Chen Fucheng (Postgraduate in Banking and Finance, Queen Mary College, London) On the eve of Ant Group's listing on the Shanghai Science and Technology Innovation Board and the Hong Kong Main Board, it was interviewed by the Chinese government . It is expected that the first round of fundraising will be the largest IPO in history, which shocked the global capital market.
However, while Jack Ma’s ambitions are blocked, the innovation and expansion of digital finance continues to be carried out in full swing in photo background removing countries around the world, and the development trajectory of Ant Group is still regarded as a reference value. As the segment that separated Alipay from Ali Group, the business scope of Ant Group has long been not limited to payment. The launched Ant Financial has become a super app that integrates payment, lending, asset management, and insurance, and will be used in the daily life of the general public. All financial services can be handled by it. Ant Financial starts from payment. When cashless consumption becomes daily, people gradually become accustomed to the complementary relationship between finance and technology, and a huge number of online transaction records are created.
Then, based on big data, lending and asset management The digital development of other businesses will come naturally. Taiwan, which has different development conditions, fell into the bottleneck of popularization in the stage of electronic payment, and the proportion of cashless transactions increased slowly. The joining of users is often only induced by the limited discounts and promotions of the project, and there is still a gap between changing consumption habits. After realizing the predicament, some digital financial players try to skip payment and go straight to other financial services such as lending, wealth management or community transfer. However, while the general public still holds a semi-abstract concept of financial digitization, there is a lack of transaction data support, so the digitization of these businesses is mostly about the optimization of the user interface, and has not really entered the stage of creating new application scenarios. In recent years, the go