White strips, flower buds, willingness to pay, double 11 battles to decide male and female?

Referring to today's domestic Internet finance, basically, the three giants of Ant Financial, Lujin, and Jingdong Finance have formed a situation. However, in the field of consumer finance, Lujin can not with the ants of Ant Financial. Hey, the white strips of JD Finance are competing. On the occasion of the double 11 coming, the major e-commerce platforms Tmall, Jingdong, Suning Tesco, etc. have begun to prepare for the layout, and the e-commerce's several major consumer financial platforms, ant flower, white, and Suning are not idle. They have already set off a consumer financial war behind the double 11 e-commerce war. Then, let's take a look at this ant flower bud, white strips, and arbitrarily paying for the action of the double eleven.

First, the comparison of the amount

In terms of white bars, from October 26, the white bar will open the temporary lifting function, providing 20 billion yuan for the white bars users, and each white bar user can raise a maximum of 8888 yuan, and after spending in Jingdong Mall, the white bar quota Less than 20% of the remaining white-strip users will also make a second roundup.

In terms of flower buds, the total amount of ant flower buds is 10 billion yuan compared to the 20 billion rations of white-strip users. From October 18th, consumers can enter the ant flower å‘— temporary quota page from Alipay or mobile Taobao. The user has the opportunity to temporarily raise the maximum amount of 55,000 yuan.

In terms of willfulness, from the beginning of November, Suning will open an application for willfulness, truly realize the credit of the whole people, and prepare a credit line of 10 billion yuan. At the same time, for the stock customers, Suning will take the initiative to pay the high-quality customers, the total amount It will reach 2 billion yuan.

Second, interest-free comparison

In terms of flower gardens, Tmall Mall has a total of 11 pre-sales from October 13th. In addition, from November 1st to November 10th, you can enjoy the 6th installment interest-free service in Tmall or most Taobao merchants. You can get 12-phase installment interest-free activities in the activities of participating in the flower rush to grab the red envelope. Voucher, but the probability of winning is not announced.

On the white side, on November 1st, November 9th - 13th, in the Jingdong Mall to play "White Strip" shopping, the audience 6 interest-free / 12 period interest fee 50% off (including global purchase); white strip new users, hit " "White Strip" is the first 12-year interest-free/24-period fee, and 50% off on the Jingdong Mall to buy computer office, digital, home appliances and other items in the installment of the "White Strip". In addition, the interactive games that participate in the white strip can also draw prizes. The prizes have 12 interest-free coupons and 1111 yuan white repayment coupons, and the new users of the white strips have the opportunity to get 50 yuan cash straight down coupons.

In terms of willfulness, Suning will expect a discount of 40 million yuan, so that consumers can enjoy the 6th, 9th, and 12th installment interest-free concessions in Suning.

White stripes, flower buds, and self-willingness are becoming behind the scenes of Jingdong, Tmall, and Suning e-commerce wars.

The double 11 e-commerce day was initiated by Alibaba, but after several years of development, the double 11 is no longer just the e-commerce promotion festival of Taobao Tmall, more and more e-commerce, O2O platform, offline Entity merchants have begun to join the double 11 promotion festival. Due to the market share advantage of Taobao Tmall, Jingdong Mall and Suning Tesco, the biggest battlefield of the Double 11 War is the battle between Taobao Tmall, Jingdong Mall and Suning Tesco. White strips, ant flower buds, and arbitrarily paid as the consumer finance platform behind Jingdong Mall, Taobao Tmall, and Suning Tesco, this time they have won the momentum and strive to become the behind-the-scenes hero of the e-commerce war.

Judging from the action of ant flower buds, white strips, and arbitrarily paying in double eleven, the white strips will be more powerful in terms of the amount of replenishment. Relatively speaking, each user’s levy is relatively high, and for those who have higher consumption quotas. The user can make a second increase, which will greatly increase the consumption quota of Jingdong Mall users in the double 11 through the white strip. The ant flower buds have not announced the maximum amount of money for each user. Only some of the players with good luck can achieve higher withdrawals. It seems that the ant flower buds have to lose one point in stimulating users' high consumption. Of course, due to the strength of the platform, Suning’s willingness to pay will be even worse.

Let's take a look at the interest-free comparison. We will also find that the white bars are much more interest-free than the ant flower buds. The interest-free intensity for new users and 3C digital products is doubled. White bars seem to be against this war. The victory and defeat are inevitable. The interest-free paying interest rate is also stronger than the ant flower buds. They all seem to use the ant flower bud as the target, and they can only win and not lose.

