On the field, everyone was whispering.
Mobile payment?
Cashless era?
Smart province?
Since when could Jiangbei be crowned with such a title?
There were more than 30 provinces in China. Although Jiangbei was not the last, it was still in the middle and lower reaches.
Now, Li Dong was going to give Jiangbei the title of smart province. Was this something a simple mobile phone app could achieve?
Everyone was doubtful. Many people did not even know what mobile phone payments were.
This was not a joke. It was real.
Although everyone was a leader in the business world, some traditional entrepreneurs did not care about this. They even thought it was nonsense.
Financial transactions could be settled through mobile phones?
If that was the case, what was the use of banks and cash?
If it was like what Li Dong said, it meant that the central bank could close down. Or even if the central bank did not close down, the banknote printing factories would have to close down.
Could a mobile phone app really do this?
Seeing everyone was whispering, Li Dong smiled. "Now, everyone thinks that what I said is empty talk. You are not too assured, or you do not understand the process and functions of mobile phone payments.
It's okay. Not long ago, OPPO sent me a batch of new phones to try out.
How about this? I will organize a trip to Far away and let everyone experience it for themselves.
When that time comes, you will clearly feel that mobile phone payments are much simpler and more convenient than now.
There will be no change, no need to worry about money being stolen from your wallet, no need to worry about having too much cash in your bag.
You don't even need to worry about the slow checkout and customers queuing up to give up on the transaction.
This is just the initial function. In the future, we will gradually perfect the entire system.
One day, you don't even need to bring your ID card to prove that you are you.
Also, we will establish a credit system. We will cooperate with banks, the government, and government agencies!
When that time comes, everyone will take loans to start a business, buy a house, or use an emergency loan …
All these do not need to go through the cumbersome review process. As long as you have the credit system of Far away Far away, we will take all the responsibility for you!
If the bank does not approve it, we will approve it!
Or, we will take the initiative to be your guarantor. Especially for corporate users, with high transaction volume and good credit, all problems will not be a problem!
The bank lent money in one month, three months …
We can pay you in advance, a day, or even an hour. This is not a problem at all! "
The first part of the sentence was fine, but the latter part shocked everyone.
Loan business!
Li Dong's payment business had taken over a part of the bank's business. If he also took over the loan business, then what's the point of the bank's existence?
Far away would be like a new bank if they added savings services!
Moreover, it was simpler, more intelligent, and more user-friendly than modern banks.
Could Li Dong really do this?
The establishment of a credit system was actually the embryonic form of a bank. Now, the banks that could establish this system were actually not perfect.
After all, not everyone would have a lot of business with the bank and a lot of transactions.
The bank needs to review all kinds of materials and all kinds of risks.
However, the Wan Tao card was different. According to Li Dong, you could use the Wan Tao card to go out and take a bus. You could also use the Wan Tao card to eat fried dough sticks.
Your life trajectory, your spending habits, and your personal financial problems could almost be fed back to Faraway Group through the Wan Tao card.
In this way, the establishment of your credit system was very simple and comprehensive. It was more comprehensive than the bank's review.
Of course, all of this needed the support of big data.
Without big data, this kind of complex data analysis, this kind of frequent capital transactions would not be so safe.
But at this moment, Li Dong did not need to talk to everyone about big data.
Among the people present, not many were in the Internet. They would not understand even if he said it.
What Li Dong needed them to know, he just needed to tell them in the most concise language.
As for whether it could be done and how to do it, that was Li Dong's business. Consumers only needed to care about consumers. This was Li Dong's idea.
Big data, cloud computing, these were still high-end terms at the moment. Other than being pretentious, people did not have a clear concept.
Instead of saying it, it was better not to say it.
When Li Dong's voice fell, someone could not help but ask, "General Manager Li, can the Far away mobile payment service really do all this?"
Li Dong said seriously, "Absolutely!"
"Then …"
The person who asked the question hesitated. After a while, he said, "What about the bank?"
Li Dong said confidently, "There is no problem. This is the general trend. The bank will only follow me to change, but it will not change me!"
Someone who was knowledgeable asked, "General Manager Li, I have actually used your Wan Tao card mobile payment, but I think it is still too complicated. How different is the new system you mentioned from the past? "
Li Dong smiled and said, "In the past, you may need to spend one or three minutes to complete a transaction.
Wait for our new payment method and new functions to go online.
All you need to do is turn on the phone, click on the software, scan the code, enter the amount, and everything is OK!
For those with fast hands, it will be done in three to five seconds. For those with slow hands, 10 to 20 seconds should be enough.
"Everyone is in the business. Have you ever worried that your employees will fill their own pockets, especially in some retail businesses? Every transaction is a big problem every time the accounts are audited.
"But once you use the mobile payment service and carry out transactions online, all your worries can be eliminated.
"If you all use the mobile payment service and eliminate cash transactions, the money will be automatically sent to your business account without going through any third party.
"Of course, there is still some difficulty now. After all, the older generation of consumers are more used to using cash. This is something I cannot change.
"But with the progress of the times, the new generation will grow stronger, and this will definitely be achieved in the future.
