it, everything will suddenly open.

four presidents clash on the spot. Next week, Alipay will open a network payment business to Alipay, and sign a cooperation agreement with Alipay. This is Xu Jiaming's favor. There is much room for negotiation.

, for example, the cycle of money deposited in Alipay accounts, if there is no Xu Jiaming, the bank may have a rigid request, but with Xu Jiaming, this belief can free the banks from bondage.In addition, Alipay's future docking with other channels, Li Mu has also been worried before, if the bank has a discerning eye, Alipay's contract on Alipay's future adaptation platform restrictions on the freedom, and then to talk about the conditions, things will become a bit passive.

Li Mu has spoken to the four governors on the contract terms, and they have made verbal promises, without restriction, to give Alipay absolute freedom.

That's enough.

Li Mu put his heart down and negotiated a signing time with the four people. From next Monday to Tuesday, he signed two contracts every day. The details of the four banks are the same to ensure fairness.

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

Before Li Mu spoke, the four presidents around him were surprised. Unexpectedly, Xu Jiaming was so polite to Li Mu. It was enough to help tie the line and bridge, and even accompanied him to sign the contract.

But Li Mu really got the favor of Xu Jiaming this time. He said that, on the one hand, he wanted the four presidents to realize that they had "a lot of friendship" with him, and on the other hand, he was also potentially striving for the looseness of the terms of the contract for himself. He had to accompany them to sign the contract. At that time, these presidents would never change the details of the contract without permission. How can we talk today How can I sign it in a week! (to be continued. )