The richest man starts with a blind box

Chapter 481 The beginning of convenient payment [Additional]

Soon, Wang Heyi took up the post. Although this position is a bit marginal, he has already stepped into the ranks of GH's senior management in a serious way. After some operations in the future, there is no possibility of continuing to move up.

And even if he retires in this position, Wang Heyi can still get excellent retirement benefits, and he can also serve as a consultant for various companies, or use his own contacts to solve some problems that are very difficult for others, but for himself. It's just a matter of saying.

Therefore, Wang Heyi is still very satisfied with this result, and at the same time, he is very grateful to Huang He, because he knows very well that without Huang He, he would probably be on the sidelines now, and it would be impossible to achieve this position.

So regarding the task that Huang He gave, Wang He thought about it and tried his best, and finally came up with a solution.

On September 2003, 9, the 20th day after Wang Heyi took office, GH held an executive meeting, but the chairman's seat was empty at the meeting.

Probably because of the failure at the last board meeting and the fate of retirement, the chairman simply stopped coming to work, and he didn't know where to hide to relieve his worries.

The executives are also very satisfied with this. If the chairman is still there, they still have to handle many things through him.Now that the chairman is gone, they can go through meetings and discuss things by themselves.

In fact, it is a discussion, and there is basically no room for discussion, because each of the executives here has a territory, and the policies proposed are also related to their own territories. Under normal circumstances, they will not hinder other people. .

So naturally you don't veto my policy, and I don't veto your suggestion. Hello, everyone, let's pass it together.

And taking advantage of this opportunity, almost all the executives present came up with their own set of new policies that have been pondered for a long time. After all, there are many policies that are risky. , now is a good opportunity to take advantage of the chaos to pass.

Of course, these policies are only a little risky, and there are no policies that are too risky or unruly, otherwise other people here will not be able to help but refute.

After all, sooner or later, a new chairman will come to power, and they don't want to be liquidated in the future.

As one of the most marginalized departments, Wang Heyi was naturally the last one to speak up and put forward his own new policy.

It’s just that Wang Heyi just introduced his own policy, and everyone in the room turned pale. They looked at Wang Heyi in surprise. This guy has just taken office, and his ass has not yet settled down, yet he is able to propose such a radical policy. Come out, is this guy crazy?

So the question is, what kind of policy does Wang Heyi propose?
It's very simple. In fact, it is a policy that has been taken for granted in the future market, that is, the policy of convenient payment and electronic settlement.

At present, all major banks have their own electronic banks, which can conduct online transactions, but the current online transactions are really complicated and cumbersome.

For example, if you want a GH account to pay a fee for Jiangnan Mall, you must first log in to the official website of GH, then log in to your own bank account, and then transfer money on the webpage to the account of Jiangnan Wallet , and indicate the name of the receiving account and the name of the payee to complete the transfer.

This process itself is troublesome enough, but because of the complexity of electronic information security at present, it is difficult to prevent hackers from stealing cash, or someone steals the account name and password, and then directly transfers money from the user's account through online banking. money.

Therefore, it is generally necessary to be equipped with a digital security card, or a more advanced electronic key to be able to use it.

The entire transfer process, even for very skilled veterans, takes about 5 minutes to complete.

And if you encounter a computer novice, you may not be able to understand the process inside after a month of tossing.

It's just that the transfer process is slow, because it is transferred from the bank account to the company's account, so there is still a waiting time for the transfer, which is often between 24 hours and 48 hours.

This is simply unimaginable for online shopping users in 2021. Shouldn’t online payment be a point of a finger, and once the password and fingerprint are confirmed, the payment will be completed instantly, and then the platform will start shipping?
What the hell is it to waste 1-2 days just to pay for it?

This is why Jiangnan Group mainly promotes Jiangnan Wallet, because users first deposit a large amount of cash into Jiangnan Wallet, and then consume the funds in Jiangnan Wallet, so that the function of instant payment can be realized.

To put it simply, in 2003, three steps were required to complete the transfer. First, earn money from the bank account to Jiangnan Group’s account, then transfer it to the buyer’s personal account through Jiangnan Group’s account, and then transfer it to the seller’s account through the buyer’s account. account.

In 2021, it will be very simple. Although the platform is also earned through the bank, it can be operated directly on the platform page, and the verification method is simplified to a few seconds by binding mobile phones, personal fingerprints, passwords, etc. degree.

The policy proposed by Wang Heyi is to simplify the payment time. Of course, for the sake of safety, most of them do not have mobile phones, and they still have to pay through the web page.

