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Text Chapter 2148 The subtle beginning

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    On the day Xiao Qi returned to Rongcheng, Xiaoyao Mall officially launched its vigorous Spring Festival strategy.

    "Let Xiaoyao Mall buy New Year's goods for you!" This slogan has been promoted since Christmas in December. As of January 14, almost 500 million have been spent on advertising. National TV platforms, paper platforms,  The three major advertising platforms, the print platform, are full of promotions for Xiaoyao Mall.

    The publicity on the Internet is overwhelming. Almost all online shopping users have received electronic special offer orders no less than three times. Countless people are already gearing up to grab them as soon as possible.

    Xiaoyao Mall already has sufficient experience in major festival promotions.

    For example, this time, they still use the most dazzling and best-selling products for limited-time special promotions in six time periods every day.

    9 am, 12 noon, 3 pm, 6 pm, 9 pm, 0 am, each time period such as 5000 iPhones, 5000 Dreampads, 5000 Dreamstars, 8000 Canon compact card cameras, and 10000 Evergreen LCD TVs  20,000 bottles of Taiwanese and Moutai wine, 30,000 bottles of American deep-sea fish oil, 50,000 bottles of Wuliangye, 80,000 boxes of Chilean cherries

    It seems that there are a lot of these things, but if you spread it out over the more than 300 million online shoppers in China, it is not a lot at all. It can even be said that many things must be snatched up before they can be purchased.

    ??In fact, this is also the case.

    As soon as the first wave of limited-time special products were released at 9 a.m., they were all sold out in just 5 minutes. Among them, iPhone, Dreampad and Dreamstars were not the fastest. The fastest one was free shipping to your home.  The 52-degree Wuliangye priced at 299 yuan and the 53-degree Feitian Moutai priced at 599 yuan were sold out within one minute.

    The biggest fear is buying fake products on the Internet.  Even in real life, fake Wuliangye and fake Moutai appear one after another.

    On the contrary, here at Xiaoyao Mall, because it is a b2c model where you buy and sell by yourself, if you have any questions, you can find someone anytime and anywhere, so Xiaoyao Mall is easier to gain trust than offline physical stores.

    ? Originally, the Spring Festival is about drinking.  An ordinary party can last for two or three bottles of wine, let alone the entire Spring Festival.

    The price is 10% cheaper than outside, and with Xiaoyao Mall¡¯s insurance, if Xiaoyao Mall hadn¡¯t restricted everyone to only buy a box of 6 bottles of wine, there¡¯s no guarantee that someone would have just bought it in one pot and started doing business.

    In addition to these best-selling limited-time and limited-priced products, other products in Xiaoyao Mall have also started large-scale promotions during this period.

    The atmosphere of the shopping festival is mostly created by speculation.

    In anticipation of the fiery festive atmosphere of this Spring Festival.  Xiaoyao Mall's various New Year's goods promotions for the Spring Festival are at least 5% cheaper than usual, and many are even discounted by 10% - in the era of online price comparisons, prices are relatively transparent. With such a 10% discount,  This has already made users very happy.

    Online shopping and credit card shopping actually have many similar meanings.

    The easiest way to max out your credit card is when you buy something with a credit card.  You don¡¯t have to count the money in your wallet, so you won¡¯t feel the pain of the red hundred-dollar bills leaving you one after another.  So I kept buying and buying, and ended up spending tens of thousands of dollars without even knowing it.

    The same goes for online shopping. Either you top up the money into Xiaoyao Wallet, or it is directly connected to a debit card or credit card. Even cash on delivery is the same. You don¡¯t touch your wallet until the goods are in front of you.  So of course I don¡¯t feel like I¡¯m spending money, and I end up buying a lot of things without even realizing it.

    ??This is the case for these users who are rushing to buy things. They originally only wanted to buy a few things they like and must-have, but as they looked at it, seven or eight or even more things were circled in the shopping cart before they knew it.  Then click directly on payment or cash on delivery.

    Some scholars have studied that under the atmosphere and relaxed mood, people easily buy many things that are not in short supply. Therefore, under the influence of this mentality, Xiaoyao Mall's sales reached 5.8 billion on the first day.  The astronomical figures are not surprising at all.

    Many people only see the booming sales of Xiaoyao Mall, but many people fail to see that Xiao Qi actually has another move, which is very important for the future layout.

    That is, after the opening of Fairy Bank, Xiao Qi has vigorously promoted users of Xiaoyao Mall and Taobao.com to apply for Fairy Bank accounts and Fairy Bank credit cards.

    Especially for Fairy Bank credit cards, Xiao Qi announced that users who use Fairy Bank credit cards will not have to pay any handling fees when shopping at Xiaoyao Mall and Taobao.com.

