The most striking financial product behind "demand+"is the money fund, so the main function of nostalgia makes people vaguely remember the two-year baby war. Yes, the rate of return above 5% is really eye-catching, but has this tactic been used less in the past two years? Through subsidies, the yield of the money fund exceeds Yu 'ebao, and then it claims that it is better than Yu 'ebao, but in fact, the long-term income gap of the money fund is not big. Wechat Finance failed to help China surpass Tian Hong, and Weizhong's "Current Plus" will not become the second balance treasure.
The functions of "regular+"and equity funds are more common. These insurance wealth management and stock funds are the regular options of all wealth management apps, not to mention compared with Alipay, which has its own lucky treasure and bought several meters of funds. Ping An Wallet has the advantages of asset products and has no advantages. If we have to talk about advantages, Weizhong can be safer as a bank than P2P, and more flexible as a private bank and workers and peasants, which is also differentiated competition.
As the core function of individual page display, transfer function is even more puzzling. What are the advantages of Weizhong Bank that make it feel so good about itself and think that it can compete with Alipay and other banks in terms of user stock wealth? The advantage of Yu 'ebao's unrepeatable success lies in the deposit funds of Taobao Tmall, the world's first e-commerce. Does Weizhong Bank want to establish a financial moat for transfer with the help of WeChat first acquaintance relationship chain? Transfer is not an independent financial demand, but a wealth management and various specific scenarios that support this demand. Tencent's accumulation in the field of financial assets is far less than that of Ping An. Although WeChat won the Red Packet Campaign, it is still weaker than Alipay in various consumer payment scenarios. Relying on financial management and transfer, we can only keep the existing site small and secure, and can't trigger greater industry changes.
Weizhong Bank's current transfer can only be reversed between its own accounts, and the arrival speed is still very good, and the transfer is in seconds.
It can be seen from the interface of transfer that "Weizhong Card" should be the future demand deposit account of Weizhong Bank. If it is a third-party payment, you can compare the transfer cost and speed with the bank. For example, once the maintenance of the central bank's large and small systems stops, the bank's transfer service can only be suspended, but Alipay's transfer can be used normally. If Weizhong Bank strictly abides by the bank's operating rules, it will find that neither the transfer fee nor the speed can beat the third-party payment with higher freedom.