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

The nationwide tightening of financial operations has had an immediate effect.

Some marginal and sensitive financial industries have been hit hard in particular.

The credit card business is particularly serious. The online lending business is becoming more and more popular. Coupled with the tightening of the country, many third-party payment companies in the province are facing an even worse situation.

Fortunately, this payment license itself is of great value, and as long as it is not withdrawn, its continued value is not low.

"Mr. Jiang, all Jiangyu Coffee stores across the country now support Haijing Payment."

“It can be used in Hong Kong, Macau, and overseas.”

...

“Isn’t it a bit early overseas?”

After all, it is our own company, so it goes without saying that we support Haijing Payment.

But when Jiang Hao first mentioned it to Lin Lili, he was mainly referring to domestic areas.

"Mr. Jiang, our overseas customers of 'Jiang Yu Coffee' are mainly Chinese."

"In the past, besides cash and credit cards, the most popular payment method was Alipay. We can promote it first. I think the effect should be good."

Hearing Lin Lili's idea, Jiang Hao couldn't help but nodded.

"Thank you for your hard work, Sister Lin."

...

"Haha! It's a small matter."

...

After Lin Lili left, Jiang Hao once again looked through the market report of Haijing Payment.

At present, the available scenarios of Haijing Payment in Songjiang City have covered all aspects, and Haijing Payment can be used in more than 60% of the scenarios.

Even the deals with several vegetable markets and farmers' markets in the city were finalized yesterday.

The usage scenarios are almost the same as those of Alipay and WeChat.

As for Jiangnan Province, the proportion is much different, and should be around 30% overall.

After all, the salesmen of Dibao Technology are just helping out temporarily and getting a bonus, so it cannot be said that they are providing strong help to push the business forward.

Moreover, I am not professional in this area and still have limitations.

More importantly, the more underdeveloped a city is, the more conservative it is.

Especially for ground floor shops, convenience stores, etc., most of them are still waiting and watching before they know the frequency of use of Haijing Payment.

It was not until mid-June that Haijing Payment was finally rolled out in Jiangnan Province.

At this moment, it has been almost three weeks since Alipay was investigated by the special task force.

Jiang Hao was enjoying the air conditioning in the office and had just grabbed a popsicle from the public area outside.

After all, in summer, Haijing Technology naturally provides unlimited supply of ice cream to its employees.

Each floor has a dedicated snack and beverage area and tea area. In summer, there is also an ice cream area, which is replenished daily.

The most comfortable time of the day for Jiang Hao is now.

He replied to messages from time to time and looked at the company's financial data. Just as he finished his popsicle, he saw Uncle Ren calling.

"Hello? Uncle Ren."

...

"Xiao Jiang, the punishment from Alipay has already been decided."

really!

I finally got a call from Uncle Ren these two weeks, and I have been thinking about this matter for a while now.

"One is a fine of 1.6 million yuan."

It was just 1.6 million. Jiang Hao didn't care after hearing it. He thought it was just a normal fine for credit lending business. During this period, all large and small companies in the country that were related to this business were fined, and the amount was roughly within this range.

"There are a few more that you need to pay attention to. The higher-ups will use Alipay as an example, and you, Haijing Pay, will also need to respond to the rectification. I'll let you know in advance."

"First, regarding the collection of user personal information, it is only allowed to collect and use personal information under the principles of legality, minimum and necessity, and there is an obligation to cooperate with the state to protect personal and national information security."

"If any of your companies collect big data information, it will no longer be allowed, and you will need to delete a lot of unnecessary information on your own."

...

I didn’t expect that this rectification would be set as a typical example.

When it comes to personal information, Jiang Hao's expression becomes much more serious.

In fact, the entire big data industry was proposed by him. Although he was not the first to collect information from users, he was the one who made full use of this information, especially the preference information.

Since there is a requirement from above, he will naturally cooperate with the rectification.

Fortunately, although the Haijing platform is a big data-centric platform, most of it is actually account behavior analysis rather than user personal information-oriented.

This area is more about live streaming sales, and several major e-commerce companies on the market have serious violations of personal information.

"Second, companies like Haijing Payment will be included in financial supervision in the future, and the requirements will be higher."

This is not surprising. Supervision has always been in place. The company's 100 million yuan deposit has always been in a special account, so there is nothing to say.

"Third, businesses like Jiebei and Huabei will be strictly reviewed. In general, private enterprises are not allowed to use high leverage for lending business."

"I see that your Haijing Payment's current monthly payment is in cooperation with Songjiang Bank, right?"

...

"Well, according to what you said, Uncle Ren, I specifically negotiated with Songjiang Bank."

...

"That's good. I have asked for your situation and it is allowed."

After all, Uncle Ren cares more about him!

The previous risk warnings could be said to be the provincial party committee’s task, but these additional contents now are Uncle Ren’s care for him.

Of course, some things are relative.

The series of business developments under his name are also the greatest support for Uncle Ren's career. After all, he is currently the executive vice mayor in charge of the economy.

"That's all that's left. Don't forget about the construction of Songjiang New City recently. Pay more attention to it."

About a few hours after I hung up the phone with Uncle Ren, the punishment on Alipay, also known as Ant Financial Group, was announced on the Internet.

In fact, ordinary people are more concerned about the related businesses of Huabei and Jiebei.

In particular, many old users have already become accustomed to the existence of Huabei and are quite concerned about adjustments to Huabei's credit limit.

As for the so-called collection of personal information, fines, etc., they don't care much.

But no matter what, Alipay, the core of Alibaba, was punished and the matter immediately became a hot topic.

It has dominated the charts on multiple platforms and all kinds of news are flying around.

This is inseparable from the instigation of other companies. Jiang Hao is still quite conscientious. At least he did not add insult to injury at this time.

Although there were a lot of negative exposures about Alipay on the Haijing platform, it had nothing to do with him and he did not do anything deliberately.

But in real competition, Jiang Hao was not polite at all.

The next morning, Haijing Payment announced its entry into the national market, aiming to make Haijing Payment available in all regions of the country.

On the same day, several major national supermarkets, restaurant chains, milk tea shops, etc. quickly followed the promotion of Shanghai Whale Payment.

At the same time, the Haijing Red Packet was officially launched across the country, launching a larger-scale money-burning plan!