"Speed refund" forced the existing network to buy after-sales service

January 5, the People's Bank issued the "to do a good job of personal credit service preparation of the notice" to "three horses" led by Ali, Tencent, Ping ' an and other credit agencies to obtain personal credit card "entry voucher", open personal credit service market.

Soon, Ali launched a network of personal credit for the application of innovative applications "speed refund." According to Ali's setting, according to the comprehensive assessment and membership level, Taobao members will receive 300-1200 Yuan unequal "speed refund" amount, that is, the owner of the quota only in the return refund application after filling in the return of the number of returns, Taobao will be for the seller to advance the money to the buyer, Refunds will not exceed one second when returned to buyer's account. If the cumulative refund amount within the credit limit, the buyer can unlimited use of speed refund service.

Currently, the current online transaction refund process, buyers need to communicate with the merchant "refund Application", and then express the goods to the merchant, to be returned to the merchant and confirm the correct, to get a refund. If weather problems, express delivery delays, etc., will delay the entire refund of the progress, not specifically set up to deal with the return of customer service or directly wired the Commissioner's online shopping platform is particularly difficult. However, Taobao also warned that if the buyer in the speed refund process there are false returns and other dishonest situation, and Taobao customer service staff issued repayment notice, 7 days still not repaid, the system will be evaluated to cancel the buyer's speed refund privileges, but also affect the buyer in Taobao personal credit evaluation.

Fat Cat thinks, this time Taobao launched this service, to the entire electric business industry after-sales service is also a challenge. In other words, Taobao users on the platform to enjoy the instant refund service, it will naturally be the experience of the hope that the other electric platform, the formation of user habits will likely subvert the existing online shopping service.

With the rapid development of E-commerce, the whole network shopping system will enter the new ecosystem cycle, it should be said, "Speed refund" is based on "good faith", not only shorten the original refund cycle, but also maximize customer satisfaction and stickiness, The focus is to create a virtuous circle through the establishment of a credit system to purify the whole network shopping platform. The promotion of this service is likely to lead to other electric operators to follow up, and the formation of online shopping service new standards.

Now for good credit buyers can enjoy speed refunds, perhaps in the future on the dating site, you can also pass the credit data to screen Blind date, so that the good faith record of the marriage seekers get more services; in renting, you can through the issuance of credit reports, smoothly through the landlord inspection; in the job search, you can obtain the recognition of the Unit by credit report ...... Credit markets have long been considered the next "gold Mine" of the Internet. According to Macro-source Securities analyst forecasts, China's personal credit market space of 103 billion yuan, and the current personal credit and corporate credit to the total size of only 2 billion yuan. The credit economy has both market demand and great late potential, and bat has advantages in this field.

Whether personal credit is open to the Internet, or the impact on individual consumers far more than virtual credits online shopping. Because BAT's business covers almost everyone's daily necessities. From this point of view, we also see the integrity of the entire system in the field of Internet extension, if you are not good faith, then you can not enjoy the privileges, on the contrary, because of integrity, you will enjoy more extended benefits and convenience.

It should be said that China credit system construction This commercial interest cake is very big, who seize the opportunity, who will seize a growth of high industry, and have the opportunity to make a profit. On the Internet on the platform of the test water, the future can also be fully reflected in the national "good faith platform", so that personal integrity files, integrity records to become professional convenience card, polished enterprise integrity "gold business card", so that the good and trustworthy people everywhere, the breach of faith.