Meituan version of "Huabei" is coming? Can meituan pay out the heavy encirclement and suppression of Huabei and Baitiao?
Fantastic 2020-11-26 15:36:25
recently , As for the Internet financial circle , The biggest topic is undoubtedly that meituan launched the monthly payment function , Meituan has officially declared war on ant Huabei , We are all curious about how this product from meituan can achieve a counter attack on ant Huabei , After all, for ant flowers , Meituan monthly payment seems a little late , Can the monthly payment online so late really repeat the attack of wechat payment on Pearl Harbor ?


 Meituan Edition “ Spend bai ” coming ? Whether meituan monthly payment can kill flowers 、 White note's heavy encirclement and suppression ?



One 、 Meituan's monthly payment is here ?

In the ant gold suit “ Spend bai ” 、 Jingdong ious 、 After wechat distribution , The Internet consumer credit sector has ushered in a potential but belated challenger —— Meituan “ Monthly payment ”.5 month 29 Japan , Meituan financial announced , After a year of trial operation and product iteration , Meituan credit payment product meituan monthly payment officially launched .

According to introducing ,“ Monthly payment ” As long as the user is old 18 One year old 、 After real name authentication , Active users of meituan are in meituan department app When consuming, you can use the credit limit granted by meituan monthly payment to complete the payment , The longest interest free period 38 God , Pay on time , There is no charge for the platform . meanwhile , Meituan monthly payment supports bill deferred repayment and bill installment repayment , The longest is divisible 12 period .“ After nearly a year of trial operation and product iteration , Meituan credit payment product meituan monthly payment officially launched .” On the day , The official news released by the meituan said that , As long as you're old enough 18 One year old , And meituan, which has completed real name certification, has actively opened meituan app, Home search “ Meituan monthly payment ” You can apply for the product .


 Meituan Edition “ Spend bai ” coming ? Whether meituan monthly payment can kill flowers 、 White note's heavy encirclement and suppression ?


Meituan monthly payment not only directly benchmarked ant flower in the design of credit products , And also on the microblog high-profile face Taobao issues :“ Eat this month , Is it convenient to use meituan monthly payment or Huabei ?”

According to the interface news reporter , Most users have only a limited amount of distribution products 1000 element 、500 Two yuan , The fund side includes Chongqing Sankuai small loan company under meituan 、 Yilian bank and other financial institutions , The capital strength is slightly weak ; Ant flower has been online for five years , The amount has been raised several times , The maximum credit line can reach 20 Ten thousand yuan , And Huabei is already online “ Are you hungry ” Credit payment for scenarios . And the previous consumer chaos “ Cash loan ” Different products ,“ Monthly payment ” Such as Internet credit consumer products often have a clear scene to rely on , It has more advantages in risk control credit . In the comparison of Huabei and monthly payment , It also shows that they belong to the Internet companies “ ecosystem ” power . according to the understanding of , at present , Meituan already includes takeout 、 Travel 、 The hotel 、 travel 、 Fresh and other high frequency 、 Small ecological scenarios can be paid monthly , These scenarios are combined with the leverage effect of credit consumption , Or it can activate the consumption power of meituan users again .


 Meituan Edition “ Spend bai ” coming ? Whether meituan monthly payment can kill flowers 、 White note's heavy encirclement and suppression ?


According to the report of touzhong.com ,“ Users with transaction records in one year .” Meituan insiders told china.com , in fact , Today's monthly payments , Last year 9 Moon in meituan APP Online credit payment products “ Check ”, The main theme of meituan's consumption scenario is the superimposed preferential rights and benefits and the experience of "enjoy first, pay later" . according to the understanding of , Users only need to open “ Monthly payment ”, After that, he worked in the meituan department APP( Including the US mission 、 comment 、 Meituan takeout 、 Meituan taxi 、 US group buying vegetables ) Consumption time , Whether it's group food 、 Take out 、 Stay at the hotel 、 Travel or bike 、 Take a taxi 、 Buying vegetables , You can use the credit limit granted by meituan monthly payment to complete the payment , Next month 8 Unified repayment No , The longest interest free period 38 God .


 Meituan Edition “ Spend bai ” coming ? Whether meituan monthly payment can kill flowers 、 White note's heavy encirclement and suppression ?



Two 、 Can meituan monthly payment realize counter attack ?

as everyone knows , The most famous credit products on the Internet are undoubtedly the flowers of ants 、 Jingdong's white note and wechat payment of gray scale test not long ago , A closer look at the business types of this kind of credit products are relatively uniform , Compared with the credit card products of commercial banks , The credit products of Internet institutions are based on personal use habits and credit scores , Credit payment limit for individuals , Let users use it in some enterprise scenarios , Credit card products with consumption before repayment . essentially , These Internet credit products are virtual commercial credit products similar to credit cards , It can be regarded as a kind of commercial Internet financial credit business relying on its own business scenarios .

