The living room fell into silence for a moment.
Ma Fengyun looked at Yang Dongxu and said with a slightly heavy expression, "The reason I get Huabei is not just to compete with Alipay. Huabei is an important supplement to online shopping."
"Understood, not only are you getting flowers, Jingdong will also get a white slip or something, and Suning will probably get an overdraft balance or something." Yang Dongxu nodded.
Huabei, which is similar to credit card overdraft expenses, is indeed a great supplement to online shopping. No matter how many people become slaves of Huabei like card slaves due to its appearance, the first thing they do when their monthly salary arrives is to pay back the money.
Only from the perspective of online shopping, only from the perspective of promoting consumers to shop online, and solely from the perspective of capital. Although the advent of this software is not as epoch-making as Alipay, it is at least as significant as a milestone.
And after being cheated once by Alipay, although UnionPay is very strict about online payment methods. But after all, it is the development trend of the times.
Even if Ma Fengyun doesn't get a flower, according to the current active trading in the Internet market. It is impossible for everyone to be stuck with the Alipay card.
Jingdong Pay, NetEase Pay, Suning Pay, etc., either direct or curved online payment methods like Huabei, are all on the way.
It’s just that Dibaobao is the most popular right now, Alibaba is developing the fastest, and Ma Fengyun was the first to jump out. If he could endure it just a little longer, maybe the strong man on Jingdong's side, even if he relied more on Yang Dongxu than Ma Fengyun, couldn't help but disobey his master first.
The general trend of the development of the times is here, and although Alipay has made UnionPay realize that online payment cannot be opened casually.
But Alipay doesn’t do Huabei, and it doesn’t do Yu’E Bao. It's just that the transfer fees and convenience make UnionPay feel a bit threatened by itself, and this gap cannot be easily let go.
But it's just that these threats are obviously limited, and the holes are not that tight. Whether it is Alibaba or Daqiangzi, even if they are concerned about Yang Dongxu, the major shareholder, they can still obtain online payment licenses from other channels.
For example, Ma Fengyun’s Huabei, isn’t the financial loan license for online payment credit loans just like this?
Therefore, although Ma Fengyun was obviously provocative to him from the outside, Yang Dongxu was not that angry in his heart, and there was no conspiracy against Ma Fengyun.
Of course, although I don't care about this in my heart, I can't show it on the surface. Everyone feels that this is a provocative act, and you are just as happy as a normal person.
If you don't care when other people look at it and provoke you, can I take advantage of it?
Especially on Ma Fengyun's side, he dared to provoke the other party even if he had a cold face. If he gave the other party a smile, this daring guy would still turn the world upside down in the future.
"As long as you understand, it's not just Huabei. In my idea, you can actually open an online bank. To put it bluntly, a bank is actually a credit structure.
As long as our credit standards are met and people trust us, then online bank deposits and withdrawals are completely trustworthy. And online banking is more convenient and faster than offline banking.
There are no handling fees for transfers, and it is convenient for transactions. It does not have the superior service attitude of offline banks, and its service and work efficiency are much higher than those of offline banks. "Ma Fengyun said.
He felt scared, so he wanted to use Yu'e Bao to repay Yang Dongxu and let him calm down?
Obviously not, he only proposed the idea of an online bank similar to Yu'E Bao at this time. That's because this guy is smarter than anyone else and knows what it means to set up an online bank. He feels a little unsure and wants to get Yang Dongxu, an absolute boss, to take the lead.
If it weren't for the fact that he didn't know what he was doing, and that this matter involved too many things, he wouldn't have been so kind to drag Yang Dongxu into the car.
This guy is not tall and not fat, but he is extremely possessive. Eat whatever you can completely eat, even if it means risking it. Only when you can't predict the danger and feel that your small body really can't handle it, would you think of finding a partner.
"The current banking efficiency and procedures are indeed too rigid, and there are too many areas that need improvement and promotion." Yang Dongxu nodded and agreed again with Ma Fengyun's words.
That faint smile at the corner of his mouth is full of profound meaning.
Ma Fengyun didn't catch this subtle expression on his face, but after hearing that he directly agreed with her opinion. Ma Fengyun was stunned at first, and then looked ecstatic, "Director Yang also feels that online banking can be done."
"It can be done. Not only can it be done, but it must be done with great fanfare. There are indeed many problems in the current banking industry, both in terms of services and systems. Some external pressure is needed to remind them that they cannot always act in the same old way and should wake up. We may not say we are leading the times, but at least we cannot become a stumbling block to the times.”
"What Director Yang said is absolutely right. The current banking industry is always following a step-by-step routine and is lifeless. There must be some external pressure to wake them up.
I will hold a board meeting when I get back, and Director Yang will take the lead on this matter. " Ma Fengyun slapped his thigh and looked very excited. It seemed that Yang Dongxu's words tickled his itch and made him feel like he had met his soulmate.
At this time, Ma Fengyun was not the richest man, and the name of Hangzhou Ma was not loud enough. Therefore, he is not as bold as he was in his previous life, and directly shouted out the iconic speech of "If the bank does not change, we will change the bank."
"I'll forget it. I already have Alipay and I don't want to get involved in other things. If you want to, form your own team. If you let Alibaba do this, I, the shareholder, will vote in favor.
If you set up your own company to make Huabei, and then cooperate with Alibaba, I will raise my hand and agree. "Looking at the excited Ma Fengyun, Yang Dongxu said calmly.
"This..." The expression on the excited Ma Fengyun's face suddenly became a little stuck.
"Do you know Huaxia Telecom?" Seeing Ma Fengyun's appearance, Yang Xu asked a question that had nothing to do with the topic at this time.
"I know, a model in the communications field. If it weren't for the preference of state-owned enterprises above, it would definitely be the largest communications company in China." Ma Fengyun nodded.
"Huaxia Telecom is mine. I have been a catfish in the communications field. In fact, it is not just in the communications field, including Hurricane Architecture, Honor Mobile, China BMW and so on.
I have done catfishing in many fields, so I will not get involved in affecting the banking industry. You know my character well after knowing me for so long. I am too lazy to touch finance if it is not necessary. "
"I want to touch it!" Ma Fengyun couldn't help shouting in his heart. At the same time, he couldn't help feeling that it was a pity that Yang Dongxu was squandering everything. It was a shameful waste to have such good resources and not touch finance.
If he had Yang Dongxu's status and resources, he would want to drastically reform not only the bank, but also the development of the country's economic environment!
It's a pity that he is not Yang Dongxu, and he doesn't dare to shout out his inner thoughts like this.
So I could only look shocked and surprised, and looked at Yang Dongxu with admiration, "China Telecom and China BMW, two star-level private enterprises, are actually the companies of Director Yang. It is Director Yang who is really a role model for our generation." .”
