Rebirth of financial migrant workers

Chapter 25 What’s the difference between 0.78% and 1%?
Zhou Wenlong has been a little worried recently.

He has been working at Yinbao Business, the largest bank card acquiring company in the country, for fourteen years.

It is said that even if he has worked long enough, he should be a department manager of a provincial branch, but he is currently only the deputy director of the approval business of the Hedong branch of Yinbao Business Shuanghe Branch.

There are three paths before him now:
The first one is to continue to stay in the Hedong branch as his deputy director of approval, and wait for the day when all the people who are supposed to be airborne from the headquarters are airborne, and then it will be his turn to be promoted to a full-time job.

The second is to apply for a temporary job in a district company below the branch, work at the grassroots level, go deep into the front line, make some achievements, and finally return to the Hedong branch and be promoted.

Third, if you resign and go to competitor Tongbao Pay, you can get at least a half-level promotion in your position.

But after all, after working in Yinbao Business for so many years, people all have feelings.

Zhou Wenlong still wanted to stay in Yinbao Business, so he had been wandering between the first and second paths during this period.

He just went to work this morning. He was sitting in the office and took out the blank 'application form for temporary employment', hesitating.

The positions of persons in charge of the two district companies, Sanli Temple and Wulihe, have always been vacant. Should I take a gamble?

However, the Sanli Temple market has long been occupied by Tongbao Pay, and the location of Wuli River is a bit too remote.

"Mr. Zhou, a bank employee who claims to be your junior came to visit."

Back to half an hour ago, the bank just opened at 8 o'clock.

Security guard Yao Dayun stood on guard with sleepy eyes, watching Wang Chunliang drive away with Mr. Liu and Wang Lijun in his car.

He secretly raised Wang Chunliang's position a few points higher in his mind. This was a famous person who could take the president to clients on the second day of work. He would have to lick him well in the future.

In the car, Sister Jun was checking her makeup in the makeup mirror, and Mr. Liu sitting next to her was a little restless.

Mr. Liu lit a flower, which immediately attracted a dissatisfied look from Sister Jun.

"Liu Xing, if you want to ask anything, just ask me directly, even though you have already asked me all night yesterday."

"Okay then. Chunliang, is your senior really going to work as a host at Yinbao Business in Sanli Temple?"

"He is still a little hesitant now, but he should make a decision after meeting us."

After speaking, Wang Chunliang recalled the first time he and Zhou Wenlong met.

It was in the winter of 2017 in his previous life. By chance, he met Zhou Wenlong at a dinner party.

After some conversation, they discovered that they were both alumni of Shuanghe University, but Zhou Wenlong was more than ten years older than Wang Chunliang.

Wang Chunliang immediately recognized the senior, and Zhou Wenlong happily shared his glorious work experience with his junior.

Among them, it was mentioned that when he was first transferred to the Sanlimiao District Company in 2010, with the cooperation of the Sanlimiao Branch of Hedong Science and Technology Bank, he used price wars to drive away Tongbao Pay from the Tianhe mobile phone store and the Five Star Fruit Wholesale Market, and unified the entire Sanli In the temple area, all local merchants have used Yinbao Business POS machines.

And based on this record, he was directly promoted to Shuanghe Branch as marketing manager.

"Chunliang, you said that our bank has its own POS machine, is it appropriate for us to promote Yinbao Business?"

"President Liu, do you know how much our POS terminal fee is? 2%!"

At this time, Sister Jun interjected:
"As far as I know, the POS processing fees of Yinbao Business and Tongbao Pay are both 1%-1.2%."

"Yes, the difference in handling fees is nearly 100%. Sister Jun, you have been in charge of the retail department of the branch. You should be very aware of the usage rate of our branch's POS machines among various merchants, right?" Sister Jun recalled it and said a little disappointed:

"Basically no one uses it. If you spend 100 yuan, there will be an extra 1 yuan handling fee. Normal people also know how to choose."

"So, Liu Xing, what we have to do next is not to steal everything, but to wipe the assholes of those bastards in the head office's retail department who are out of touch with the market and regain lost customers!"

Manager Liu felt a little more at ease, and then wanted to ask something more.

Just at this time, the destination Yinbao Building arrived. Wang Chunliang explained to the two leaders in the back row:
"Sister Jun, you will be the bad guy, and I will be the red face. Liu Xing, just make a good mascot and give us a good show."

"My junior? Or from the bank? Let him in first."

Zhou Wenlong was a little strange. The bank and Yinbao Commerce had a weak competitive relationship. What was the purpose of the other party's visit to him.

He was even more dumbfounded when he saw a young man leading a leader-looking man and a top-notch, um, beautiful working woman in.

He didn't know any of these people.

"Who are you?"

"Senior, I also graduated from Shuanghe University and am a close disciple of Dean Bai. I often hear the teacher mention you, and he also told me to visit you if I have the opportunity."

Zhou Wenlong was flattered that the famous Dean Bai of Shuanghe University still remembered him and even asked his proud student to visit him. His attitude immediately became enthusiastic:
"Xiao Li, the tea hasn't been brewed yet, please hurry up. Come on, everyone, sit down."

"Senior, I just graduated and am currently working as a retail manager at the Sanlimiao branch of Mule Private Bank. Oh, I haven't printed out my business card yet. I will add it later. This is President Liu of our branch, and this is Wang Lijun, our marketing manager."

Zhou Wenlong didn't like to beat around the bush and asked directly:

"Junior, if you have anything to say, just say it. As long as it doesn't violate the principles, I will definitely help you as much as possible."

Wang Chunliang: "Senior, I'm not here to help. We are here to discuss cooperation with you."

Zhou Wenlong: "Oh? How can the bank cooperate with us?"

Wang Chunliang: “Our Sanlimiao branch can help you install POS machines throughout the Sanlimiao area.”

Zhou Wenlong did not answer, but asked first:
"What benefits does this have for your bank?"

Sister Jun answered first with peach blossom eyes: "We only have one request. The POS machine of Yinbao Business in Sanlimiao District must be linked to the bank card of our branch."

Zhou Wenlong thought for a while:
"Associating your bank card means that the money customers swipe at POS can only go into your bank account. This is not easy to handle, and the customer will definitely not be happy."

After finishing speaking, Zhou Wenlong shook his head helplessly and continued to add:

"I won't hide it from you. Even if you do this, it doesn't make sense. That area has long been occupied by Tongbao Pay. Our Yinbao Business doesn't even have a POS machine there!"

Sister Jun: "The president and I didn't support it at first. After all, our bank has internal regulations, but the plan Xiao Wang came up with yesterday is very attractive and feasible. Xiao Wang, please explain it carefully to Mr. Zhou."

"Senior, the rates for the POS machines issued by Tongbao Pay in Sanli Temple are 1%-1.2%. As long as Yinbao Business can guarantee that the rate for our POS machines is 0.78%, I will be sure to win this market."

"There's not much difference between 0.78% and 1%."

"There is a merchant called Jinhua Fruit in the Five-Star Fruit Wholesale Market. Their monthly turnover is about 400 million yuan. If they are replaced with a 0.78% POS machine, they will save 8800 yuan in card swiping costs every month. Senior , what do you think will happen if I give this number to their boss?"

(End of this chapter)