Oriental Entrepreneur: Lakara surface

As a third-party payment company in the card-sending representatives, Lakara's next step how to go? This venture, Suntaujan can do? Outside the window overcast day, the thick black cloud has already had a heavy rain to hold up the strength, stands ready to descend in the sweltering hot Beijing. Leaning over the desk, the Suntaujan seemed a little anxious, until a staff member hurried in, and after the two whispered a few words, the expression on his face eased slightly. In the past few months, he was born in 1969 like a start-up entrepreneur, frequently in the new office in Zhongguancun. A few days ago, Suntaujan and several entrepreneur friends returned on foot. He liked the sport a few years ago and often "pondered and summed up" in his walk. Lakara walked for seven years and did something, but this year, he's going to start leading Lakara to a new revolution. This revolution, not only to the original Lakara product innovation, more likely to determine the future mobile payment market, the status of the warring parties, this is the key to the war. Lakara and its wolves like opponents always pay attention to this market every trouble, no one dare to lightly. A lot of people who know Suntaujan before starting a business don't doubt his ability. Among these people, his friend Lei (Weibo) for years, he was an angel investor when he did not know the profit model of Lakara, and he saw Lakara's business plan as a mentor, agreeing to associate with the investment; his partner in the blue cursor, Zhao Wenjuan, met for more than 20 years, two people who had been drunk cry, have also broken apart, have moved, have been brothers, blue cursor has been the first listed public relations company. More grassroots entrepreneurs in the eyes of Suntaujan "star serial entrepreneur" such a huge halo. 1995, he and "Beijing Youth Daily" jointly founded the "Beijing Youth Daily" computer time weekly, become the benchmark of it media. 1996, as one of six founders of the founding of China's first public relations company blue cursor. 1998 dominated the Henderson Albert handheld computer "business Qualcomm" in the 1999-2001 sales miracle. Suntaujan has not yet expected his thoughts on entrepreneurship and management set the "entrepreneurial 36 rules" will affect a large number of people, someone "read it seven times", someone "put it on the workbench as a dictionary at any time", in the Amazon bookstore, the book long-term management books in the top 10, watercress (micro-blog) The literary youth also gave it a rare 8.2 high score. Although unwilling to do the so-called entrepreneurial mentor, but he also happy to see some of his own experience to others some help. Lakara this part of the venture, is the first six paragraphs in the experience of entrepreneurship, plus the "entrepreneurial 36" summed up the experience and lessons, and then put into practice the process. Lakara's original intention, is to allow users to carry out various types of recharge business, become convenient and quick. After seeing the bank queuing scene, Suntaujan that this kind of demand solves the method is a hardware, retains the user to carry on all payment action the card habit, simultaneously saves the time. Coincidentally, in 2005, the WTO asked China to openThe financial sector, China UnionPay also want to do the payment business, and please come to the business era has had successful marketing experience Suntaujan to do lectures, froing, the idea of doing this is more and more strong. In the 2005, Lakara was founded, followed by Suntaujan, most of the old men who had previously started their business. Some people in the founding group said frankly, "at that time, I didn't fully understand the idea that Sun always described, just because I believe this person, just come with him." Lei, for the same reason, started out as an Lakara angel investor. The first batch of employees to do is to Lakara terminals in the Community convenience store. Shanghai is the first Lakara terminal promotion effect of the best city. Ten years ago, Accessibility Mart will be headquartered in Shanghai, and 7-11 although initially opened in Beijing, but large-scale unified open shop also chose this city: a little more than Beijing, urban area is only the equivalent of One-fourth of Beijing, densely populated and urban construction of high degree of modernization, Convenience stores can provide convenient services have become a part of the public life. And, in line with the style of all the merchants in the south, convenience shopkeepers have a strong sense of service, they are willing to try new ways when they can make money for the convenience of their customers. People go out to buy a cup of soya-bean milk, drink a yogurt, eat a steamed stuffed bun, and then hand over the electricity and water gas fee, credit card, or go downstairs to credit card, and then buy snacks and cola to take upstairs slowly eat, have been accustomed to things. In this process, Lakara earned it to want to earn the handling fee, convenience store shopkeeper got the charge of the partition, also tying up the goods in the shop, two birds with one stone. Like a spell "open sesame", the pioneering Lakara has