As early as 2004, the payment had been made, mainly to help shoppers resolve the trust of buyers and sellers, and the user had a platform to pay and confirm receipt of the goods before transferring them to the seller. This pattern quickly became popular, because there was no need to be deceived while shopping online。
Nine years later, it appeared only in august 2013 and initially was a small feature of the letter, which was used to buy video games. Ma yun, seeing wei wen-in pay so quickly, is sure to wonder why the money took the lead and failed to keep the lead. Wisdom pays for socialization, and it melts into the daily lives of ordinary people。
The greatest advantage of twitter is that it is a chat tool, and users are indispensible every day. Think about it, you're talking to your friends, and you're suddenly going to transfer a account or get a red bag, just click in the dialogue box and don't jump out of the app. The payment of the treasure, though socialized, is always unattractive, and it is used more for transfers or payments. Wireless payments go on like this and make them part of the chat. Maun probably didn't think that socializing this card would make users accustomed。
From the outset, payment treasures have been located in favour of financial services, such as the balance treasures launched in 2013, allowing people to put free money in there for some profit. There are also flowers and loans, which help users manage credit cards or small loans. Micro-credit payments, which were social platforms at the beginning, were later added to the payment function. People may not need financial products every day, but social needs are just needed, so who can leave the community of wisher and friends? This compares to the fact that the payment of the treasure is a little specialized and that the user is running out of time。
Users pay more frequently with their emails because it places their life services in them. You can pay for water, electricity or a train ticket when you're done with your tweets. The micro-program makes these things super simple without downloading other apps. Payment treasures have similar services, but users are less sticky. Many people use the money for specific purposes, such as credit cards or the purchase of funds, and then they turn it off. Wireless payments rely on social pull for other functions and users naturally use it more。
In the spring of 2014, we had a red bag operation with a fire. The fact that the users had to bind their bank cards in order to collect the money in order to steal the red bags in the group had led many to test the micro-mail for the first time. Since then, the red bag has become a nodal and relatives and friends have preferred to transfer money. The payment was followed by the red bag, but not so strongly. Mayun mentioned this at the company's internal meeting and felt that the pre-emptive advantage of paying for treasures was lost. Social scenes allow for faster penetration of twitter payments。
The payment treasure tried to work socially, adding life-cycle features around 2015 to make users more interactive. But people don't seem to buy money, but they're more pragmatic. Wireless payments continue to be deeply ploughed, such as direct aa-based food payments in community conversations, or sweeps to buy. The public prefers to pay the letter because it is close to life and the payment is not isolated, but tied to chat. The financial attributes of the payment of treasures are strong, but lack such daily kinship。
The vast base disks of the users of twitter, which are brushing the circle of friends and chatting each day, create countless opportunities for payment. Most of the users who pay for the treasure come from the treasure shop. Wireless payments are easily extended to below-line payments such as supermarkets and hotel sweeps. The paying treasures have advantages on-line electricity providers, but they have been robbed by microclinics. This may be the place where maun is confused, where the money is fully paid, and why users are not very frequent。
Since the release of the surplus in 2013, users have been eager to save money because of good returns. Wireless payments for access in 2018, similar functions, also attract people to put money in. But the advantage of twitter is that users turn to finance when they talk. The sesame credit system, which pays for bo, helps users to assess the amount of the loan. However, ordinary people pay small amounts on a daily basis, but they still do better, for example by buying a bottle of water or transferring money from friends。
In the competition, the payment adjustment strategy strengthened local living services in 2019, such as takeout or booking. Micro-credit payments depend on the ecology of small programs, enabling users to complete purchases and payments within the platform. The population chooses to pay micro-credit, often because it is less expensive and does not have to switch apps. There are many subsidized activities for the payment of treasures, but the loyalty of users cannot be sustained. Micro-credit paid social chains that make trust stronger and people feel reliable when they transfer。
Mayun retired from ali baba in 2019 and focused on the payment industry. The ants group, which pays for the mother company, continues to push digital services, such as the brush for the test water in 2023. Wireless payments are sent to expand cross-border operations. You chase me and push china forward with the money. People prefer the payment of micro-credit because it is integrated into social life, and the money is paid early but at a different location。
The convenience of the letter payments is reflected in small scenes, such as the distribution of red packages directly to grandchildren after the elderly have spoken. It's a lot of money, but sometimes it's complicated. We believe in shaking or sweeping and paying for seconds. People pay more with their letters because they exist like air and are exposed daily. It's more like a toolbox to pay for it。
The payment of spoils attracts users, such as subsidies, but is less sticky than micro-social. Micro-credit users are large, and transfers between relatives are preferred. People who have a wealth of financial products to pay for their investments. The zero threshold for micro-credits is used to log-in without any additional inconvenience. In the final analysis, the choice of the people is one that is more relevant to everyday life。
While the market share of the treasures paid is there, the pen is in the lead. The high frequency (hf) scene under the twitter payment line is popular and is used more in convenience stores. There is an advantage in paying on-line electricity dealers. Users prefer to trust because social needs are strong and no one can communicate. The money depends on the treasure, but the society is weak. Wireless payments are just like that。
Competition continues, payments push new payments and users grow in size. Micro-credit expands overseas and works with local services. Both account for the bulk of mobile payments and promote cash-free living. After ma yun has retired, the ants group focuses on digitization, while the information is focused on crossing borders. In market patterns, micro-credit payments remain dynamic。
