Coquettish Rebirth

To put it bluntly, such a handling fee is actually quite a headache.Because this matter is a bit like "housework is difficult for an upright official", it belongs to the kind where the public says that the public is right, and the mother-in-law says that the woman is right.It's really not easy for Jia Hongjian to come and judge who is wrong.Under such a situation, neither side is easy to convince.And it is impossible for Jia Hongjian to advance money to the two parties to make peace!If the money is short, Jia Hongjian will be more generous and offer to sacrifice a little to help advance the money so that the two parties can reconcile, then it doesn't matter.But the key problem is that if you need to advance money, it's not a one-time or two-time thing, but it's really years and years!And it is still rising according to the rising transaction volume!Although Jia Hongjian and Huaxia Hi-Tech can make money from the cash flow of mobile payment, we don’t make a lot of money here, and the 2% handling fee may be quite expensive in our money. Why should we post our own money to the two of them?

But if Jia Hongjian and the others really want to be a mobile payment channel, they have to win over Wal-Mart and other merchants!Why?Why did Huaxia Hi-Tech Online Payment ignore Wal-Mart and attack Wal-Mart before, but now it wants to win over Wal-Mart?Because the original online payment only impacted the industry, overthrew the previous tradition, and tried to hit the traditional distributors and retailers. In other words, 80% of it is destruction and 20% is construction.But it’s different now. The current mobile payment is not just the mobile phoneization of online payment, it’s not just about getting online payment to mobile phones, it’s not just about allowing everyone to go shopping with their mobile phones in the office or on the street. Huaxia Hi-Tech's online store is nothing more than it!

More importantly, this mobile payment is to change the form of cash flow, and it is something that changes the face of social business in a more profound way!Think about it, just rely on the computer to pay online, can you pay directly with your mobile phone when buying pancakes and fruits?Can I pay with my mobile phone directly after shopping in the supermarket?This thing is really ingenious!If it is said that mobile payment was originally Jia Hongjian’s idea of ​​supporting small, medium and even small businesses in the United States, if it is said that Jia Hongjian only wanted to rely on mobile payment to gain word of mouth at first.Well now it's completely different.The more he thought about it, the more he felt that such a thing as mobile payment was good, and the more he thought about it, the more he felt that this thing must be grasped in his hands!

If you want to hold mobile payment in your hands, you must solve such a handling fee. How can this be done?Jia Hongjian still had a headache.He is going to intercede with the three big credit card companies, and they will definitely not sell his face.And this is real money, not just face!And merchants like Wal-Mart, and even merchants including McDonald's and KFC, they must mind the handling fee!Especially if the card is really swiped, the pos machine is really used, and people will recognize the handling fee, but now it is clear that the mobile payment does not swipe the card!Why should they charge a handling fee?No one is happy with whoever puts it on!

So how to solve it?Jia Hongjian thought for a long time, but he couldn't think of a way to resolve the conflict between the two parties, which was very rare for a clever little prince like him.Under normal circumstances, he can come up with a good solution.But this time I really didn't think about it.But if he didn't think of it, it doesn't mean he didn't recruit!He has been in the society for more than ten years in his previous life, and he deeply knows that sometimes when two partners have conflicts and cannot be resolved, the only solution is to get rid of one of them or even the other party. Throw both sides away.So what is in front of Jia Hongjian now is, who is he going to get rid of?

Relatively speaking, the merchants represented by Wal-Mart must not be thrown away, if they are thrown away.What can Huaxia Hi-Tech and those credit card companies jointly do?Can it profoundly change the business landscape in the United States?Can it be done so that everyone uses as little cash as possible?It's hard!And to be honest, if you win over Wal-Mart.Everyone has united into a coalition of interests, so Wal-Mart will definitely not bother Huaxia Hi-Tech anymore, and it will definitely not think about getting some congressmen to come up with a bill to disgust Huaxia Hi-Tech, right?Instead of leaving an enemy to disgust yourself from time to time, instead of trying to prevent the opponent from disgusting yourself all day long, it is better to pull the opponent into a teammate.How much peace of mind?

Moreover, Jia Hongjian is not just sticking to other people's cold buttocks, or we are losing money to win them over. We are just looking for cooperation with others without being humble or overbearing, and in the end, it is indeed beneficial to both parties. This is the real correct choice. .This is a win-win situation!Originally, Wal-Mart and Huaxia Hi-Tech did not have any mortal feud. Even if there was a little conflict before, it can be said that they did not know each other, right?Relatively speaking, those credit card companies might be able to be abandoned, but after abandoning them, it will be more troublesome to promote such a plan!After all, people in the United States may have savings cards, but people rarely spend money on savings cards. Most of the time, their savings cards are only used as checking accounts, such as paying alimony, but they usually spend money. At that time, they still used credit cards a lot.After all, if you use a credit card, you can pay it back in several months!If I owe money to someone's credit card company, there will be a minimum repayment amount every month. As long as the minimum repayment amount is paid off, the credit card company will not scold you, and will allow you to pay it back slowly!Although this would require paying more interest, at least it wouldn't cause too much pressure all of a sudden, wouldn't it?

