Alipay and Huabei
Speaking of Alipay, I believe everyone is familiar with it. It is a product of Ant Financial, and it is also the "right man" of Alibaba. And with the popularity of mobile payment, Alipay has become one of the largest third-party payment platforms in China, with nearly 1 billion users, which is comparable to Tencent's WeChat payment.
is no exaggeration to say that Alipay occupies a leading position in the domestic Internet finance and payment industry, and it is a phenomenal product and software. Many people may be amazed that Alipay can achieve such good results, but everyone does not know that at the beginning, Alipay existed only to serve Taobao.
However, according to the current situation, Alipay is larger than Taobao, and many users cannot do without it. All this stems from Jack Ma's correct decision to spin Alipay from Alibaba, and Ant Financial was established on the basis of Alipay, and new products and services such as Huabei and Bibai were derived from this.
Huabei and Boraibe are positioned as Internet microfinance financial products, mainly for young consumers. As long as users have good credit, they can get a certain amount for free. The way to use Huabei and Borrowe is also very simple. Since they all exist in Alipay, users can enjoy this new way as long as they pay through Alipay.
Obviously, Huabei and Bibai have brought consumers more choices and can also help them solve some financial problems. Especially for Huabei, thanks to the applicability of Alipay, more and more merchants and scenes are beginning to accept Huabei payment, which gives consumers an opportunity to spend in advance.
So the users of Huabei began to grow rapidly. Almost every young person who uses Alipay has used Huabei, because this method is indeed very attractive. But after the failure of Ant Financial's listing plan in November this year, Huabei caused a lot of controversy, and the comments about it were overwhelmingly negative.
This day has finally come.
has gone from being very popular to "everyone yelling". Huabei's experience is undoubtedly very bizarre, so why has people's attitude towards Huabei changed so much? In fact, the answer is very simple. On the one hand, Huabei’s interest is too high, which is completely profiteering; on the other hand, it comes from the fact that most people realize that the concept of advanced consumption is inherently unreasonable.
For this reason, Alipay has recently officially announced that it will reduce the amount of spending by young people and no longer promote excessive and excessive consumption. Although the higher Huabei's quota represents the better the user's credit, credit is not the same as relying on advanced consumption. Users should recognize themselves and maintain a normal consumption level.
believes that everyone has already felt Alipay’s move. Many young users have reported that Huabei had a quota of tens of thousands before, but now it has become two to three thousand. Regarding this result, people who do not advocate advanced consumption said: This day has finally come, and Alipay finally wakes up!
Young users are about to "cry"
But at the same time, after Alipay lowers the Huabei quota, those young users who rely heavily on Huabei will "cry". Because these users generally need to spend their daily consumption, if the amount is too low, it will not meet their needs.
However, it should be noted that relying on Huabei is not a good thing. Even if Alipay does not reduce the quota now, this situation will still occur in the future. Therefore, for young users, they should accept the adjustment strategies of Alipay and Huabei. There may be difficulties in life for a while, but it is conducive to long-term development.
Generally speaking, after experiencing great ups and downs, Alipay and Huabei should have clearly understood their positioning. They appeared and became popular because users need related services. If Alipay and Huabei cannot meet the needs of users, they will certainly not be recognized again.
is written at the end
Although Huabei’s advanced consumption method is very attractive to young people, every user understands in his heart that consumption needs to be done according to his ability. Even if he consumes ahead of time, he will still need to pay back in the future. , And maybe more. So, the reduction of Huabei quotaLow is a good thing, and young people should accept it generously.
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