MTL - Rebirth Starts at 7 Million-Chapter 227 Xingyuan mobile payment

The first update of Clash of Clans was a great success, and the stream has caught up with the daily headlines. Luo Fan is very satisfied with this.

But soon a new problem appeared. At this stage, the recharge channel of Clash of Clans mainly relies on the method of directly using the bank card to receive the SMS verification code to recharge.

This kind of recharge is very limited, and many users are "blocked" when they want to recharge.

According to Xu Jiale's statistics, about 30% of recharges are cancelled due to inconvenient recharge methods.

Ali has noticed Xingyuan's predicament some time ago, and they took the initiative to extend an olive branch, wanting to cooperate with Xingyuan and make Alipay one of Xingyuan's payment methods.

Luo Fan refused without thinking, because Xingyuan also had the idea of ​​making mobile payment, and now let Alipay enter, isn't it troublesome for himself?

However, Luo Fan has not figured out how to do his own mobile payment.

It is a penguin in the pre-school period, giving full play to his social advantages, combining mobile games with wx and QQ to promote mobile payment.

Or learn Alipay to make a payment software alone.

If it is the former, the market share of Starlink's mobile social network is about 40%, and the share of white-collar workers is 85%. Directly insert the mobile payment tool of Starlink in Star Chat and it can be implemented immediately.

Luo Fan has memories from the future. Of course, he knows that mobile payment will definitely become the mainstream of society, and the basic disk of Star Chat is enough.

But the reason why Luo Fan has never made up his mind is that this thing involves the financial industry.

Before, Daily Toutiao had not established a firm foothold, and the connotation jokes had not been established. The risk factor of finance is too great. A careless accident is prone to accidents, which will have an impact on Daily Toutiao.

Although the payment income is indeed good, the risks associated with it are also extremely high. Luo Fan does not want to cause any accidents in the layout of the daily headlines due to mobile payment, then the gains outweigh the losses.

And according to the timeline of the previous life, there is still about a year before Penguin can fully utilize its advantages in the social field and use wx to deploy the payment market.

The corresponding two-dimensional code technology is not mature, because although wx is already doing mobile payment, it has not started to publicize it.

At this juncture, Xingyuan's entry should be just right.

Since the central bank issued the first batch of payment licenses in May last year, there have been more than 60 domestic companies with payment licenses.

Except for Alipay and Penguin's Tenpay, there are few that can really grow by themselves.

But despite this, there are still many people watching the mobile payment market. Last month, another domestic e-commerce platform, Moudong, obtained a payment license through acquisition, so as to prepare to build its own payment channel.

The specific cost of the payment has not been announced to the outside world. The industry speculates that it cost about 200 million yuan to acquire the payment license.

There is not only one payment license, it can be subdivided into Internet payment, mobile payment, bank card acquiring, fund payment, pre-sale card issuance and acceptance, cross-border foreign exchange payment, etc.

According to the scope of availability, there are three types: provincial, national and cross-border.

Among them, the three payment licenses of mobile payment, Internet payment and bank card acquiring are the most popular.

For the vast majority of companies, the three licenses mentioned above are what they most want to have.

A certain East is no exception, they acquired these three licenses.

In fact, certain Dong should be making money by entering the market now. Luo Fan remembers that the large-scale acquisition of payment licenses in the past life was mainly concentrated in the two years of 2015 and 2016.

At that time, mobile payment was fully popularized, and some big Internet companies wanted to enter the mobile payment market under the stimulation of Alipay and Penguin Tenpay.

However, during this period, the country directly stopped the issuance of payment licenses because of various messy and irregular loans, especially online loans, which affected the healthy growth of young people.

As a result, the price of existing paid licenses has gone up.

Fortunately, these have nothing to do with Xingyuan, Xingyuan already has its own payment license, and the next step is to add the mobile payment function on Xingchao.

Thinking of this, Luo Fan no longer hesitated, and immediately asked Su Qing to notify the company's top management for a meeting.

A moment later, in the conference room, Xingyuan's executives gathered.