The war is spreading in all directions, and the flowers, white strips, and willful will pay for more battles.

This time, the eleven eleven ant flower buds, white strips, and arbitrarily paid consumer finance battlefields are not only in Jingdong, Taobao Tmall, Suning Tesco, but also spread the war to more battlefields. Although the flower garden seems to be slightly lower than the preferential strength, Huayuan is trying to make up for it through the advantages of the multi-e-commerce channel built by Alipay.

Online, currently the white e-commerce e-commerce is mainly used for Jingdong Mall, Jingdong home and some O2O consumer platforms, and the willingness is also mainly for Suning Tesco. However, the layout of Huayuan Online is obviously much wider. In addition to Taobao and Tmall, there are also more than 40 home appliance platforms that can also use the flower buds. Obviously, the online consumption range of Huayuan has far surpassed the white ones and willingness to pay.

Of course, the white strips are also not willing to lose. Although Huayu has covered 1 million offline merchants with Alipay, it also covers some medical, living, and shopping malls. However, Baizao has launched a joint electronic account “White Strip Flash Payment” through cooperation with banks. Users can instantly cover more than 8 million merchants under the umbrella of ApplePay, Xiaomi Pay and Huawei Pay, which means that they can use white bars. Consumption.

During the double 11 period, the white strip flash payment even launched a number of reduction activities, such as the double 11 on the same day using white strip flash payment, the first order reduced by 11.11 yuan; January 7 - November 30 online online UnionPay POS machine White strips can be paid at random, and the maximum can be reduced by 11,11 yuan.

As for Suning’s arbitrariness, they can rely on Suning’s offline stores to open offline consumer finance markets, but their third-party cooperation is currently developing at a relatively slow pace.

Competition is conducive to the development of the industry, white bars, flowers, and willingness to promote consumer finance to usher in three major trends

With the penetration of white bars, ants, and arbitrarily infiltrated into more and more fields, consumer finance has begun to be welcomed by more and more users. While they promote domestic consumer finance to the general public, consumer finance will also welcome Come to the following three major trends:

I. Internet consumer finance O2O online and offline integration

Previously, ant flower buds, white strips, and arbitrarily paid were basically based on online e-commerce users, but as Alipay, WeChat payment, Jingdong wallet, etc. began to infiltrate into the offline development, ant flower buds, white strips, arbitrarily paid The battlefield also began to spread to the offline. At present, the competition in the market under the white bars and ants is more intense.

Compared with the online consumer finance market, in the past, offline markets have experienced credit card overdraft consumption, but few Internet financial platforms have penetrated offline. Compared to offline market, Internet consumer finance is far less saturated. On the online, it can even be said that whoever has an advantage in the online consumer financial market is more likely to become a big winner in future consumer finance. The future of Internet consumer finance will also show the trend of online and offline integration.

Second, the vertical segment of consumer finance will usher in an outbreak

At present, the consumption of white bars, flowers, and willfulness is mainly based on the online and offline retail industry. The penetration rate in the consumer finance sectors such as education, automobile, real estate, and medical care is generally low. From their mutual front, they are already trying to expand into these vertical market segments. Previously, New Oriental Online and Baizhi reached a strategic cooperation, and Ants Huaying and Lenovo's Bayer Dental reached a cooperation, they are trying to make breakthroughs in consumer finance from these vertical market segments.

The burst of consumer finance in the vertical market segment is only a matter of time, but with the white-striped, ant-flowered, and self-satisfied competition, the speed of this day will surely accelerate.

Third, the rural market will also set off consumer finance

In fact, today's rural market has become the most important battlefield for Taobao Tmall, Jingdong Mall, and Suning Tesco. So there is no doubt that the future will become an important battlefield for ants, flowers, and arbitrarily.

In the past, in the rural market, financial development has been relatively slow, mainly because of bank outlets, low income levels of farmers, unsecured, etc., but Internet finance can completely break these geographical restrictions. Today, the living standards of peasants are constantly improving. As farmers' Internet financial consumption habits are gradually cultivated, more and more peasants will spend online and offline consumption through white bars, ants, and willingness to pay. The future rural market will be the most important market for consumer finance.

In general, from the perspective of the double eleven ant flower buds, white strips, and arbitrarily paying for the consumer financial market, they have begun to become the behind-the-scenes heroes of the double eleven e-commerce war. With the spread of war, their battlefields are beginning to spread from online e-commerce to offline physical business. Under the competition, their future Internet consumer finance will also show an online and offline integration trend. In the rural market and in more vertical segments such as education, automobiles, real estate, and medical care, there will also be a wave of consumer finance.