“The money deposited in Yu’e Bao can be transferred out and spent at any time without affecting the interest growth on the balance.”
“When you need to make a purchase, you can also directly chat to pay and Yu’E Bao will deduct the money.”
"For the remaining balance, interest will continue to be calculated for everyone on a daily basis, and the interest will be credited to your account the next day."
"To put it bluntly, Yu'e Bao is a current financial management model, which provides super-regular financial management income."
“Let everyone’s balance and spare money earn higher interest.”
Hearing this, everyone was very excited, this was a new thing.
But some people are worried.
Wang Yi continued: "Some users may be worried about the security of Yu'e Bao, but there is no need to worry in this regard."
"There are two security issues that everyone is concerned about. One is Yu'e Bao's financial management. Will there be losses?"
Everyone nodded.
Wang Yixiao said: "Yue Bao's default financial products are mainly R1 low-risk monetary funds. They generally will not lose money and have no history of losses unless there is an extreme situation that is rare in a century. But everyone knows that,
The possibility is very low."
In the early days, Yu'e Bao only had monetary funds, and the interest rate was low, only around 3.00 points. In ten years, it will drop to 1.00 points.
The interest rate is low but stable. It is considered the lowest-risk financial fund and has never suffered a loss.
In the future, other funds with medium risk or even high risk will be launched, with proper medium to high risk and medium to high return.
However, the risk level and purchase reminder will also be marked, and users can make choices based on their own circumstances.
Before buying, a risk level assessment will also be conducted.
This is the same as the financial management of Yu'e Bao, WeBank, and major bank APPs in the previous life.
There are low-risk currency funds and other funds with medium-to-high risk.
"The second issue that everyone is worried about is whether the money stored in Yu'e Bao will be stolen or stolen?"
Wang Yi continued: "Don't worry about this at all. Yu'ebao needs to set up a bank card in your name as a security card. Subsequent withdrawals can only be made to this unique security card and cannot be withdrawn to other people's bank cards.
.”
Hearing this, everyone was completely relieved.
It cannot be withdrawn to other people's bank cards, and it will be difficult to get stolen.
The reason why Wang Yi restricts direct withdrawals from Yu'e Bao to other people's bank cards is to increase security and eliminate public concerns.
As the first online financial product, it will inevitably be questioned.
The safer, more cautious, and more conservative the function is, the more supported it will be by users.
"Of course, if you need to transfer money to someone else's bank card, you need to first withdraw the money in Yu'e Bao to your own security card or Changchat balance account. Then use Changchat's transfer function to transfer it to other people's bank cards."
Wang Yi continued: "The above operations, whether it is cash withdrawal or transfer, require fingerprint or password or SMS verification to eliminate hidden dangers."
"At the same time, you can also set a limit for the amount of money transferred to other people's bank cards."
“We have also purchased a million-dollar property safety insurance for every Changliao Pay user, so that everyone is completely worry-free!”
"In addition, there will be no handling fees when transferring money to your own bank card or transferring money to other people's bank cards through Changchao, whether it is the same bank or across banks, the same region or across regions!"
Applause resounded throughout the audience, and the barrage became lively:
"There is no handling fee for inter-bank and inter-regional transfers? Is it true?"
"Of course it's true. Changchat transfers have always been free. I've been using it for several months."
"The most important thing is that the interest rate of Yu'E Bao is high. The money you usually spend cannot be deposited on a fixed term, and the interest rate during the lifetime is 0.35%, which is almost nothing. If you deposit Yu'E Bao, the interest is 3.81%, which is higher than a two-year fixed term!"
"The only safe card, transfer limit limit, millions of safety insurance, Yu'e Bao gives you a full sense of security."
“It’s safe and has high interest rates. If you have spare money, you can get higher interest rates. Yu’E Bao is a magical tool for financial management!”
“Then from now on, I will use Changchao to pay for transfers and use Changchao to pay for financial management.”
…
There are no surprises, the chat function of Yu’e Bao is also a huge success.
Guaranteed principal and interest, high security, million-dollar property insurance, and zero transfer fees!
Every item is awesome!
"This press conference has been successfully concluded." Wang Yixiao said:
"Xphone 2pro, Unbounded Smart TV A40, and A50 are all fully online and fully stocked. Welcome to buy."