Luo Fan told the executives of Xingyuan that he wanted to launch mobile payment. He let the executives speak freely and wanted to hear their opinions.

"I agree, boss, we should have launched our own mobile payment." Xu Jiale was the first to agree.

Wang Jingwen said with a frown and said, "Boss, I don't think mobile payment should be in a hurry. Now Alipay has monopolized more than 60% of the market. I don't think it's appropriate for us to enter the market at this time."

"What's wrong? We now have a number of popular games, and the user base is relatively large. At this time, we can enter the game through the game payment route first, which can not only solve the problem of inconvenient game recharge, but also promote our game. Mobile payment, why not do it?" Cao Shuai retorted.

After listening to Cao Shuai's words, Zhou Yuqing asked: "I think Mr. Cao's idea is good, but I have a question, what is the carrier of our mobile payment? Is it the daily headline? Or is it a connotation joke?"

"Neither. Compared with these two, Xingchao is obviously more suitable." Cao Shuai replied.

"Star Chat?"

"Yes, there are so many softwares in our company now, and the most active daily is definitely Star Chat, and Star Chat itself has social attributes. We can adopt the same strategy as Penguin's wx, and bind mobile games and Star Chat, Then we have a 10% discount on the games under Xingyuan by using Xingchao to recharge, and our mobile payment will be promoted!" Cao Shuai explained.

"I agree. Everyone should know how good the results of Clash of Clans have been recently. The turnover is so high despite the inconvenience of recharging. It shows that users' willingness to recharge is very strong." Xu Jiale said.

"Mr. Xu is right. Our logistics department cooperated with the game department to conduct a survey before. Most of the current user recharge methods are concentrated in online banking, bank card fast payment, mobile phone bills and Alipay. and online banking.

This shows that Alipay's momentum is strong, but for the vast majority of application platforms, its share is very average. Most of Alipay's market share comes from Taobao, it is not so unshakable, we have a chance. " Qin Beibei said.

"But now wx is also preparing to do mobile payment." Wang Jing said.

Everyone was silent when they heard the words. The recent layout of wx was well known by Sima Zhao, and everyone could see what they wanted to do next.

Today's wx, as Star Chat's biggest rival in the social field of strangers, has 300 million users and nearly 100 million daily active users. The variety of its industries is so complicated that there is no reason not to pay.

In particular, Penguin has its own payment platform, and there is almost no threshold for entering the payment industry.

"They do what they do, we do what we do without affecting each other. The size of Xingchao is not much worse than that of wx, and the people who use our Xingchao are white-collar office workers. The economic strength is there, and we are playing games in the early stage. Pay, and you won't face the penguins.

Our initial development route is similar to Alipay's initial development route. We first entered the market with the industry we started from, stabilized this part of the market, and then made plans outward. "Cao Shuai said.

"Mr. Cao is right. Besides, Penguin has a lot of business, and we have a lot of business! Aside from many games and other businesses, Xiaopo Station's hand-held peripheral transactions can also be connected to our mobile payment." Gao Meng said.

"Mr. Wang, you are actually thinking too much. As long as our basic market is stabilized, then we will have a certain right to speak in the market, and we will gradually expand our share based on the basic market.

Even if the payment is the worst, we can only stick to one place, and our industries can form a self-sufficient circle. At most, the share is only a small proportion. "Cao Shuai said to Wang Jing.

After listening to everyone's words, Wang Jing pondered for a while and no longer objected, he reserved his opinion.

Most of the company executives agreed to embed mobile payments on Star Chat.

Seeing this, Luo Fan didn't say anything on the surface, but he was still very satisfied with everyone's performance.

To be honest, Xingyuan has been able to develop so far, and a large part of the reason is that Luo Fan used what he saw and heard in his previous life to guide him.

But the payment field is completely unfamiliar to Luo Fan, and he hardly knows anything about it, so this time Luo Fan left Xingyuan's executives to decide whether to make payment or not.

On the one hand, Luo Fan really didn't understand mobile payment, and on the other hand, Luo Fan discovered that because he triggered some butterfly effects, some things were different from the previous life.

