Rebirth in a Perfect Era Chapter 233: Four Big Bank first contact

Remember [lnmao.org] in one second, update fast, no pop-up window, free to read!

After the four branches bank president invited by Xu Jiaming arrived, Li Mu only expressed his needs and built an online payment platform to prepare for the next step of 3321 out of Yanjing.

Internet banking is a concept that has been launched in China as early as the mid to late 1990s. When major banks completed the first online transfer at that time, TV Station News also specifically reported that it means domestic banks The service keeps up with the trend of the world and enters the era of internet.

But in the past few years, the development of online banking in China can almost be described as stagnant. Except for the very few people who will use and dare to use online transfers, most of them are very interested in online banking. strange.

Li Mu is going to be a payment platform for 3321, and the four bank presidents are also a bit surprised. bank president Zhai Yuan of Agricultural Bank District branch asked Li Mu: "Will there be technical problems in the future for 3321 ?? For example, users pay, but your system does not have a reminder or the like, if this causes a dispute, will it affect the bank ’s complaint rate? "

Li Mu said with a laugh said: "I need to open online payment merchants at your branches, but for users, no matter they are Four Big Bank bank customers, as long as he uses Alipay to transfer money, then the information they see is they The bank's money was transferred to Alipay, so they would think that the money was given to Alipay. As long as the bank clearly reminds the user that the fee has been deducted, if there is a problem with the feedback of Alipay, the user will definitely contact us. "

Zhai Yuan nodded and asked Li Mu: "What about the funds? The user paid 3321 through Alipay in our bank's online banking, how did it settle in the end?"

Li Mu laughed: "All the funds are deposited in the accounts opened by Alipay in your branches. We will entrust the money to you for custody and accept the supervision of the central bank."

ICBC (Industrial and Commercial Bank of China) bank president Hu Qiyun asked Li Mu: "I do n’t know if my understanding is wrong. Is it Alipay is planning to open an account in all four of our banks and entrust us to escrow. In addition, when users use Four Big Bank ’s online banking to transfer money to Alipay , Is it directly transferred to the account opened by Alipay in the bank? "

Li Mu said with a laugh said: "Hu bank president, you understand right, if I open an account in your branch, then in the future, all 3321 users in the country will pay the Alipay when you pay through ICBC Internet Banking. In an account opened by a branch. "

Speaking, Li Mu adds another sentence: "The current running water of 3321 has several million every week. If it expands to other cities in the future, it will be possible to run tens of millions of running water every week. There will be a period of time in the bank account, and we will list Four Big Bank as a cooperation support unit when it is promoted nationwide at 3321. "

Li Mu said that tens of millions of running water might settle in Alipay every week, and the four branches bank president were a little surprised. The bank ’s task of storing and storing although does not require them to perform it in person, but it is ultimately counted in their work performance. Among them, the weekly capital accumulation of tens of millions is not a trivial matter for any branch, not to mention, Li Mu also wants to sell a smooth favor to them here and give Alipay a green light, which is naturally beneficial to them. .

However, Li Mu did not say the future direction of Alipay. Li Mu has always communicated with them at 3321, making them think that Alipay is a derivative of 3321, but as long as Alipay has opened the bank payment interface, this payment channel will become How do I play the most important role in the future development of internet and want to make money from internet without my own payment channel? Using another person's third-party payment channel is equivalent to putting the switch of the aorta in the hands of others, who can strangle the artery at any time.

Tencent will attract hundreds of millions of Chinese people to grab red envelopes on WeChat in the future, in order to open up the situation for WeChat payment, so as to compete with Alipay. If there is no WeChat, the Tencent in the era of mobile internet will definitely be extremely dangerous.

The four bank president do n’t know what the development of the current internet payment is. They just think that this is a tool that Li Mu will use to assist 3321, but they ca n’t guess that Li Mu ’s biggest goal is actually to turn it into a platform. .

For the four bank presidents at the moment, the problem at hand is extremely simple. It must be fully cooperating with Li Mu. Let ’s not talk about the relationship of Xu Jiaming, let alone the public benefit of 3321, and the future of 3321 will be deposited in Alipay. The cash flow in the bank account has made them unable to refuse.

Actually, Li Mu has absolute certainty. Even if there is no Xu Jiaming relationship, people in the bank can be persuaded, but the most important problem is that they do n’t know the people inside the bank and want to reach a bank president level person. It's still very difficult, but Xu Jiaming is different. With a phone call, Four Big Bank's District branch bank president will appreciate the face and go to the appointment. This is the usefulness of the network. Sometimes, there is only a layer of yarn between the success and failure of things. suddenly see the light.

Four bank presidents were on the spot, and next week we will open online payment merchants for Alipay and sign a cooperation agreement with Alipay. There is a relationship of Xu Jiaming. Li Mu believes that there are many room for negotiation of the details of the contract.

For example, in the period when the funds are deposited in the Alipay account, if there is no Xu Jiaming, the bank may have a hard requirement, but if there is Xu Jiaming, this is believed to be able to relieve the bank's constraints.

Also, Alipay will be connected with other channels in the future. Li Mu has also worried before. If there are discerning people in the bank, the freedom of the Alipay future adaptation platform will be restricted in the Alipay contract, and then the conditions will be discussed. , Things will become a little passive.

Li Mu verbally touched the contract details with the four bank presidents. For the above two points, they promised verbal language without restriction, giving Alipay absolute freedom.

This is enough.

Li Mu was relieved and negotiated a contract signing time with four of them. From Monday to Tuesday, they signed two contracts every day. The contract details of the four banks were the same, ensuring fairness.

Xu Jiaming said to Li Mu: “I ’ll be fine next week. Is n’t your car crashing? I ’ll drive and sign with you to sign you up as a driver.”

Li Mu hasn't spoken yet. The four bank presidents around him are a little surprised. didn't expect Xu Jiaming is so polite to Li Mu, just help matchmaking, and even accompany to sign the contract.

However, Li Mu really got the Xu Jiaming feeling this time. He said this, on the one hand, he wanted to make these four bank president aware of his "friendship" with him, on the other hand, it was also a potential fight for himself The looseness of the contract terms, he will accompany the signing of the contract, then these bank presidents will definitely not change the details of the contract without permission. How to talk today, how can I sign next week! (To be continued.)