In the afternoon, Dream Valley of Science and Technology Park.

Soon, just as the meeting in the afternoon began, Fang Qiang received a call from Ye Qingchen, and what he said made Fang Qiang scare him into a cold sweat.

He knew very well about everything about Menggu. It can be said that the role of Luzhou on the spiritual pillar is far greater than many aspects.

Needless to say, Lao Wen was in the computer room 58 days in 60 days.

On Cheng Xuyuan's three screens, one of them was countless data jumps.

Even if it is pressed on Fang Qiang, there are many things. Wang Wenjun can be in charge of many things, but when it comes to technical aspects, whether it is creating dreams or internal entrepreneurship, it must be necessary to take Fang Qiang's hands before the project is sent to the road boat.

Although there is also a senior brother Lu Ming hidden behind the scenes, senior brother Lu Ming basically doesn't care about the research direction he just pays attention to. He even has never been to the company.

It can be said that if they are in charge of the business in the three lines, they can do so, but if they are sitting in the position of the Luzhou, Fang Qiang only feels that such a dream valley will only collapse.

I wanted to go to the hospital to see the boss. But Ye Qingchen refused to let him go, but instead ordered Fang Qiang to do his job first so that Lu Zhou would not worry too much.

When he received Ye Qingchen's call again after the lunch break, Fang Qiang's hanging heart was relieved.

As for work, it was still going on normally. But when others asked, he said that Luzhou was busy with something else.

This was still Ye Qingchen's order.

"This sister-in-law is also a person who can tell the difference."

......

At this time, Fang Qiang and Wang Wenjun were in the conference room.

The table was Fang Yuling, an executive of Menggu Payment, who was reporting on the work of Menggu Payment to the two.

Fang Yuling is a woman in her early forties. She was an airborne person who was dug up by Wang Wenjun through some personal relationships after Luzhou made a decision on the establishment of Menggu payment earlier.

In the past fifteen years of work experience in the financial field, he has experienced management positions in industries such as banks, securities, investment banking, etc. If you want to look at Wang Wenjun, the only problem is that he has never been involved in the Internet field.

Of course, even according to the previous personnel situation of Menggu, no one can take on this position. Luzhou means that it is enough money and options, and the rest depends on the running-in between the two ends.

Fang Yuling said, "Mr. Fang, Mr. Wang, and traffic loan ab have all been paid. At present, the amount paid is about 15 million. This part has been transferred to the developer's account through manual reconciliation.

But next, whether it is Menggu Payment or Menggu Advertising, it needs to be redesigned in the settlement and clearing systems.

Although this is troublesome, the benefits are long-term. So, I hope you will give me enough authority to adjust the corresponding work."

Fang Qiang and Wang Wenjun both nodded, but did not say much, neither of them could take the lead in this matter.

Fang Qiang said, "Mr. Fang, how is the progress of this part of the system in Menggu Payment? After all, you also know that Menggu Advertising is now in the commercial stage, and rash changes can easily cause risks."

Fang Yuling nodded. She also knew that this matter was too wide and that neither of them could make up their minds.

"The second thing is that I designed the second set of loan products for Menggu Payment based on the current Menggu business situation. According to Mr. Lu, this product needs to wait for the payment system to be completed before going online.

That being said, user screening, data analysis and some functional systems can be carried out in advance."

Fang Qiang, "Please speak."

Fang Yuling said, "In the banana market, Mr. Fang had planned to launch a 'million cash' event. At the same time, this part of the wallet entrance and simple mall are still retained in the banana."

"Yes. But the current usage rate of this function is very low. There are no promotion activities, so users basically won't use it." Fang Qiang added.

Fang Yuling nodded, then switched to a simple diagram of the business process by operating the notebook.

"Next, I will explain to you one by one the blueprints of Mr. Lu's payment plan for Menggu last night.

First of all, the payment system will mainly use WeChat payments, while other related peripheral businesses, Banana, Mengguyun, Chuangmeng and other payment-related businesses will be settled by WeChat payments.

Simply put, if all users of the original business need to make payments within the Menggu system, they must have a WeChat account.

The second one is the second loan product after traffic loan.

This is a new product I designed when referring to the existing online loan form and the current situation of Menggu.

It does not issue loans in cash, and users need to go through the mall in Menggu to complete the corresponding shopping. In the early stage, the goods involved in the mall were mainly mobile phones and other 3c digital.

Therefore, based on one or two points, Mr. Fang provided some help to Menggu Payment.

One is the data source, which in addition to Menggu Advertising, also includes WeChat data. The other is the transformation of the original mall.

As for the rest, it will be solved by Menggu Payment."

"This is fine in Menggu Advertising. I need to communicate with Mr. Cheng in WeChat. The final plan still needs Mr. Lu to make the decision." Fang Qiang said.

Fang Yuling continued, "The third one is that Mr. Lu has added another possibility to me. Menggu Payment will do deposit business. Or in a strict sense, it is a fund form.

After this business is promoted, the original traffic loan and student loan will no longer limit the user group, but will be fully targeted at all WeChat users.

The funds collected through deposit business will be used to issue loans in a specific proportion.”

Wang Wenjun was stunned after hearing this, "Yin...Okay?"

It's so crazy that an Internet company is trying to interfere in this money-making business that has not been lost for thousands of years!

Fang Yuling smiled slightly, "Yes, this is a bank in a sense. Of course, it may have some unnecessary troubles in the current situation, but it can always be solved. Such a model may cause fluctuations in the entire banking industry.

After understanding Mr. Lu’s meaning, I realized that perhaps the banking industry in the future must also understand the Internet to do better.”

After hearing this, Wang Wenjun refused to speak for a long time, "User data, build a model, automatically grant credit, automatic credit, automatic risk control..."

Fang Yuling said, "According to Mr. Lu's description, this bank business is also a traffic business. Of course, I think the final part will take a very long time.

For us, the most practical thing is to open up all links first. After all, traffic loan is just a test project, and it is still very immature."

Fang Qiang nodded, this matter was really troublesome.

I won’t mention Menggu Advertising and WeChat. The developers’ data alone have made Mengguyun feel the pressure.

Next, when it is no longer limited to developers or the next student group? Then it faces tens of millions, or even hundreds of millions of people.

It is not an exaggeration to call an extremely huge system "brain"!

"To be honest, I'll tell you that after the traffic loan design was completed, I was very disappointed with Menggu Payment's performance and even wanted to resign early. But Mr. Lu's idea last night touched me.

I think we can make a great product.”

Fang Qiang grew up under the influence of Lu Zhou for a long time. After understanding Fang Yuling's words, he was thinking about a question in his mind who should the data belong to? And how should privacy be defined?
Chapter completed!