Kong Lingyu has been very busy recently. He has never been idle for a moment since he came to Yanjing, because when he came to Yanjing this time, he had many more responsibilities than when he was in Jinling. In Jinling, he was responsible for a technical team, leading everyone to develop according to Li Mu's requirements, but now, he plays the role of the general manager of Makino Technology. Suddenly, many things require him to pay attention, understand and even operate.
Fortunately, with Lin Qingya's help, he was able to stay in order among the chaos and was not cluttered by many complicated things.
On Saturday, Kong Lingyu just finished connecting with Baidu's technical staff online. In the future, the daily maintenance of 3321 will be transferred to Baidu, and he can have one less thing at hand. He plans to temporarily focus on what he is best at. Putting technology aside, he quickly worked with Lin Qingya to figure out the company's articles of association and performance appraisal, as well as the issue of personnel recruitment. Although Lin Qingya had planned a new department structure, the company was still in urgent need of talents. In this state, these problems must be solved quickly so that Makino Technology can truly get on the right track.
On Sunday, Kong Lingyu originally planned to sort out the performance appraisal plan at home, but Li Mu called and said, "Come to Yucheng Garden. I have something to discuss with you."
As soon as Kong Lingyu heard his tone, he guessed that there must be a new mission coming. Although he felt miserable in his heart, there was a kind of pilgrim-like expectation and excitement in his bones.
He has long regarded Li Mu as his only beacon in the Internet world and his only guide on his career path, so he has been looking forward to seeing what new things Li Mu has that can open his eyes.
So he took his laptop and took a taxi to Yucheng Garden.
In Li Mu's living room, he heard Li Mu talk about the blueprint of "Alipay" for the first time.
Kong Lingyu's first impression is that this blueprint is not too big, it is just a means of online payment. Now that the viscosity of 3321 is so high, it has almost become a strong demand for students' parents. In this case, no matter how troublesome the current payment is, , they will not have any complaints, and even if they do have complaints, it will not affect their payment actions. So at the moment, it seems that focusing so much energy on building an online payment platform seems to be a bit of a fuss.
Li Mu didn't blame him for not having enough vision.
In fact, telling anyone on the Internet about Alipay’s most basic payment model probably won’t get much attention.
Nowadays, no company is interested in this kind of online payment platform, because there is almost no demand for online shopping on the current Internet. Most of the Internet consumption behaviors are virtual products of online games, such as point cards.
However, online game companies have already developed offline payment channels. Online payment is not very attractive to them, and they will not invest a lot of energy in developing such a thing.
Even Mr. Ma, the founder of Alipay, will not look beyond the e-commerce itself to see the development prospects of Alipay. What's more, Alipay's early positioning was just a tool to enhance the trust of Taobao users. As for this "tool", it has become more and more popular. The bigger it gets, the more Alipay can eventually become a special aircraft carrier full of cash in the Internet industry, it is mostly the result of unintentional intervention.
Li Mu could not tell him that the payment platform was just a means to gather users and bundle their habits. In the future, he would want nearly half of the capital flows on the Internet to go through Alipay. He would also let Alipay be paired with a huge e-commerce platform, such as Taobao. ; He will even become a major shareholder of JD.com before it becomes bigger, and finally turn Alipay into a super financial platform with huge capital accumulation.
Even Li Mu himself is not sure whether he can really make Alipay a reality if he makes Alipay. He thinks that there are too many things to consider and worry about, and it is too easy to be controlled by policies.
After seeing Li Mu's product framework, Kong Lingyu said with some worry: "These are all our wishful thinking. If the bank is not willing to open this interface for us, everything we have done will be in vain."
Li Mu nodded: "Is there anything else? Let's continue."
Kong Lingyu said: "I don't know what to say. You are the BOSS after all, and although many of your past things seem impossible to me, your successes have given me absolute information about you. But , this time seems to be a little different. Compared with banks, our size is too small. What I doubt is not Alipay’s model, but the links that Alipay needs to open up.”
Li Mu smiled slightly and said: "You are right. If you compare Makino Technology with the banking system, it is basically the same as the difference between Sesame and Watermelon. Not to mention the four major banks, even other joint-stock commercial banks. We are far inferior to others.”
Hearing this, Kong Lingyu also frowned. Yes, how to establish cooperation with the bank? If this layer cannot be solved, the Alipay project will not be possible.