Therefore, payment still requires a security card or an electronic key to be able to trade.

However, there is no need to log in to the official website of the bank and manually enter various information to transfer money.

Instead, after clicking the payment directly, all kinds of information will be directly transmitted to the bank to generate payment information. The user can use the secret security method to confirm the payment. The whole process simplifies the procedures by two-thirds, and the time is saved to only Only one step is required to verify the password.

In the eyes of people in 2021, this is a very normal and simplified solution, and it is also very troublesome and complicated, not convenient enough, and it is a very conservative and backward solution.

But when Wang He proposed it, it immediately aroused the surprise of many executives, and then there were various objections.

They were not aiming at Wang Heyi, but really felt that this plan was too dangerous and unreliable.

Because if it needs to be simplified to this level, it is necessary to bind the payment system of the Jiangnan shopping mall and the electronic banking system of the bank to a certain extent, so as to be able to complete the information exchange and generate payment information in an instant, which requires a lot of technical R & D and try, this is a technical cost issue.

However, the technology is still a trivial matter, and it can be done by spending money. The real problem is that the cooperation mode between the bank and the e-commerce platform has changed. This may sound like nothing, but for the entire bank, it can be called a huge of change.

God knows if there will be any crisis or bad consequences. If there is any mistake in the middle that leads to a major and vicious incident, then everyone here will be counted as one, and there will be no good fruit to eat.

Therefore, although everyone here understands that this simplified plan is very conducive to the development of e-commerce for banks and can bring huge prospects to banks, but no one dares to agree to this plan. After all, whoever agrees will be blamed.

"All the consequences of this matter can be borne by me, and I promise not to implicate you!" Wang Heyi said very straightforwardly, but everyone still felt sympathetic and did not intend to let go.

God knows if you, Wang Heyi, are really willing to take the blame by yourself. Also, can you take the blame by yourself if you want to?What if it still affects us?
Therefore, none of you present agrees, seeing that this simplification policy is about to come to an end without a problem.

At this time, it shows the benefits of having a chairman. As long as the chairman agrees, everyone will follow suit. Anyway, if there is any problem at that time, the chairman will be responsible.

But now that the chairman is not here, everyone is unwilling to take responsibility on their own.

"This matter, I think it's okay!" Suddenly, a familiar voice sounded, and everyone followed the voice, and found that the chairman appeared in the meeting room at some time, quietly watching everyone Said, "I think Minister Wang's opinion is very good. E-commerce is the development trend of the future society. The entire banking industry should vigorously develop electronic payment. If our GH can take the lead in launching a convenient payment policy, then we can be ahead of all banks. , and become the leader in the electronic financial industry!"

Hearing what the chairman said, everyone was dumbfounded again.

What's the situation? Before, I cooperated with Wang Heyi to take over the position, and then pushed down a lot of the chairman's confidantes, which made the entire chairman's faction completely finished. The chairman probably hated him in his heart. Wang Heyi gritted his teeth with hatred, why did he change his mind and agree to Wang Heyi's plan at this time?

And with such firm support, could it be that these two people were acting before?

Everyone was puzzled, but the chairman continued to ask, "Everyone, those lost corporate customers, are they willing to come back? Are they willing to continue to borrow from our bank?"

"This..." Hearing this question, everyone's expressions became very ugly.

Although Jiangnan Group has been stabilized, and Jiangnan Group has cooperated with the news that the two parties have settled their suspicions, it can be regarded as stabilizing the psychology of many users, and finally stopped the current trend of customer loss, but those customers who have already lost are very difficult. It's hard to come back, after all, transferring a bank is also a very tossing thing, no one is willing to toss again.

"How many loans have we lost in total?" the chairman asked the head of the finance department.

"Add up to nearly 600 billion yuan!" The person in charge said with a wry smile.

"Well, how about letting the Jiangnan Group bear the loss of the loan?" The chairman looked at Wang He and said, "Go and tell Huang He that 10 billion US dollars is to underestimate Huang He, the American Fortune magazine announced According to their latest valuation, Jiangnan Group has reached a valuation of US$80 billion.”

"So we can draw up a new loan contract, still using the entire Jiangnan Group as a mortgage, we can lend 600 billion yuan to Huang He, and the interest will be calculated according to the lowest interest rate, as long as he dares to borrow this loan, I will make a decision Agree with your convenient payment policy, anyway, my old bones are useless, and I can take care of all the things!" Saying this, the chairman's eyes flickered with a huge light!

(End of this chapter)