door-to-door business, completed with the first chain convenience store fast passenger, the first bank Ping an bank and the first supermarket chain Wal-Mart cooperation, more and more merchants to seek cooperation. There are more large-scale financial institutions, commercial banks and large supermarkets, hypermarket brands. In 2011, Lakara was incorporated into Beijing three-way project system through bidding, and 4,000 convenient payment points covered all supermarkets in the city, convenience stores and stores, and the line of business that can be completed directly through Lakara is also widening. The latest data show that Lakara terminals have been all over the country 300 cities, 60,000 convenience stores, in a considerable number of cities, Lakara than in the past, the largest postal savings are also common. Can be a bold estimate, assuming that all the convenience stores, supermarkets and hypermarkets all over the country have a Lakara terminal, relying on the division of fees to obtain the profit is a limited amount, its next growth in where? Layout Suntaujan Office Corner, lying quietly a pair of chess board, "long Time No," Sun ran sigh. But then asked the favorite chess player, he immediately came to the spirit, "My favorite master is Wu Qingyuan, speaking layout, of course, I also like to kill." "is known as" Showa Qisheng "Wu Qingyuan the most prominent style is the pursuit of freedom on the board, pay attention to the layout of the speed, the method of light good, the local not too much to investigate. Suntaujan applies the Layout method in Weiqi to Lakara forFour steps, covering public services, merchant services, personal services and value-added services. Public service is "doing good", in more than 300 cities, through the convenience store terminals, has accumulated 40 million or 50 million of users. Merchant Service is "do small things", the community Shop this kind of original can not credit card consumption place, now also has multi-function card machine, can pay, but also can collect. Over the past seven years, Lakara has basically explored the best way to do these two things, and now it is to promote them. At the moment, Lakara's focus is on serving individual users, "doing personnel" while advancing the fourth step-the speed of providing value-added services. For the individual user market, Lakara has tried. In addition to convenience store terminals, Lakara has launched a household card machine, card phone and Super shield and other products. Home Card machine is the first attempt, did from the convenience store terminal to the family migration, after the swipe card telephone, will target the user to lock directly for the old person or the movement inconvenient household personage, the Super Shield is connects the computer the peripheral payment terminal, the transfer, the credit card repayment, the net buys and so on the movement, may complete once. Sun ran over the past two years also noted the changes in user pay habits. With the advent of smartphones, many users have begun to pay directly through their phones, and the popularity of Low-cost smartphones is what is about to happen in the next two years, and the consequent influx of users will likely make a huge difference to e-commerce and bank payment systems. A year or two earlier the layout of the smartphone was a must. This May, Lakara launched a mobile phone card reader, a One-fourth credit card size gadget, through the headphone jack and mobile phone connection, and then downloaded by the app registration activation, the mobile phone has become a mobile card reader. This new product to the Sun ran a huge surprise, two months, shipments reached 700,000 units. Previously, Lakara estimated conservative, only to the factory under the orders of 100,000 units, did not expect, after the launch of a week, received a reservation reached hundreds of thousands of, after a full two months, the first week of the order all sent out. And the reason, Suntaujan that the mobile phone card reader is the best solution to the long-distance payment. Before this, the method of long-distance payment is nothing more than two kinds, one is to bind the phone with the bank card, the other is through the Virtual intermediate account (Alipay or tenpay, etc.) to pay. But Suntaujan believes that both methods are too complicated, such as Alipay to complete a payment process at least four different passwords, direct binding and lack of a certain security, and the limit of payment limit. "Shou is surprisingly alongside the rich," Lakara to the "rich" is in the public terminal has been familiar with the brand users. The value of this gadget is reflected in the idea of not having to wear clothes to get out of the house and find a convenience store to pay for a sudden blackout, sudden arrears, and bad weather. and mobile card reader is also in the public terminal on the basis of further expansion of the function, transfer remittances, buy lottery tickets, such as a series of more personalized services. In the trunk of Suntaujan, there was always aSome Lakara mobile phone card reader, see friends often send a few out, "do not need to set a separate password, what card can brush, there is no payment limit, in