After the four branch presidents invited by Su Pan arrived, Shi Nan expressed his needs and built an online payment platform to prepare for the next step of Linggou.com.
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.
The four bank presidents were also a little surprised that Shinan wanted to build a payment platform for Linggou.com. Tan Zhong, the president of the branch of the Agricultural Bank of China, asked Shinan: "If Linggou.com does online payment, will there be any technical problems in the future? For example, user payment Yes, but your system doesn’t have any prompts or anything like that. If this causes a dispute, will it affect the bank’s complaint rate?”
Shi Nan said with a smile: "I need to open an online payment merchant in your branch, but for users, no matter which of the four major banks they are customers, as long as they use Lingfu Bao to transfer money, then in the information they see , that is, they transferred the bank money to Lingfubao, so they will think that the money is given to Lingfubao. As long as the bank clearly reminds the user that the fee has been deducted, if there is a problem with Lingfubao's feedback, , users will definitely contact us.”
Tanaka nodded and asked Heather: "What about the funds? How do the fees that users pay to Linggou.com through Lingfubao in our bank's online banking end up being settled?"
Shi Nan smiled and said: "All the funds are deposited in the accounts opened by Lingfu Bao in various branches. We will entrust this money to you and accept the supervision of the central bank."
Guan Qishang, President of ICBC, asked Shi Nan: "I don't know if my understanding is wrong. Is Lingfu Bao 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." When transferring money to Lingfubao, should it be transferred directly to the account opened by Lingfubao in the bank?"
Shinan smiled and said: "President Guan, you understand correctly. If I open an account at your branch, in the future, when all users of Linggou.com across the country pay through ICBC online banking, the money will be transferred to Linggou. Alipay is in the account opened at your branch.”
Saying that, Shi Nan added: "Linggou.com's daily turnover is several million. If it expands to all parts of the country, it may be hundreds of millions every day. By then, every money will be deposited in the bank account. It will take some time. At that time, when we promote Linggou.com nationwide, we will include the four major groups as cooperative support units."
When Shi Nanyi said that hundreds of millions of turnovers could be deposited in Lingfu Bao every day, 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. , hundreds of millions of funds are deposited every day, which is no small matter for any branch, not to mention, Heather wants to sell them a favor here and give the green light to Lingfu Bao. It is of course beneficial to them and not harmful at all.
However, Shinan did not say anything about the future development direction of Lingfubao. Shinan has always communicated with them through Linggou.com, making them think that Lingfubao is a derivative of Linggou.com, but as long as Lingfubao opens up the bank payment interface, , this payment channel will become the top priority for your future development in the Internet field. If you want to make money from the Internet, how can you do it without your own payment channel? 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.
Penguin Future is crazy about attracting hundreds of millions of Chinese people to grab red envelopes on WeChat in order to open up the situation for WeChat payment. To compete with a certain Alipay, without WeChat, Penguin in the mobile Internet era would definitely be extremely dangerous.
The four bank presidents didn't know what room for development there was in current Internet payments. They just thought that this was a tool that Shi Nan wanted to use to assist Linggou.com. But I couldn’t guess that Heather’s biggest goal was to turn it into a platform.
For the four bank presidents, the problem at hand is extremely simple. They must fully cooperate with Shi Nan. Not to mention the personal relationship with Su Pan, just the benefits of Linggou.com and the future of Linggou.com will be settled in Lingfu Bao. , that is, the cash flow in their bank accounts. It was already too much for them to refuse.
In fact, Shi Nan was absolutely sure that even without Su Pan's connections, he could still convince the people in the bank. But the most critical problem was that he didn't know anyone inside the bank. If he wanted to get in touch with a president-level person, it would be better. It was very difficult, but Su Pan was different. With just one phone call from him, the branch presidents of the four major banks would honor him and go to the appointment. This is the use of connections. Sometimes, there is only a layer of veil between the success and failure of something. Break it and everything will suddenly become clear.
The four bank presidents decided on the spot to open an online payment merchant for Lingfubao next week and sign a cooperation agreement with Lingfubao. With Su Pan's favor, Shinan believed that there was a lot of room for negotiation in the details of the contract.
