Chapter 1255

On the field, the crowd whispered.

Mobile payment?

Cash Free era?

Intelligent province?

Once upon a time, Jiangbei can also be crowned with such a name?

Although Jiangbei is not the last batch of more than 30 provinces in China, it also ranks in the middle and lower reaches.

Now, Li Dong is actually ready to put Jiangbei in the name of an intelligent province. Is this a simple mobile phone software can do?

People have doubts. Many people don't even know what mobile payment is.

It's not a joke, it's true.

Although all of us are business leaders, some of the old generation entrepreneurs do not pay attention to this at all, and even think it is nonsense.

Capital transaction, from the mobile phone to solve?

So, what do you need to do with banks and cash?

If we really want to achieve what Li Dong said, is it not to say that the central bank can close down, or if the central bank does not close, the banknote printing factory will have to close down.

A mobile phone software, can really do this?

Seeing that everyone was whispering, Li Dong said with a smile: "now you think what I said is empty of words, and I'm not too confident, or I don't know the process and function of mobile payment.

It doesn't matter. Just recently oppo sent me a batch of new machines for trial use.

Well, I'll organize you to have a look in the distance and let you have a personal experience.

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 worry about the money in your wallet being stolen, no more thinking about putting too much cash in your bag.

You don't even have to think about the slow checkout, the impatient paying customers, who are queuing up to give up the deal.

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

Do one day, you do not even need to bring ID card, you can prove that you are your situation.

We will cooperate with the government and the bank, and we will cooperate with each other!

At that time, everyone loans to do business, loans to buy houses, loans in urgent need

These do not have to go through the cumbersome audit procedures, as long as you have the credit system of remote ten thousand card, and the credit reaches the standard, we will undertake all responsibilities for you from afar!

The bank does not give you approval, I give you approval!

Or, we take the initiative to become your guarantor, especially enterprise users, with large transaction volume and good credit, all problems will not be problems!

The bank lends one month, three months

We can pay you in advance, one day, even an hour, which is not a problem at all

The words in the front are OK, but the words in the back are startling.

Loan business!

Li Dong's payment business has already occupied part of the bank's business. Now, if the loan business is seized, what is the significance of bank deposit?

If you add the savings business, then the distance is almost a new bank!

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

Li Dong, can you really do this?

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

After all, not everyone has a lot of business with the bank, a lot of transactions.

The bank should examine all kinds of materials and various risks.

But wan cartoon is different. According to Li Dong, if you go out and take a bus, you can use it. If you eat a stick, you can use it.

Your life track, your consumption habits, and your personal capital problems can almost be fed back to the remote group through ten thousand cards.

In this way, the establishment of your credit system is very simple and comprehensive, more comprehensive than the bank's audit.

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

Without big data, this kind of complicated data analysis, this kind of frequent capital transaction, will appear not so safe.

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

Few of the people present were engaged in the Internet, and they did not understand.

What Li Dong needs them to know, just tell them in the simplest language.

As for whether it can be done and how to do it, it is Li Dong's business. Consumers only care about consumers' affairs. This is Li Dong's idea.

Big data, cloud computing, these terms are still very big at present. We don't have a clear concept when we say that we have removed the installation force.

It is better not to say so.

After Li Dong's voice dropped, some people couldn't help saying, "Mr. Li, the remote mobile payment business, can really do all this?"

Li Dong said solemnly, "absolutely."

"Well..."

The questioner hesitated and said after a while, "where's the bank?"Li Dong confidently said: "there is no problem, this is the general trend, the bank will only follow me to change, not to change me!"

A knowledgeable person asked, "Mr. Li, I have used your mobile payment with ten thousand cartoon cards. I think it is too complicated.

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

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

Wait for our new means of payment, new functions online.

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

If the hand speed is fast, it will be finished in three or five seconds. If the hand speed is slow, it should be enough in ten or twenty seconds.

All of us are enterprises. Have you ever worried that the employees of our company will get rich in their own pockets, especially in some retail businesses. Every time a transaction is checked, it is a big problem?

But once the use of mobile payment services, online capital transactions, all the worry can be avoided.

If you pay all by mobile phone and stop cash transaction, the money will be automatically transferred to your business account without passing through any third party.

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

But with the progress of the times, the new generation will grow, which will surely be realized in the future.

