Offlinetoonline

In a recent book titled "The Age of Financial e", author Wan Jianhua said: Bill Gates asserted in the 90 's that traditional commercial banks were a group of dinosaurs that would be exterminated in 21st century. The 21st century is just beginning, it is not easy to say whether this assertion will be true or false. But in reality there was such an example, which is quite interesting to ponder.

In the 94, the United States was born a real net bank SFNB (the first online Bank of American Security), completely dependent on the Internet to operate. Officially opened in October 95, to 98, attracting more than 10,000 customers, 99 deposit reached 400 million U.S. dollars. In October 98, however, it was the Royal Bank of Canada, which owns $186 billion trillion in assets, to acquire a wholly-owned subsidiary at 20 million US dollar price, providing internet banking services to clients of the Royal Bank of Canada, a traditional bank.

Wan was born in China Merchants Bank, and was later appointed to build Chinese UnionPay, a veteran of the financial industry. He certainly has some so-called "traditional industry" stance, but what he said is true. I recently dimly sensed that the so-called traditional industry, which seems to be offline, uses digital tools, which are easier to penetrate into offline than online companies. Often people say O2O, in the end is Online2onffline, or offline2online?

The feeling became more apparent last week when I went to a micro-mail conference in Tencent. Frankly speaking, I don't care about what "micro-letter is not a marketing tool", "all the time jokes end up being a joke" or something like that, I have always dismissed the position of the media, but it is that several offline enterprises using micro-letter to expand customer service (well, customer service, say again, Must be the customer service also to be counted as the marketing of the perpetrators, suggested that the basic homework first, let me very shaken.

A China Merchants Bank (the micro-letter), a national museum (strictly not the enterprise, but the reference), a Southern airlines, are called "traditional industries." These traditional industries are not traditional to ears, they will also find new tools and ways to improve operational efficiency, reduce costs, but also improve the consumer experience.

For example, the public account of Southern Airlines, using it can be remote value machine. The airport needs to arrive half an hour early to get the boarding pass, but most of the time it won't be half an hour from the boarding pass to the formal boarding. Assuming you're 10 minutes late, you'll have to miss the machine. The use of public numbers to value the machine and the use of two-dimensional code boarding, is a lot of people's Gospel (there is no discovery, the wrong machine sometimes is bad so seven or eight minutes). And China Merchants Bank has moved almost the personal banking (Non-cash part) to the micro-credit, which has brought a lot of convenience to the mobile scene in dealing with personal finance--the lack of interactive text messages cannot be completed. As for the National Museum, the common number is convenient for those who have visited the relics before they know it. Application scenario: Students go back to writing after visiting, haha.

But these offline did not move the core of the business to the micro-letter, and China Southern Airlines and the National Museum is not the core of their own business to move online, micro-letter of the public only to make them more easily at the same time to reach two: 1, to provide consumers with better services; 2, reduce costs. And the 1th will allow consumers to become repeat customers, continue to contribute to business value. This is a typical traditional industry with digital tools, the process of transformation, as mentioned in the Royal Bank of Canada mergers and acquisitions of a pure online bank to provide customers with more efficient services.

The media industry is one of the traditional industries that have been hit by the digital economy. But if you analyze the media industry, you will find that its business is essentially "information flow", which is very easy to be replaced by the digital economy. But the aviation industry, the tourism industry, which is essentially not the flow of traditional industries, where it is so easy to be overwhelmed by the digital economy. Such a future may be more likely: they absorb digital tools and upgrade to a traditional industry with a digital economy, or 2.0 of traditional industries. (The financial industry itself has a strong security need, not a general entrepreneurial team can dabble in)

I always have a feeling, the pure digital economy, the chance will be less and more, bat or warring, Phine everywhere passes. But the opportunities for upgrading the traditional industries will be relatively large. When they are upgraded, they are forced to do so, have the initiative, and sometimes do a number of things that the wife thinks is silly, but this is the inevitable growth, and then to say: "You will die, saying that premature."

Mention a taxi app. The matter is very much discussed, recently Beijing has a taxi company to do their own taxi app, Tencent Technology has specifically to evaluate a bit, slot a lot. But this is "mangy disease", how can a taxi app replace the taxi industry, to be honest, so far even their own how to make money do not know where. Can taxi companies rely on micro-credit numbers to dock with consumers? I see the line.

There is no such thing as traditional industry, which is that they are vested interests and hinder progress. Well, if you want to be an intellectual critic, that's right. But if you are a real practitioner, the barrier to a vested interest must be the variable you consider: it is impossible to stop the vested interests from coming out. Their block one is to kill you as much as possible, and second, to promote themselves. What's the point of being so powerful in business as a king? You are a businessman, not an intellectual.

Over the next decade, it will be the era of a major upgrade in the traditional industries, with some business organizations dying and some business organizations upgrading successfully. Micro-credit may be providing tools for their upgrades, which seems to me to be no good, Tencent, traditional business organizations, consumers have their own interests. And try to subvert certain industries, do what they can, not subversion into, what good to shout grievances?

This article is composed by the main Wei of the ittalks, and welcome to the micro-letter search to subscribe to the public account, or the Sohu News client technology channel subscription "Wei Wave"