Money app is far from big data

Dick Silk Finance has spawned a new market, but also detonated the competition between financial platforms. Just as good credit network President Li Mingshun in the Qing Branch 2014 China Internet Financial Investment conference to share, wealth management products, but the people almost only recognized profitability and liquidity, enterprise differentiation has the opportunity. And for credit evaluation guarantee Service Z ESTF inance through the machine big Data carries on the customer qualification and the credit and so on appraisal, obtains many industry personage's esteem. But this path does not seem to have universal value for the domestic money, p p. Copper Street founder C E o He Jun that the financial a p with large data for a while a little far, for startups, to help clients do financial advisers or asset allocation more grounded gas. Shun homogeneous South reporters (hereinafter said South): Many of the current financing of a PP is through the machine's large data for customer qualification and credit and so on evaluation. Can this road get through? Xu Jianwen: Basic All Money a PP has this kind of plan. Because at present such companies rely on the sale of funds or financial products is not very profitable, the main purpose is to obtain users, so that users can be more detailed breakdown, to do some value-added services. Everyone is a packet that can be developed two times for high net worth customers. But in particular, these companies have not thought clearly, in the short term, we can only through data analysis to recommend different financial products. He Jun: I do not think too much reliance on large data, the current wealth management a PP with large data a bit far. For startups, for now, it's better to simplify, like a client telling me, and I'll help you with a financial advisor or asset allocation. It's not that complicated at the moment. Many people say that the Internet is related to large data, but I think it is a story, for example, I bought some goods on Alipay, push the corresponding financial products? This is difficult to link. On the contrary, how much money you have and how much you earn, I will help you allocate the excess assets reasonably. Back to the needs of customers, in fact, they are not so abstruse demand. South: Financial Management a PP as a sales channel, in fact, very easy to homogenization, there is a differentiated path? Gu Feng: I think homogenization is really difficult to avoid, including the provision of personalized financial solutions, the algorithm to the end everyone is similar, the combination of financial products are not many. This is the problem in a truly large market, with the emphasis on small industries. The ultimate difference is the user experience, the confrontation between enterprises, such as my a PP update faster than you, then you may lose. He Jun: I think the core is still in the configuration of financial products. First to be accurate, the second part of the product to be very advantageous. Financial products can help customers get more benefits. That's the key. Wealth Management a PP to do subtraction is very important, in fact, a good PP also has only one function. If you enrich a PP, you will lose focus. Our copper Street focus on financial management, there is no other function, I think this is the biggest advantage and differentiated path. In addition, take copper Street for example, the future we will do our ownFinancial products, this is unmatched by internet companies. As far as the whole industry, the current digging money, or balance treasure, behind the docking of the traditional financial institutions. These financial institutions are a channel, and we prefer the customer and the borrowing target docking, which can improve the customer's yield. For banks, they sell their assets to financial clients themselves, but because of the high cost of people and so on, they have to take enough profits, the rest of the customer. And some dedicated financial a PP cost will be reduced a lot, profits to the customer. Xu Jianwen: The problem of homogeneity is also the biggest problem faced by the finance a PP, it can be predicted that some of the future may fail. Essentially, it's an internet model, and winners take all. Make the difference, perhaps more to the subdivision area of mining it. For example, to make cock silk or high net worth, or subdivision industry above (including Money fund, stock, futures, insurance, peer-to-peer, etc.) to seize the core competitiveness and so on. Zhang Kaixing: For users, who's money funds are not very far, that is to see who marketing to do better, whose product updates faster, who can make money to do a fun and safe, here is the core of a PP given value. Financial a PP not necessarily can only do financial (prerequisite to do a good job, the user is quite), you can consider the introduction of Cross-border elements, such as entertainment treasure to do more interesting. Xu Ping: Finance a PP to do well, first of all, the financial products of the environment to follow up, and secondly, the team to continue to improve the financial aspects of professionalism. Think of it, selling financial products, if only a large number of marketing, the customer's doubts but can not answer, it has been opened the gap.