Moreover, such efficiency will save you a lot of labor costs and increase your business share. I am confident about this.

For the same two stores, the internal and external conditions are completely the same.

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

Originally, your daily turnover may be only 10000, with 10000 cartoon, 10000 is not impossible.

After all, cash is a pain in the hand, but it can be spent on a mobile phone... "

After a pause, Li Dong said with a smile: "we will think that it is not just a number. What a big deal this is.

It's troublesome to go to the bank to withdraw money. In order to save trouble and save money, if you originally bought 500 things, you might only buy 300.

But with ten thousand cartoon, originally bought 500 things, may buy 1000.

This gap, you will soon realize.

If someone doesn't believe it, they can do a long-term investigation with us. The final result may be beyond your expectation.

Nowadays, the reason why online shopping market is getting bigger and bigger is actually related to this point.

Cashless transactions will make consumers more open-minded.

Of course, don't spread this word to the outside world, lest outsiders say that I, Li Dong, have entrapped the labouring masses. "

All of them could not help laughing, and the balance in their hearts gradually tilted.

Then there was humanity: "Mr. Li, is this kind of promotion troublesome?"

Li Dong said with a smile: "there is no difficulty and trouble at all. I said scan code, you may not understand it very well.

It doesn't matter. You'll see later.

Just post a few pictures to your shopping mall. In addition, I will open some enterprise accounts for you and give you some code scanning equipment for free. Anything can be completed in one day.

Finally, if you don't trust the funds, you can withdraw money from your account at any time.

Attention, at any time, as long as the bank is open, you will withdraw money. If you are short of a eldest son, you can come to me, Li Dong!

Today, in front of so many people, if I, Li Dong, dare not recognize this account, you will directly lead people to smash the distance!

Of course, verbally, we will have electronic protocols.

You can pay attention to see, as long as it is our problem, full compensation, no need to pay any other fees!

Or before, you dare to use, I dare to pay!

In fact, there are these businesses now, but we may not pay too much attention to them, or there are not many online shopping. Otherwise, you should not have such worries. "

Many people are reassured by the words.

Continue to be humane: "our promotion is not a big problem, but how consumers accept it is the key point..."

Li Dong said with a smile, "ladies and gentlemen, who are we?

We are the leading industry!

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

How will consumers choose?

Of course, the necessary promotion, will not be less!

We have signed a contract with CCTV. The golden section advertisement will be promoted for a whole year from 2009!

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

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

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

And you are the trendsetters who lead the trend. Join me, Li Dong, to start a new era again“MMP……”

In the crowd, Xu Shengzhe secretly scolds, you say things, every time you finally have to come to the heart chicken soup.

We are not your employees. Is it useful for you to brainwash us?

So thinking about it, Xu Shengzhe turned his head and looked at it, and he was shocked!

Damn it!

There are a lot of old men in the scene, but many of them are still boiling with blood. I will fight with you immediately!

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

Li Dong established some credit systems in front of him, guaranteed loans from afar, advanced payments, increased consumption, capital did not pass through a third party, and reduced labor costs

These are the reasons why we are so excited!

Li Dong doesn't need to do it all. As long as he can complete part of it, it is good for everyone.

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

I do know that the current mobile payment business needs two-way charging.

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

And include withdrawal also need to pay and limit!

According to your rate standard, if the consumer buys a house, pay with ten thousand cartoon, if it is one million, two-way fee will have a point, it is not to want ten thousand service charge! "

As soon as the words came out, many people woke up and looked at Li Dong in a hurry.

Li Dong rolled his eyes. Xu's name will add to the confusion!

However, this is also a problem that must be solved. Li Dong said with a smile: "Lao Xu is right. According to the current market situation, it is true.

But you can rest assured that we have reached an agreement with the major banks.

On the consumer side, there will be no handling charges.

Both consumption and withdrawal will no longer cost an extra cent. Of course, the amount of withdrawal is still limited. At present, the daily limit is 20000 yuan.

In the later stage, we will gradually increase the amount according to the credit system and the cooperation with banks, which will not hinder the consumers.

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

The merchant's account is a special account, and withdrawal is not restricted. You need not worry about this.

This is unavoidable, but it is not high. Now the standard of the central bank is to swipe the bank card. The rates of various industries are different. The higher one is, the lower is 0.38%.

For some large transactions, there is a ceiling fee.

