Online payment
There are two typical products in the payment field: Alipay, Tenpay and Epro. Third-party payment is characterized by paying attention to online business, which is closely related to electrical goods, and there are some online merchants like Lacarra. The other is the bank's online banking payment, which is essentially the same as the third-party payment and can realize the function of non-cash payment through the network. However, banks open accounts online and fight with each other. Online banking payment has developed rapidly, but it has made a dowry for third-party payment.
Online loan
Loans are also two typical products, e-banking represented by Ant Financial and P2P represented by Renren Loan. Ants can now realize the three functions of loan remittance, which is different from traditional banks. The advantage of ants is big data. By mining the big data of electrical goods, the credit risk of e-finance can be reduced, which is also the future development direction of the network: highly integrated with electrical goods. Everyone is familiar with this. It is emphasized that online P2P and online banking are completely different concepts, and the essence of P2P is financial disintermediation.
Network asset management
The typical product of asset management is fund electrical products represented by Tiantian Fund. The rise of fund electrical products in recent two years comes from the license bonus of third-party fund sales qualification, which has no advantage in itself. Theoretically, the fund e-commerce platform can recommend suitable products to suitable customers by mining customer data, but at present, the main consumers of domestic financial management are middle-aged and elderly people, and sales still need a lot of manpower. This is a heavy mode of online display of VoIP transactions, and data mining is out of the question. There are insurance electrical products.
Internet securities