My Fintech Empire

Netizens discovered that the "Payment Credit" function on WeChat also has a small game called "Credit PK", which can be compared with friends, and it is also for the convenience of knowing the credit level of friends around them.

If the other party authorizes and agrees, you can also directly check the other party's credit points.

In addition, it is worth mentioning that the users who have enabled this function are all real-name authenticated users. Relying on the WeChat platform, the coverage is huge, so many people who used to have no credit records in the traditional credit investigation can now also have their own credit. Rating.

In the morning of the next day, the WeChat operation team posted a dynamic blog post on its official Weibo, officially announcing that the first day of the launch of the "payment credit" function, the number of activated users exceeded 12 million.

The scale of this figure shocked the industry. With this momentum, it will not exceed 100 million in half a month?

It can be said that the debut is the peak.

However, this is both unexpected and reasonable.

After all, it is backed by a super social platform whose user scale has exceeded 600 million, and they all agree that the user scale of the "payment credit" function will most likely be the same as that of the WeChat platform in the future.

All of a sudden, netizens were posting their credit score levels on their WeChat Moments, as well as the results of their “credit PK” with their friends.

The content of this new version of WeChat’s update can be said to have pushed people’s attention to their personal credit situation to a whole new level.

Many people didn't pay much attention to the matter of credit investigation, and didn't care too much, because it is hardly used in ordinary times, especially the general public who work in the factory screwing screws, and feel that they are too far away from themselves.

But now, many people are beginning to care about and take the initiative to manage and maintain their personal credit, because the higher the credit evaluation, it can really bring great convenience to daily life.

If the credit score reaches the line above 600 points, you can enjoy services such as renting a house without a deposit.

Users who have opened the "payment credit" function are improving their credit score level through various channels, and the higher the score, the higher the score.

Not only can you pretend to be X, but the higher the credit score is, the more special treatment you will get. Among them, what everyone pays most attention to is related to medical care, that is, the service of "diagnosis first, payment later".

This is also the one with the highest credit requirements among the current services in the "payment credit" function. The threshold for this service is 650 points of credit points, and the medical expenses below 5,000 yuan need to reach 675 points to enjoy "" "Diagnose first, pay later" service.

By analogy, the credit points corresponding to the various expense gears that can enjoy the service of "diagnosis first, payment later" are as follows: points higher than 700 correspond to the gear of 10,000 yuan; points higher than 725 correspond to the gear of 50,000 yuan; A score of 750 corresponds to the 100,000 yuan level, a score higher than 775 corresponds to the 150,000 yuan level, and a score higher than 800 corresponds to the maximum amount of 500,000 yuan.

In fact, the credits corresponding to different grades represent the upper limit evaluation of a user's performance ability, which can be used not only in the medical field, but also in consumption in other fields.

For example, if a user's credit score is higher than 800 points, it means that the platform evaluates that he has a credit foundation and actual performance ability within the range of 500,000 yuan, so he can also provide the service of "picking up the car first and paying later" when buying a car .

It’s just that there is no cooperation with car companies yet, but this is also the direction of the platform’s efforts. In the future, it will definitely introduce more third-party partners, thereby enriching the entire credit ecosystem and becoming more diverse.

But also today, there are voices of doubt in the public opinion. Yesterday it was full of praise and heated discussions among netizens. Today there are voices of doubt. It is obvious that people with ulterior motives are playing tricks, and the navy has begun to mobilize.

I was caught off guard yesterday, but today I came back to my senses and started to do it.

The focus of the question is the collection of users' personal privacy. Before the WeChat operation team came out to speak out, Fang Hong directly responded to the question by posting a dynamic blog post on his personal Weibo account:

[Regarding some doubts about "payment credit" on the Internet, the WeChat operation team is currently busy inside and outside, so let me say a few words for them. This function will not collect personal information such as user chats, text messages, calls, etc., nor will it collect and track users' remarks on social media. Even with the user's authorization, only necessary, effective, and various dimensions of data related to economic and credit evaluation are collected.

Except for special circumstances otherwise stipulated by law, the collection, sorting, processing and output of user information, whether it is a credit payment function or a third-party cooperative agency, must be authorized by the user. Without the user's authorization, neither the function nor the partner organization can call the user's data.

In addition, Quantitative Capital provides technical support. All data is operated and calculated through a scientific scoring model without manual contact. The system will automatically desensitize sensitive data through algorithmic rules.

In addition, the risk control management also introduces the risk control system of Qunxing Capital. It has excellent credit management system construction experience and gathers top data scientists and financial industry leaders in the industry. It deeply integrates traditional credit evaluation and Internet innovation credit evaluation. Industry with rich experience and deep insights.

The various network platforms under the Galaxy system have a large amount of user data. It is undeniable that we have indeed mastered a large amount of private information of users. This is the trust of users in our platform, and the trust of users in us is also the basis for the platform to be strong. Responsibility, when users no longer trust us, it will also be the beginning of decline. We will not do the work of digging the foundation ourselves.

The requirements of the law are the minimum standard, and our protection of users' personal privacy is higher than the minimum standard of the law. We can make money by standing up. It's not bad to smash the signboard with the money without conscience. It is difficult to calculate the gains and losses of this account.

In a nutshell: the people know in their hearts whether the country is good; the students know whether the teachers are good or not; the users know whether the products are good or not. 】

Fang Hong's response blog post was updated, and it was quickly reposted and discussed by netizens from all walks of life. It easily got millions of likes, especially the last paragraph of the blog post. Netizens said that a big boss is a big boss. It is both down-to-earth and level-headed, and has also been forwarded and cited by various self-media.

This blog post responded to dispel many users who have concerns about privacy. After thinking about it, it does make sense. Qunxing Capital has the ability to stand up and make money. This has been proved by countless examples.

The most typical recent example is last month's massive reverse cut on Wall Street, which also prompted Qunxing Capital to fully intervene in reshaping the medical field.

Taking a step back, the abuse of personal privacy by other corporate organizations is well known, because there is currently no specific legal targeted management in this area, and it is an area where supervision is lacking. The banner of "anyone can do anything" is used as a shield to seek benefits and act recklessly.

Under such an environment, Qunxing Capital can still restrain itself and manage its holding subsidiaries well.

In comparison, it looks like white moonlight.

This is the dignity that large companies should have. As Fang Hong said, users know whether a product is good or not.

The reputation we have gained over the years is not just what we say, but what we have been doing, and the public is watching.

The doubts that had just emerged were quickly dispelled by Fang Hong's blog post.

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