    The biggest advantage of a credit card is that in addition to the convenience of swiping the card, you can spend money first and then repay the money. It belongs to the category of borrowing money for consumption, which is slightly euphemistically called "pre-consumption".

      Many people often buy things because they don¡¯t have enough cash and savings. They think it¡¯s good to have a credit card limit of 10,000 or 20,000, so they can buy good things directly. As for how to repay the money after spending money, then  Let¡¯s talk about it later!

    But one disadvantage of using a credit card for online shopping is that when you swipe your credit card, you need to pay a 1% handling fee to the bank.

    However, Taobao currently does not require users to implement this regulation. Such large-scale credit card processing fees are all advanced by Taobao.com, which greatly increases users' enthusiasm for using credit cards and will also increase the number of users.  Users are attracted to Taobao.com.

    But this kind of subsidy is not guaranteed to last forever, especially when there are more and more users of Taobao.com and more and more people use credit cards. Tens of millions and hundreds of millions of handling fees are spent every day, which is also true for Taobao.com.  A tremendous amount of pressure.

    Therefore, after cultivating the consumption habits of most users, around 2011 and 2012, Taobao officially announced that except for the free credit card consumption limit of 500 yuan a month, it would no longer subsidize credit card handling fees.  Fees are negotiated between buyer and seller.

    Although 1% is not much, many people are wondering, why should I pay a handling fee when I swipe my card? Aren¡¯t there no handling fees in shopping malls and restaurants?

    In fact, this is also a misunderstanding. When you swipe your credit card in shopping malls and restaurants, you also have to pay handling fees to the credit card issuer and clearing center. However, European shopping malls and restaurants usually help you pay for it. Anyway, the wool is in the pocket.  For sheep, this money is already included in the money you consume.

    Shopping on the Internet is different. Take Taobao.com for example. After Taobao.com gave up credit card handling fee subsidies, the profits of small and medium-sized sellers on Taobao.com were originally small. If they pay the 1% handling fee, the cumulative  It¡¯s also a big expense, so these sellers usually ask the buyer to pay 1%.

    Of course the buyer feels uncomfortable and feels that the seller is too stingy, so there are a lot of wranglings over this.

    Before the opening of Fairy Bank, both Taobao.com and Xiaoyao Mall were responsible for the credit card handling fees of users. However, after Fairy Bank opened, Xiaoyao Mall first announced that it would charge a 1% handling fee for all credit cards except Fairy Bank.  Then Taobao.com, controlled by Xiao Qi, also announced the same policy two or three years in advance.

    Although the handling fee is only a mere 1%, there are definitely a lot of people who turn to Fairy Bank reference cards because of this.

    Within a few months, Fairy Bank has processed more than 7 million credit cards, and there was no pressure to exceed 30 million in 2009.

    With a credit card, you get a user¡¯s credit information, which is a good thing for increasing the number of users of Fairy Bank.

    Now is not the best time for Fairy Bank to develop users. When online shopping develops rapidly and reaches the majority of shopping people in the age group of 16-50, the number of credit cards alone will exceed 100 million.

    Then, there is the next mobile payment terminal, which also needs to be bound with bank cards. Whether it is Taobao, Xiaoyao Mall, etc., they all give priority to binding the debit cards and credit cards of Fairy Bank, so that they can increase the number of users.

    The last online financial product is also produced by Fairy Bank. This online financial product with no threshold will increase the number of middle-aged and elderly people to open accounts.

    With the completion of this trilogy, Fairy Bank will be able to achieve a user base of at least 300 million, which is at least one of the top ten in China's banking industry.

    On the other hand, Fairy Bank can also gather several Fairy-type companies into a group. After Fairy Bank itself develops and grows, it can in turn provide these companies with strong financial support to help them develop and tide over difficulties.

    In this way, Xiao Qi¡¯s previous idea was achieved.

    In Xiao Qi's ideal concept, with Fairy Bank as the central heart, Fairy Series, Xiaoyao Series, and Taobao Series as the skeleton, plus some other well-run holding companies as flesh and blood, a bank was formed.  A true conglomerate giant.

    Diversity is a necessary goal of a consortium.

    Companies with too single operating conditions are often not very capable of resisting risks.

    No matter how powerful online commerce is, it must be supported by offline carriers.

    It will never be possible for the entire banking industry to be completed online, even in developed countries such as Europe and the United States!

    ¡°In China, banks are involved in many aspects. Even if it is a private bank, the state will not allow it to fail. This adds another layer of insurance to the Xiao Group.

    So, Fairy Bank is indeed the finishing touch in Xiao Qi¡¯s business empire!  (To be continued, please search Piaotian Literature, novels are better.??New faster!
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