The danger of internet finance without internet thinking

Maybe it's unfounded! However, see a bunch of banks, telecom operators and other rush into the internet finance, I have an ominous feeling, the reason is very simple-love the Internet financial easy, Internet thinking difficult!

A swarm of rush into the Internet

The swarm is because today we see two related reports. One is "financial weekly" "Chuan operators to kill into the fund electric business melee: Push the balance Treasure products" (http://tech.sina.com.cn/t/2014-01-20/05169110245.shtml Author: Li Shansheng); another one is "financial weekly" Internet financial Transformation: Peaceful social mode to hit people's Livelihood Electric Business (http://it.sohu.com/20140120/n393787122.shtml Author: Yuan Hope Feng).

I do not know whether the "financial weekly" in the Internet finance topic, but only the two reports, the Internet financial boom can be seen. These two articles tell us a simple truth-that almost all banks and all telecoms operators have entered Internet finance without exception. It's just that the banks seem to be doing a very high-profile job and the operators are secretive.

In the report, the Internet financial surface that the banks are engaged in May sound a little more such as Peer-to-peer Platform mode, social finance model, financial electric dealer style, financial mobile business model; operators of internet finance is mainly in the mobile payment and similar "balance treasure" things, I would like to call it "package deposit treasure", Some operators also packaged it as "buy money to send mobile phones."

Two, has the wood to have the internet thinking

Although there has been a lot of controversy over what is "internet thinking" and its existence, it has to be admitted that "internet thinking" has an invisible magic that has done wonders. In a sense, the internet financial boom, launched from the electric business platform itself, fully embodies the power of "internet thinking", but at present we can not summarize it so accurately.

If there is a problem, that is to ask: banks and telecoms operators in the rush to internet finance, at the same time, they have no internet thinking? Or just look at Ali and Baidu and so do the wind, feeling jealous? Don't you think it's worth it? Or, like some banks, do not want to be their own rice bowls are not the original competitors to rob abruptly?

Although the concept of Internet thinking is not certain, but I still have to ask some aspects, for everyone to shoot bricks. The question is whether people who keep on making internet finance have these things:

Is there a fundamental idea to keep using the Internet to bring convenience and efficiency to users, instead of letting others queue for a long, long time?

Is there a fundamental idea of how hard it is to make a difference in financial services, anytime, anywhere, to allow users to understand the benefits of change in the simplest way?

There is no fundamentally thought, to completely put down the shelf, relaxed some, humorous little, learn to laugh at yourself and sell Meng, with the user fun?

Is there a fundamental idea that people who take the lead and benefit will be willing to share their good experiences voluntarily with others?

Is there a fundamental idea that when users share a good experience, you pick some interesting comments to create a topic?

Is there fundamentally a need to renovate and introduce more fresh features and services in a situation that has already been preconceived?

......

Third, the risk often after the upsurge

As the saying goes: xx has the risk, enters the y to be cautious. However, I think, even if you have asked the above, you can not guarantee that you are no risk, because "internet thinking" also includes the risk consciousness every moment, always in times of danger, always can not slack.

For those who are or are about to engage in internet finance, the greatest risk lies in the lack of some or all of the above questions, as well as the lack of the sense of risk that they can do so much that I can do it, at least with a slice.

And regardless of what I have mentioned before, so many people want to engage in Internet finance, your high income how to guarantee, just say "internet thinking", really can be said-love the Internet financial easy, Internet thinking difficult! Because thinking is a very mysterious thing, do not make us ourselves by some seemingly advanced concept has been old shackles of the hands and feet.

Think about the questions you mentioned earlier: If you do not sincerely want to bring the greatest convenience to users and provide the most thoughtful service motives, if sit a serious phase, if you do not know the power of social media word-of-mouth and interaction with the user's habits, if you do not know to find all the material to create a topic upsurge, If you're doing something that's almost the same as a preconceived opponent--so long as it's the same, it means the stakes are huge!

Finally say my biggest worry-some (not all, but also a lot) want to engage in internet finance, the above Internet thinking issues (of course not comprehensive) almost all lack, you say can not dangerous? In the end, it's impossible to know how to die. (Author: Chen Yongdong, new media researcher, China top ten it bloggers, email: cyd888@sina.com)