"Three National Wallets" in the APP
There are many origins of "Three Kingdoms Wallet". They are in three familiar apps, Alipay, WeChat and Jingdong Finance. According to the online order, they are Yu 'ebao, Xiaojinku and Cointong. On the mobile side, they rely on Taobao, JD.COM Mall and WeChat respectively, and have a huge user base and a strong national base. The volume of each platform is enough to be called "national level".
Another important attribute of "Three Kingdoms Wallet" has refreshed the definition of wallet-income! Different from the traditional wallet, the money in the wallet used to be only mobile and didn't have the function of "Qian Shengqian", but nowadays, no one cares about the electronic wallet without income, and the electronic wallet that can make money and spend money is favored.
Yu 'ebao-# Life # has a strong label.
Among the three national wallets, Yu 'ebao has the earliest listing time and the number of users has reached 260 million. Many people's understanding of "balance management" begins with Yu 'ebao. Now relying on Alipay, Yu 'ebao has opened up a massive online and offline consumption scene, and the # Life # label is extremely strong.
Nowadays, many people are singing that the income of Yu 'ebao is declining, but people have long been accustomed to temporarily putting change in Yu 'ebao and using it to spend. Under the influence of mass consumption scenes, online shopping malls including Taobao system are connected with each other, as well as shopping platforms outside the ecological environment such as Pinduoduo and Vipshop. In the scene of online code downloading, Alipay is basically divided into two parts with WeChat payment. Yu 'ebao can directly pay for offline shopping, life, entertainment and other consumption scenes through Alipay, which has long been inseparable from people's daily life.
Small vault-# Finance # has distinct attributes.
Jingdong Xiaojinku is the second online wallet among the three national wallets. Similar to Taobao, the earliest back of Yu 'ebao, the launch of small coffers, and the shopping environment of JD.COM Mall, shopping in JD.COM Mall can be paid directly, gradually opening up various convenient online and offline payment scenarios.
The most obvious label of the small vault is # Finance #. Jingdong Financial APP belongs to a relatively closed financial trading platform. Small coffers are connected with credit, insurance, funds, futures and other scenarios, and related operations can be completed online. Moreover, the use of small treasury for financial business is not small, and you can enjoy a certain percentage of random discounts for buying wealth management, returning white bars, gold bars and bank credit cards. After opening the digital gold card of the small vault, Alipay and WeChat can be opened, thus fully opening up the online and offline payment scenarios.
The cash withdrawal amount of the small vault is also higher than that of the other two, and the highest cash withdrawal amount can reach 65,438+10,000 yuan, which is also in line with its own strong financial attributes. Financial jingdong financial APP will inevitably be compared with various mobile banking in the banking department. In the eyes of today's young people, putting the change in the small vault of Jingdong Finance is itself a fancy to the various welfare activities opened by the small vault in JD.COM. If you use the small vault to shop in JD.COM Mall, you can enjoy the discount of a single reduction, and you can get more coupons every week when you participate in weekly consumption. During the JD.COM Shopping Festival, you can get more coupons by using the small vault, and the activity is extremely strong, which can save a lot of money. A wallet that can make more money in daily life and save more money in activities is really something that people can't put down.
Change Pass-# Social # Full of Environment
The small reform was launched late, about 20 18 1 1, but relying on the massive base of WeChat users, it still does not affect its national attributes. In the social interaction between people, there is bound to be the flow of money. Whether it is the WeChat red envelope detonated since the Spring Festival or the AA payment for daily party meals, the change pass with a strong # social # attribute can be profitable and transferred in time, and the frequency of use is naturally not small.
Although there are no natural online shopping platforms such as Taobao and JD.COM, social genes based on WeChat have long been irreplaceable. In the online and offline consumption scenarios, WeChat payment and Alipay have maintained a situation of two worlds for a long time, and their transaction ratio has completely crushed other payment platforms. Especially in the collective consumption scenes such as offline parties, the checkout person first checks out with change, and then initiates group collection, which naturally connects with WeChat group, and also facilitates offline payment with social attributes.
Through comparative analysis, we will find that "Three Kingdoms Wallet" has clear labels of # Life #, # Finance # and # Social # respectively, which basically covers all the scenes related to "money". As people's consumption habits gradually shift to the mobile side, financial and business awareness gradually awakens, social activities gradually become rich and diverse, and the definition and demand for "wallet" become more diverse. The use of the three national wallets, Yu 'ebao, Xiaojinku and Cointong, is no longer an either-or attitude, but multiple combinations according to individual needs to achieve the optimal ratio of assets.
How to choose "Three Kingdoms Wallet"?