The business of "Earth Net" in the Internet age

When the Giants are in the O2O blue Sea Gongchenglvede, Lakara chairman and President Suntaujan is extremely indifferent.

Lakara started in the payment business, as early as 10 years ago, Lakara self-service terminals stationed in the country's major community stores. Today, more than 500,000 terminals are composed of "Earth net" covering 300 cities nationwide, providing internet financial and Community electric business services for millions of people.

Community Shop gradually installed a new hardware-"open shop treasure" to the Community electronic Mall way to help shopkeepers expand the category of goods, attract traffic, increase splitting. Suntaujan believe that the ten-year line of accumulated users will slowly migrate to the online mall, thereby achieving online and offline financing.

"Ground network", that is, the terrestrial E-commerce network. Suntaujan the "Earth Net" core-Lakara store, called: the Internet Age Community shop.

He was waiting for the "Earth Net" to be completed at the moment, in addition to the current promotion of community electric business, community finance, based on community and neighbourhood relations will be derived from a variety of business.

"Ground net" layout: Lakara Open shop Treasure detonate O2O

For "entrepreneurial godfather" Sun ran, Lakara "open store Treasure" in the promotion of community electric Business is his latest exciting point.

Since its launch in 2013, "Open shop treasure" into the community, now the number of shops under the line is still crazy expansion, Suntaujan said, there are 300 cities in the country have Lakara terminals stationed in the merchant, 100 or so in the city has Lakara group subordinate branches, they are in the construction of Lakara store. By the end of next year, the Lakara store will leap from 20,000 to 150,000 homes.

Suntaujan will be laying their own Lakara shop called "Earth Net", which is different from Ali, Jingdong online transactions, offline consumption of "Skynet", micro-letter store based on social relations "human network" and defined. Suntaujan that in the O2O mode, how to flow from the line to the line is to promote online (online) and offline (offline) connection of the difficulties, and Lakara some is precisely the advantages of offline flow.

"Each community in the shop covers about 2000 people to 3000 people living area, each store daily traffic 100-200 people, 100,000 stores, 200,000 stores add up, is very large traffic E-commerce platform." "said Sun Tao.

In the era of mobile internet prevalence, countless people will look at the mobile phone terminal, as a link line under the flow of the entrance to obtain the attention of the public scarce. However, Suntaujan but "to avoid light on the heavy", will look at the community of the composition of the "Ground network", and as the line of the flow of the entry point of concentration.

Suntaujan introduced, Lakara store based on "acquaintance relationship" business logic, when users in the community shop "open shop treasure" online shopping mall, they can choose the supplier door-to-door, you can choose to shop to pick up the goods at work. Shopkeepers, through their store-shop hardware and app terminals, expand the product category and supply chain channels and stabilize their "customer circles" through social networks such as micro-credit public platforms and micro-credit groups. The more than 10-year-old neighbourhood relationship has become a bond between shopkeepers and consumers.

The store owner at the end of the supply chain is at a loss when the tide of mobile internet is about to topple the traditional store. Without the use of the Internet, business is bound to shrink. Suntaujan said: "Lakara provides a brand, two platforms, including financial platform and electric business platform, and a supply chain solution, that is, the 1+2+1 model, for shopkeepers to provide the O2O era of business tools." ”

"When the online cost is low, the efficiency is high, the information symmetry superiority, with the offline interaction, the trust and the experience superiority unifies, the O2O only then has the vitality." Lakara opened the store is just the core of the O2O to achieve the tipping point. "Suntaujan said.

"Ground troops": 4/5 employees "advancing" to the community

In the "Earth Net" behind, Sun ran has a "Xiong team"-Now the Lakara group has about 5000, of which 4000 people were stationed throughout the country, the formation of nearly 100 branches of ground troops, the city branches in accordance with the regional grid divided into multiple business departments.

Their mission is to sweep the streets of cities, visit merchants in the streets, and assist them in installing Lakara "store Treasures" in their own shops. They also teach shopkeepers to use the micro-credit service number, to cover the Community shop to the customer's mobile phone, using the "open store" APP, to build their own community micro-trust group.

Compared to the "Skynet" and "Human network" of Light, Suntaujan blushes Lakara "The weight of the Earth network." Referring to Rimini's tactics, he took a combination of key offense and overall offense. First, in the first phase, eight or nine very important city-critical attacks were selected, followed by shifts of emphasis to six to eight cities and the establishment of demonstration zones in each city.

