Ant Financial demonstrates three forces to promote cashless society construction

　　Today, Internet platforms with massive users are all paying attention to open strategies. In the most popular shared bicycle field, Mobike and ofo small yellow cars have released their own open strategies, and in the mobile payment field, the most open ones are definitely Alipay and WeChat. Today, Alipay has a variety of functions, and registration, parking fees, water and fuel payments are all convenient for our lives.

　　Zou Liang (nickname: Lu Cai), vice president of Ant Financial's Alipay Division, said at the opening day that Alipay's service providers now have more than 10,000, but the call of various capabilities is far from enough, and opening up has just begun.

　　Last month, there was news that Alipay's monthly active users rose by 40% in the first quarter of 2017, up nearly 100% from the same period in 2016. This is inseparable from the opening of Ant Financial. Lu Cai said that Ant Financial's characteristic is an open platform focusing on business and finance, and hopes to be able to achieve the ability of customers to acquire customers to marketing to cost control and make money. From customer acquisition to cost control, various fields can truly help our merchants, and can achieve the goal of saving money while making money while making money, forming a closed loop.

　　It is understood that Ant Financial's open platform currently has 8 major capabilities: payment ability, credit ability, marketing ability, security and guarantee ability, life account ability, financial management ability, mini program ability and other capabilities. Lu Cai introduced the payment ability in this way at the opening day. He said that at present, we no longer have only one payment ability on the payment side, from the integration of SDK packages to in-person payments, even VR, and even without a system, we use a simple collection code. From this we can see that in terms of payment ability to take root and live, Alipay has chosen a variety of ways to explore and is testing VR payment internally.

　　In terms of credit, Lucai means that everyone's credit is everyone's wealth. When everyone's wealth is used, there must be a suitable scenario. Today, Sesame Credit has a variety of application scenarios, from the most popular shared bicycle credit exemption to short-term rental, credit loan repayment, etc. In the future, Sesame Credit will be connected to more scenarios.

　　In terms of marketing, Lu Cai believes that Alipay is currently working to make user portraits more accurate, and hopes to work with partners to help merchants establish data mining capabilities.

　　In terms of security, Lu Cai admitted that for the past twelve years since Alipay was established, it has been fighting against hackers every day. As for financial capabilities, he said that Yu Libao can allow business owners and small business owners to make money in some free time when we pay wages, buy raw materials, and pay rent, water and electricity. It can also make money, so that he can have a unified arrangement for his own funds from receiving and spending.

　　Ant Financial hopes to help merchants and merchants through its open platform, and hopes to gather a group of service providers. We work hard to embrace the current cashless society, embrace the mobile Internet, embrace O2O, embrace Internet+, Alipay, and Ant Financial. We are willing to be the most basic connecter.

　　Through an open platform, Ant Financial gathers capable service providers, and finally forms a complete service system to serve small and medium-sized merchants, allowing users to enjoy more convenient payments and promote the early arrival of a cashless society.

　　During this open day event, Ant Financial announced that it will further open up Huabei installment capabilities to online and offline merchants. Wen Lan, general manager of Huabei Business Department, said, "After continuous risk control, technical inspection and experience accumulation, all aspects of Huabei installation opening have matured. The number of online and offline merchants served by Huabei installation has rapidly expanded to 2.4 million, and will cover about 4 million merchants in the future through cooperation with ISV."

　　Last month, Huabei and DT Finance released the "2017 Young People's Consumer Life Report", which shows that post-90s account for nearly half of the total number of Huabei users. At the same time, the younger the consumers, the higher the proportion of Huabei as the preferred payment method. We can think that Ant Financial's ability to open up Huabei installment is intended to capture the young consumer group.

　　Previously, Huabei installment adopted an invitation system based on the risk control model. Merchants were unable to apply on their own initiative. After receiving the invitation, they still needed to sign a contract with Huabei installment. Offline merchants such as Xiaomi Home, B&B, Zhou Shengsheng, and online malls such as Tmall Mall, Huawei, OPPO, vivo, and Meizu have increased sales through Huabei installment. At the open day, Ant Financial's 3C industry director Xijin chose to speak with data. She said that in the months when a certain brand merchant uses Huabei installment, the average customer unit price of users can increase by 41%.

　　It can be said that the opening of Huabei installment has expanded the coverage of merchants while also reducing the access process of merchants. In the future, Huabei Installment will also launch the Ant Financial Open Platform, which will open the interface for ISV (independent software developers) and other partners to call the interface independently on the basis of risk control and audit.

Thank you for your attention and support to Laogao Crown Club . Please indicate the source of the reprinting website www.shxuanming.net

 Click to register to apply to join the well-known e-commerce network - Laogao Crown Club. Any merchants from all over the country, Tmall merchants, Taobao Crown Stores, Jinguan Stores, and other e-commerce platform merchants can apply to join!