"Online banking payment will be eliminated? Why are you so sure?"

When Zhang Lei heard Yang Xiao's words, he did not refute. Instead, he looked at him curiously, waiting for his opinion.

"Haha, the most common scenario for online banking now is for shopping on Alibaba's Taobao. The relationship between them is that the former depends on the latter. Now that Alibaba has obtained the payment license, it will definitely promote its Alipay. Therefore, the consequence of online banking is that it will be eliminated. Where else can it go?"

"But now other software also cannot do without online banking. It's too early to say it's being eliminated."

"Well, it's a little early. Online banking should still have a few years of life left, but not much."

Yang Xiao spread his hands, and there was some black humor in what he said. "Also, Mr. Zhang, don't forget that online banking is now used in other software for another reason. That's because they haven't yet connected to Alipay's payment channel, and users have no choice. By then, perhaps the situation will be completely different."

"I see. This seems to be the reason why your [Food Benefit Group] chose to cooperate with Alibaba."

Zhang Lei nodded and added, "In fact, Tencent and Alibaba's payment licenses were obtained at the same time. You should know that, right?"

“Well, I’ve always known that Tencent’s Tenpay actually has a high user activity rate, but its payment system is still mainly used for value-added services such as game Q coin recharges. The target audience is too limited, and even the usage scenarios are relatively simple.

Unlike Alibaba, which relies on a huge e-commerce user base, they cannot afford to abandon it. These users have the ability to consume, and now that they have switched to [Food Benefit Group], they can not only help with early promotion, but also form an effective user conversion rate. "

"Yes, you hit the nail on the head. Alibaba's e-commerce is the only dominant player right now. This user group has been proven to have mature and stable spending power. This is Tencent's current disadvantage."

"Haha, among the projects that Tencent failed to imitate, e-commerce is also a big Waterloo. Of course, in my opinion, Lao Ma is still better in this regard."

The reason why Yang Xiao agreed to Alibaba's financing was to gain access to Alipay's payment channel.

[Shihuituan] is a platform for group buying of restaurants and ordering takeout meals, and is categorized under "life services," which is the same type as "e-commerce." It is mainly aimed at serving the general public, so naturally it serves the most convenient way possible.

There is no benefit for him to cooperate with Tencent. Is it necessary?

Most of Tencent's user groups are minors, and are not the target users of the Food Benefit Group.

As for using existing online banking payment as an interface?

This thing has been explained before, and you have to go to the bank to apply for it before you can use it!

Although the procedures are not complicated, it is just like many students who stay in the school dormitory on weekends. Even if there is a cafeteria downstairs, they would rather order takeout than go downstairs!
They really find it troublesome and are too lazy to handle it!

The original intention of using [Food Benefit Group] was to order takeout, but they were stuck at the payment stage.

Many users are being shut out invisibly. Isn't this discouraging people from using the service?
So, it is so convenient to use Alipay.

Just bind the card through an APP and you’re done. It can also bind the users!

Nowadays, the convenience of APP is also a huge highlight!

What's more, Alipay is still doing crazy ground promotion. Many ground promotion personnel are promoting it all over the country, laying out payment codes for merchant channels, attracting new users, asking new users to download Alipay, and combining it with various "discounts for payments over a certain amount" and "red envelopes for inviting new users". The benefits for new users are overwhelming!

As the number of Alipay users increases, there will definitely be more users of [Food Benefit Group]!
Speaking of which, it can be said that Yang Xiao took advantage of Alibaba a lot by bringing in Alibaba for financing!

Moreover, Alibaba’s Alipay promotion activities have been going on for several years!

Later on, the real purpose of “collecting five blessings” and giving out red envelopes was to promote Alipay, attract new users and increase user stickiness.

Therefore, the integration of [Food Benefit Group] into Alipay is a win-win situation for both Alibaba and Yang Xiao!
As for Tencent's Tenpay, it has always been rather laggy.

Why did Yang Xiao choose it?

Even though it obtained the payment license at the same time as Alibaba, there was not much improvement at all.

It was only later that it made a comeback with the help of WeChat Pay.

Even for WeChat Pay, Tencent spent a lot of money on promoting it.

Just the daily discounts from scanning codes is a huge expense!

This is called burning money!
Zhang Lei understood Yang Xiao's explanation and said, "You don't need to say more. Your strategic plan is correct. What I mean is that if you want to cooperate with Tencent, I can act as a middleman to help you build a bridge."

Yang Xiao smiled and said, "Then I'd like to thank you Mr. Zhang for your kindness in advance."

"No, in business, cooperation leads to win-win results."