"In more than 210 cities where Ele.me is available, xphone 2pro can place orders online and have takeout delivered to your door within one hour."
"You can also order Unbounded Smart TV A40 and A50 online, and our technicians will make an appointment to deliver and install them at your doorstep!"
"Thank you all for watching the Spring Conference of Xingyi Technology and Unbounded Technology."
"Thanks."
Just when Wang Yicai was about to leave, Song Sining's words sounded in the headset. Wang Yicai said with a smile:
"I just received the news from the backstage director that the current sales of xphone 2pro across the entire network have exceeded one million!"
"More than 100,000 people have received the new Xphone 2pro in offline stores or door-to-door delivery by delivery riders."
"There are still more than 300,000 xphone 2pro units on the way to be delivered."
"And more than 500,000 xphone 2pro units are being shipped out of the warehouse!"
"This is the efficiency of our Xingyi Technology!"
The barrage completely exploded:
"Holy shit! The press conference is not over yet, more than 1 million units of xphone 2pro have been sold? Even more than 100,000 people have received the phone?"
"Crazy, so fucking crazy."
"I have received my xphone 2pro. Five minutes ago, the guy from Ele.me delivered it to my door. I was shocked. It was so fast."
"What about SF Express, what about JD Logistics, and the delivery guy from Xingyi Technology is YYDS."
"This is a million sales? It feels like tens of millions of stocks are not enough to sell."
"The world's first mobile phone with light-touch fingerprint unlocking and the world's first mobile phone with fingerprint payment. It's hard not to buy it."
"I was most worried about someone seeing my payment password and unlocking password. It's okay now. I've placed an order for xphone 2pro. From now on, I will unlock and pay with my fingerprint!"
"Xingyi Technology is once again leading the new era. It's hard to say if we have tens of millions of xphone 2pro in stock. It is estimated that the 32G model may be out of stock. Get started as early as possible, buy early and enjoy early."
…
The 16G version is too expensive, the 64G version is too expensive, and the 32G version is still the best-selling one and the most likely to be out of stock.
Among the tens of millions of units in stock, 32G accounts for 5 million units.
The remaining 16G is 2 million and 64G is 3 million!
At this point, the press conference has completely come to an end.
The crazy sales of xphone 2pro and unbounded TV have just begun.
Looking at the surging sales data in the background, Wang Yi and Song Sining were both delighted.
Especially the price of Unbounded TV A40, 2999, which is so cheap these days.
Its impact is no less than that of the 999 Redmi phone.
No way, in 2013, many people still had backward non-smart TVs in their homes, even 25-inch or 29-inch TVs with large backs.
All need to be replaced with a large-screen LCD smart TV.
It's just that the price was expensive before, and the non-intelligent ones cost three to four thousand, or even four to five thousand.
Nowadays, the Unbounded Smart TV A40 is priced at RMB 2,999. It also provides video membership and has opened sales outlets and after-sales outlets in towns and villages.
That was just a timely sign, and it wouldn’t be normal if it didn’t sell out.
For this reason, Unbounded TV A40 and A50 are also in stock in large quantities.
"Si Ning, are the distribution and promotion of Unbounded TV in place?"
"Don't worry, Chairman, everything has been arranged."
Saying that, Song Sining handed over a Xingyi tablet: "This is our stocking arrangement."
Wang Yi took a quick look and found that in rural areas, Unbounded TV has a stocking ratio of A40 and A50 of 8:2.
Urban Unbounded TV A40 and A50 stock ratio is 6:4.
Wang Yi was very satisfied: "This ratio is very good and completely in line with the current economic situation."
People in rural areas have limited purchasing power, and many people don’t bother to buy it. They only watch cable TV, and the A40 is more than enough.
Users in urban areas are more pursuing performance and experience, so the sales of the A50 will not be bad.
But the one that sells more in urban areas is still the A40.
Cheapest first.
Just like the Xiaomi TV in the previous life, how popular is it?
In rental houses, shops, canteens, hospital infusion halls, etc., they are all equipped with Xiaomi TVs.
Not because it’s great, just because it’s cheap!
