Chapter 600 Chaos and Choices
Faced with the aggressive WeChat, although many competitors did not want to admit it,
they still wanted to struggle .
After all, they wasted so many resources to promote cooperative bank cards, but they died in the womb and were inexplicably defeated in seconds. They
were really unwilling to accept it.
But it was obvious that
in the face of the tide of the times,
those little resistances were like ants trying to shake a tree.
Next, the expansion of WeChat was not affected at all.
After the launch of the new cartoon mode of WeChat, even if the competitors of WeChat tried their best to promote the cooperative cards, there were only a few users who chose to apply for the cards.
Most users with existing cards would not consider this mode at all. Those who
knew the times, such as Tianhu,
have actively embraced the cartoon mode created by Linmu Studio.
Not long after Linmu Studio's WeChat was updated, they were the second to imitate this model.
Even though they were the well-deserved payment leader not long ago.
And thanks to the fact that Linmu Studio had contacted mainstream banks before, the business negotiation process between Tianhu and the banks was not difficult.
At the same time.
Because it followed the footsteps of Linmu Studio and was willing to lower its profile,
Tianhu really saved a lot of users.
After all, the cooperative card issuance model does not get all fake users, but it is meaningful.
Users have applied for a card for Tianhu Payment.
Of course, they don’t mind binding an old card to Tianhu Payment.
Although,
the number of users who bind Tianhu Payment cards is far different from that of WeChat...
After all,
WeChat’s cautious expansion speed and the various security measures it took later to cooperate with the WeChat payment card binding mechanism
really gave users a great sense of security.
This sense of security cannot be bought by publicity.
Among them,
Linmu Studio’s own good reputation and scale have also become a catalyst.
Therefore, it is really difficult to establish user trust.
What’s more,
WeChat has accumulated a large number of users because of its ease of use.
All these together
make everything a natural process.
Users subconsciously choose WeChat, and developers are willing to connect with WeChat.
WeChat, which was originally left behind by other third-party payment platforms, has once again become the leader.
This fact cannot be changed.
Therefore, other third-party payment platforms, led by Tianhu, also accepted their fate.
Let's imitate.
Payment reminders, verification code settings for different devices, daily payment limits... and so on.
All updates of WeChat.
Other third-party payment platforms, led by Tianhu, accepted them all and started to update synchronously.
This made the entire market once again return to an environment where WeChat monopolized seven places and other princes fought for three places.
It was good for the entire market.
Because the overall security of mobile payment is guaranteed, more and more users choose mobile payment, and the market size is getting bigger and bigger.
Of course.
Almost every user who uses mobile payment has WeChat...
There is no dispute about this.
And this also made many investment institutions and competitors begin to wonder, how much is the current reserve fund of WeChat payment?
How much can the interest on the reserve fund and service fees be earned every day?
The service fee mainly comes from the handling fee generated after the merchant accesses WeChat payment.
After all, the essence of Internet business is just collecting rent.
Don't look at how lofty it sounds.
But whether it is the Internet giant in Lin Yao's previous life or the current Linmu Studio.
Most of the Internet industries involved are collecting rent.
The platform collects rent, and mobile payment also collects rent.
The main source of income for mobile payment is also this.
Of course.
There is also the interest on the reserve fund.
However, Lin Yao is not very interested in this.
Because he knows very well that this thing cannot last.
It will disappear soon.
This is the user's money, which is not legitimate and suspected of violation.
But her indifference does not mean that others are not interested.
The reason why so many investment institutions and competitors pay attention to the scale of WeChat's reserve fund and the service fee
is mainly to make this money.
WeChat is now a unicorn in the industry.
And after a simulation and model calculation.
The final result exceeded many people's expectations.
After the update of WeChat, it is extremely terrifying in every aspect, completely beyond the scope of a game company.
And the way WeChat operates, in their opinion, is still too conservative.
This large amount of money... but it was basically passed through once and all paid out in one month.
Obviously, with so much capital, they could have an overwhelming advantage in the negotiation process with the bank.
But they had no intention of using it at all...
Now the mobile payment market is becoming more and more prosperous...
And mobile payment is so close to money...
Users can also use it every day...
As WeChat was fully understood.
Some different ideas began to appear in the minds of competitors and investment institutions.
Some things may need to be taught by Linmu Studio.
But some things.
Linmu Studio doesn't need to teach at all...
Soon.
Major financial institutions began to actively contact existing third-party payment platforms.
