Wake Up entrepreneur! To try "enterprise software + finance" how?

We describe the business world of the past, there are two distinct levels: 1, the Internet layer in the Sky 2, the business layer of the ground down-this once fragmented both, is now being opened up, and the promotion of this process, in addition to O2O also has internet finance.

Not long ago, we saw Ping An's external air, saying that it relies on online supply-chain finance technology, making the dealer's loans with the Great Wall car more than 20 billion a year, and the household invoicing has experienced 10 times times growth in 5 years. As we all know, Ping An group is the most radical among all financial giants, what is it called "online supply chain finance" and what is the new way?

In fact, compared to the traditional mode of supply chain finance, Ping An bank only took two steps:

First, to promote all sectors of the industrial chain (banks, core enterprises, upstream and downstream enterprises, logistics companies) open interface to achieve data interoperability. Through this step to get the business data between enterprises.

Second, rely on free enterprise management software (not long ago on the line "business housekeeper") infiltrated into the enterprise, under the authorization, got the enterprise internal operating data.

Through these two steps, the safety of the industrial chain to complete the process of transparency. In the credit, safe mastered the higher quality, more adequate decision-making information, so that financial services can be delivered through the pure line, no longer to the line to perform cumbersome procedures. In the business form, the partial realization of financial automation. Data automatic collection, model automatic decision-making, the human audit time to the lowest, directly bring is the front-end experience to upgrade, in the face of a large number of small and medium-sized SMEs, real-time, high-frequency borrowing needs, has a great advantage. In fact, Ali small loan is also such a set of play, but everything revolves around its electric quotient system.

In a previous article I have written: "The concept of O2O is very simple, is the whole chain of all the links and resources to the line, and eventually formed a closed loop." The task of "pulling all the links and resources of the industrial chain onto the line" requires enterprise software to undertake.

In the past, the enterprise software market has been dominated by various customization requirements, the data and interface between the products lack of uniform standards. But with the public Internet and a variety of standardized products for small and medium-sized enterprises began to become popular, the information island state of the enterprise was broken. In my contact with the enterprise software companies, many are trying to get through with financial services, such as financial software, "account credit", do order Management "easy to order", do Invoicing "smart business." Even the old enterprise software to provide business friends, but also led the formation of financial groups, engaged in related enterprise-level product development.

The standardized integration of enterprise software is also in the layout of the Giants. Some time ago, Jingdong and a shop also follow Taobao's footsteps, integrating all ISV vendors into their own cloud platforms. While standardizing the ISV market is part of the consideration, the longer-term significance is that the large platform has the possibility of further exposure to enterprise background data. From bottom to bottom, the big goal is to make the world transparent to itself.

Said half a day of data, put privacy protection where?

Suppose giants are full of conscience and never touch the private data that you host on their cloud platform, they can also meet the needs of the business data by various means. For example, you can obtain your data authorization when providing a specific service. For example, even if you do not get your internal data, can also be through a variety of external data cross-validation approximation to the truth, Ali Small loan has already done so. In fact, the logic of the free economy is often: I offer you free products and services, and you pay for your own attention resources and data--that's the basis for a fee.

Enterprise Software + Finance, what are your goals?

1, more in-depth data acquisition 2, financial automation

What is the value of enterprise software?

1, reach the SME Channel 2, the continuous data collection of the entrance 3, the export of financial services

Must be an enterprise "software"?

Of course not, all the enterprise data, networking tools will be used by finance. From POS machines, to payment tools, to social collaboration within the enterprise, even to offline logistics and crowd monitoring, the range of future data acquisition will be infinitely magnified. The entire financial industry, in order to combat the islands of data, may form a number of large data alliances or data markets. The current central bank credit is embryonic, bat more potential.