Societe Generale shut down the credit card online shopping mall behind: Bank to do electric business defects

Customers, prices, logistics and so on are its difficult to break through the bottleneck, the development of electronic finance and credit platform is the future direction

In another four days, Societe Generale's credit card online mall will be officially closed. Its website announced that because of business adjustment, will officially close the mall on August 31. For customers who have ordered the goods, they are processed normally. This news, let the industry again pay attention to the traditional bank in http://www.aliyun.com/zixun/aggregation/21302.html "> Electric business development of awkward bottleneck."

Reporter learned that at present, many banks in its official website opened Online Mall. In spite of years of operation, the families rarely mention their performance.

Customer

Small number of customers Limited

Societe Generale credit card online staging mall closure is not accidental. "The most fundamental problem is that banks limit the customer base, and some banks have less credit card issuance, which restricts the development of credit card stores." "said the head of a commercial bank credit card.

Not only is Societe Generale, Morning News reporter in the bank of the online mall to understand that banks only recognize their own card customers.

Price

Online shopping malls are generally high

The morning News reporter browsed several bank's credit card online mall to discover, compared with the large-scale electronic commerce platform, the credit card online mall obviously lacks the price superiority.

Take Apple ipad Mini 16G For example, Jingdong Mall's price is 2498 yuan, and in the Societe Generale credit card Online mall, the price is 251.5 Yuan 12 period, the total price of 2586 yuan, the cost of 88 yuan.

In order to compete with the price of electricity, there is a bank with the official Apple Mall cooperation, at the official price of 2498 yuan, the introduction of the free of charge by the 18-month-old installment method, the minimum monthly repayment of 139 yuan. However, activities like this are only a handful.

Delivery

No self-built logistics delivery time is long

With the Beijing-east, the cat and other large internet power providers, banks do not have a self-built logistics system, distribution can only be third-party agencies, or the merchant itself shipments.

The reporter selected a brand printer for comparison. In the day cat online, merchants can ship the same day. But the credit card online mall needs to confirm the order and the merchandise information after 2~3 within a working day to deliver.

After the sale, some bank credit card mall refused to return, some customers need to bear the penalty of 100 yuan per item.

Break

Reference Ali mode do small microfinance

At present, there is no more mature profit model of the bank electric business case. But for banks, E-commerce is the market that must be laid out.

"We have referred to Alibaba's financial model to do some small micro-credit, to provide supporting financial support." "A national joint-stock Commercial bank credit card center related officials said that many small and medium-sized enterprises to Alibaba loan is because the bank's higher threshold for censorship, if the banks involved in internet finance, may reduce the lending threshold for small and medium-sized enterprises."