How popular mobile payment is in later generations? I guess no one in this world knows better than Liu Xiahui. It was an era when even beggars had QR codes on them.

Before Liu Xiahui came back from rebirth, he had not brought cash for several years. He had to do it with his own mobile phone. It was so convenient that he could not be more convenient.

For the catering industry, the importance of mobile payment is unquestionable. It is no exaggeration to say that if your restaurant does not have a QR code to collect payment in later generations, the business will definitely make you cry without tears.

After all, after getting used to convenient and fast mobile payments, not many people will bring cash when they go out!

Without cash, your restaurant cannot scan the code to pay. What if the taste of your restaurant is so awesome? Do diners come to you for a meal and go to the bank to withdraw money?

Therefore, in the catering barriers built by Liu Xiahui, cashless payment is also a very important part!

What Liu Xiahui is thinking now is whether it is better to do mobile payment by himself, or to cooperate with the famous Alipay and WeChat Pay directly?

Undoubtedly, it is the most worry-free to cooperate directly with Alipay and WeChat Pay. Although doing so will be subject to others, there is no need to worry about the monsters that will appear between Alipay and WeChat Pay. No matter how stupid the two overlords are, they will not be able to ban you in the mobile payment field. That is a stupid thing to kill a thousand enemies and harm yourself by yourself.

However, if you are not afraid of ten thousand, just be afraid of if you are. When there is no big conflict of interest between the two parties, Liu Xiahui's idea is normal. Whether it is Alipay or WeChat Pay, it is impossible for merchants to be banned in the mobile payment field.

But if there is a conflict of interest between the two sides, it is hard to say!

Just like the 3Q war that broke out this year, who would have thought that Tencent would use the ultimate killer move like choosing one of two in the future?

Anyone who uses 360 antivirus software should not use QQ. This cliff is a trick to kill one thousand enemies and lose 800 by yourself. Forcing users to choose one of two will not only lose some users, but will also attract infamousness.

But under the huge conflict of interest, Tencent did so.

Then, facing the ultimate killing move of Tencent, the giant giant, 360 directly knelt down and took the product targeting Tencent in shame.

In the field of mobile payment, let’s make an assumption, suppose that one day, the two overlords, Liushi Group and Alipay and WeChat Pay, had a huge conflict of interest, and then Alipay and WeChat Pay used similar ultimate killing moves to completely ban the industries under Liushi Group’s use of Alipay and WeChat Pay...

Think about it, if such a thing really happened, how much would the Liu Group suffer?

With the huge size of Alipay and WeChat Pay, merchants who have lost tens of thousands or even hundreds of thousands can easily bear it, but if the industries under the Liu Group are banned, the losses will be a bit unbearable!

Of course, the chance of such things is extremely low, but no matter how low it is, there is a possibility.

After all, the world is changing too fast. Two industries that were originally unrelated to each other suddenly had bloody events one day. Liu Xiahui couldn't be sure that his catering empire would never have conflicts of interest with the two Internet giants, Alibaba and Tencent.

Therefore, although cooperation with Alipay and WeChat Pay in the field of mobile payment is worry-free, it is ultimately subject to others and cannot create a catering barrier that can be called a solid wall.

But if you enter the market to participate in the competition in the mobile payment field, it will also be difficult, because in the mobile payment field, Liuxiahui's Liu Group cannot compete with Alibaba and Tencent.

Alibaba has Taobao, and the birth of Alipay was originally used to serve Taobao. There is a natural fit between the two, allowing Alipay to easily have a large number of users in the mobile payment field.

Tencent has the giant QQ, which can be easily incubated. It is unique in the field of mobile payments, which gives it the capital to compete with Alipay.

Of course, the Liu Group is not useless, it has at least three major advantages.

First, there are tens of thousands of chain stores under the Liu Family Group, and this base is still very good. Once you enter the mobile payment field, these tens of thousands of chain stores will be the most powerful supporters.

2. The Laoliu Takeaway APP is launched. As long as it can successfully open up the situation and form a scale, it can also provide great help to the mobile payment field.

