CCB Cross-border electric dealer Rob data: Pay Enterprise pressure

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The CCB Electric business platform will provide two kinds of customer operating modes for business-to-business and Business-to-consumer. IC Supply Map

Financial services integration of E-commerce not only improve customer "stickiness", but also will grasp the most valuable resource data

Just as major payment companies are busy fighting for the distribution of "enclosure movement", the financial circle's "big Guy" is also officially cross-border into the electricity business. Recently, China Construction Bank (hereinafter referred to as "CCB") 's E-commerce financial services platform, "good business" officially online. The general manager of the bank's electronic banking department said to reporters that the main reason for the bank to enter the electricity business is "rob People" and "rob the data", the bank will not only improve the customer "stickiness", but also will master the most valuable resources ——— data in the future mobile era. The vice president of a large paying company also admits that banks ' integration of public and private resources and financing services is a natural advantage: "It does have an impact on existing platform competition, especially for big retail companies".

Integration of financial services in electronic commerce

The biggest difference between "good business" and other bank E-commerce platforms is the integration of financial services and E-commerce services. "Some of the services similar to online shopping malls are the extension of bank card services, the bank's main income or fees." The purpose of business is to create a platform that includes B 2B and b 2C complete business. The person said.

If you log in to CCB's "good business" platform, the page and the service and the platform difference is not small, according to the current including clothing, bags, books, electrical appliances, such as 14 categories of merchandise. However, CCB introduced, customer consumption in addition to the traditional payment method can also take the loan payment or combination payment (ordinary payment + personal financing installment payment). This link fully embodies the combination of electronic business services and financial services.

According to Ali Group an insider, after the construction Bank has cooperated with Ali Group, the use of customers in the online accumulation of credit data and behavioral data, analysis of customer credit status, for small micro-enterprises to provide 1 million yuan below the small credit loan. CCB has found a set of "micro-credit technology." Therefore, CCB's "online shopping mall + on-line credit" is also prepared.

"Rob People" and "rob the data"

According to the introduction of CCB, at present the platform will provide "Enterprise to Enterprise" (b 2B) and "Enterprise to Customer" (b 2C) Two kinds of customer operation mode, covering commodity wholesale, merchandise retail and other fields, to provide customers with information release, transaction matchmaking, community services, online financial management and other ancillary services; In the area of financial services, will provide customers from the payment of settlement, custody, security to the financing services of the full range of financial services. Before ICBC, China Merchants Bank, Huaxia and other banks have launched similar e-commerce services.

A joint-stock Bank Electronic Banking Department general manager told reporters that after the bank launched the E-commerce model is simply "buy goods", and CCB if the successful integration of the electronic business services in the background resources, such as corporate customer and individual customer integration, At the same time for the company to provide customers from the counterparty to the fund management and financing of the one-stop service, which on other electric business platform will bring a small blow. But for CCB's "cross-border" approach, the general manager is considered to be the inevitable path of large banks. "The main reason for the bank to enter the electricity business is ' rob People ' and ' Rob Data ', the bank will combine the financial and e-commerce services to not only improve customer ' stickiness ' while also mastering the future mobile era of the most valuable resources ——— data. Although this platform can not see the lethality of the end, but if the bank does invest in resources to develop this business, and then mobile banking and other mobile payment means to combine, for the electric business is also an opponent can not be underestimated. The general manager said.

CCB said that the bank's large customer base, but also for its foray into E-commerce to provide a customer basis. CCB said on its website that the bank has more than 100 million online banking users, as well as more than 60 million of mobile banking users.

Payment companies say "pear big"

For banks to enter the field of electrical business, has been busy with the big electric companies pay the company also said "the pressure of Alexander." The vice president of a large pay company admits that banks ' integration of public and private resources and financing services is a natural advantage: "It does have an impact on existing platform competition, especially for big retail companies". However, the head of the electric business enterprise said to reporters, even if the bank set up a platform for electricity, electronic business enterprises and Third-party payment platform still exist space. "Only the future of the electrical business sector will be further subdivided, the bank's electricity business platform needs to integrate a considerable amount of resources, while its user experience is constantly upgrading is the challenge of the future." Compared to the professional electric platform, the bank will learn a lot of things. The person said.