He can no longer rely solely on what he has seen and heard in his previous life to judge, and needs people around him to give some opinions.

This idea of ​​Luo Fan actually appeared after "Temple Run" became popular.

In the previous life, both "Fruit Ninja" and "Temple Run" were made by foreign game manufacturers. The popularity of these two games did not have much impact on the domestic market.

The domestic mobile game market basically belonged to the wild period before 2013.

On the one hand, it is related to the popularity of smartphones in the domestic market, and the number of users has limited the development of most industries.

Second, there is indeed no game product that is beautifully made and plays ingeniously.

It was not until "Temple Run" was introduced into the country, and Penguin then imitated and produced "Cool Running", which led to the prosperity of domestic mobile games in one fell swoop.

There have been many popular games such as "Time and Space Hunter" and "My Name is MT".

But what about now?

Xingyuan's "Fruit Ninja" and "Temple Run" are also popular all over the world.

But they were two years earlier and had a huge impact on the domestic mobile game market.

Then Xingyuan swept the major lists at home and abroad with a "Clash of Clans". This month, the monthly turnover directly exceeded 100 million. This data was only created by Penguin at the end of 2013 in the previous life.

Of course, there are more than "Clash of Clans" under Xingyuan. Now Xingyuan's "Defend the Radish" and "My Name is MTOnline" can provide Xingyuan with 560 million running water every month, plus "2048" , "Fruit Ninja" and "Temple Run" have been bought out in the iPhone store, and the total monthly turnover of Xingyuan's mobile games is close to 200 million.

Capital is all profit-seeking. Xingyuan's mobile games are so profitable, how can it not attract the attention of other capital.

In fact, since last year, a large amount of capital has been continuously focusing on the mobile game market.

"Three Kingdoms Kill", "Fishing Master", "Rhythm Master", foreign games represented by pig farms, and various types of attempts by many domestic game manufacturers.

Regardless of the quality of these games, they have indeed appeared in the market, and the trend of the domestic mobile game market has changed.

The butterfly effect that Xingyuan has brought to this market has been enormous, almost two years ahead of the fiery market.

The mobile game market has changed, and other markets are naturally not static.

With the rise of Xingyuan Daily Toutiao, capitalists have also seen the way smartphones are monetized.

If they hadn't figured out Xingyuan's big data algorithm, they would have already begun to enter the smartphone industry on a large scale.

But Xingyuan's technical barriers will not last long. By the end of 2012, the concept of big data algorithm will appear in domestic universities.

In one more year at most, all major capitals will understand why Xingyuan can achieve accurate push, and how to perfectly speculate on the psychology of users.

At that time, although Xingyuan's technology is still ahead, it will not reach the level of technological monopoly. At that time, everyone knows big data algorithms, and the only difference is the experience and the growth time of big data algorithms.

Luo Fan estimates that when the 4G network becomes popular in 2014, there will be many things that are different from the previous life.

In fact, Luo Fan has already made some preparations for this. The cloud service center is the most important move for Xingyuan.

When the technology of the cloud service center is mature, Luo Fan will launch the Nebula Cloud Disk.

As Luo Fan said at the rice press conference, Xingyuan Cloud Disk will be permanently free to use, and Xingyuan will not be like Baidu, which restricts the download speed without opening a membership.

Because compared with the petty profit of cloud disk, Luo Fan pays more attention to the promotion of Douyin to the world after cloud computing technology matures.

"Boss, we think mobile payment can be done, what do you think?"

Zhou Yuqing's words interrupted Luo Fan's thoughts.

He nodded and said, "I think it's ok, so let's get started! President Wang, your technical department will put aside the matter of adding the live broadcast function to the Neihan Duanzi, and concentrate on solving the problem of Xingchao's access to our mobile payment."

"Good boss."

"Mr. Cao, please register with our payment company. The name is Xingyuan Payment."

"I see."

"Mr. Xu, the payment method connection on the game side is up to you."

"Don't worry, boss, I'll deal with it right away."

Luo Fan nodded with satisfaction, and then announced the meeting.