3. No one understands the future development trajectory of mobile payment better than Liu Xiahui.

With these three advantages, if Liu Xiahui wants to engage in mobile payment, even if he is not as good as Alipay and WeChat Pay, he believes that he can still gain a place in the mobile payment field.

However, no one knows better how fierce the competition in the mobile payment field is than Liu Xiahui.

There are many powerful players in this field, including Alipay, WeChat, NetEase, JD.com, Didi, Meituan, UnionPay, etc.

Among these many players, the strongest Alipay and WeChat Pay account for more than 90% of the market share, occupying an absolute dominant position, while the remaining small and medium-sized players are sporting a cruel battle in less than 10% of the market.

Meituan will check Meituan Pay by default in user payment and attract users to register and use discounts; JD.com provides various payment methods such as white slips in shopping to attract users. Although applications such as Didi have their own payment systems, they are basically in an "invisible" state... It can be said that none of them can account for more than 1% of the mobile payment market share.

Although these are business giants with hundreds of millions of users, they cannot get rid of their dependence on Alipay and WeChat Pay.

Originally, WeChat Pay was considered to be relatively late. Not to mention comparing with Alipay, even NetEase entered the market a few years earlier than it.

But it was too strong. Relying on its strong social attributes and backed by one billion users, it then launched a classic "subsidy war" with Alipay at all costs, spending billions to cultivate user habits, and finally formed a pattern of competing for power with Alipay.

It is precisely because of the fact that the competition in the mobile payment field is too fierce that Liu Xiahui hesitated whether to enter the market.

If you enter the market now, it is actually a good time, because the real explosion of mobile payment will be next year.

Next year is definitely the year that is destined to be remembered in the history of my country's mobile payments. By the end of October 2011, the total number of 3G users in my country has reached 110 million, an increase of 71.36 million over the same period last year. The penetration rate of 3G users reached 11.3%, and the number of mobile phone users in my country has reached 964 million. The huge potential customer base says that mobile payment has brought huge potential and development space.

Moreover, a very historical event occurred this year. In June of this year, the central bank issued the first batch of 27 third-party payment licenses, including UnionPay, Alipay, UnionPay Business, Tenpay, Kuaiqian and others, to obtain licenses.

At this stage, the three major operators also set up mobile payment companies.

Mobile established Mobile E-Commerce Co., Ltd. in July 2011, China Unicom established China Unicom Woyifu Network Technology Co., Ltd. in April 2011, and Telecom established Tianyi E-Commerce Co., Ltd. in March 2012.

In December 2011, the mobile payment subsidiaries of the three major operators also obtained payment business licenses issued by the central bank.

It was also during this period that another thing that changed mobile payments appeared - the QR code.

The barcode payment business launched by Alipay marks the complete opening of the era of offline QR code scanning payment, and the mobile payment field has also ushered in real great development.

If Liu Xiahui is now joining the market, launching the QR code business before Alipay, and then spending money to promote it, and cultivating user habits, then will there be a chance to become the dominant existence in the mobile payment field?

You should know that in later generations, Ant Group, with Alipay as its core, was a unicorn with a valuation of over 2 trillion yuan. If you have the opportunity to become bigger and stronger in the mobile payment field and become one of the overlords, you will really make a big profit!

At this moment, Liu Xiahui was really moved.

Before, he was just devoted to catering and never thought of crossing the border to other things, such as real estate investment, decoration companies, logistics companies, takeaway companies, etc., all for his catering empire.

Until now, when I was preparing to build a catering barrier, I realized that the mobile payment he ignored was also an indispensable part of the entire catering industry chain, and it accounted for a very high proportion.

After being moved, Liu Xiahui made a decision to contact Mr. Ma first to see if there is any chance to invest in Alipay. If he can invest in it, he can enjoy his achievements and is too lazy to bother with the effort to make mobile payments.

After all, this thing is not that easy to do. Until his rebirth, Alipay and WeChat Pay were still competing for each other. Everyone wanted to share a bigger cake in the future.

If you can't make a stock, there is nothing you can do. In order to be unrestrained by Alipay and WeChat in the mobile payment field in the future, Liu Xiahui had to enter the market in person and have fun with these big guys!

Thinking of this, Liu Xiahui went back to the room and called Mr. Ma.