"Also, this efficiency will allow you to save a lot of labor costs and increase your business share. I am confident about this.
"The same two stores have the same internal and external conditions.
"One used our mobile payment service, and the other did not. I can tell you very clearly that your business volume will be at least 10% lower!
"Originally, your daily turnover may only be 10,000, but with the Wan Tao card, it is not impossible to reach 10,000.
"After all, it is painful to spend cash on hand, but on mobile phones …"
Li Dong paused and said with a smile, "Everyone will think that it is just a number, and it is not a big deal.
"It is troublesome to go to the bank to withdraw money. In order to save trouble and money, things that are originally bought for 500 yuan may only be bought for 300 yuan.
"And with the Wan Tao card, things that are originally bought for 500 yuan may be bought for 1,000 yuan.
"You will soon experience this difference.
"If anyone doesn't believe me, you can do a long-term investigation with us. The final result may be beyond your expectations.
"The reason why the online shopping market is growing is actually related to this point.
"Cashless transactions will make consumers more willing to go all out.
"Of course, don't spread this to others, lest others say that I, Li Dong, am harming the working masses."
Everyone could not help but laugh, and the balance in their hearts gradually tilted.
Then, someone said, "General Manager Li, is this kind of promotion troublesome?"
Li Dong said with a smile, "There is no difficulty or trouble at all. I said to scan the QR code, but you may not understand.
"It's alright. You will understand later.
"Just post a few pictures in your shopping malls. In addition, I will open some corporate accounts for you and give you some QR code scanning equipment for free. Anything can be done within a day.
"Finally, if you are worried about the funds, you can withdraw cash from the account at any time.
"Note that it is at any time. As long as the bank is open, you can withdraw the money. If you are short of money, come and find me, Li Dong!
"Today, in front of so many people, if I, Li Dong, dare to not acknowledge this debt, you can just bring your men and smash it Far away!
"Of course, words are just words. We will have an electronic agreement.
"You can take a look. As long as it is our problem, we will compensate you in full. There is no need to pay any other fees!
"As I said before, if you dare to use it, I dare to compensate!
"Actually, there is such a business now. It is just that everyone might not have paid much attention to it, or perhaps there are not many online shopping. Otherwise, you shouldn't have such worries."
When these words were said, many people felt a lot more at ease.
Someone continued, "Our promotion is actually not a big problem, but how the consumers accept it is the key …"
Li Dong said with a smile, "Everyone, who are we?
We are the ones who are leading the industry!
We say that mobile payment services are good. We say that payment services are more convenient. We accept payment services …
Then how will the consumers choose?
Of course, the necessary promotion will not be lacking!
We have already signed a contract with Central TV. The primetime advertisements will start in 2009 and will be promoted for an entire year!
In addition, we will vigorously promote all the major television platforms, outdoor platforms, and all kinds of activities.
When the time comes, what you should worry about is when the consumers come to you to scan the QR code. Where is your QR code?
Jiangbei is destined to become a benchmark in the cashless era!
And everyone here will be the trendsetter of this era. Together with me, Li Dong, we will start a new era! "
"Motherf * cker …"
In the crowd, Hsu Shengzhe cursed under his breath. You can say whatever you want, but you always have to give us chicken soup for the soul at the end.
We are not your employees. What's the point of brainwashing us?
With this thought in mind, Hsu Shengzhe turned around and was taken aback!
Damn!
Many of these old men were still excited and had an expression of 'I will follow you to conquer the world!'
Hsu Shengzhe did not know whether to laugh or cry. Actually, he knew that what made everyone excited was not Li Dong's last sentence.
Li Dong had mentioned the establishment of a credit system, Far away guaranteed loans, advance payment, increase in consumer spending, funds not going through a third party, reducing labor costs …
These were the reasons why everyone was excited!
There was no need for Li Dong to do everything. As long as he could complete a part of it, it would be beneficial for everyone.
The rest might not know about these things, but Hsu Shengzhe knew more than the rest. Although he was on good terms with Li Dong, he still asked. "I have a question. How are the fees settled? I know that the current mobile payment service requires a two-way fee. The consumers need to pay, and the merchants also need to pay. Also, cash withdrawal also needs to be paid, and there is a limit! According to your rates, if a consumer buys a house and pays with a Universal Swipe Card, if it's a million yuan, there will be a two-way fee. Wouldn't that mean a 10,000 yuan handling fee?! "
When this was said, many people were jolted awake and hurriedly looked at Li Dong.
Li Dong rolled his eyes. This Xu guy really knew how to cause trouble!
However, this was also a problem that had to be resolved. Li Dong smiled and said, "Old Xu is right. According to the current market, that is indeed the case.
But everyone, don't worry. We have already negotiated with the major banks.
Consumers will no longer be charged any more fees.
Be it consumption or cash withdrawal, they will not have to spend a single cent more. Of course, the amount of cash withdrawal is still limited. The current daily limit is 20,000 yuan.
In the future, we will gradually increase this limit according to the credit system and the cooperation with the banks. It will not affect consumers at all.
As for the merchants, since we dare to do it, we have the confidence to do it.
