Big data screening credit buyers

Size is not allowed, the season the new purchase less, no evaluation, small things do not know whether it is their own style ... ... electricity supplier recently test the water, "try before you buy" swept away your tangle.

Recently, an electricity supplier to "Daren member" issued an invitation to launch the "try before you buy" service. It is learned that consumers can pay within a certain amount of goods without paying, if not satisfied can be unconditionally returned. According to the experts in the industry, the flexible online shopping methods such as "payment first and then payment" and "installment payment" have injected new vitality into the e-commerce industry.

Big data screening credit buyers

At present, the service has been in some garment sellers in trial operation for nearly two months, according to consumer habits to determine each consumer can "try before you buy" range of goods, currently only to Lynx "T1 ~ T3 grade up to Open, consumers who have never shopping in Lynx need to freeze a certain amount of money in the balance to try the service, and each consumer "try before you buy" range, the amount of equity, the repayment date is not the same .

Consumers choose to have the "try before you buy" logo of the goods, direct orders, do not have to pay, after receiving the first trial experience, the appropriate and then payment. If you think it inappropriate, you can choose "I tried, I feel inappropriate" direct return, do not have to communicate and communicate with the business, the resulting freight will be confirmed after the return of freight insurance to compensate. The first time consumers choose to try after the purchase of goods, the system will help consumers determine a repayment date, when consumers try to buy favorite items, confirm the receipt only after the repayment date can be paid.

However, if consumers fail to pay in time, they will no longer be able to enjoy the "try before you buy" service. After the payment is made and there is no non-compliance within a certain period of time, they can be unfrozen and enjoy the service again.

"Credit" financial products frequently

Statistics show that since the trial operation on June 12, nearly 20,000 items have been provided with a "try before you buy" service, over 126,000 buyers have purchased 134,000 items, and 87.2% have completed the transaction.

It is understood that the "try before you buy" service took the lead in the apparel category started in the future is expected to cover other vertical markets. In addition to "pay-first white", installments of "credit" financial products also began to appear. If you buy a laptop online 3999 yuan, three payment, each payment of 1333 yuan, do not spend a penny to move the computer back home. Lynx's "installment" service through Ali will be a one-time payment of goods to the merchants full payment, consumers re-installments to Ali, a small loan to support 3, 6, 9 payment, 3 free fees .

In fact, the "trial and then re-payment" model is not the first of Lynx, Jingdong (28.21,0.17,0.61%) previously launched "Jingdong White Stripe" has also been seen as a combination of online shopping and Internet finance. Consumers in the event page click "grab white", enter personal information to activate online banking wallet, bank card selection real-name authentication, you can check to see if they are eligible for "playing white stripes", the maximum credit 15,000 yuan, 30 days payment can be Interest-free.

Consumers Dangdang (12.82, -0.03, -0.23%), Suning Tesco, Gome online shopping can also "credit", but these are all business and banking cooperation.