After the four branch presidents invited by Xu Jiaming arrived, Li Mu expressed his needs and built an online payment platform to prepare for 3321's next move out of Yanjing.
Internet banking is a concept that has been developed in China as early as the mid-to-late 1990s. When major banks completed the first online transfer, TV news specifically reported on it, which meant that domestic banking services could keep up. Following the trend of the world, we have entered the Internet era.
But in the following few years, the development of online banking in China can almost be described as stagnant. Except for a very small number of people who know how to use and dare to use online transfers, most people are still unfamiliar with online banking.
Li Mu wants to build a payment platform for 3321, and the four bank presidents are also a little surprised. Zhai Yuan, the president of the Agricultural Bank of China branch, asked Li Mu: "3321 is doing online payment. Will there be any technical problems in the future? For example, the user has paid, but your There is no prompt in the system. If this causes a dispute, will it affect the bank's complaint rate?"
Li Mu said with a smile: "I need to open online payment merchants in your branches, but for users, no matter which of the four major banks they are customers, as long as they use Alipay to transfer money, the information they see is They transferred the money from the bank to Alipay, so they will think that the money is given to Alipay. As long as the bank clearly reminds the user that the fee has been deducted, if there is a problem with Alipay's feedback, the user will definitely contact us. "
Zhai Yuan nodded and asked Li Mu: "What about the funds? How do the fees that users pay to 3321 through Alipay in our bank's online banking end up being settled?"
Li Mu said with a smile: "All funds are deposited in the accounts opened by Alipay in various branches. We will entrust this money to you and accept the supervision of the central bank."
ICBC President Hu Qiyun asked Li Mu: "I don't know if my understanding is wrong. Is Alipay planning to open an account in all four of our banks and entrust us with custody? In addition, users use the online banking of the four major banks to transfer money to Alipay." At that time, should I transfer it directly to the account opened by Alipay in the bank?"
Li Mu said with a smile: "President Hu, you understand correctly. If I open an account at your branch, in the future, when all 3321 users across the country pay through ICBC online banking, the money will be transferred to Alipay and opened at your branch." account."
With that said, Li Mu added: "3321's current weekly turnover is several million. If it expands to other cities in the future, it is possible that its weekly turnover is tens of millions. By then, every money will be in the bank account." After settling for a period of time, we will also include the four major groups as cooperative support units when 3321 is promoted nationwide."
Li Muyi said that tens of millions of turnovers could be deposited in Alipay every week. The four branch presidents were a little surprised. Although the bank's task of attracting deposits did not require them to carry out it personally, it was still included in their work performance. , depositing tens of millions of funds every week is no small matter for any branch. What's more, Li Mu wants to sell them a favor here and give Alipay the green light, which is naturally beneficial to them without any harm.
However, Li Mu did not say anything about the future development direction of Alipay. Li Mu has always used 3321 to communicate with them, making them think that Alipay is a derivative of 3321. But as long as Alipay opens the bank payment interface, this payment channel will become his future Internet The top priority for the development of the field. If you want to make money from the Internet, how can you do it without your own payment channels? Using someone else's third-party payment channel is equivalent to putting the switch of a major artery in someone else's hands. Others can strangle this artery at any time.
Tencent will madly attract hundreds of millions of Chinese people to grab red envelopes on WeChat in the future, in order to open up a situation for WeChat payment and compete with Alipay. Without WeChat, Tencent in the mobile Internet era will definitely be extremely dangerous.
The four bank presidents didn’t know what potential there was for the development of Internet payment now. They just thought it was a tool that Li Mu wanted to use to assist 3321, but they couldn’t figure out that Li Mu’s biggest goal was to turn it into a platform.
For the four presidents, the problem at hand is extremely simple. They must fully cooperate with Li Mu. Not to mention the personal relationship with Xu Jiaming, it is just the public welfare effect of 3321. The future of 3321 will be deposited in Alipay, which is their bank account. The cash flow there was already too much for them to refuse.
In fact, Li Mu was absolutely sure that even without Xu Jiaming's relationship, he could still convince people in the bank. But the most critical problem was that he didn't know anyone inside the bank, so it was very difficult to get in touch with a president-level person. Difficult, but Xu Jiaming is different. With a phone call from him, the branch presidents of the four major banks will honor him and go to the appointment. This is the use of connections. Sometimes, there is only a veil between the success and failure of things. If you pierce it, , everything suddenly became clear.
The four presidents decided on the spot to open an online payment merchant for Alipay next week and sign a cooperation agreement with Alipay. With Xu Jiaming's favor, Li Mu believed that there was a lot of room for negotiation in the details of the contract.
For example, if there is no Xu Jiaming, the bank may have a rigid requirement for the period when funds are deposited in the Alipay account. But with Xu Jiaming here, I believe this can eliminate the constraints of the bank.
In addition, Li Mu has also worried about Alipay's future connection with other channels. If there are discerning people in the bank, Alipay's contract will restrict Alipay's freedom to adapt to the platform in the future, and then use this to negotiate conditions, things will be complicated. Will become somewhat passive.
Li Mu verbally reviewed the contract details with the four presidents. They all verbally promised to give Alipay absolute freedom on the above two points without any restrictions.
This is enough.
Li Mu felt relieved and negotiated a signing time with the four of them. From Monday to Tuesday next week, two contracts would be signed every day. The contract details of the four banks were consistent to ensure fairness.
Xu Jiaming said to Li Mu: "I happen to have nothing to do next week. Didn't your car crash? Then I will drive with you to sign the contract and be your driver."
Li Mu hadn't spoken yet, but the four bank presidents around him were a little surprised. They didn't expect Xu Jiaming to be so polite to Li Mu. He just helped with the matchmaking, but even accompanied him to sign the contract.
However, Li Mu really accepted Xu Jiaming's favor this time. He said this, on the one hand, he wanted the four bank presidents to realize that he had a "close relationship" with him, and on the other hand, it was also to potentially secure contract terms for himself. If he wants to sign the contract together, these bank presidents will definitely not change the contract details without authorization. Whatever we talked about today, we can sign it next week!
(End of chapter)