Speaking of mobile payment in China, we can not help but mention Alipay. Now the members who use Alipay have reached nearly 1 billion people, not only in China, but many countries in the world are slowly accepting the convenient consumption concept brought by Alipay. And with the continuous development of Alipay's functions are more and more, more and more close to life. This month Alipay is more popular than flowers. 1.5 billion red envelopes, have you received the invitation code from your friends?
Because of the existence of Huabei, many people think it's very comfortable to spend the future money this month, and they don't need to do any handling fees. Especially for office workers and white-collar workers, this function solves the consumption needs of many people. Now Huabei has the function of installment and minimum repayment, but it needs to pay a little interest. If the repayment is made on time every month, there is no handling charge. The problem is coming. Many netizens worry about Alipay. How do they make money?
Just remember that Ali will never make a loss business. A drop in the bucket of money, which is a balance of money, will be paid to us. The interest of the balance treasure is a great expense for Ali, but let's think about the interest that is kept in the balance of the money. What's more, the interest in Alipay is so huge that Ali has such a huge amount of money. Cash flow, can he earn more? So this is not a loss business. As we all know, the saying "wise men should relay", which is Ali's way of "fighting with strength".
Also, some goods can be purchased in installments through Huabei. If we choose these installments, interest will be generated. Such an order will also pay a certain fee to Alipay. We should always understand that 'wool always comes from sheep', and most of the handling fees are borne by consumers. After all, not everyone can complete the payment before the specified time, so that Alipay will have an extra benefit.
Why does the day of payment for flowers spend on 1 every month, and before 10? What kind of routine will there be? According to some friends, Alipay has made a survey in this area, and it is possible that 20% of the people will pay 10 what they normally do before. 60% of the people are paid from the 10th to the 20th, and the rest are paid after the 20th. When you check your salary, what time does it arrive? There is no payroll during the use of flower, so most of you will choose to pay installments. At this time, Alipay will get some interest. So Alipay is sure to win.