Zhang Lei let out a long sigh at this time. In fact, Tencent has also engaged in e-commerce and competed with Alibaba in all aspects.

At that time, their e-commerce platform was called PaiPai.com and the online payment platform was Tenpay. Later, this business was fully acquired by JD.com.

Then it was cut off by JD.com.

Speaking of which, Tencent is also one of the major shareholders behind JD.com.

The purpose is to compete with Alibaba in the e-commerce field.

Although Tencent failed, it never gave up on this market.

Today, the two largest Internet giants in China are Tencent and Alibaba, followed by Baidu, and then NetEase and Sogou.

The rise of all new industries is basically the result of the planning and planning of the top three companies.

Take the takeaway market in the previous life as an example.

In its previous life, Meituan was the winner in group buying. After merging with Dianping, it started to enter the food delivery business and had the last laugh.

However, the rise of Meituan is inseparable from the shadow of Tencent and Alibaba, and it has received investments from these two companies.

However, in this wave of confrontation, Alibaba originally wanted to acquire Meituan, but this aroused Wang Xing's fear, so Alibaba was kicked out by Wang Xing and lost.

But Alibaba did not completely admit defeat. Instead, it turned to invest in Ele.me, and the two companies continued to compete in the food delivery market.

Even Baidu, the third largest player, wanted to join the game and launched Baidu Nuomi Takeout.

Except for the food delivery platform.

There are also music players - Tencent has QQ Music, Alibaba has Xiami Music, and Baidu has Baidu MP3.

And video platforms - Tencent has Tencent Video, Baidu has iQiyi, and Alibaba has Youku.

It even involves e-commerce, shared bicycles, gaming, and so on. Behind all these industries, there are always these giants.

It's all crazy competition!
Of course, this is also what the country intends to do, which is to prevent one company from dominating the market and to prevent monopoly.

They are competitors of each other, and the hatred between Tencent and Alibaba is growing.

The famous "Dongxing Dinner" in later generations can explain a lot of things.

All the Internet giants are present, why is Jack Ma the only one missing?
It's because we can't get along!

Yang Xiao smiled and said, "Mr. Zhang, I know your relationship with Tencent. Mr. Ma Huateng is also my schoolmate. If we meet, I have to call him senior brother. If possible, I will of course support my senior brother. He is my idol."

Zhang Lei said, "Okay, your company addresses are both in Shenzhen, so there will definitely be opportunities for cooperation in the future, so let's talk about it when we have the chance." "Mr. Zhang, actually, I have another project in hand, and I hope you can help me build a bridge with Tencent."

"Oh? What project? If it's a WIFI master key, they should be very interested."

“Haha, WIFI Master Key has no plans to raise funds for the time being. What I want to talk about is a mobile game.”

"mobile game?"

"Yes, Mr. Zhang should know about the current smartphone market. I am working with [Yinhan Technology] to develop a mobile fighting game. I guarantee that it will be a hit! If we work together with Tencent, the daily revenue may not be lower than any of his current online games!"

After hearing Yang Xiao's description of [Time and Space Hunter], the assistant next to Zhang Lei also gave him some basic information about the hit mobile game [Train Surfers] at the beginning of the year.

He didn't have much room to doubt Yang Xiao's words. After thinking for a while, he asked:
“How do you want to cooperate with Tencent?”

"I am willing to sell 20% of [Yinhan Technology]'s shares to Tencent based on the current market value. We will jointly operate this game. Tencent only needs to provide a game registration interface for [Time and Space Hunter], and the login method is to log in directly with a QQ number, and it can be incorporated into the QQ icon."

"20%? The game login interface is through QQ? Good fellow, Mr. Yang, you have quite an appetite."

"Hehe, this is called win-win cooperation." Yang Xiao smiled shamelessly.

"Okay, I will help you convey your conditions. As for whether it will succeed or not, I can't guarantee it." Zhang Lei nodded.

Seeing this, Yang Xiao smiled and said, "Okay, Mr. Zhang, I'm just offering a cooperation plan. It doesn't matter whether they adopt it or not. I'll be satisfied if you can help me convey my message to them. At the same time, we welcome people from Tencent to come to Yinhan for inspection. I believe they will be surprised."

Yang Xiao had already discussed this matter with Liu Yong in advance.

In the previous life, [Time and Space Hunter] could earn hundreds of millions in net profit every month just by relying on the small promotion of [Yinhan Technology].

If we cooperate directly with Tencent and increase promotion efforts, allowing QQ users to log in directly without registration, the number of users is expected to increase several times!
Of course, even if this doesn't work out, Yang Xiao is not worried at all.