For example, if there is no Su Pan, the bank may have a rigid requirement for the period when funds are deposited in the Lingfu Bao account. But with Su Pan, I believe this can eliminate the constraints of the bank.
In addition, regarding Lingfubao's future connection with other channels, Shi Nan has also worried before. If there are discerning people in the bank, Lingfubao's contract will restrict Lingfubao's freedom to adapt to the platform in the future, and then use this to When it comes to negotiating terms, things will become a little passive.
Shinan verbally reviewed the contract details with the four presidents. On the above two points, they all verbally promised to give Lingfu Bao absolute freedom without any restrictions.
This is enough.
Shinan 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, ensuring fairness.
Su Pan said to Shinan: "I happen to have nothing to do next week, so I will accompany you to sign the contract then."
Before Shinan could say anything, the four bank presidents around him were a little surprised. They didn't expect Su Pan to be so polite to Shinan. He just helped with the matchmaking, but even accompanied him to sign the contract.
However, Shi Nan really accepted Su Pan'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 a way to potentially win a contract for himself. The terms are loose and he has to accompany them to sign the contract together. Then these bank presidents will definitely not change the contract details without authorization. What we talked about today will be signed next week!
In the evening, Shinan entertained guests for dinner at a high-end hotel in Yanjing. On the one hand, he thanked Su Pan for his matchmaking, and on the other hand, he wanted to deepen the mutual impression with several bank presidents. It is inevitable that there will be many things for him to ask the bank for help in the future. .
Now that Shinan is carrying the banner of Linggou.com, the nature of asking for help has changed qualitatively. When the other party heard that it was related to Linggou.com, not only did he have an excellent attitude, but he was also full of sincerity.
At the dinner table, Shi Nan drank a few glasses of wine with the branch presidents of the four major banks. The atmosphere was different from the atmosphere in Su Pan's office in the afternoon. It's easy.
Shi Nan is in a good mood. At present, Lingfubao is taking shape unstoppably. After signing the contract next week, he can quickly start debugging and testing the interface between Lingfubao and the bank. After passing the test, he can Fully promoted to users of Linggou.com.
Leaving aside Linggou.com, Heather's layout on the Internet has just begun. Tieba has laid out the community and is preparing to launch classic products in the community field such as personal space and stolen food. Once these products become popular, Tieba users will not only It can reach a new level, and it can also use games to promote users to establish their own connections in Tieba. As long as the connections are established, they will have the basis to compete with Penguin for jobs. At that time, as long as they also develop an instant messaging software , will pose a great threat to penguins.
After Lingfu Bao is established, it can directly promote the progress of Linggou.com, but the biggest problem right now is insufficient manpower. Zhang Yiming will have more and more things going on in the future, and it is basically impossible for him to take care of so many things, but e-commerce platforms like Linggou.com. Once you get on the horse, you must go all out to expand your territory, otherwise you are likely to be chased and crushed by the rising stars. Therefore, what Shinan needs most right now is talents.
On Sunday, Shi Nan asked Zhang Yiming to arrange a management meeting before Lingfu Bao went online. At present, there are several key figures in Linggou.com, one is Zhang Yiming, one is Ren Xiumin, and another The financial director hired by Ren Xiumin.
In addition to the heads of these three departments, Shi Nan also asked Zhang Yiming to summon his three technical leaders. At present, Linggou.com has 27 technical staff, which are divided into three technical groups and are managed by Zhang Yiming.
At ten o'clock in the morning, Shi Nan came to the two networks. The core staff had been waiting in the conference room for a long time.
Since the three current technical project team leaders of Linggou.com are all veteran employees when Linggou.com was originally developed, they are very familiar with Heather.
The rest of the people are very grateful and fortunate to be able to enter Linggou.com and get 1 option from the beginning. After some people entered this company, they quickly realized that Linggou.com has huge development potential. The A-round valuation was 200 million, and the B-round valuation has not even been able to give a clear valuation by industry insiders because they saw Linggou.com. Gouwang is unique in its product concept. Who knows what other shocking products Heather will come up with before the B-round financing...
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