Suntaujan frankly: "Live under the line is very difficult to dry, so large area, so many cities, you need to organize ground troops, training up to serve." How many branches in the country, which city set up branch offices, how the city to govern, including urban areas inside how to divide the grid, how to arrange ground troops in the grid, how to carry out personnel management and motivation, this is a learning, it is necessary to explore in the experience. ”

"In the past, we in the convenience store through the Lakara of the autonomous terminals for transfer, remittance and other business, these financial services for the residents is necessary, so the store is in the financial business based on E-commerce, has a natural demand and source." In the past seven or eight years, the ground troops and offline shops have been, but cooperation is the convenience of finance, pay a class of business, now choose the right merchant, will upgrade to Lakara store. "said Sun Tao. He argues that, compared to other companies doing O2O, Lakara has a line of genes and has formed barriers.

"NET" extension: "Not late" internet finance

July 2014, "For you also" the new plate in the Lakara client quietly online, this is for credit card users to provide bills short-term compensation business, this is regarded as "Lakara launched the first shot of internet finance."

In fact, as early as 2011, Lakara announced that the central bank issued the first batch of "Payment business license", when internet finance has not yet arisen, Lakara once "close to the money."

In today's internet finance "pigs can Fly" tuyere, Lakara is like the mascot of the slow gait of koalas. Lakara's shot slowed as other giants piled up in the hot spot of internet finance.

However, the slow pace does not affect the confidence of sun ran to promote community finance, "for you also" even have a set of beautiful data to support.

"For You also" in the first month of the survey issued more than 5,000 loans, according to this trend of development, is 60,000 a year, which is almost equivalent to microfinance companies accumulated 5, 6 years to reach the scale. "said Sun Tao.

Suntaujan to the speed of the net account: Lakara has 80 million of the use of convenient financial old users, every month more than 20 million people use Lakara credit card repayment business. and "For You" is for the more than 20 million users to launch the service.

"Lakara's basic business-the convenience of payment, the concentration of the core needs of residents, which accumulated a large number of merchants and users." On this basis, aiming at the user's other needs, such as buying tickets, shopping, loans, merchants embrace the needs of the electrical business, Lakara launched other corresponding value-added services. “

The current Lakara is a group structure with six financial subsidiaries and a subsidiary of the electric business. Financial services include facilitation of payment, receipts, mobile payments, cross-border payments, microfinance and credit service.

Sun ran judged, in the "Earth net" accumulated in the vast numbers of users, the past use of credit card records are stored in the system. Lakara spend heavily set up a large data department responsible for building the system, the risk assessment, business management and the user's credit rating, setting their own credit limit, thus providing credits.

Compared to other traditional financial institutions in the community, Lakara has different target groups. The traditional bank enters the community, mainly promotes its business. And Lakara's goal is to help offline small merchants to transform the electricity business. Suntaujan Frankly, some of these community banks choose to cooperate with Lakara, in the bank to install Lakara "open shop Treasure", in order to gather popularity, increase the variety of business.

Lakara in the field of Internet finance, but Suntaujan believe that relying on the national "Earth Network", Lakara still have irreplaceable advantages.

The accumulation of "Earth Net" began in 2005. When he was 36 years old, he felt he was still young and passionate enough to set up a company after leaving his last company. So, Lakara company was established, the main "financial services."

In the 1.0 phase of the Lakara, Suntaujan has placed self-service terminals in community stores to facilitate residents to carry out daily financial services such as balance inquiries, credit card repayments, transfer transfers, etc. 2007, through the various banks to give credit cards, residents use credit card inconvenient opportunity, Suntaujan quickly in the country's major cities convenience store installed Lakara self-service terminals.

At this time, Lakara's basic business already has the user stickiness. As a result, from last September onwards, Lakara "open store Treasure" into the community, and gradually promote community power and community finance.

Sun ran the idea that one day, perhaps every residential building downstairs will appear a Lakara store, like in Taiwan and Japan, community shops will be closely linked with the residents, they are not only in there for experiential shopping, but also where the payment, repayment, copy, send and receive courier and so on.

Shopkeepers can operate more services, and customers can easily fulfill their life needs. In addition, the shopkeepers surround the residents with full community service, and the neighborhood warms every service and service provider.

And by then, the story of the Community shop will continue to warm.