From this point of view, the payment link will become a strategic place for future competition. Xiaomi can first bind more users by setting up a payment company. Secondly, through payment, the capital market can be used as liquidity to transfuse blood for the enterprise itself, and more value can be generated through capital operation, which can be seen from Ma Yun's balance treasure.
In the future, the payment system will become a necessity for people's lives. In addition to online payment system, offline payment, code scanning payment, payment terminal and so on can also be done. Alipay has opened terminals in some supermarkets, and WeChat has also cooperated with some supermarkets for QR code payment. Xiaomi will be divided into three parts in the future.
Necessary means to construct ecological closed loop
The era of mobile Internet is an era of "going its own way". In this era, we must establish our own base camp. Fan effect is the foundation of mobile platform, and enough users can make this platform become an empire of self-production and self-marketing. In the past ten years, the Internet has transitioned from the traditional PC era to the current mobile Internet era, which has provided a foundation for each PC-based platform to develop into an Internet ecological closed loop based on mobile devices. In today's Internet, there is no platform-based enterprise that does not want to build its own ecological closed loop. In every closed-loop ecological environment, payment is an important part, and Xiaomi is no exception.
Looking at the platforms such as 3BAT that have been formed, it is obvious that each platform has its own users. From entertainment to shopping to personality satisfaction, it is enough for players to entertain themselves on the platform, and there is no need to transition to other platforms under similar functions. Obviously, in every platform's view, there is no reason for users to complete various consumption behaviors on the platform through other third-party payments, so it is natural to build a third-party payment platform by themselves.
Grab back your own payment market.
Xiaomi's payment should first be aimed at Xiaomi mobile phone and MIUI users. According to the statistics at the end of 20 13, the number of MIUI users has exceeded100000, and the shipment of Xiaomi mobile phones has reached about 6.5 million. This huge user group constitutes the Xiaomi mobile phone ecology.
In addition to the mobile phone ecology, digital peripherals such as Xiaomi Box and Xiaomi TV sold by Xiaomi official website are inseparable from the payment link.
As long as it is the sale of goods, it will involve the payment link, and a mature commercial platform will consider the payment field sooner or later, which is business common sense. Xiaomi's sales in 20 13 years have exceeded 30 billion, and the commission generated by third-party payment can be imagined. Xiaomi urgently needs to pay by itself.
Layout internet finance
Internet finance is in full swing, and finance also has the characteristics of the Internet in its own way. Users of one platform may choose another platform to do some financial operations, and when this platform also has financial products, as loyal users of this platform, more than 90% will choose to join this platform, and the fan effect is huge.
If Xiaomi wants to lay out Internet finance, it will involve the entire Lei Jun investment industry, from entertainment to e-commerce to browsing portals to mobile phone hardware. Lei Jun is found in almost all areas where the Internet is in the limelight. It is a waste to sit on huge resources and not do finance, and it is also a disregard for opportunities.
Lei Jun is not worried that there is no market for Xiaomi's payment.
Millions of Xiaomi users are a guarantee for Xiaomi payment. The data of 2065438+0330 billion sales has consolidated confidence, and the market value valuation has been continuously improved on the basis of 100 billion; Xiaomi's talents from Google's high salary have also improved the scientific and technological content of Xiaomi; More importantly, Lei Jun's Internet companies in various fields are the trump card of Xiaomi Payment, and more than 20 well-known Internet companies such as Jinshan, 7k7k Games, Happy Times, UC, Ke Fan, YY, Zhihu and Leifeng.com will be loyal supporters of Xiaomi Payment.
These enterprises mentioned above will access Xiaomi payment in the future, and even give up other third-party payments. Therefore, it is not alarmist to say that Xiaomi payment will form a multi-faceted situation with third-party payment such as Alipay and WeChat payment.