Chapter 463 Third Brother's Little Tricks
The emails sent were not replied to, but it didn't really matter whether they were replied to or not; Xing Baohua got what she wanted.
In reality, nobody in this circle knows anyone else. They just criticize each other, and it's a dog-eat-dog world where those who aren't skilled enough get exposed.
As for the real masters, most of them are people who have jobs and live a quiet life in the city.
Red hats, white hats, or even black hats are just different identities.
They adapt to different roles depending on the specific needs of the scenario, switching back and forth as needed.
Of course, there are also those who dislike the office culture and go out on their own, often making a living as trolls.
They do things that harm others without benefiting themselves.
The hacker alliance asked Xing Baohua to investigate himself, but several botnets have already been destroyed. How can he investigate? If he continues, he might find clues for Xing Baohua.
Those who dare to criticize others are all highly intelligent. Perhaps they have low emotional intelligence, but don't try to play dirty tricks on their areas of expertise.
The matter has come to an end, and Xing Baohua has suffered some losses.
The next step is to see if we can find the other nine high-level members; helping them would be ideal. They're after money too, which Xing Baohua certainly doesn't need.
It doesn't matter who's behind the Black Den Alliance, since we can't find them; this thing has already become a platform for getting jobs.
There will be many more such platforms in the future, and even all sorts of dirty deals will emerge.
If needed, Xing Baohua would like to establish such a platform himself to do things for himself and occasionally smear his opponents, so that he doesn't have to personally get involved and expose his own mistakes.
As the saying goes, "He who walks by the river will eventually get his shoes wet," and Xing Baohua was well aware of her own limitations.
Xing Baohua learned some lessons from this online battle and compiled some information to be integrated by the Shield Security and Management Software Team.
The next day, Huahong Bank informed Xing Baohua that the bearer bonds he had purchased had arrived, and that he needed to sign off on the other bonds.
Xing Baohua went to the bank, signed the necessary documents, and placed all the government bonds in the bank's cold storage.
I also inquired about bank card issuance and credit loans. Although bank cards and credit cards have been around for a few years, they haven't become widespread; even after receiving a card, you still have to deposit it at the bank counter.
There are no ATMs in Hong Kong yet.
As for credit cards, Huahong Bank has not yet opened them to ordinary customers. It has opened them to a small number of high-end customers, and the credit limits are very small.
After understanding these issues, Xing Baohua asked the bank to conduct a survey to see which banks in Hong Kong were already issuing cards.
Furthermore, relevant issuance strategies have been developed, and another aspect is credit card issuance, targeting blue-collar and white-collar workers with moderate credit limits.
As soon as credit cards become more widespread, Xing Baohua plans to install sales terminals, namely POS machines.
Issued in the name of a bank, with T+1 and T+0 withdrawal options available.
How profitable is this thing?
It's just interest money, but its ability to attract deposits is extremely strong. As long as users of Huahong Bank's POS machines follow the T+1 system, all the money in Hong Kong with these consumer terminals stays in Huahong Bank for one day.
Aside from paying users one day's overnight interest, the rest is what banks earn.
There's a lot of intricacies involved in how to make money from it.
Users will withdraw or transfer money from their bank accounts, but they will not transfer all the money generated by the POS machine; a lot of money will remain in their accounts.
Banks can use this money for lending or other working capital.
Whenever someone withdraws cash, the bank's reserves are automatically transferred there, and the money keeps flowing back and forth like that.
With proper capital management, one can build a super financial empire using only this circulating money.
Xing Baohua wants to learn from Taobao or WeChat Pay and create a loudspeaker that will notify you of incoming payments when you swipe your card. It looks high-end and is very convenient to use.
Of course, Xing Baohua had been working on this plan for a long time, but unfortunately the implementation of the cards was still very slow.
Without a core group, it would be impossible to get such a large share of the pie.
We can't force things to grow too fast, since the equipment isn't up to par.
After leaving the bank, Xing Baohua went to the software park to check on some of the results of his previous dealings. How to put it? The progress was still noticeable, since there were some things that had no reference, so they could only explore and move forward.
We'll have to wait a while longer to see results.
While Xing Baohua and a programmer from the software team were working on a piece of code, the HR department happened to contact him.
As soon as Xing Baohua sat down in the HR office, the supervisor gave him several resignation letters.
Looking at the resignation letter, it was full of photos of foreigners.
Two hardware teams and three software teams—they were all junior staff.
The supervisor said, "Boss, these few people resigned together. After submitting their resignation letters, they didn't collect their remaining salaries and just stopped coming back."
"Did you talk to them when you submitted the letter?" Xing Baohua asked.
“We talked about it, and everyone had their reasons. For example, this guy named George said he wanted to go back to his country to get married. His fiancée wanted him to stay in their country to work. And this guy Charlie, his grandmother is sick, and he used the proverb, ‘While parents are alive, one should not travel far,’”
Xing Baohua laughed when he heard this. The reason was indeed bizarre. No matter the reason, you can't force someone to work. They can simply not come to work, and even refuse the remaining salary.
"Have you signed a non-compete agreement?" Xing Baohua asked.
"Signed."
"Five ordinary employees leaving is fine, we can just hire more. Let's try to investigate and see which company poached them." He stood up, preparing to leave, and walked to the door.
Xing Baohua then said to the HR manager, "Your department should conduct an employee job satisfaction survey. Are you satisfied with the company environment, benefits, and salary? If you are dissatisfied with any of these aspects, you can speak anonymously. We can also set up a suggestion box or something."
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