Chapter 1148

"Payment?"

Zhang Jianming was stunned, but then he understood.

exactly.

What is the most important thing about e-commerce? If it is placed on the entity, it is logistics. If it is placed on the online, it is payment.

In fact, logistics and payment are the core factors.

Without logistics, online shopping products can't be sent home.

Without payment, you can't even shop.

Logistics is a heavy asset and the cycle is too long. It is very difficult for Huanyu technology to compete with Amazon.

However, if payment can monopolize the world, even if it can not monopolize the world, it will win as long as it gets half or even one-third of the global market. Huanyu technology will win the e-commerce battle with Amazon.

JD has done such a good job in logistics in previous generations. Why can't it win tmall?

That's because JD doesn't have its own payment system.

In many previous lives, Dongge regretted when he recalled it.

Therefore, Chen Yu believes that payment actually takes precedence over logistics.

Moreover, this is also the one that Huanyu technology can overtake in corners.

"Mr. Chen, payment is indeed the core factor of e-commerce."

Almost, Zhang Jianming didn't react.

This is not to say that Zhang Jianming does not understand the importance of payment, but it is precisely that payment has been almost monopolized by Huanyu technology in China. Therefore, Zhang Jianming did not consider paying this piece at that time. However, when Chen Yu talked about payment, Zhang Jianming said: "but we have been pushing Alipay to the world before, but in addition to Asia and Southeast Asia, they are not particularly interested in our Alipay in North America, Europe and the United States, including Japan and South Korea."

After thinking about it, Zhang Jianming continued: "not only are they not interested in our payment, but they are not particularly interested in all electronic payments."

On this side of the country, there is paypass of Huanyu technology.

Similarly, there is also a payment tool called PayPal abroad.

But whether it is Alipay or PayPal, their development is not very good.

"People in Europe, America, Japan and South Korea still prefer credit cards. They are not very interested in this kind of electronic payment."

As for why domestic pay can do so well, it is because most people in China don't use credit cards very much.

Therefore, when electronic payment tools appear on the Internet, most people jump into the era of electronic payment.

But foreign credit cards are too powerful, and it is too common for everyone to use credit cards.

No matter the market or the habit, we will not accept electronic payment at once.

Chen Yu naturally knows this.

However, even if he knew, Chen Yu didn't think so.

"Jiange, the credit card system in Europe, America, Japan and South Korea is indeed relatively developed, but this does not mean that they are not interested in electronic payment. Nothing remains the same, and habits can also be changed."

"It's not just habit. It also includes the financial forces behind credit cards."

"This is not irreconcilable."

"It's true in theory, but it's too difficult."

This is not that Zhang Jianming has no confidence.

In fact, they have spent a lot of money on Alipay over the years, but they have not been able to open the overseas market.

"In fact, it is not difficult. Many times, in another way, the difficulties we think may become much simpler."

While talking, Chen Yu retrieved the background data of Alipay.

"Brother Jian, take a look. Have you found that the recent use frequency of Alipay is more than 10 times higher than that one year ago."

"Mr. Chen, we have studied this area because we have successfully launched pear smartphones, wechat and other super apps. On these super apps, we have bound our Alipay, which also makes their use frequency grow rapidly."

"Yes, it's because of our smartphones."

"But this one doesn't work overseas. People don't like to use Alipay. If they want to pay online, they will bind credit cards directly."

Although this way of binding credit card is also electronic payment, it is also bound with the bank and still does not leave the bank system.

"What if we launch an app and we have to let them use our pay through payment?"

Due to market reasons, pinduoduo and wechat can only choose various payment methods in overseas markets, rather than binding the only Alipay.

But if you open a new app, it's different.

"You mean a taxi app?"

"Yes."

Chen Yu nodded.

Of course, it's not just a taxi app.

But Chen Yu believes that the taxi app can be the first super application to popularize payment.

Didi and "kuaidi" and "Uber" fought so miserably in the previous life. The two families not only didn't earn a penny, but also lost to death.

But they're still fighting?

For what?

In addition to the market, the most important reason is payment.

Therefore, even if it is a loss, it is worth it as long as payment is popularized.

It is also such a war that domestic electronic payment has penetrated into almost every corner.

At last, not only the aunt but also the beggar used electronic payment.

However, Zhang Jianming has not seen the prospect of taxi app for the time being.

After hesitating for a while, Zhang Jianming said: "at present, few people use taxi software. It is also a very difficult challenge to popularize our payment system."

"In fact, there are not many challenges. As long as some users use the taxi software, they won't like taking a taxi anymore."

This is the same in the United States.

Chinese people are quite lazy, and Americans are even lazier.

Uber taxi has become popular in the United States, which proves that many things are interlinked between China and the United States.

But for some special reasons, there are many differences.

Unfortunately, Uber did not expect to make payment at that time, or they were unable to make payment for the time being.

Of course, this step is not enough. There is also the whole credit card financial system.

This is also an arduous task.

However, this is the later thing.

As long as these super apps are launched first, Chen Yu will have a way to influence the financial giants behind them.

"Well, brother Jian, have you ever taken didi taxi?"

Suddenly, Chen Yu asked.

"No."

Zhang Jianming shook his head: "judging from the download volume of the app store, their download volume is very small, and the general consumer response is that they can't get a taxi."

"Well, let's use it."

Chen Yu doesn't care about this.

The new taxi software is like this.

Where can I get many cars when there are not many users.

This is just like when we used to engage in e-commerce and instant messaging, what would we do without users?

Either open dozens of communication numbers, or buy and sell yourself.

Isn't that what a lot of domestic Internet companies do?

Even if Huanyu technology had no traffic in 5173, it found a lot of people to write guns and be fifty cents.

Even in online games, there is also trust.

"Come on, Didi, I'll download it. We'll try a taxi later."

Without saying more, Chen Yu and Zhang Jianming walked out of the Huanyu science and technology headquarters building. He was going to take a taxi to try the situation.