The Internet is constantly evolving, and our acceptance of him is getting higher and higher. From the initial curiosity, to the slow acceptance of him, and the rational use of it, under the influence of the Internet, there have been many Internet companies and products, which are enough to change our lives. The way we spend has also undergone a big shift, from paying with cash to mobile payment, mobile payment allows people to pay without bringing money, just with a mobile phone. Wherever we go, we see stores using mobile payments, and we're good to go.
▲Mobile payment
Borrowing and flowering
There are many mobile payment methods now, and the most used are WeChat and Alipay. After all, WeChat is a chat software, its functions are less than Alipay's functions, Alipay's functions are often used by people, such as borrowing and huabei. Borrowing is when people are very short of money, borrow money from the platform, and then have to pay all the money back within a period of time, which is very suitable for people who still have a few days to pay. Huabei is the most familiar product for young people, and the number of users of the product should be the largest.
▲ Borrow
Huabei allows people to consume in advance, and we use the product to buy goods in the same month and repay them the next month. If it cannot be repaid at one time, it can be repaid in installments. However, if we repay it in installments, there is interest, and the longer the installment time, the more interest will be totaled. In addition, Huabei also has a quota, his quota is adjusted according to our consumption level and repayment degree, according to the conventional operation, his quota has been rising, but last year, there should be a lot of people's quota reduced to a thousand yuan, which should be the platform in order to prevent people from spending money, owed a lot of money without repaying the reduction of events.
▲Ant flowers
New feature: Fa Bao
In addition to the above two functions, the platform has launched a new function that is different from them, and the product is ▲ Fabei. You should not have heard of Fa Bao, right? So what exactly is Fabei? The function of FaBei is that people can use him for a reasonable allocation of funds, and the main applicable group of people is the boss of the company. Bosses can use this feature when they are paying their employees. There must have been a reason for him to launch a feature, and their reason for launching this feature is very simple, that is, to consolidate the activity of the platform.
▲Hair
Whether there is an impact on the bank's business
Some of the functions pushed out by Alipay can be said to replace part of the bank's business. Borrowing is borrowing money, and banks can also borrow money, but the interest rate of borrowing is relatively low, and people can also not go to the bank, directly on the mobile phone. And Huabei has replaced the function of credit cards, people will no longer want to apply for credit cards after using Huabei, the impact of these two products on banks is still very large, after all, in the eyes of banks, their business is less than a part. So what is the impact of the appearance of the place on the bank's business? The emergence of Fabei has broken the monopoly of banks on corporate companies, and some small and medium-sized enterprises do not have to go to banks to pay salaries to employees, and they obviously have better choices.
▲ Banks
Summary: The emergence of Alipay has indeed brought us a lot of convenience, and he has been constantly improving and launching new features to increase the number of users and make the platform more active. Some of the features launched by Alipay will also have a big impact on banks, which is also an opportunity and challenge for banks, and banks will become better and better.