Community e Service Yu Xiaojun: Community O2O Real competition points in invisible backend services

Absrtact: Community E Service founder Yu Xiaojun today, the founder of the Union UnionPay CEO, Community e-Service co-founder Yu Xiaojun in an interview with Tencent Technology, said the Community e service is a bank of financial services and small and medium-sized merchants integrated O2O platform, by creating the last kilometer with

Community e Service founder Yu Xiaojun

Today, the CEO of the Union UnionPay, Community e Service founder Yu Xiaojun in an interview with Tencent Science and Technology, said the Community e service is a bank of financial services and small and medium-sized merchants integrated O2O platform, through the creation of the last kilometer distribution for the community to provide life peripheral integration services, the surface is a page and other product level competition, Actually really compete in the invisible backend service.

Community e Service is a new community O2O project that has been listed as a financial security control intelligent Terminal Provider-------------officially launched in April this year, the main branch of the merchant side (facing the merchant), Tang (distribution services, link merchants and users), server (facing users) three app and a financial payment platform. The client-oriented service is the Community e service. The Butler end solves the problem of the last kilometer life dispatch service of the city's main community residents.

At present, the Community e service mainly includes: Take-away, gourmet, department stores, beauty, life services, domestic maintenance, financial and other community O2O services, mainly for users near the business to exert force, such as the user can be directly under the app to buy their own community supermarket things, online with the same price, can be online payment, but also support the delivery of goods to pay.

In reality, the community O2O has not been a new thing, before Shun Fung has launched the Hey Guest, Jingdong also with 10 convenience stores, can be said from the traditional related industries to the Internet, all parties began to O2O in the beach community.

In Yu Xiaojun's view, community e services and previously shun Fung out of the community O2O shop Hey guests play completely different, hey guest is to do a line of the physical store, and provide large logistics services, and Community e service is mainly to launch an online trading platform to solve the community within 1 kilometers of service life distribution. "We are bringing in communities around the community and docking the community's own businesses and users to deal with business, information services and life distribution on this platform," he said. Users on the platform can be directly to find the usual often go to the entity merchant, has long puzzled the electrical business after-sales service problem has been resolved. ”

According to Rei Zhigang, vice president of the Union UnionPay, one of the biggest selling points of the Community e Service is the financial community, where users can conduct cross-border transactions with almost all major banks through their electronic accounts, transfer, extract, and 0 handling charges. In order to resolve the user in different transactions between banks of the cumbersome link. At the same time, users can also use the built-in Phoenix Treasure Cash account for the money, the daily benefits can be seen in real time, the provision of these financial services are real banks, to ensure the security and profitability of the fund account. It is reported that the financial services will be launched next month. After all, the parent company of Community e Service has a lot of financial resources such as banks, and it also seems logical to launch this business. At the same time, in the financial transactions behind the scenes, can also attract users directly in the Community e service transactions.

It is understood that the previous mainly for enterprises to provide financial services to the traditional enterprises to create UnionPay in two years ago began to transform the Internet. At present, the Community e-service mainly and Beijing rural commercial banks to carry out strategic cooperation, its platform has entered 5 million of the country's merchant information, of which the Beijing area reached 160,000 businesses, has been the million home and provide services.

For now, the business is completely free. Yu Xiaojun said the future will consider the profit model such as commission, mainly for the value-added services brought to the merchant. "Through this platform, one solves the problem of the sale quantity of the merchant, secondly convenient user, life service radius is shortened, the purchase frequency also increases with it." ”

However, the community o2o very bitter very tired, and difficult to do overnight, the follow-up needs to be step-by-step, in the industry to continue to develop.