After finishing this matter, Ma Qingyang looked much more relaxed. Besides, Zhou Liwen was not a serious person and he was extremely appreciative of Ma Qingyang's abilities. When Zhou Liwen asked Ma Qingyang what he thought about the future of Alipay after the spin-off, Ma Qingyang hesitated for a moment, and then said calmly: "I can't tell you my opinion, but I do have some suggestions." Zhou Liwen smiled and made a gesture of invitation. , Ma Qingyang immediately started talking. In his previous life, Alipay was created and developed by him. Although Zhou Liwen started to acquire it in advance now, and judging from the ownership structure, Zhou Liwen is the undoubted largest shareholder and controller of Alipay, and he passed it through channels earlier than in history. Get, or even better, complete the development of Alipay from its initial payment function to a real online bank. Coupled with Alipay's current international expansion and cooperation, from this point of view, Zhou Liwen is far better than Ma Qingyang. many. But no matter what, Ma Qingyang¡¯s vision and ability are extremely rare in the business world. What he lacked from the beginning was not courage or vision, but funds. Otherwise, I wouldn¡¯t have gone to Son Masayoshi Venture Capital for an Ahri. When Zhou Liwen asked him this, Ma Qingyang did have opinions on the operation of Alipay, and even proposed an original expansion plan in front of Zhou Liwen. This plan was actually used by Ma Qingyang in his previous life, certainly a few years later in history. At that time, Ali had already been listed in the United States, and Ma Qingyang also obtained a large amount of funds through the listing, so that he could carry out this promotion plan. So far, Alipay has a lot of users. Just looking at the number of registered users in China, the number is simply a miracle. But compared with the total population of China, including Alipay's overseas development areas, potential users still have a great role to play. In addition, in terms of online payment, including mobile payment that is now in operation, Alipay has made great progress in terms of software and hardware. What it lacks for the time being is the convenience and habituality for comprehensive use areas. . Ma Qingyang proposed that in the future, Alipay, including smartphone functions, should aim to replace the credit card model, that is, Alipay will replace the currently popular credit cards and become the currency circulation carrier. Only in this way will Alipay be fully accepted by the public, transforming from the Internet to the actual aspect, and becoming the overlord spanning the two. Ma Qingyang¡¯s plan is to use the festival as an excuse to organize an Alipay discount event. Of course Zhou Liwen knows this method. In his previous life, Ma Qingyang had a big giveaway on Singles¡¯ Day on May 11th or Double 2 on February 2nd. If you use Alipay to purchase any item in designated stores and shopping malls, you can enjoy certain red envelopes and discounts. This event was very successful. Overnight, in many convenience stores, including supermarkets and shopping malls, customers lined up to use Alipay to settle and pay. They even queued up for a discount of only more than ten or twenty yuan. Elated. While users get discounts, merchants also increase sales, and Alipay also increases its user base through this method, and also strongly promotes this payment method. This can be described as a win-win situation. From the perspective of the ratio of expenditures and gains, Alipay is the biggest winner. Zhou Liwen certainly would not refuse this suggestion, and he even had a plan in mind. He immediately nodded in agreement and asked Ma Qingyang to make a plan as soon as possible, while also calculating the amount of funds needed to prepare. In addition, Zhou Liwen also raised an issue that Ma Qingyang did not consider, that is, the current Alipay is somewhat different from the Alipay in history. After obtaining the banking license, Alipay is actually a real bank. Although It is still nominally an online bank. But on this basis, Alipay can gradually switch from cooperating with other banks to issuing virtual credit cards (debit cards) on its own. This is technically feasible as long as user information is supplemented and the agreement is signed. , there are no technical barriers to doing so. "This is a good idea." When Zhou Liwen mentioned this, Ma Qingyang's eyes suddenly lit up and he patted his thigh in applause. "You also think it's a good idea?" Zhou Liwen asked with a smile. "Of course," Ma Qingyang said: "Now Alipay is only tied to the accounts of other physical banks. From this point of view, we are still flawed. If we directly promote our own virtual accounts through this method, this is equivalent to a huge potential." However, when doing this, we must take into account the current response of the cooperative banks. I think it is better not to do it all at once. By the way, we can use Yu'e Bao as a trial first and carry out gradual transformation, so that we will not be easily criticized. " "Very good, I will talk to Liu Ting about this. After the incident in Japan is over, you can go back and discuss it with Liu Ting, and come up with a plan including the promotion plan just mentioned. If there are no problems, then. I hope you will implement this project, how about it?" Zhou Liwen said happily. Ma QingYang was stunned for a moment, then became ecstatic. By handing this project over to him, Zhou Liwen not only acknowledged his ability, but more importantly expressed his support for his status as an Alipay company after spinning off the Internet Group. You must know that after Ma Qingyang divested the Internet Group, his main rights and interests were with Ali, and Alipay's rights and interests, including his voice, were not loud. But now Zhou Liwen has extended an olive branch to him, which means that regardless of whether he is divested or not, Ma Qingyang is still an important figure in the entire group. For Ma Qingyang, whose career is more important than money, this is the best commendation for him. At the same time, he was secretly glad that during the conference call, Liu Ting followed Liu Ting to express support for Zhou Liwen's decision and confirmed the overall plan for the listing. And now Zhou Liwen has responded to the report of defecting to Li. Why does this make him unhappy? That night, Zhou Liwen and Ma Qingyang chatted for a long time over two cups of tea, and they reluctantly went back to their rooms to rest until the tea was tasteless. If Ma Qingyang hadn't gone to meet Sun Zhengyi the next day, the two of them could have talked all night long. In Ma Qingyang's view, it was not luck that Zhou Liwen, who was younger than himself, was able to create such a big business from scratch, because they felt that many of their ideas were in common. Therefore, Ma Qingyang felt grateful in his heart. There is the excitement of a confidant. (The last day of February! If you have tickets, don¡¯t waste them. Please vote and recommend!)