The changes brought about by Internet finance: whenever and forums are participating in

Internet finance has narrowed the spread of financial consumers around like the stars in the sky: those who enter the bank's insurance lobby are only the ones who go to the ATM, those who think that the bank account manager is too tall to close their coffers, those who like to play high school, play, Like playing investors, those who think traditional institutions inefficient to meet their fast-paced, high return of the pursuit of the people.

Taking stock of 2014 years of active Internet financial market, we found the following 8 changes:

One, "Can't Wait" consumer

installment, used to be a feature of the times, every month to take a paycheck to run the bank to save up, from the beginning of the year will never be taken out to spend it. Now is the early consumption era, after the wages of both thinking of money, also have to change at any time consumption, can not let money locked in the bank does not move, so the internet baby products are prevalent. Again such as the dot line, in the year to solve the problem of network queuing is a very popular innovative way, at least have a seat, have a station, there is expected to wait.

And in today, our time to count, work busy, work, the best online processing, or door-to-door service, if you must go to the physical outlets, also do not want to wait, even do not care to sit, if you can lidengkequ, would rather be so. As the QQ browser advertising said "I want to Now" is the normal youth, not really can not afford to wait, is not used to waiting. Under Ordinary line Money Fund product funds redemption time is generally 1-3 days, some products and even more than 5 days to reach the account, which also makes depending on the efficiency of the life of investors shouted "can not afford."

Second, "No experience" of mobile phone payment

Mobile phone as the media of mobile finance, has gradually changed people in the traditional offline institutions, online financial transactions and behavior and habits, mobile finance is a gradual integration of life tools. For example, the payments we use in our lives are made up of large-frequency payments and small-frequency payments, after such a breakdown, it is easy to see the mobile payment of the end of the merchant's characteristics and consumer characteristics, we hope that those who like the fresh business of the consumer to throw away the thick wallet, only a mobile phone can go to lunch , watching movies, buying popcorn, shopping in supermarkets.

In the field of mobile finance, it is no longer dependent on the user's experience of computer use and financial trading experience, computer online Trading user groups are no longer fully covered mobile phone online trading user base, some new entrants to the online transactions directly through the mobile phone, and has never used computer transactions.

Iii. Accepting imperfect new financial services

At present, micro-credit payment, micro-credit Bank's user interface, function is not perfect, which is the Internet is the experience that is the spirit of evolution, such a friendly type is necessarily missing. But when you rely on a tool, it's hard to say you don't like it, even if you don't like it.

When a payment tool is connected to an existing life tool, you are more accustomed to dealing with high-frequency events in your life, so the micro-credit payment tool has been known and used by 60% of users.

Iv. whenever and forums are also participating in

For a long time, the outside world's conjecture on internet finance is for silk, for the birth of the students, and the reality of this area has been developed so subdivided, for example, there are targeted for low-income mobile finance more for the purchase of game coins, video downloads, poker chips, as well as white-collar, professional, golden collar, Corporate owners of this social backbone of the peer-to-peer investment, they have a degree of investment in the financial experience before, and in part to try to replace the bank's wealth management products, deposits, funds, shares of investment shares.

Although the Peer-to-peer platform boasts a minimum of 100 yuan, it can also be invested but in fact, most of the players are not silk clan, investors are not only the investment as a fashion, experience, but a strong interest to attract them to go inside, they have to 10%~30% the family property to the Peer-to-peer Taiwanese investment, therefore, We also see a market that is whenever, forums, and active, and they are middle-income people who are keen on profit-seeking, and are looking for Internet financial products because they are not satisfied with the efficiency of traditional financial services.

V. Investors who like to share

We may also remember the previous PC-side network silver users, due to private information and financial security, is a lack of sharing and referral, resulting in net silver users can only be independent of the knowledge framework to complete financial transactions. Today's baby products, because of its single product, simple income expression, a variety of mobile end can display product dynamics, making investment sharing more natural and convenient, to a certain extent, increased the interaction between the fans to promote strength.

The survey showed that more than 90% of investors would choose to recommend internet money to others, which was unthinkable before.

The gradual rational Investor

Compared to the capital market investment rate, peer-to-peer investors have become rational pursuit of interests, after 2013 years of Peer-to-peer outbreak and closure of the tide, they believe that investment is more important than speculation. Surveys show that the 30%~50% yield that most peer-to-peer investors now accept is 7%~15% compared with the previous Peer-to-peer market's use of yields to lure users.

Seven, research-rich investors

For traditional financial institutions, product description, insurance product description, various financial agreements, buyers to seriously look at very few people. For financial institutions, Internet companies, perhaps you think of Internet financial products as an "experimental field", but consumers regard this as an investment, a kind of investment that they cherish and love.

Surveys show that the vast majority of investors buying the Internet Money Fund will carefully study the terms and conditions of the product service, while 40% of investors are also very concerned about the ranking of product performance. This is not a group of people think ignorant, follow the crowd of investors, they are embracing the internet mood, holding their own meager wages, want to have their own unique lifestyle of a group of people.

Viii. Virtual financial needs the real "involved" type education

Internet finance is like a gust of wind, when you stir up his enthusiasm, it is difficult to quench it. Today, all providers of Internet financial products are working together to nurture financial consumers, and to get more consumers involved in the real experience, faster than any single institution to do consumer training and knowledge popularization.

2013, "The Year of internet finance" came, the balance treasure ignited the enthusiasm of the people's financial management, Peer-to-peer also formed a "guarantee + risk Reserve" of the mainstream model, the number of platforms and the rapid outbreak of investment crowd, the annual total turnover of crazy growth of more than 100 billion yuan.

Into the 2014, "Baby" money fund, the rate of decline, but the enthusiasm of the whole people do not reduce, as of June 2014, Peer-to-peer Network loan platform number reached 1263, half a year close to 100 billion yuan. In this process, the participants reduced the "learning costs", more natural integration of the participant, who was also infected by the Internet, virtually accepted the literacy of financial information. And the homogeneity of Internet financial products is not bad in a way, homogenization is a product of the symbol of maturity, homogenization of the market has been led to a large enough scale, this time the consumer through the involvement, the repeated comparison of the education is good enough, which will allow the market body to form the next new product, The power and pressure of new forms of business.

The new financial entity of the future, undoubtedly belong to those who dare to subdivide, dare to the scene of the enterprise, their hearts clearly know, product innovation is not to create a product has never been published, but from the user's understanding of the financial basis of the innovation, is based on the special needs of user-specific financial services developed, is to get into the Internet life of the user's thinking habits of the in-depth understanding, is the industry ecological circle on the financial industry attitude and positioning decision, which is no longer a monopoly, diversified development of the market.

(This article from the BT Media? "Business Value" magazine February, the article data from the 0-point Research Consulting Group Financial Industry Special Survey, the author of the 0-point Research Advisory Group Financial Director English, network exclusive first titanium media)

(Responsible editor: Mengyishan)