...

After the Dragon Boat Festival, Liu Xiahui personally met Mr. Ma in Feihang City and discussed the acquisition of Alipay Company.

As expected, the negotiation result was decisively rejected by President Ma.

If it had taken action a few years ago, Liu Xiahui might have a chance to successfully invest, but now Alibaba is taking off. In addition, Mr. Ma has realized the importance of Alipay and is planning to make Alipay independent from Alibaba and become his holding company.

At this critical moment, how could Mr. Ma allow someone to invest in Alipay?

Since the investment failed, there was nothing to say. Liu Xiahui could only come to the scene in person and compete with these bigwigs in the mobile payment field.

Therefore, after returning from Hangzhou City, Liu Xiahui took action immediately.

From cross-border mobile payment in the catering industry, Liu's Group has no shortage of money or management talents. The only thing they lack is R&D talents. At present, there are not many programmers in Liu's Group, only more than one hundred. Now it is developing and testing the Laoliu Takeaway APP according to Liu Xiahui's requirements.

For the next big move, Liu Xiahui needed a large number of R&D personnel, and now it is the graduation season, and fresh graduates can be recruited through major universities.

So, Liu Xiahui waved his hand and asked the affairs department to recruit more than 1,000 outstanding graduates from major universities, from doctoral students to undergraduate students, almost all the best programmers of this class were collected.

Of course, any R&D team must have a core figure and a program giant who can lead the team. Only in this way can they form true combat power.

The current Liu Group lacks such a big deal that can lead the team to form combat effectiveness!

After Liu Xiahui decided to participate in the competition in the mobile payment field, he already had a very clear goal in his heart. This goal was not someone else, but Zhang Xiaolong, who was respected as the "Father of WeChat" in later generations.

Liu Xiahui is not doing anything, and he is planning to make a big deal as soon as he does, and plans to make it happen before Tencent, and then launch WeChat Pay.

This idea is very simple, but if it really needs to be implemented, it will undoubtedly drop an atomic bomb on the Internet.

By then, the "enemy" that Liu Xiahui will face will not only be Alibaba, but also Tencent, the giant.

After all, in the social field, Tencent absolutely does not allow another overlord to rise, and will definitely try every means to suppress this opponent.

In this way, if Liu Xiahui launches WeChat Pay in advance, he will definitely face joint siege between Alibaba and Tencent. The pressure is really great.

Of course, Liu Xiahui can also not use WeChat, but directly use the takeaway app being tested and launch mobile payments, so as to avoid being matched with Tencent, the giant.

However, launching mobile payment from takeaway APP is like Meituan Payment in later generations, and the effect will definitely not be much better.

If you come out independently like Alipay and specialize in payment, that would be meaningless. After all, no matter how good you do, you can only follow Alipay and eat nothing. If you want to surpass it, you will have no hope at all.

It was precisely because of this that Liu Xiahui decided to grab the trump card of WeChat. Even if he faced the giant Tencent, he would be willing to do so!

The only thing that made Liu Xiahui worry was the promotional issue after the development of WeChat. After all, he is not as large as Tencent’s user base and can quickly convert QQ users into WeChat users.

Once WeChat is successfully developed, it cannot be popularized quickly, and Tencent will come from behind, that would be too fucking!

In short, he already has the promotion plan in mind. If the effect is then, he can only leave his fate to do his best.

Anyway, he had already thought it through. If he failed to get WeChat, he would lose more than one billion yuan at most. This money is just a small amount of money for him now, and he can't even hurt his fur, let alone any damage to his bones.

And if it succeeds, it will be a big profit.

This kind of business that makes big with small profits, Liu Xiahui naturally cannot miss it.

Since I decided to get WeChat out before Tencent, it is imminent to dig out the father of WeChat Zhang Xiaolong. This does not mean that if Zhang Xiaolong and Liu Xiahui are missing, they cannot get WeChat out. Instead, with him, they can speed up the development of WeChat. After all, this is originally someone else's work.

On the other hand, it can also weaken Tencent's strength and delay Tencent's development of WeChat.

Liu Xiahui has no reason not to do such a thing that kills two birds with one stone!
Chapter completed!