Because they have existing capital pools.
Some even choose to do it themselves.
...
"Financial institutions?"
Linmu Studio.
Lin Yao took the information handed over by Mu Wanqing, flipped through it briefly, then froze, and said with a stern face: "It's the same thing again."
"Again?" Mu Wanqing was a little surprised when she heard it.
"Nothing."
Lin Yao shook her head, then threw the information in her hand directly into the trash can and clapped her hands: "Don't worry about these, whether it's lending or P2P, just hang up the phone as long as they contact you."
"Okay."
Mu Wanqing nodded, agreed first, and then said: "But I checked a little bit, and many third-party payment platforms have reached cooperation recently. I
guess they also understand that now it is impossible to surpass WeChat through conventional channels.
And the relevant income, you have also seen, the estimate is very exaggerated."
"No matter what they do, our WeChat will only bear the responsibilities of a third-party payment institution."
Lin Yao shook her ponytail lightly: "No matter how much money I make, I won't be able to sleep at night... and the final price will be far more than what I get.
WeChat is sensitive enough, and now it is unique. If I do these messes again, it will be courting death."
"Ms. Mu, no matter how the external environment changes in the future, our WeChat will only insist on assuming the responsibilities of a third-party payment institution. At most, we will use the traffic entrance to become an application entrance and earn some rental money."
"As for the rest, we don't touch it, whether it's micro loans, financial management, or selling insurance. These are meaningless to us." Lin Yao didn't plan to do these things
when she started WeChat. Although it does make money, it is much higher than the income related to payment. But from her shallow point of view, this thing... really cheats users, and as ambitions expand, it is extremely easy to get out of control. Here, once WeChat has determined its leading position, it is not like the two worlds in her previous life. Even if Lin Yao creates some opponents, it is estimated that it will be difficult to have a scene of two heroes competing for hegemony. In this case, WeChat is still doing these. If it comes down, the entire Linmu Studio will disintegrate. What's more, from a personal point of view, Lin Yao is not interested in this thing. Let users overdraw the future, then they will definitely be sinners. Lin Yao doesn't want to be nailed to the rack of shame. So from the beginning, she decided that no matter what will happen next, WeChat will only bear the responsibility of a third-party payment institution. In other words, it will only be a payment tool. Nothing else is involved. "To put it bluntly, although the money in the financial sector is quick to make, it is not easy to get hurt." Lin Yao paused and continued, "Instead of changing it when it hurts, it is better to avoid these problems from the beginning. WeChat only needs to connect our ecosystem and play a role that is convenient for users. Some small tricks can be used to please users, but more is not necessary. Instead of continuing to cultivate mobile payments, it is better to continue to cultivate Youmei." "Youmei's launch of new products can not only make money, but also drive employment. At the same time, it can also facilitate users and drive industries. It is much more meaningful than the messy money made by WeChat payment." "That is indeed it." Mu Wanqing smiled lightly. The real economy is the foundation of a country's economy. Youmei produces products, and the production, circulation, and service of products are a whole industrial chain. There are many people who benefit from it. Even if Youmei becomes the current position of WeChat, as long as it does not deliberately exclude other competitors and use its dominant position to disrupt market competition. There will never be a risk of disintegration. Because disintegrating such a company will make no sense except making it lose its competitiveness. "So, Youmei is the safest." Lin Yao turned the pen in her hand: "Instead of spending all her energy on finance, it is better to run Youmei well, and the final profit may be greater. Even in the game industry, the risk is lower than that of finance. Our games are quite popular overseas, and we can also earn foreign exchange, right? Let's prepare for the press conference at the end of the year, let them play by themselves, we want to surprise everyone with our products... Of course, there are also games... Look, Miss Mu." As Lin Yao was talking, she suddenly thought of something and raised the original painting on the table. But Mu Wanqing looked at the original painting raised by Lin Yao and fell silent. On the painting.
A middle-aged man with a wrinkled face, messy hair, a shiny forehead, and a somewhat wretched face holding a baseball bat, appeared on the paper.
There was another sentence below.
[Things that cannot be seen in the light will always be seen in the light one day - Trevor Phillips]
"How is it?"
Lin Yao poked her head out from behind the paper, leaned forward slightly, and asked.
"Very... quite interesting."
Mu Wanqing held back for a long time and could only come up with this comment.
Then, after saying this comment, she immediately asked: "Didn't you always draw beautiful girls before? Why did you suddenly draw a middle-aged man..."
