Internet 2010

In the afternoon, Dream Valley of Science and Technology Park. vertex

Not long after this afternoon's meeting was about to start, Fang Qiang received a call from Ye Qingchen, and what he said made Fang Qiang break out in a cold sweat.

He is very clear about everything in Menggu. It can be said that Luzhou's role in spiritual support is far greater than many aspects.

Needless to say, Old Wen was in the computer room for 58 out of 60 days.

And on Cheng Xuyuan's three screens, one of them has countless data jumps.

Even if Fang Qiang was on top of him, there were also many affairs. Wang Wenjun can be in charge of a lot of things, but when it comes to the technical level, whether it is a dream or an internal business, before the project is sent to Luzhou, it must be the hands of Jing Fangqiang.

Although there is another senior Lu Ming hidden behind the scenes, senior Lu Ming basically doesn't care about anything and only concentrates on the research direction assigned by Lu Zhou. Even he has never been in the company.

It can be said that they can lead the business in charge of the three lines, but let them sit in the position of Luzhou, Fang Qiang only feels that such a dream valley will only collapse.

I want to rush to the hospital to see the boss. But Ye Qingchen refused to let it go, and instead told Fang Qiang to do his work first, so that Lu Zhou would not worry too much.

When the lunch break ended and he received Ye Qingchen's call again, Fang Qiang's dangling heart was relieved.

As for work, that is still normal. It's just that when others asked, he also said that Lu Zhou was busy with other things.

This was still Ye Qingchen's order.

"This sister-in-law is also someone who can tell the difference."

......

At this time, Fang Qiang and Wang Wenjun were in the conference room.

At the head of the table is Fang Yuling, an executive of Menggu Payment, who is reporting the work of Menggu Payment to the two.

This Fang Yuling is a woman in her early 40s. She was an airborne person dug by Wang Wenjun through some personal connections after Lu Zhou made the decision to pay for the formation of Menggu earlier.

Nearly 15 years of working experience in the financial field, and has gone through management positions in banking, securities, investment banking and other industries. According to Wang Wenjun, the only problem is that he has never set foot in the Internet field.

Of course, according to the previous personnel situation of Menggu, there is really no one who can take this position. Lu Zhou also means that the money and options are sufficient, and the rest is up to the two ends.

Fang Yuling said, "Mr. Fang, Mr. Wang, and the flow loan ab have all been issued. At present, the amount paid is about 15 million. This part has been manually reconciled and remitted to the developer's account.

But next, whether it is Dream Valley Payment or Dream Valley Advertising, the settlement and settlement systems need to be redesigned.

While it's troublesome, the benefits are long-term. Therefore, I hope that the two of you will give me enough authority to adjust the work accordingly. "

Fang Qiang and Wang Wenjun both nodded, but also didn't say much, neither of them could make a decision on this matter.

Fang Qiang said, "Mr. Fang, how is the progress of this part of the system in Menggu Payment? After all, you also know that Menggu advertising is currently in the commercial stage, and rash changes can easily lead to risks."

Fang Yuling nodded, she also knew that this matter involved too much, and the two in front of her were undecided.

"The second thing, combined with the current business situation of Menggu, I designed the second set of loan products for Menggu Payment. According to Mr. Lu, this product needs to wait for the completion of the payment system before going online.

Having said that, user screening, data analysis and some functional systems can be carried out in advance. "

Fang Qiang, "Please speak."

Fang Yuling said, "In the banana market, Mr. Fang has planned to launch a 'million cash' campaign before. At the same time, this part of the wallet entrance and the simple shopping mall are still reserved in the banana."

"Yes. But at present, the usage rate of this function is very low, and there are usually no promotion activities, and users basically do not use it." Fang Qiang added.

Fang Yuling hummed, and then switched to a simplified diagram of the business process by operating the notebook.

"Next, I will explain to the two of you the blueprint that Mr. Lu paid for Menggu last night.

The first is the payment system, which will mainly be paid within WeChat, while other related peripheral businesses, such as Banana, Mengguyun, Chuangmeng and other payment-related businesses, will be settled through WeChat payment.

Simply put, if users of all existing businesses need to pay within the Dream Valley system, they must have a WeChat account.

The second is the student loan, the second loan product after the flow loan.

This is a new product I designed with reference to the existing online loan forms and the current situation of Dream Valley.

It does not issue loans in the form of cash, and users need to go through the mall in Dream Valley to complete the corresponding shopping, and the initial mall involves mainly mobile phones and other 3C digital products.

Therefore, combined with one or two points, Mr. Fang provides some help for Menggu Payment.

One is the data source, which includes Wechat data in addition to Menggu advertisements. The other is the renovation of the original mall.

As for the rest, it will be settled by Menggu Payment. "

"There is no problem with Menggu advertising. I need to communicate with President Cheng on WeChat. The final plan still needs to be finalized by President Lu." Fang Qiang said.

Fang Yuling went on to say, "The third one is that Mr. Lu has added another possibility on the basis of mine. Dream Valley Payment will be a deposit business. Or in a strict sense, it is a form of fund.

After the promotion of this business, the original traffic loan and student loan will no longer limit the user group, but will be fully available to all WeChat users.

The funds collected through the deposit business will be used to issue loans according to a certain proportion. "

Wang Wenjun was stunned after hearing this, "Bank... OK?"

It's crazy that an Internet company is trying to meddle in the business of this thousand-year-old bank!

Fang Yuling smiled slightly, "Yes, this is a bank in a certain sense. Of course, it may have some unnecessary troubles under the existing circumstances~www.wuxiaspot.com~, but it can always be solved. Such a model, there are May trigger volatility in the entire banking industry.

After I understood Mr. Lu's meaning, I realized that maybe the banking industry in the future must also understand the Internet in order to do better. "

After listening to Wang Wenjun for a long time, he said, "Based on user data, establish a model, automatic credit, automatic credit, automatic risk control..."

Fang Yuling said, "According to Mr. Lu's description, this banking business is also a traffic business. Of course, I think the last part will take a long time.

For us, the most practical thing is to get through all the links first. After all, the flow loan is just a water test project, and it is still very immature. "

Fang Qiang nodded, this is really troublesome.

Not to mention Menggu’s own advertisements and WeChat, just the developer’s data, which is just over ten thousand people, has already made Mengguyun feel the pressure.

And next, when is it no longer limited to developers or the next student group? Then it faces millions of people, even hundreds of millions of people.

An incomparably large system, it is not an exaggeration to even call it a "brain"!

"To tell you the truth, frankly, after the completion of the flow loan design, I was very disappointed with the performance of Menggu Payment, and even wanted to resign early. But Mr. Lu's idea last night moved me.

I think we can make a great product. "

And Fang Qiang grew up under the influence of Lu Zhou for a long time. After he understood Fang Yuling's words, he was thinking about a question in his mind, who should the data belong to? And how should ** be defined?