addition to selling 199, it is the whole body is the advantages." "Of course, allowing users to spend less or even without spending money on the experience of the convenience of mobile card, it is more conducive to its market occupies a place." Lakara and mobile and unicom do activities, save a certain amount of money, you can get a free mobile card reader, with the electric business active cooperation, for example, buy millet mobile phone, add 99 yuan, can obtain a card reader (most buy millet mobile phone users will choose to add this 99 yuan), Next, Lakara will also unite more merchant and courtyard line, For example, buy a card to send five movie tickets and other activities, Sun ran the so-called "only shortcomings" will be overcome, this depends on too many partners fancy Lakara many advantages, willing to pay for consumers this hardware costs. At the same time, in order to maintain the vitality of public terminals, Lakara is ready to upgrade the facilities of the convenience store and the merchant, and the terminals will be replaced by the new multimedia terminals, which will not only keep all the services now, but also be based on lbs service, leaving a larger space for imagination. "Now can determine the business is to print coupons, buy lottery tickets, buy movie tickets, buy performance tickets all kinds of, the future is possible, in the entire system to carry out point-to-point advertising push." Suntaujan excitedly described his idea, "such as one day, I send you a message coupon to tell you, ' with this message, you can get a pizza at Pizza Hut 300 metres from your home." Point？ Perhaps no one noticed that, with the introduction of mobile phone card, Lakara ads began to appear in the advertising terminal of the audience. "It was the first time Lakara, and before that, we didn't spend a penny on the ad," he said. "Suntaujan is an expert in communication, and Lakara's style is to do something, or not, to do it to the extreme." The framework of the audience is only the first step to promote the war, the following, there are a series of internet promotion, SNS marketing and micro-film and surreal implantation. This is what the mobile Internet era needs to do, he says, and an effective channel for the spread of mobile payments. In a way, is this high profile also faint reveal a message, Lakara is about to usher in the turning point of profitability? Over the past seven years, Lakara's main source of income has been in the division of various transaction fees. After the distribution of banks, receipt agencies and transfer agencies, the Lakara of each transaction will be approximately 20% per cent of the total handling charge according to the central bank regulations. From the macro-data point of view, Lakara income every month is growing, if want to profit, completely no problem. But it's a bitter business. The 60,000 terminals throughout the country provide revenue, but the expansion of the terminal network still requires continued input. "Third party payment is still in the stage of opening up the territory, I think it's a big market, but not necessarily a big cake, because the main profit is in the hands of the bank, the financial business only it can do, third-party companies are impossible." "Suntaujan said. In seven years, Lakara has done a lot of accumulation.On this platform, there are thousands of contributions, behind the thousands of contracts and difficult to count the technology docking, debugging and clearing the path. As a result, there are only a handful of national services available for all third party payment licences. At the same time, Suntaujan that the biggest misconception that competitors are getting into is the imposition of solutions that they consider to be a good solution to the industry and to the user. Sun ran not anxious not dry, Lakara should be firmly as a "partner", never consider to build ecological circle, industrial chain, do all the things downstream. "If all is done, still depend on social division of labor?" "I first let my partner make money," Suntaujan said. The rest of my natural will make money, I must let my partner to make money, if the partner through with your cooperation all make money, then I certainly also made money, if they did not make money, I certainly also make money. Suntaujan didn't think it was the hardest time of his own entrepreneurial experience. This thing has gone beyond pleasure and become a duty. He paints a vision for shareholders and employees, and he has to take everyone to it and not be defeated. Electronic payment for so many years, there should be a simple, so that everyone can accept the way. Nearly half a year, Lakara has been expanding into a company of nearly 4,000 people, Suntaujan still think the most intractable problem is lack of people: "There is a competent person, we can walk faster, or to solve a certain matter faster, although this six months into a lot of very good people, or not enough." "On the flip side, the internet has not been able to create a brand that is suitable for the use of its own habits, the absolute dominance of third-party payments, and there is plenty of room for advertising, search, shopping and social services." This is the chance of Lakara.