"A new game."
Lin Yao put down the original painting in her hand and replied with a smile: "He is one of the protagonists."
"..."
Mu Wanqing took a light lotus step and walked to Lin Yao's side, then looked down.
On Lin Yao's desk.
Sure enough, there were two different original paintings.
In addition to the middle-aged man just now, there were two other characters.
One was a black man with a strong street atmosphere, and the other was a middle-aged man who looked like a dog and looked more mature.
"These are the three protagonists of our new game."
Lin Yao handed the other two original paintings to Mu Wanqing: "I plan to make a story about Vice City..."
"Why do you suddenly want to do this kind of subject matter?"
Mu Wanqing took the original painting, flipped through it, and then looked at Lin Yao's profile and asked in confusion.
"The expansion speed of our mobile phones overseas is still too slow."
Lin Yao raised her snow-white chin and replied with a smile: "Mobile phones will slowly iterate and it is estimated that they will also occupy a place, but it is estimated that it will take several years... At this time, since our Linmu Studio has the ability, we might as well play to our strengths and speed up the process!
And a game that can be very popular in Europe and the United States, and may even become a phenomenon, and can advertise our mobile phones at any time... is the best choice!"
"..." Mu Wanqing found that in the original painting, the three characters were holding Future S1, and she could probably understand what Lin Yao said.
"In addition."
Lin Yao continued: "Miss Mu, please ask the heads of the two first-party studios, Conglong and Xihan, to come to the headquarters. Although this game is the best choice, it is too difficult to produce and the cycle is too long. Before that, we can use some small-scale games to insert Future S1 to continuously impress users..."
...
Linmu Studio did not accept any invitation from any financial institution for negotiation.
Instead, under the leadership of Lin Yao,
it began to prepare for game output advertising and new product launches.
But Linmu Studio was not interested and rejected all of them, which does not mean that other third-party payment platforms will also refuse.
What is coming is still coming.
Seeing that conventional channels cannot surpass Youmei, which is now the king,
many third-party payment platforms have begun to find another way and turned to revenue.
In short, it is no longer blindly pursuing market expansion, but focusing on making money.
After all, no matter how much the market is expanded, it seems that it can't beat Linmu Studio's WeChat.
It's better to find a way to make a profit first and recover the money invested before.
Once this idea comes.
Then the proposals of financial institutions will become very tempting...
Small loans
have begun to appear on third-party payment platforms one after another.
The application conditions are simpler than those of banks.
But the interest rate is much higher.
When it comes to money, the market is huge...
And the too simple conditions
make many users ignore the risks.
Financial business makes money, of course,
but it also breeds chaos.
Moreover, the financial-related industries on third-party platforms are developing much faster than mobile payments.
Once it is found to be profitable,
as long as the third-party payment platform has existing users, it does not have to worry about money at all.
This also leads to almost no entry barriers.
If you want to be a third-party payment platform, you still need to compete with Linmu Studio's WeChat for creativity and innovation.
But to do this kind of business,
you only need an eye-catching advertisement and a simple application condition... This has led to more and more
third-party payment institutions entering the market. Even Tianhu has joined in. At this stage, users cannot say that this kind of financial products are full of bad reviews. It can only be said that half of them are good and half of them are bad. It is still difficult to say whether it is bad or not. This has also become a catalyst for the development of the industry to some extent. More companies have joined the game. However, the largest third-party payment institution on the market, Linmu Studio’s WeChat, remained silent and had no intention of joining the game. It was exactly the same as the previous battle of cooperative card promotion. It looked like it was not interested at all. However, this time, many peers have learned their lesson. Basically, no one thought so.
Instead, they began to worry whether Linmu Studio was going to launch another sneak attack.
Even though.
Many heads of financial institutions revealed that Linmu Studio did not even let anyone see them.
But most competitors were still nervous.
The funds held by Linmu Studio itself were even more exaggerated than those of some financial institutions!
This could not be used as evidence at all!
Therefore, while they were fighting in the new market, they also began to guard against sudden attacks from Linmu Studio...
It seemed that they all had psychological trauma.
And in this situation.
The chaos is getting worse and worse...
Two thousand are missing. I don’t know if I was infected or caught a cold. Since yesterday, I have had signs of a slight fever. I feel weak and can’t lift my strength. It’s so uncomfortable...
Sorry...
(End of this chapter)
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