Lei Jun's life trajectory has undergone a significant change.
Qiu Bojun was poached by Wujiang Group, which resulted in the absence of the renowned Kingsoft Software Company in this era.
Instead, a security software development department of Wujiang Group was established.
Wujiang Group is a company that almost every computer science student aspires to work for. So, not long after graduating from university, Lei Jun joined the software development department of Wujiang Group, and soon after, he stood out with his outstanding talent.
Before joining Wujiang Group, Lei Jun had started a business with his classmates, developing Chinese character cards. However, the industry was very competitive and no longer profitable. With the release of the HarmonyOS system, the Chinese character card industry was completely discontinued.
The company founded by Lei Jun and his classmates suddenly went bankrupt, and the group had no choice but to go their separate ways.
"I know, boss. Don't worry, I will definitely live up to your expectations!" Lei Jun nodded solemnly.
"Yes, I believe in you!" Zhao Ye nodded slightly. This guy is Lei Jun, the founder of Xiaomi. His abilities are beyond question, and he will definitely be a key figure in Wujiang Group in the future. In his previous life, when he was a big shot at Kingsoft Software in the 1990s, Ma Yun and Ma Huateng were still just little Karami.
Immediately, Zhao Ye's gaze swept over everyone in the conference room, reiterating the benefits and importance of Alipay.
...
The next morning around 10 a.m., Zhao Ye arranged to meet with the president of the Industrial and Commercial Bank of China.
Inside the president's office at the headquarters of the Industrial and Commercial Bank of China.
Zhao Ye pushed open the door and entered with a smile, walking towards a middle-aged man in his forties.
"President Tao, hello!" Zhao Ye extended his right hand.
"Hello, Comrade Zhao Ye!" President Tao Kaixuan shook hands with Zhao Ye and greeted him, then invited him to sit on the sofa.
"President Tao, you can just call me Xiao Zhao or Zhao Ye!"
Tao Kaixuan nodded, poured Zhao Ye a cup of tea, and then asked, "Little Zhao, is there something you need from me?"
Zhao Ye nodded and said, "I don't come here without a reason. I'm here to see President Tao to discuss a cooperation between Wujiang Group and the Industrial and Commercial Bank of China!"
"Xiao Zhao, it's just a collaboration, why do you need to come all the way here in person? A simple phone call would have sufficed," Tao Kaixuan said with a smile.
Upon hearing this, Zhao Ye thought to himself, "If Alipay hadn't threatened the banks' interests, would they have asked me to personally intervene?"
In their previous lives, Jack Ma and others were not qualified to cooperate with the head office in order to promote Alipay. So at the beginning, they could only cooperate with bank branches, using their own funds and the funds in transit accumulated during Taobao settlement as bait to lure the provincial branches of various banks to open payment merchant accounts for them.
As a branch, of course it's willing to cooperate for its own benefit. Who cares if Alipay threatens the banks' profits? As long as our branch makes money.
Alibaba used the same method to partner with multiple branches of a bank, thus opening up the market.
Wujiang Group's scale is incomparable to Alibaba's, so from the beginning, Zhao Ye planned to directly target the bank's headquarters. Once the bank's headquarters was secured, online payment would be basically settled.
"President Tao, this cooperation is quite important, as it will affect the future of the country's finance. Therefore, I would like to talk to you in person."
Upon hearing this, President Tao Kaixuan asked in surprise, "Oh, what kind of cooperation is it?"
Zhao Ye slowly explained: "It's like this, our company has developed an online payment software to facilitate online transactions! With the development and improvement of e-commerce and the internet, the scale of online transactions will become larger and larger, and its importance will become greater and greater!"
After a slight pause, Zhao Ye explained his purpose: "Our company hopes to reach a cooperation agreement with a bank so that the bank can open online banking for depositors and then connect it with the Alipay online payment software developed by our company!"
"Users can directly use Alipay to complete transactions when shopping online!"
Upon hearing this, Tao Kaixuan roughly understood the role of Alipay. However, he clearly had not yet realized that Alipay might erode the market share of banks.
Alipay's trump card—Yu'ebao—has not yet been developed.
In President Tao Kaixuan's view, Alipay is just an intermediary tool.
"Xiao Zhao, isn't cash on delivery a good option? I think many people would worry about the safety of their funds if they paid online..."
Zhao Ye shook his head and said, "There are indeed security issues, but our company can solve them through technology. There shouldn't be any major problems. And online payment has many advantages, for example..."
Zhao Ye thought for a moment and continued, "I'll just mention three main advantages."
"First, the advantage of online payment is that funds can be directly transferred from the user's bank card to the website account, and the remittance arrives immediately without the need for manual confirmation."
Secondly, online payment has the advantages of convenience, speed, efficiency, and economy. Users only need a PC with internet access to complete the entire payment process in a very short time without leaving home.
Third, online payment fees are only a fraction of those of traditional payment methods, sometimes even a fraction of a percent. Online payment completely breaks through the limitations of time and space, operating 24/7, and its efficiency far surpasses that of traditional payment methods!
As soon as he finished speaking, President Tao Kaixuan seemed to be deep in thought. He picked up the tea on the table, took a small sip, and then couldn't help but think to himself, "Online payment is really as Zhao Ye said. It's very convenient and the cost is much lower. It has a broad development prospect and will definitely be loved by the younger generation. If ICBC can take the lead in cooperating with Wujiang Group, the benefits will definitely outweigh the drawbacks. Many people will definitely become ICBC's online banking users first in order to use Alipay!"
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