We tested meituan's monthly payment products ourselves , As a senior user of meituan , The monthly payment we got was relatively small, only 1000 yuan , It can be said that meituan is quite cautious in monthly payment business , There is no ant flower, but thousands or even tens of thousands of credit lines , Therefore, it is still a relatively cautious approach . that , Let's see if the monthly payment of the United States can be attacked ?


 Meituan Edition “ Spend bai ” coming ? Whether meituan monthly payment can kill flowers 、 White note's heavy encirclement and suppression ?


First , From the perspective of business scope , Meituan monthly payment is still difficult to defeat Huabei . There is a classic story inside Alibaba , In the short period of seven days, the form of micro credit Spring Festival red envelopes realized the user accumulation that Alipay failed to accomplish in ten years. , This story is called Alipay version by Ma Yun and other Ali giants. ” Attack on Pearl Harbor “, So in general , If an enterprise wants to challenge Alipay in payment or other financial fields, , Everyone will say whether this enterprise should be prepared ” Attack on Pearl Harbor “ 了 ? Compared with the comprehensive war of wechat payment in those years , Meituan monthly payment is much more restrained , Why do you say that ? From the perspective of consumption scenarios , Whether Alipay or WeChat pay or cloud flash payment. , They are all generic scenarios , Basically, it's not exclusive for any other scene , Therefore, the first pursuit is universal , But meituan monthly payment is not such a product , On the whole, it is still a mode of internal payment instrument , Mainly in meituan's own APP For credit consumption , Although meituan has become an indispensable part of Chinese Internet life , But compared with some kinds of ant flower application , Only the internal business of meituan department can be said to be a simple internal payment product , It is far from achieving the goal of declaring war on ant Huabei in an all-round way .


 Meituan Edition “ Spend bai ” coming ? Whether meituan monthly payment can kill flowers 、 White note's heavy encirclement and suppression ?


secondly , Meituan monthly payment is not to beat ant flower , But it is an indispensable part of meituan's financial system . As a Chinese Internet giant , Meituan's financial business has been developing very cautiously , It has not adopted the development mode of the great leap forward of traditional Internet companies , Although there was no leap forward, meituan did nothing , In the years that followed , The American League has recorded commercial factoring successively ( Shenzhen Sankuai )、 Third party payment ( Beijing qianbaobao )、 Small loans ( Chongqing meituan three express )、 Insurance brokers ( Chongqing Jincheng mutual promise ) Four financial licenses . But the introduction of monthly payment will be an extremely important part of meituan's financial system , You know, no matter what financial company , Whether it's a traditional commercial bank , Or the financial system of the Internet , Payment will be the most important entrance , If a user can effectively use meituan's payment products , Meituan can successfully use big data to analyze users' usage habits, so as to push the financial services they need . What's more, credit card service itself is a very profitable business model , Ant Financial Services announced 2019 Revenue data for the first three quarters , The ants spend bai 9 More than 3 months' revenue 41 Billion , Net profit exceeding 10 One hundred million yuan , To know that meituan's financial business has achieved good revenue , According to the first quarter report of meituan , In the revenue system , Only meituan flash purchase and micro loan business contributed to the rise in revenue 4.9% to 42 One hundred million yuan , It can be seen that if the monthly payment is fully pushed forward , Further financial profitability of meituan will become possible .


 Meituan Edition “ Spend bai ” coming ? Whether meituan monthly payment can kill flowers 、 White note's heavy encirclement and suppression ?


Third , Meituan monthly payment will become an important starting point to consolidate meituan market . Facing the huge demand of payment market , Payment can help Internet companies lock users in their systems , According to the data of the United States , Meituan monthly payment can effectively improve the conversion rate of meituan's payment orders , During trial operation , Meituan's order volume of monthly payment users increased by more than 20%, Average increase of transaction amount 15%; According to its disclosure , Meituan monthly payment can effectively improve the conversion rate of meituan's payment orders , During trial operation , Meituan's order volume of monthly payment users increased by more than 20%, Average increase of transaction amount 15%. in other words , Meituan's monthly payment is more than a credit payment tool , But through the monthly payment of meituan, the user can be locked in , Keep users' habits in meituan system , So as to promote the mutual transformation mode of meituan's own ecology .

therefore , Meituan monthly payment may not be able to beat Huabei completely in the offline general scenario , However, the monthly payment of meituan will be an important part of meituan's financial business and even the whole ecology , There is no doubt about that .

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