I was reborn and stayed in school to lie down. I really don’t want to roll anymore!

Despite the favorable situation, Jiangnan Quick Payment Company itself began to struggle.

After all, it is because of the surge in business volume, especially the maintenance of online business and some settlement of red envelopes, etc. Business involving money is always troublesome and restrictive.

When Jiang Hao walked into the company, the entire development department that used to watch dramas and videos had completely stopped having these problems.

They were all sitting in front of their computers, thinking hard, or constantly reading posts on technical forums, looking for the latest technical solutions.

Several others are constantly doing technical testing, and the entire team is operating at full capacity.

The operations, administration, and customer service staff are extremely busy, either making phone calls or communicating back and forth between departments.

The previously vacant meeting rooms were now filled with employees holding meetings.

Old Song in the house no longer has the leisure to watch live broadcasts while at work.

There is no longer a kettle on the tea table that always has tea brewing, so people can drink tea at any time.

Instead, he was reading and approving documents with a serious face, and there was a hint of worry between his brows.

It was not until he heard Jiang Hao's footsteps entering the room that he hurriedly put down the documents, as if he had found a savior.

"What's wrong? You look so worried. I guess the promotion is working well, isn't it?"

...

"How can I not worry?"

"Mouse, do you know how much the red envelope policy cost this week alone?"

"Twenty-six million! And it's only been a week!"

"Just from today till now, another two million has been spent."

"We originally wanted to promote the three hundred million yuan nationwide, but now it feels like it's not even enough for the entire province!"

The generous red envelopes can be said to be given out with real money.

It is equivalent to giving money away, so naturally it will be spent quickly.

"Don't just talk about the flowers! What about the users? How much has the number of real-name users increased?"

...

"The number of new users totaled 1200 million, of which about 510 million had real-name linked bank cards, and 330 million people had participated in the red envelope activities and made purchases."

This is equivalent to an advertising fee of more than eight yuan per person, which is not expensive, and can even be said to be cheap.

On the first day, most new users received red envelopes of 2-3 yuan, and very few received more than 5 yuan. In the next few days, the red envelopes were likely to be 1 yuan.

A week later, only 50 cents to one dollar is left in the earliest users’ red envelopes.

Only new users and those who continue to attract new users have the opportunity to receive large red envelopes.

All in all, it was within Jiang Hao's expectations.

"Don't worry, there are 330 million active users!"

"How many real active users does Haijing Payment have in all these years? In just one week, they have exceeded the accumulation of the past seven or eight years. It's normal to burn money!"

When Haijing Payment was originally Jiangnan Quick Payment, the number of users was always small, with only a few hundred thousand active users at most.

It was not until the launch of Aomori Cycling that the number of active users increased again, reaching four or five million.

With 300 million active users in one week, it is definitely worth the money.

"Don't worry, the daily expenditure will be reduced soon."

"The permanent population of Jiangnan Province is about 50 million, and I estimate that the number of users who can actually download and use it is about 7 to 8 million, or even less."

Although there are many people, 1/5 of them are directly excluded from the elderly.

Although smart phones are now popular, it is still difficult to promote them among the elderly.

If we exclude children and teenagers, the actual potential population is only 20 to 30 million people.

It is already a very high expectation that 1/3 of the total number will be used for downloading red envelopes.

The more money it burns, the larger the market share that Haijing Payment has temporarily captured.

Three hundred million was Jiang Hao's estimated amount of initial publicity funds, but he also planned that there would be no upper limit.

He didn't expect the effect to be so good at the time. Sometimes, spending money is a good thing.

If there is really no user participation, it would be impossible to continue spending money.

I guess this red envelope format has been used by Alipay before, so there is no need for Haijing to do any additional promotion, as everyone is familiar with it.

I also know that the red envelopes given at the beginning may really be large ones, and I can get a bargain.

At the same time, there is no need to say much about the influence of Haijing Technology itself.

Currently, it is ranked together with Tencent and Alibaba to become the new three first-tier companies.

The original top four structure gradually kicked Baidu out.

Therefore, users' trust in Haijing Payment is higher than Jiang Hao originally expected.

“The number of users is indeed very encouraging, but I am really worried about funding problems.”

When talking about users, Lao Song's sad expression also showed a bit of joy.

But financial pressure still exists.

"How much of the company's funds can you still take out? Don't worry, you don't have to distribute the profits from the second half of last year and the expected profits for this year. Use them all for promotion."

Jiangnan Quick Payment’s offline POS business revenue is not low and is an absolute money-making tool.

An annual net profit of about 20 billion may not sound like much, at least it cannot be compared with the hundreds of millions of dollars made by Haijing Technology or even the tens of billions of dollars invested in Songjiang New City.

But this is pure profit, and it was earned by a company with less than 200 employees.

The actual size of Haijing Technology is a hundred times larger than that of Jiangnan Fast Payment, but in terms of profit ratio alone, there is no comparison.

"Wow! That's a lot of funds!"

"We should be able to withdraw about 10 billion, plus some loans from the bank, so a total of 15 billion should be no problem."

When he heard that he didn't need to prepare the half-year dividend, Lao Song felt a lot more relaxed.

With tens of billions of funds as a foundation, we can really create a market.

Just when we were preparing to notify the finance department to prepare special funds, the city suddenly issued another notice to the company.

The entire notice was issued by the central bank, regarding the tightening of credit card and bank card services.

It turned out to be just as Secretary Lu from Songjiang Bank said. I didn’t expect that even the bank card application process would be tightened.

Jiang Hao picked up the document he had just printed out and found the one for the credit card.

The report "Notice on Promoting the Standardized and Healthy Development of the Credit Card Industry" mainly emphasized two points.

One point is to increase the obligations of banks, and they need to strictly control multiple credit approvals to prevent multiple institutions from issuing credit cards multiple times.

Another point is to prohibit users from using loans to pay off loans, especially to issue new credit cards to users who use loans to pay off loans.

Sure enough, the higher-ups had a clear idea of ​​what they were thinking and who they were targeting.

The means and measures are also very strong. It is estimated that the POS business of Jiangnan Quick Payment will decline sharply.

The specific extent of business shrinkage depends on how vigorously Songjiang Bank implements this policy.

But the golden age as good as it was in the past is completely gone.

"Haozi, I have to notify the business department first and hold a meeting with them to explain the contents of this document so that they can prepare themselves mentally in advance."

A large proportion of a salesperson's income comes from direct performance.

Now that the policy has been suddenly issued, there will naturally be an impact on income. Jiang Hao nodded to express his understanding.

"Go hold a meeting for them first."

"Pay attention to the promotion these days and prepare the funds."

"After the provincial round is over, the next round will be nationwide."