The same is true for the Unbounded A40. The price of 2,999 is completely ridiculous.
Song Sining continued: "Don't worry in the city. It's hot enough. All stores are busy. It's estimated that they will be busy until eleven or even twelve o'clock tonight."
"In rural areas, people have less access to the Internet and know less about our press conference, so I have arranged a new marketing strategy."
Saying that, Song Sining showed Wang Yi one by one:
"First, store marketing."
"Hung banners in all Xingyi stores. Posted POP posters on the main streets to promote a 40-inch Unlimited Smart TV for only 2,999!"
"Second, it's okay for people who are illiterate. We have Xingyi Audio Pro as standard at the entrance of our stores, which plays looped voices to promote Unbounded TV A40 and A50. Anyone who passes by will be shocked and introduced to the store."
"Third, the store displays multiple Unbounded TVs A40 and A50, and the shopping guides have also received professional training to introduce them to users and complete transactions."
"Fourth, we also printed a lot of leaflets to vigorously promote our Unbounded TV A40, A50, Xingyi TV, Xingyi mobile phone, etc. The prices are clearly marked and the contact information is left. People can consult at any time."
"Fifth, after these few days of busy work, I plan to ask the store managers and deliverymen of the township stores to directly drive a small box of goods and pull a cart of Unbounded TV A40 and A50 to the countryside. They will use a loudspeaker to shout and go to the village stores.
goods!"
“Firstly, you can come to your door to promote it, and secondly, if you want to buy it, you can place an order on the spot, and it will be delivered to your doorstep for installation on the spot!”
"Very good, these points are all good, very good." Wang Yi nodded repeatedly: "Especially the last one about going to the countryside to sell goods!"
Urban areas have their own marketing strategies, while towns and cities have their own promotional methods.
In 2013, only 90% of villages across the country had access to the Internet, and less than 10% of ordinary people had broadband installed at home.
It is unrealistic to expect them to go online and watch the live broadcast of Xingyi Technology's press conference.
Instead, hand out flyers, shout through loudspeakers, and go to the villages to sell goods!
This is the best way.
Although it is crude, the effect is good.
Xingyi Technology is now very well-known in urban areas, but its popularity in rural towns is still limited.
It can only be advanced in this way.
It may be a little troublesome in the early stage, but as long as the situation is opened up and Xingyi Technology and Wujie Technology become brands trusted by ordinary people, it will be completed.
From now on, when people in villages and towns want to buy anything, they will first go to the Xingyi store in the town.
It is precisely for this reason that Wang Yi opened after-sales service centers in villages and towns.
First, come and repair Xingyi Technology and Wujie Technology products.
Secondly, we also repair products of other brands.
By repairing products of other brands, ordinary people will be exposed to Xingyi Technology, and they will become Xingyi Technology users in the future.
The simplest thing is that the 35-inch LCD TV in ordinary people's homes is broken. When Xingyi maintenance engineers check it, they find that the screen is broken. It costs 1,500 to replace the screen, which is meaningless.
Why not take a look at our Unbounded Smart TV A40, a brand new smart TV, 40 inches, only 2999!
As you can imagine, the result is that you will most likely place an order.
The same is true for the next mobile phone. If it breaks down, the repair cost is too high, and the phone is too laggy... How about replacing it with the Unbounded Mobile Phone A1, which only costs 999!
When doing marketing, the most important thing is to become one with consumers.
In this way, sales will not be a problem.
Once a user buys one or two Xingyi Technology or Wujie Technology products, they will fall in love with this brand and will also buy air conditioners, refrigerators, washing machines, etc. in the future.
Although Xingyi Technology does not make refrigerators, washing machines and other products, there is no shortage of them in the Xingyi Smart Home industry chain.
For example, Liu Zhuang Lao Li came to the Xingyi store in the town and needed to buy a refrigerator.
After understanding the other party's needs, the shopping guide of the Xingyi store immediately recommended several products from Midea, Haier and other brands under Xingyi Smart Home.
If there are no samples in the store, we will show and explain them through videos and picture books.
Lao Li felt satisfied, negotiated the price, placed the order in the store, and entered it directly into the internal system of Xingyi Mall.
Shipping from warehouses near Haier and Midea, door-to-door delivery.
