Credit Card Mall is very chicken, the financial department of Electrical business to seek a breakthrough

With people's acceptance of online shopping more and more high, in the era of China's big electric business, whether it is platform electric, vertical and commercial banks, various fields are staged a wonderful show.

Because the credit card business and E-commerce have a common attribute-consumption, so, with the domestic credit card business continuously improve and expand, from attracting new customers, maintain the perspective of old customers, many credit card centers have established a credit card mall.

June 2012 CCB launched E-commerce Financial Services platform-good business, 2013, CCB will be the original CCB credit card mall into a good and financial business, carry out the characteristics of credit card points to exchange electronic coupons business, this innovation will be the market recognition?

Credit Card Mall is very chicken

Credit Card Mall property and the traditional mode of electrical business and different, at the same time, the major electric dealers in its goods of cheap, logistics advantages, good after-sales service, so from the current point of view, the credit card mall seems to be a chicken, in the bank's credit card mall run not smooth, In August 2013, the credit card mall, which was heavily invested by the low Societe Generale bank, ended in "liquidation", according to the official explanation of Societe Generale, the traditional credit card online staging mall, although relying on the bank Tens customer data, but because of its business model is limited by the size of the mall, the characteristics are not clear and other factors, the effect may not reach expectations, That is why the suspension of business was announced.

Since 2013, credit card online mall has been a lot of negative news, but also let consumers worry more. Also in 2013 of June, known as "China's best business model" credit card shopping platform "billion shopping" suddenly filed for bankruptcy. A large number of credit card users have paid through the bank, facing the risk of not being able to recover payment. A joint-stock bank Credit card mall has appeared phenomenon.

The author of other bank credit card mall sales and traditional electric dealers also compare, credit card mall Most goods turnover is not much, then in such circumstances, the bank opened the credit card mall whether it is profit or to obtain user data, it seems difficult.

The Financial department electric dealer seeks the electric dealer to break through

In fact, the comparison of credit card mall and traditional electric dealer also has its advantages, relevant industry experts said, from the advantages to see, first of all, the bank Credit Card Center as a professional financial institutions, relying on the bank's brand awareness and accumulated over the years of credibility, with the general traditional electricity dealers can not have a huge advantage of goodwill; The credit card has accumulated the huge customer resources and the cooperation merchant resources which lets the traditional electric dealer envy, at the same time because the profession characteristic, also has further mastered these customer rich behavior data information, these are the credit card electronic commerce has the innate superiority.

So, how to develop domestic credit card mall? Is there a value that continues to exist? In this respect, notes visited a well-known experts in the industry, Mr. Chen learned that in the era of large electric business, the financial department of the Electric business to seek development needs to use their own advantages to transform, the removal of credit card mall in the field of electricity business disadvantage. According to Mr. Chen, the Construction bank, which is willing to eat crabs in the banking industry, pioneered the "good and financial business" banking power in the field of finance, and the CCB credit card Mall "Dragon Card Mall" into good and financial business, pioneering to carry out a credit card integral exchange of electronic coupons business, while expanding the credit card shopping mall users points of access, From strategic planning, resource integration to user penetration and user experience have been promoted, at the same time in the Internet financial War, CCB also put credit card mall "Dragon Card Mall" into the Internet financial war slightly under the layout to open up the occupation of the market.

For the future of the banking industry, the banks, whether adhering to the original mode or like the construction Bank dare to innovate, must have a pattern in line with the development of the Internet in the era of the great power to share a cup of soup.