The double 11th shopping festival is approaching. Different years ago, various Internet giants blew their horns in late October, arranged a whole month of promotional activities, coupons, random reductions and other promotional methods to sugar consumers. Bombing, along with it, financial services have also become an important tool to boost sales.
However, for consumers, the double 11 is to be affordable, and the consumer-centric services are all hooligans. Therefore, to set aside the layers of the promotion of the fog, from the consumer point of view, which consumer financial products really benefit?
Raise the amount to meet: the white strips are more than 10 billion
One said that the double 11, many people will naturally associate Jingdong Mall and Taobao Tmall, although the double 11 was first initiated by Ali, but in the past two years, Jingdong has more and more home court momentum. Moreover, both of them have financial businesses, especially in the consumer finance sector related to Double 11, and both White Strip and Huali have announced their own “wool†for consumers during the Double 11 period.
Jingdong Financial disclosed that from October 26, the white strips opened the temporary lifting function, providing 20 billion yuan for the white strip users, and each white strip user can raise a maximum of 8888 yuan, more importantly, it is consumed in Jingdong Mall. After that, the white-strip users who have less than 20% of the remaining white quota will also make a second increase.
In addition, the interactive game that participates in the white strip can draw prizes. The prizes have 12 interest-free coupons and 1111 yuan white repayment coupons, and the new users of the white strips have the opportunity to get 50 yuan cash straight down coupons.
Compared with Jingdong Finance's 20 billion offer package, ant flower buds are relatively "trick". Ant Financial Service disclosed that from October 18th, consumers can enter the ant flower plaque temporary quota page from Alipay or mobile Taobao, users have the opportunity to temporarily raise the maximum amount of 55,000 yuan, but the total amount of the flower raft is 10 billion. Yuan, this means that there are not many users who have the opportunity to raise the amount, or the amount of temporary withdrawal for each user is not too high.
Then, from the matter of the amount of money, it can be seen that the white strip is bigger than the flower.
Interest-free handcuffs: Huayuan 12 interest-free by luck, white bars to buy 3C goods are all interest-free 12
With the amount of consumption, then, in the interest-free offer, the white bars and the flower buds also offered a big move of interest-free audience.
Tmall Mall has a double 11 pre-sales from October 13th. In addition, from November 1st to November 10th, you can enjoy the 6th installment interest-free service in Tmall or most Taobao merchants. You can get 12-phase installment interest-free activities in the activities of participating in the flower rush to grab the red envelope. Voucher, but the probability of winning will be a good fight.
Let’s take a look at the white strips. On November 1st and November 9th – 13th, we will play “White Strip†shopping in Jingdong Mall. The 6-day interest-free/12-year interest rate will be 50% off (including global purchase); Play the "white strip" first single 12 interest-free / 24 period interest fee 50% off. In addition, in the Jingdong Mall, "white strips" can be purchased in stages to purchase computer office, digital, home appliances and other goods, you can enjoy up to 12 interest-free.
From this point of view, compared with the flower bud, the white-bar interest-free concessions are more powerful, and the 12-phase interest-free categories are also more accurate, in line with the needs of young people.
Multi-consumption: the advantage of the white line is stronger than the flower line.
At present, the white-strip online e-commerce field is mainly used in Jingdong Mall and Jingdong home, but in September this year, thanks to the most advanced NFC (contactless communication) payment technology, Baijo and the bank jointly launched a joint electronic account. White Strip Flash Pay", by binding ApplePay, Xiaomi Pay, Huawei Pay, instantly covering more than 8 million merchants under the line, that is to say, clothing, food and shelter can use white bars to consume.
By double 11, the white strips are also paid, giving consumers a lot of opportunities to smash wool. For example, from November 7th to November 30th, the use of white strips on the online UnionPay POS machine can be randomly reduced, and the maximum can be reduced by 1111. Yuan; double 11 on the same day using white strips to pay, the first order is reduced by 11.11 yuan.
The flower garden is mainly along the way of Alipay. Alipay has now covered 1 million offline merchants, and the flower garden covers a small part of the medical, living payment, shopping mall and other consumer areas.
Although offline consumption is relatively weak, the layout of Huayuan is very wide. In addition to Tmall and Taobao, there are more than 40 home appliance platforms that can also use the flower garden.
In short, the white strips and flower buds have their own characteristics in the field of consumption. During the double 11 period, they must be smart, and the wool must be smart.
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