Such a transaction is an order from Xingyi Mall, and Xingyi Mall can earn about 10% profit.
For a refrigerator costing RMB 4,000, Xingyi Technology can earn 400 yuan.
Haier and Midea are responsible for delivery, delivery and after-sales service. Xingyi Technology is only responsible for placing orders and has 10% of the gross profit. This is the benefit of being a platform.
It is precisely for this reason that Xingyi Technology will not make any home appliances in the future.
On the contrary, the development of Douyin Mall into a comprehensive e-commerce is the main core.
Focusing on villages and towns and combining online and offline is also a major strategy of Douyin Home Appliances.
These days, there is no shortage of major appliances in the city. In addition to buying a new house, you need to buy a full set of appliances, and there are few other replacement appliances.
Towns and villages are different. In 2013, many households in towns and villages had not yet begun to purchase major appliances such as air conditioners, refrigerators, and smart TVs.
Even the washing machine is a relatively backward pulsator type washing machine, even the one without spin dryer.
Therefore, the consumption potential of large household appliances in rural areas is also very high.
Especially TV.
City people have various forms of entertainment. After many years, many city people no longer watch TV.
However, people in rural areas have few entertainment options, and they are tired from farming and moving bricks. When they get home at night, drinking wine and watching TV is their only pastime.
It can be said that the most important sales market for TVs in the future will be in towns, not urban areas!
The layout of stores in villages and towns, coupled with Song Sining's publicity and promotion measures, can completely open up the situation in villages and towns.
In the future, I am afraid that many people going to the market will run into the Xingyi store and place orders to buy various home appliances.
"Also, we can also strive for follow-up subsidies for home appliances sent to the countryside."
Wang Yi urged: "We cannot always subsidize some outdated junk products to be sent to the countryside. Our high-quality new products can also be included in the subsidies for home appliances to the countryside."
"Okay, I'll make arrangements for this." Song Sining responded.
Now that the urban market has been fully opened, if the township market is opened next, it will be completely stable.
Xingyi Technology is in a good situation. Sales of xphone 2pro and Unbounded TV have exploded across the board.
Even Unbounded Cool Run has become a hot search topic, and downloads have surged.
The number of Yu'e Bao users and deposit amounts are also increasing rapidly.
But Alibaba was in a gloomy mood and had to convene a high-level meeting again.
Jack Ma's face was cold: "Xingyi Technology is really amazing, one set after another."
"As soon as we copied out the red envelopes and talked about them, they introduced fingerprint payment and Yu'E Bao."
"With such high efficiency, it feels like we are riding bicycles and Xingyi Technology is driving a sports car."
"We just turned the corner and the people disappeared, leaving a trail of exhaust fumes."
The senior executives were collectively silent, but had to admit that this was the fact.
"What do you think?" Jackma asked.
Liu Quanxin, the person in charge of Alipay, was the first to speak: "Yue Bao is a good thing and we have to develop it as soon as possible. It is not only related to the scale of users, but also profitability."
Vice President Mo Yi also agreed: "Yes, other businesses will not be profitable in the short term, but Yu'e Bao will be profitable as soon as the function is launched. And it will be profitable in many aspects."
"First of all, interest income. The money deposited by users can achieve an interest of about 7% through the operation of Yu'ebao, and 3.8% interest is distributed to users, and the remaining interest of about 3% becomes Changchao's profit."
"Second, management fee income. If a fund company wants to launch Yu'e Bao, Changliao will charge management fees in proportion to cover operating costs and still have some profits left."
"Third, sales service fees. For currency funds sold on the Yu'e Bao platform, the fund company also has to pay sales service fees to Changchao. It is similar to Taobao's through-train promotion fees."
"It can be said that Yu'e Bao is a great invention, and it will definitely make a lot of money. If we launch it, we only need to pay a little operating expenses, and we can also earn part of the interest income from users, the management fees of the fund company, and the sales and service fees of the fund."
Jack Ma nodded: "You're right, no matter what, we must develop the Yu'e Bao function as soon as possible and put it on the market as soon as possible."
Mo Yi continued: "The function of Yu'E Bao is not a big problem. We can just copy it and change the name. The trouble is fingerprint payment!"