Anyway, after this game is launched, he will still follow the original plan and take advantage of the popularity of DNF.

If Tencent agrees to cooperate, the soft article of the water army will be written like this: [The mobile version of DNF is officially launched, light up the icon to get a generous gift.]

If Tencent doesn't agree, then let the Internet trolls write their own negative news: [It is suspected that the mobile version of DNF is online, and there will be a lucky draw to give away luxury gifts.]

Yang Xiao has already mastered these routines.

Even if they hire some internet trolls to fight and call their company shameless, it doesn’t matter.

As for the popularity of the game, just make the most of it. Shameless traffic is still traffic!
However, he still hopes to work with Tencent so as to maximize his benefits.

"Tencent has not made any major breakthroughs in mobile games. I will try my best to facilitate your cooperation intention, but 20% of the shares is a little too little."

"We can discuss the amount of shares."

"That's good. In fact, compared to mobile games, I am more optimistic about your other project." Zhang Lei smiled meaningfully at this time.

Yang Xiao also smiled: "You are talking about the WIFI master key, right?"

"In fact, I am very curious. Do you have no plans to raise funds for your WIFI Master Key? Don't you want to develop faster?"

"Mr. Zhang, the growth rate of WIFI Master Key is not slow. Currently, all its advertising revenue has been invested in increasing the number of new users. No matter how much more money is injected into it, it won't be able to grow much faster."

What Yang Xiao said is true. The current advertising revenue of WIFI Master Key is terrifying!

But Yang Xiao did not share any dividends, instead used the money to promote users again.

As a result, the cake of WIFI Master Key is getting bigger and bigger. This is also another purpose of Zhang Lei coming here in person today. Now the truth has finally been revealed.

"Mr. Yang, there is actually a huge market behind this software. Have you ever thought that it should not just be a tool for connecting to WIFI?"

"I understand what you mean, Mr. Zhang. In fact, I know its value better than anyone else. If it opens a sidebar for group buying, it can be used for group buying. If it opens a sidebar for e-commerce, it can also be used for shopping. It can become any tool."

"Haha, it's easy to deal with smart people. Mr. Yang is worthy of being the founder of WIFI Master Key. The product positioning is so clear."

"But I'm sorry, Mr. Zhang, now is not the right time. Whether it's e-commerce or group buying, as long as I want to conquer the city, they can't stop me."

Yang Xiao said this very arrogantly. He knew he was bragging, but Zhang Lei and Zhang Lei's assistant believed it.

Because they have conducted a survey and found that the first thing WIFI Master Key users care about as soon as they turn on their mobile phones is to search for whether there is any WIFI that they can connect to nearby!

In other words, the first APP they used and the first APP they stopped at was WIFI Master Key.

Building e-commerce and life services from this platform has inherent advantages!
However, he couldn’t understand why Yang Xiao wasn’t in a hurry at all.

"Mr. Zhang, wait a minute. When I need money, I will come to you first."

"Then I'll wait and see."

Yang Xiao is pretending to be big this time, but in fact he has a lot of grievances to overcome.

Because he knew better than anyone that now was not the right time.

Don't underestimate him. He dares to talk about getting involved in e-commerce, group buying and other things.

But if you really touch the reverse scale of Alibaba and Meituan, you will inevitably suffer a severe blow!

At present, he is still leading the pack in this track!

There was a bunch of 360 keys following him, gathering dust.

No one can compete with him!

Isn't it good to have a stable development?
Wait until you become strong enough to grab a few big ones. That is better than anything else!
About a week later, with Zhang Lei acting as the middleman, Tencent people took the initiative to contact Liu Yong and made contact with Yinhan Technology.

Tencent eventually acquired 1.5% of the equity of Yinhan Technology with 30 million yuan.

The final shareholding ratio is: Yang Xiao 35.7%, Liu Yongfang 34.3%, and Tencent 30%.

According to Yang Xiao’s previous plan, the two parties reached a cooperation agreement.

The main reason is the great success of [Train Surfers] and [Carrot Protection] that caused the market value of [Yinhan Technology] to soar.

Yang Xiao earned tens of millions of dollars, and now he has earned back the money he spent on acquiring Yinhan more than half a year ago, including the principal and interest.

But after going around in circles, Tencent finally got involved.

But the biggest winner is still Yang Xiao.

Moreover, Yang Xiao intentionally let Tencent in. In the mobile game market, Tencent is full of talents.

After all, he wants to be the first to snatch up "Honor of Kings".

When the time comes, I will go to Tencent to recruit some professional talents. I'm sure my senior brother will understand, right?
(End of this chapter)