There are not so many restrictions and no so many distinctions. In terms of retail, including catering, it is unified by 0.5%.

You may say, in that case, why do we have to work so hard?

In fact, 0.5% is not high at all, and I can promise now that there will be some service fee subsidies on the far side. In the end, the handling fee you pay will not exceed 0.3%.

Since we charge, we certainly don't do nothing.

Our ten thousand card is universal in China. All merchants who use enterprise account will promote it on ten thousand card. Foreign consumers, including local consumers, will see your enterprise when using ten thousand card. This is regarded as free advertising access.

Of course, if you really don't want to bear the cost, you can use a personal account, so that there is no difference with consumers.

There is no service charge, but there will be restrictions on withdrawal transactions and so on.

As far as I am concerned, I really hope that there will be no charge. However, I have to consider the banks, the government and the regulatory authorities.

Once the supervision is not effective and there are no restrictions, such large transactions can easily become a means for some people to launder money without any cost.

We should understand more. At least, compared with the bank card, we should be more convenient, cheaper and faster. "

In fact, we can understand this point. If we don't charge any fees, I'm afraid it will be difficult for us to operate from afar.

As long as the goal can be achieved and the business is really good, we can accept the 0.3% rate.

Even if the bank card charges such a high rate, we can bear it, don't say that.

Li Dong explained briefly for a while, but the crowd did not say much.

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

Li Dong secretly scolded and dared to ask for credit. If it wasn't for you, you son of a bitch, I would have needed such a lot of words.

Let's see the convenience of mobile payment. Let me talk about this again. It's much easier to accept than now.

Lazy to pay attention to him, Li Dong saw that everyone was receiving these messages, and he said with a smile: "in a word, there is no basis for words. This month, we will test run some stores and shopping malls in Jiangbei.

I'll send you a message later. Interested colleagues can have a look together.

Or come directly to our remote group to receive them at any time and let you have a personal experience at any time.Or, which enterprise wants to try, we can arrange you to try the effect in advance.

Of course, at present, because it has not been promoted, and the mobile phone has not been officially launched, the influence is limited. We should not think that the effect of the trial operation stage is the effect in the future. "

Everyone nodded, Li Dong also put down the microphone, slightly relieved.

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

Almost all of us are talking about Wan cartoon, distance, Li Dong

Li Dongchao Hu Xiaorui apologized with a smile, embarrassed: "the birthday party, as if I was confused."

Hu Xiaorui didn't care, and said with a smile: "it's OK. In fact, even if they don't talk about these things, they also talk about other things.

And I, for my birthday, just want your blessing

What she said was numb for her.

Really did not hold back, Shen Xi said with a smile: "so, even President Hu and they are dispensable?"

Hu Xiaorui hummed: "my parents and I are together, every day is a birthday, less day is OK.

So, I'll only invite Li Dong on my birthday! "

Shen Xi was speechless. After a long time, she sighed, "forget it. You'd better think about some things yourself.

I don't want to argue with you on your birthday

"Thank you. If you don't mind, let Li Dong accompany me to watch the moon tonight?" Hu Xiaorui climbs up the pole and looks forward to it.

Shen Xi, with a black line on her face, stares at Li Dong and doesn't speak.

Li Dong looked up at the sky and said after a long time: "there is no moon tonight. It may rain. We have to go back early."

Hu Xiaorui snorted and said, "you can't escape!

I don't believe that Shen Bingshan can stare at you 24 hours a day. As long as she's not here, you can't escape from my hand! "

At the same time, Hu Xiaorui's white hand pinched inside, a pair of you can't escape the expression.

Li Dong's mouth twitched, looked down at his watch, and said with a laugh: "it's getting late. I still have a lot of things to do these days. Xiaorui, I'll go back first."

Hu Xiaorui nodded, and then said: "I may go to your company to talk about business these days. I will go again when you are here."

Li Dongchao shrugged her shoulders. It's not my fault. I'm so handsome, I don't want to.

You see me, said so clearly, little girl still don't let me go, I am also very innocent!

Shen Xi gave him a look, but she didn't care about him.

No more communication with Hu Xiaorui, so far, the words are clear, this girl is not willing to give up, Shen Xi also has no way, can you still imprison her freedom?

It's Li Dong. Shen Qian gives Li Dong a look, but she still can't let this guy be too proud.

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