At this time, Li Mu changed the subject, and asked with a hint of confidence and a hint of mischief in his brows: "Just, let me ask you a question, why do we have to deal with the entire banking system?"
Kong Lingyu was dumbfounded: "What do you mean? Cooperate with one of the bank brands alone?"
"No." Li Mu shook his head: "We work directly with the lowest branches. For example, there is an ICBC Renmin University branch downstairs."
"Cooperate with them?!" Kong Lingyu didn't understand even more.
Li Mu nodded and smiled, took out a piece of A4 paper, drew a cloud shape on it, wrote the words Alipay, drew a circle in the lower left corner, wrote 3321, and finally drew a circle in the lower right corner and wrote " A branch in Yanjing."
After drawing these, Li Mu focused on the circle 3321 and repeatedly drew thick circles and explained to Kong Lingyu: "We are now able to attract cash from 5,000 paying parents. On average, it is no less than 5 million per month. This is only 3321 In the initial stage, we will double this number in the future. We may also go to Shanghai and Yangcheng to carry out 3321 business. It may only take half a year, and we will absorb more than 1,000 paid funds every month. Ten thousand."
As he spoke, Li Mu drew an arrow from the circle of 3321 to the cloud of Alipay, and said: "I used to transfer the funds directly to the bank account, but I don't want to do that now. I want to get the money in." In Alipay, for any branch, this money represents huge benefits and performance. If I promise that this money will be deposited in their bank for a week or half a month, do you think they will treat me as a person? What?"
Kong Lingyu's eyes lit up: "I will offer you as the God of Wealth."
"That's right." Li Mu nodded, and drew another arrow, from the cloud on Alipay to the circle of a branch in Yanjing, and said: "Such a huge flow of funds is deposited in our Alipay. I can choose to transfer this amount The money is deposited with any bank. If I use this to negotiate cooperation with them, I believe that any branch will not refuse, and I don’t need them to really pay anything. The only thing I have to do is open an online payment merchant for me. For example, as long as an ICBC bank opens an online payment merchant for me, then all ICBC online banking users across the country can pay to Alipay or withdraw cash from Alipay through this channel!"
As soon as he said this, Li Mu slapped the A4 finger vigorously. His fingertip pointed at 3321, and said with an unfathomable look: "Don't forget, I have the golden sign of 3321, and now 3321 With such a great reputation, it will be beneficial for anyone to get involved with him. Which bank do you think will refuse? If 3321 can be reported positively by China CCTV in the future, everything will be better! This is called a huge effort and the linkage of resources as much as possible! "
Kong Lingyu's mind buzzed.
He still doesn't think Alipay will have much development prospects in the future, but Li Mu's method of making a big difference made him seem to have opened up a new world.
Just now, he was still struggling with whether 3321, Alipay, or Makino Technology. Even if all three of them were packaged, they would still be negligible in front of any banking system. In this case, how could Is it possible to open up the entrance and exit of this layer of funds
However, Li Mu doesn't think about the problem that way. He never thinks about how insignificant he is standing in front of the four major banks or any commercial bank, because he has already had his own calculations. All I want is a banker. It is just a recognized payment merchant. As long as you open an account in any bank, it is equivalent to having access to the entire network of this bank.
To put it simply, it is like a POS machine. As long as you apply for a POS machine, you can link your card payment merchant with the bank cards of all domestic banks.
For Li Mu, this method of operation can be said to be his biggest reliance on Alipay, but he still told Kong Lingyu secretly, because he not only needed Kong Lingyu to help him write code, but also needed Kong Lingyu to grow and improve in a timely manner and become a A general who can help him make a decisive move. Therefore, he must be taught many things to make him aware of the future operation model of the Internet world, making him sharper and stronger.
Kong Lingyu's admiration for Li Mu has once again reached a new level. With such a monster boss, his potential progress and improvement are beyond his imagination before. What's more, Li Mu is a boss who knows how to make profits. When it started, he had already given Kong Lingyu options for Makino Technology. Compared with many bosses who only gave their employees pies to satisfy their hunger, a boss like Li Mu was too rare.
Kong Lingyu stood up excitedly and blurted out: "BOSS, leave this matter to me. Within half a month, oh no, twenty days at most, I will develop Alipay for you!"
Second update! There’s another update tonight!
(End of chapter)