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What is a bud?
I. Product Introduction Flower Garden, whose full name is Ant Flower Garden, is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota of 500-50000 yuan. Users can prepay the amount of ant flower buds when spending, and enjoy the shopping experience of "spending first, then paying". Since its launch in April, 20 15, Flower Garden has been mainly used for shopping on platforms such as Tmall and Taobao, and has been loved by many users. In order to better serve the consumer groups, ant flower buds break the restrictions of shopping platforms and extend their services to more online and offline consumption fields. At present, the opening of ant flower buds depends on individual sesame credit and usage, and its quota varies according to individual differences. Of course, flower beds can only be opened by the system, and you can't apply for opening on your own initiative. 1. Purchase first, then repay (except for some specific categories such as taobao travel, recharge, movie tickets, etc., Taobao Tmall records after confirming receipt, and other platforms record after placing an order and paying); 2. Free use of the consumption quota for shopping (if the flower buds are purchased by stages, the buyer must bear the specified fee according to the rate set by the merchant); 3. Easy repayment. Alipay has repayment methods such as automatic repayment, early repayment and installment repayment. The consumer pays this month and next month, and the bill is repaid on time without extra charge. Second, users of credit lines can advance the amount of ant flowers when spending, and repay before the 9 th of the following month after confirming the receipt. The longest interest-free period is 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months. On the repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (the function of withholding Yu 'ebao is required) and debit card to pay the outstanding part of the bill (the repayment order can be adjusted and modified by itself), or you can take the initiative to repay. Therefore, in order to avoid overdue, please ensure that the amount of Alipay account is sufficient. On July 30th, 20 19, Alipay started to make an appointment to adjust the billing date and repayment date in Bai Hua: users who have signed contracts for more than one year will enter Bai Hua-My repayment date after system evaluation, and users can choose to repay on June 5th, 5438+05 or 20th, and the billing date will be adjusted accordingly to June 5th or 10. Third, the user feedback ant flower buds have just been launched, and they have been strongly sought after by online shoppers. According to the data, 33% of users in Bai Hua are post-90s, post-80s users account for 48.5%, and post-70s users account for 14.3%. It can be seen that compared with other payment methods, ant flower buds attract more new generation consumer groups. For young users, the attraction of ant flower beds is that they can use credit lines to shop. The survey results show that women's wear, accessories, beauty and skin care, handbags and shoes account for more than 20% of the goods purchased by ant flower buds. Snacks, specialties, drinks and other foods ranked second with 10%; Followed by digital, maternal and child supplies. Users use ant flower beds to pay more by mobile phones, and their mobile transactions account for 60%. At present, it includes function opening, bill inquiry, repayment and so on. The ant flower garden has all realized the mobile application operation.