In such a situation, the three major credit card companies in the United States must have the most people.Even if we find a credit card company that is inferior to these three credit card companies, the number of customers is not as large as the three credit card companies. Even if consumers want to use mobile payment, they must apply for a new credit card... Isn't this increasing consumption costs? ?However, if our products are really attractive, even if the consumption cost rises slightly, it is estimated that many consumers will still be willing to try it?After all, they don't need to spend extra money to get an extra credit card, it's just a little troublesome, and you can apply online these days.

Thinking of this, Jia Hongjian immediately began to ponder which credit card company to choose to replace the three top credit card companies.He quickly asked the people below to find him the rankings of companies that can issue credit cards in the United States and the banks, but when he started looking for a suitable partner between the fourth and tenth, he suddenly found out that A very wonderful thing!what's up?That is, there are a lot of banks in the United States!Although the United States is different from China, other financial companies besides banks can also issue credit cards.But the United States is not really a bank, and there are not many companies that issue credit cards. They do a better job, that is, American Express!At the beginning, American Express was in the express delivery business, and later it was in the tourism business. It slowly developed into a credit card through traveler's checks through tourism.Except for this American Express, other credit cards are basically issued by banks.

What's so amazing about this?Wonderful is not here.Rather, it lies in the number of US banks!There are actually not many banks in China. Basically, there are various well-known large banks in China, and then there are rural commercial banks or rural credit cooperatives in various places, plus some private banks established over the years, that's it.At most, add some various provinces and city banks that have been established and are being established over the years!Add up the whole country, are there a hundred banks?But it's different here in the United States. There are nearly 3000 banks in this corner of the United States!That's right, even if the population of the United States is only a quarter of that of China.But there are nearly [-] banks here!

That's right, almost 3000!Of course, these 3000 banks cannot all be as powerful as ICBC and CCB in China. Most of them are like rural credit cooperatives—for example, the 2000 banks in the United States account for 1-5 million. Such a kind of "community bank" with US dollar capital, and then about 5 small banks with US$10-400, then there are about 10 large banks with US$50 billion to US$400 billion .That's only a few dozen in total!This data looks amazing, right?Instantly, Jia Hongjian became interested in these 50 community banks!He did some research. What about the community bank?It turned out to be all kinds of small banks that are so small that there may be one or two branches.This kind of small bank can't compete with all kinds of big banks, and can't attract deposits. Besides, there is no such thing as deposits in the United States.So what these banks do is mainly to provide loans to various small and medium-sized businesses within a few kilometers of their business locations!

That's right, to put it bluntly, these small and medium-sized businesses, if they want loans.Big banks don't care about this business at all!And this business risk is too great!For example, if a person wants to rent a storefront to open a restaurant, but they don’t have enough money, they go to a big American bank to borrow a loan, and the big bank will immediately kick them out!It is impossible to lend him, let alone the risk.And the business volume is too small!But community banks dare to do it!These community banks do not mean to specialize in all kinds of risky "subprime loans", but to specialize in small and medium-sized loans.In order to reduce risks, they have a clear understanding of various business environments within their business scope!So if someone wants to rent a storefront to open a store, the people at the community bank will know if it is a good idea as soon as they hear the location, and then they will have a judgment on whether the store can be built after reading the plan—in addition to understanding the nearby business environment In addition, these community banks also have a very clear understanding of the distribution of the surrounding residents!It can be said that these community banks are doing small businesses that big banks look down on, and then relying on small businesses to make money sporadically, propping up the shelf of their own banks!

From some perspectives, these banks are very beneficial for private entrepreneurship!Especially for some start-ups in traditional industries that don't have many fresh ideas, and venture capital still doesn't like it, it's even more helpful!At this time, Jia Hongjian looked at so many community banks, and suddenly an idea popped into his head-can we unite more than 2000 such community banks in the United States to form an alliance?Let consumers apply for a card at a community bank near their home, and they can make mobile payments all over the country?In this way, when repaying the money, it will be directly returned to the community bank. The community bank must be happy, right?And how do ordinary people have time to run around all day long? Most people still spend most of their time near their own communities. This will also promote the original customers of community banks-local community merchants, right?This seems to be really tricky! (To be continued..)