Liu Quanxin, the person in charge of Alipay, looked very ugly: "President Mo is right. Changchao Pay and xphone 2pro have launched fingerprint payment. If everyone uses Changchao's fingerprint to pay, then our Alipay will be in big trouble."
"The simplest thing is that for every xphone 2pro sold, there will be one more loyal user of Changchao Pay, and one less loyal user of Alipay!"
"And in order to experience fingerprint payment, many people will buy Xphone 2pro, give up Alipay, and become Changchao Pay users!"
"The scale, based on the sales of xphone 2, will exceed 80 million people!"
"We're in big trouble!"
Mo Yi nodded: "What's even worse is that we can't even chase him!"
"Fingerprint payment requires cooperation between payment companies and mobile phone manufacturers. Xingyi Technology has mobile phones and Changchao Payment, so it is not difficult to start fingerprint payment."
"And we at Alibaba don't make mobile phones, so we can't do fingerprint payment at all!"
"I can only watch helplessly, being beaten crazily by Xingyi Technology's fingerprint payment."
"This..." Jack Ma was silent.
Yes, Yu’e Bao can be copied, but how to make fingerprint payment?
You don’t even have to copy it!
"We can cooperate with mobile phone manufacturers to jointly launch fingerprint payment!" A senior executive couldn't help but say.
Liu Quanxin shook his head: "It's no use! Currently, only xphone 2pro supports fingerprint payment, and other mobile phones don't even have fingerprints. It's difficult for us to cooperate!"
"this……"
The man was desperate, and all the senior officials were helpless.
Dark clouds enveloped the entire Ali.
As Liu Quanxin said, to make fingerprint payment, you must have a fingerprint-unlocked mobile phone.
But so far, other brands of mobile phones do not support fingerprint payment.
Jack Ma's expression was extremely gloomy: "Compared to Changchao Pay, we already have fewer Alipay users. Now that Changchao has launched Yu'ebao, it can steal more users."
"Now that fingerprint payment is online again, it still has a monopoly function. As a result, Alipay is completely in trouble."
“I’m afraid I’ll never be able to catch up with Changchao Pay.”
“We can only rely on Taobao users to maintain our final dignity.”
Mo Yi shook his head: "Chairman, Taobao may not be able to maintain its last dignity."
"Now that Tencent Online Shopping and other e-commerce platforms are rapidly rising, Taobao's users are also declining."
"Especially since we blocked Changchao Payment, many users have given up on Taobao and chosen other e-commerce platforms that support Changchao Payment."
“If we continue to block Changchao Payment, it’s hard to say whether our Alipay users will increase, but Taobao’s users are losing!”
"This..." Jackma's expression changed drastically.
When using Taobao to compete with Changchao Pay, will the end user choose Taobao and give up Changchao Pay? Or will they choose Changchao Pay and give up Taobao?
Jack Ma lost confidence in this question.
After all, there are so many e-commerce platforms. You don’t need Taobao, there are more than ten platforms to choose from.
In order to grab users, the major platforms are busy selling products, and each one is cheaper than the other one!
But there is only one payment method as powerful as Changchao Pay.
Even Alipay can't compare, and it's even boycotted by users.
If this ban continues, it is estimated that it is not Changchao Pay that will suffer heavy losses in the end, but Taobao!
Mo Yi continued: "I suggest asking for peace with Xingyi Technology, Taobao, and Tmall reconnecting to Changchao payment, and Alipay adapting to the fingerprint payment of xphone 2pro!"
"What? Let us, Alibaba, bow to Xingyi Technology and ask for peace?"
"Are you crazy?"
Before Jack Ma spoke, the other senior officials couldn't sit still.
Even Liu Quanxin has some doubts:
"How can we Ali lower our heads and bow to Xingyi Technology for peace?"
"Don't you even want to lose face?"
"That's right, President Mo, what do you mean by this?"
Everyone spoke one after another, and even Jack Ma looked over with a complicated expression.
Mo Yi sighed and said calmly: "Living is more important than face!"
“If we continue to block Changchao Payment, do you know what the consequences will be?”
"What are the consequences?" Liu Quanxin said casually.
Chapter completed!