operating environment:
brand model: iPhone13
system version: iOS15.3.1
app version: v11.17.41
first, open meituan app, click the city location in the upper left corner of the homepage, click the search bar, and enter the city name.
The joint credit card business has become the growth password of Meituan Finance. In just three years, Meituan's co-branded credit card issued more than 15 million cards. Compared with other business segments of Meituan Finance, the co-branded credit card is one of the few out-of-circulation products.
the growth trend goes hand in hand with the risk. The volume and transaction volume of Meituan co-branded cards far exceed that of other co-branded units or operating platforms. At the same time, the deep cooperation and joint venture mode of Meituan co-branded cards will also challenge the business model and competitiveness of the traditional banking industry, forming a dilemma that banks rely too much on Meituan to issue cards.
In addition, the co-branded credit card business embedded in Meituan scene overlaps with other consumer finance businesses. From the perspective of consumers' usage habits, the co-branded credit card may impact Meituan's self-operated financial business and reduce its stickiness to Meituan's consumer financial products.
the growth password is about to expire. The supervision continues to rectify the financial technology risks, and the financial business of the head platform company bears the brunt, and the joint credit card rules are also facing reshaping. Meituan co-branded card products focus on regional banks with limited resources, so that regional banks are deeply tied to the platform in core business links such as customer acquisition and risk management, which may weaken the self-operated business ability of banks.
meituan, the full name of which is "Beijing sankuai online technology co., ltd.", is a group buying website established by Wang Xingyu on March 4, 21, and its headquarters is located in Chaoyang district, Beijing.
the mission of meituan is "to help everyone eat better and live better". As a leading e-commerce platform for life service in China, the company has apps that consumers are familiar with, such as Meituan, Public Comment, Meituan Takeaway, etc. The services cover more than 2 categories, including catering, take-away, fresh retail, taxi, bicycle enjoyment, hotel tourism, movies, leisure and entertainment, and the business covers 2,8 counties and cities across the country. On January 19th, 222, Hurun China Top 5 in 221 was released, and Meituan ranked 6th with RMB 1,41 billion.