Third-party payment, to be honest, Andy has always been very hesitant, mainly in the United States this gadget can not play!

Not only is strict supervision over death, without a huge banking union endorsement, it cannot replace the dominant consumer status of credit cards in the European and American people.

I believe that people who use credit cards know that they often give points, interest-free installments of digital products, discounts, and other activities. They can also save airline miles, hotel discounts, and enjoy VIP services similar to airports.

In the United States, where the financial industry is the core industry, consumers have already developed a dependence on credit cards. What's more speechless is that in addition to the credit cards of several major banks, major US chain stores and brand companies have their own credit cards, and there are discounts on spending ...

Therefore, the foreign banking system will not support or tolerate third-party payment platforms for collective consumption, wealth management, and settlement from the perspective of costs and benefits.

The vast majority of banks in European and American countries are private banks. Therefore, no bank or card organization is willing to bear a large number of low-efficiency or even negative-efficiency savings accounts, network security, counter authentication services, and transfer settlement for third-party platforms. Doing wedding dress business.

Therefore, in the United States, online payment can only be attached to its already mature credit card payment system. It can only be used for consumption and cannot be transferred. It is simply impossible for third-party payment to develop into a certain letter in the United States.

Compared with user habits and technical conditions, interest is the most fundamental determining factor!

Andy now has his own bank, so I know very well that third-party payment is not to be seen in the U.S. banking industry. He also mentioned it to Stephen Nubi, who became the Yingtai Bank eo, and the other party directly shook his head and persuaded the big boss to see Bank cooperation, don't treat Yingtai Bank as a settlement bank ...

Even Nima himself felt that it was a pain to let Yingtai Bank be the settlement bank of its third-party payment platform. It was laborious and unpleasant, but other banks are even more eager to see.

However, after all, it is also a good business to make money. Although it's a bit of an egg, Starbucks will need this chain of coffee shops as a test field for third-party payment promotion.

While using third-party payments to earn some hard money, the most important thing is to connect your online and offline industries in series to form an ecosystem of an internal circulation industry cluster.

After dealing with some things of the Watts company, Andy came to the instagram (photo wall) company, which is only one block away. The current instagram is also the same as it used to be, and it is expanding rapidly. Of course, it burns money. Also a good hand!

No way, the current instagram platform has completely developed into a monster under the toss of Andy. It integrates text, photo push, micro-blog, and online community.

In addition, the Instagram company is a firm follower of the orders of the big boss. It madly suppressed the Twitter company and almost hollowed out the core team of that small company. There were originally few Twitter companies. The original core business was The team members only have two founders who won power in 2008.

Instagram's digging is inexorable. In addition, Instagram has the star effect and promotion of celebrities such as Andy, the famous founder and owner, Hollywood star, nba star, Premier League star and other celebrities. Sao, the implant promotion in "Gossip Girl", has attracted the vast majority of young people in the United States to download and use.

As for the 140-character Twitter company, although it is still in operation, it is also dying. It was also thinking of acquiring Twitter company Zuckerberg, who has lost interest.

Because the Instagram photo wall company has many functions that overlap with Facebook, Xiao Mazi has made several phone calls and hopes to acquire the Instagram company, but he thinks it is too beautiful.

"... Continue to maintain and develop the advantages and powerful photo features of instagramapp. A fast, outstanding and fun way for users to share photos and share life!

The homepage of instagram should be concise and clean, and the photos should be presented in the form of large pictures, so that users can get a better experience.

The development mission of our instagram company is to capture and share the wonderful moments of the world. "

Andy stood in front of the white writing board in the conference room, holding a marker in his hand, and quickly wrote this powerful statement. The executives in the conference room gave warm applause. They knew that this was a call. Li ’s slogan, next, their management team will need to pass it on to employees, users and future advertisers.

"Don't think about what the market value is, and don't think about how many advertisers can be profitable. I repeat, there is no profit pressure, and the only thing to do is to make the functions of the app better and maintain the homepage website more operational. OK, let's make our users more!

When our app must be installed on every mobile phone, and our number of users exceeds 100 million, 200 million, 500 million and 1 billion, everything else will no longer be a problem! We, as a new company, need to calm down and calm down ... "

Andy sat in the simple-decorated office that the photo wall company used to host the business, holding a bottle of mineral water in his hand and drinking. This morning was really full.

No way, although there is a professional manager to help him manage the company, but in order to make the company develop better, he still needs to take the helm himself. In fact, this way of control is already a bit scattered, and he can be here now. In accordance with the established goals of rapid development and growth, in addition to his traversal has clear development ideas, more importantly, there are think tanks to do a lot of work.

The think tank is an extension of his brain, allowing him to be like an octopus with himself as the center, and he can firmly control every aspect without creating omissions that he can't miss.

"How is Michael Wright's preparation?" Throwing the empty mineral water bottle into a wastebasket, Andy picked up the papers on the desk, looked over, and reached out and held The green button on the answering machine on the side asked.

"Mr. Wright, I called before and the evening reception was ready."

Hearing the little assistant's answer, Andy said quietly, and then said, "Find a footbath restaurant at noon ..."

"Good boss, I'll arrange it right away."

After releasing the button, Andy picked up the pen that was very sloppy, opened the cap, brushed the paper and made a note, then signed his name.

Wow

After closing the file, Andy closed the pen, took the phone out of his pocket, and checked the text message.

"I leave at 2 and see you this afternoon."

When I saw the message from Lily Collins, I couldn't help but smile. I just finished the filming of Twilight. Because of the raging fire in Los Angeles, the air pollution was very serious. She decided to leave her mother and ran to meet him.

Well, as a female companion, accompany him tonight ’s Liberty City App Store financing cocktail party. Although Charlize is by his side, he ca n’t be so brazen with Laura ’s mother. Embarrassing Ivana.

Tonight's reception guests are mainly represented by Google as the main investment intention party and many Silicon Valley investment companies.

The convening of the reception also foreshadows that Andy Smith finally decided to start raising a butcher knife to slaughter investors!