What is electronic red-envelope?
Did the bank launch it first? Electronic red-envelope? Business, but the bank didn't do much publicity for this new business.
Later, with the popularity of Internet consumption, network operators (websites) distributed red envelopes by organizing online activities during the Spring Festival and other holidays, which gradually became a promotional marketing model for users.
During the Spring Festival of 20 14, many Internet families distributed red envelopes to customers, relatives and friends through third-party payment tools such as Alipay, Tenpay and WeChat payment. Electronic red-envelope also refers to a new way to distribute red envelopes.
E-commerce began to permeate every link of the festival. For example, online consumption? Electronic red-envelope? Get rid of it? Red paper bag+cash? The traditional model is very popular among young consumers.
Brief introduction of electronic red-envelope.
Development history
Did the bank launch it first? Electronic red-envelope? Business, this kind of red envelope doesn't need to meet each other at all, and it doesn't need the consent of the other party. The giver can send a big red envelope of up to 5000 yuan to the other party's account, and there is nothing in kind for others to see. This time, in addition to electronic red-envelope in Mid-Autumn Festival and National Day, our bank also launched electronic red-envelope for birthday, wedding, promotion, congratulations and blessings, which almost summarized the timing and occasion of giving red envelopes. However, due to some unknown reasons, the bank did not publicize this new business too much.
With the popularity of e-commerce network consumption, the network-based electronic red-envelope? It is becoming a new fashion for some new families. This kind? Electronic red-envelope? Send through the network third-party platform. Become a weapon for major businesses to attract members and advertising marketing.
Alipay is on the home page, specially set up? Gift money? Function, users only need to enter the recipient's account number and red envelope amount, and then enter the payment password after submission to complete the red envelope sending immediately. ? Electronic red-envelope? Also supports a variety of red envelope styles. Users can not only upload personalized blessing pictures, but also write personal greetings.
20 14 during the Spring Festival, WeChat red envelopes? Become famous overnight. A few dollars or even a few cents? Profit market? In the joy of mutual begging and distribution, the interpersonal distance has been narrowed, while the traditional? Send a red envelope? Inject new fashion into social networks.
applied range
Due to the emergence and popularity of e-commerce, electronic red-envelope has already surpassed the banking business. Anyone who falls in love with group buying network and some large electronic morning platforms, such as online shopping malls such as Taobao and Paipai, will know that some discount coupons, rebate coupons and vouchers belong to electronic red-envelope.
Operation mode
People who send red envelopes can write down what they want to say or hope on the electronic red-envelope and send them out at the same time. It's very convenient and quick. You don't have to give it to them in person. It's basically done? Heaven knows the earth, you know me, others don't know?
After the electronic red-envelope is issued, as long as you log in to the online banking, the other party can query the account, bank card details and online banking transfer details.
Is the user finished sending it? Red envelopes? Later, if a friend delays withdrawing money through a bank card, a red envelope? It will only exist in a friend's WeChat interface forever? New year's red envelopes? , will not be automatically returned to the issuer's account. This also means that once the user does not bind the bank card, although he grabs the red envelope, it can only become dead money, and the issuing bank also suffers an economic loss invisibly.
The influence of electronic red-envelope
Social assessment
Compared with tradition? Red paper bag+cash? Model? Electronic red-envelope? More lively and contemporary.
Users who receive red envelopes can spend their money on online platforms such as Taobao to buy their favorite gifts and goods, then? Electronic red-envelope? The practicality of is getting stronger and stronger.
Is it not subject to geographical restrictions? Electronic red-envelope? A big advantage of.
Some young consumers around the age of seventeen or eighteen, because they don't have their own bank accounts, can only make online shopping through their families or recharge at offline outlets, which is very inconvenient.
With the increasing anti-corruption efforts, some corrupt elements' behaviors of abusing power for personal gain are becoming more and more concealed, and the means of evading the law are becoming more and more cunning. One of the important manifestations is to avoid conspicuous objects that are easy to become criminal evidence, but have a soft spot for money that is easy to collect and hide afterwards, so it is difficult to accept it completely, and gradually reach a * * * understanding and tacit understanding with bribers, which increases the concealment of power and money transactions.
Most ordinary people don't need to use computers to send red envelopes. They feel cold and impersonal. They will not communicate with their relatives and friends in this way, and they are unwilling to accept their relatives to express their feelings in this way.
Related report
? For a piece of eighty cents, countless local tyrants competed to bend their backs. ? Did I give you a wave of red envelopes on the social network of 20 15 New Year's Eve? Brush screen? Electronic red-envelope War in the Spring Festival of the Year of the Sheep, WeChat no longer? Braving the wind and waves? , Baidu, Ali, Tencent giants have participated in the exhibition, but also Mo, Aauto Quicker and so on? Private? . As an important entrance to Internet finance, payment has always been regarded as competing for users? Portal fortress? . ? Eighty cents? Behind it lies the huge market ambition of Internet companies.