The merchant account is a special account, and there are no restrictions on cash withdrawal. You don't have to worry about this.
The handling fee is unavoidable, but it is not high. Now, the central bank's standard is bank card swipe. The rates for each industry are different. The high is more than one point, and the low is 0.38%.
Some large transactions have a capped handling fee.
The Universal Swipe Card does not have that many restrictions, and there are not that many distinctions. Retail, including food and beverage, is unified at 0.5%.
Everyone might say, if that's the case, why do we still bother doing this?
Actually, 0.5% is not high at all, and I can promise now that Far away, there will be some handling fee subsidies. In the end, the handling fee you pay will not exceed 0.3%.
Since there are fees, of course we won't do nothing.
Our Universal Swipe Card is used nationwide. All merchants who use corporate accounts will be promoted on the Universal Swipe Card. When foreign consumers, including local consumers, use the Universal Swipe Card, they will see your company. This is considered free advertising access.
Of course, if you really do not want to bear this fee, you can use your personal account. That way, you will be no different from a consumer.
There is no handling fee, but there will be restrictions on cash withdrawal transactions and the like.
As for me, I actually hope not to charge any fees, but there are some things that I still have to consider the banks, the government, and the regulatory authorities.
If such a large transaction is not regulated properly, it will easily become a way for some people to launder money, and there is no cost involved.
Please understand. At the very least, it is much more convenient, cheaper, and faster than using bank cards. "
Actually, everyone could understand this point. If they really did not charge any fees, it would be difficult for Distance to continue operating.
As long as they could achieve their goal, the business would be good, and everyone could accept the 0.3% fee.
Everyone could even accept the high fee for using bank cards, not to mention this.
Li Dong briefly explained, and everyone did not say anything else.
Hsu Shengzhe winked at Li Dong, clearly asking for credit.
Li Dong cursed inwardly. You still dare to ask for credit? If it wasn't for you, I wouldn't have wasted so much effort.
After letting everyone witness the convenience of mobile payments, it will be easier for me to accept it.
Li Dong could not be bothered with him. Seeing that everyone was accepting the message, he smiled and said, "In short, words are useless. This month, we will test it in some stores and malls in Jiangbei. I will send a message to everyone later, and those who are interested can come and take a look. Or, you can directly come to our Faraway Group. We will welcome you at any time and let you experience it personally. Or, if any company wants to try it, we can arrange for you to test the effect in advance. Of course, because it has not been promoted yet, and the mobile version has not been officially released, the influence is limited. Don't think that the effect of the trial period is the effect in the future. "
Everyone nodded, and Li Dong also put down the microphone and was slightly relieved.
At this time, the focus of the banquet had completely shifted to Li Dong.
Almost everyone was talking about Wan Tong, Far away, and Li Dong …
Li Dong smiled apologetically at Hu Xiaorui and said embarrassedly, "I seem to have messed up the birthday banquet."
Hu Xiaorui didn't mind it and smiled, "It's fine. In fact, even if they don't talk about this, they will talk about something else. As for me, I only want your blessings for my birthday. "
Her words made Shen Qian feel disgusted.
Unable to hold it in, Shen Qian said with a faint smile, "So, even Director Hu and the rest are dispensable?"
Hu Xiaorui snorted, "My parents are with me, and it's my birthday every day. It doesn't matter if it's one day less. So, I will only invite Li Dong for my birthday in the future! "
Shen Qian was speechless. After a long time, she sighed, "Forget it. It's fine as long as you are happy. But there are some things that you have to think about. It's your birthday today, and I don't want to fight with you. "
"Thank you. If you don't mind, why don't you let Li Dong watch the moon with me tonight?" Hu Xiaorui took advantage of the situation and said with anticipation.
Shen Qian's face darkened, and she stared at Li Dong without saying a word.
Li Dong raised his head and looked at the sky. After a long time, he said, "There's no moon tonight, and it might rain. We have to go back early."
Hu Xiaorui snorted and pouted, "You can't escape! I don't believe that Chen Bingshan can keep an eye on you 24 hours a day. As long as she's not around, you definitely can't escape from my clutches! "
At the same time, Hu Xiaorui clenched her tender white hands, with an expression that said 'you can't escape'.
The corner of Li Dong's mouth twitched. He looked down at his watch and laughed, "It's getting late. I still have a lot of things to do these few days. Xiaorui, I'll go back first."
Hu Xiaorui nodded, and then said, "I might go to your company to discuss some business in the next few days. I'll go when you're here."
Li Dong shrugged at Shen Qian. It's really not my fault. I'm so handsome, and I didn't want to do this.
Look at me, I've made it so clear, but the little girl still won't let me go. I'm also very innocent!
Shen Qian rolled her eyes at him and couldn't be bothered to pay attention to him.
She didn't communicate with Hu Xiaorui anymore. Things had come to this point, and the little girl still refused to give up. Shen Qian couldn't do anything about it. How could she restrict her freedom?
As for Li Dong, Shen Qian glanced at Li Dong from the corner of her eyes. It was better not to let this guy be too complacent.
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