In recent years,The Internet dividend has gradually passed its peak, especially e-commerceThe industry ceiling is within reach. In terms of the indicator of online shopping users, in the first ten years of the emergence of e-commerce, domestic online shopping users grew at a rapid rate of about 30% per year, but in recent years, the growth rate of online shopping users has slowed down significantlyThe number of online shoppers in 2022 is 84.5 billion people, and 8Compared with 4.2 billion users, the growth rate is only 03%, has reached the limit of growth.
At a time when the industry is facing a ceiling crisis, the competition in the e-commerce industry is becoming more and more fierce, especially the rise of new e-commerce companies such as Pinduoduo and Douyin, which has brought a huge impact to established e-commerce companies such as Alibaba. Once regarded as a panacea, today's traffic has also begun to diverge.
In this context, Alibaba, as the most prosperous e-commerce leader, has also begun to slow down significantlyIn fiscal year 2023, Alibaba's revenue growth is only 2%.
Especially recently,Jack Ma's family trust, Alibaba, is about 6.4 billion yuanLet Alibaba be the focus of attention again. In factSince Alibaba's listing in the United States in 2014, Jack Ma has cashed out many times. In addition, on September 10, Tsai Chongxin, chairman of the board of directors of Alibaba, issued a letter to all employees, announcing that he would take over as the chairman of the board of directors of the group, and at the same time mentioned that the board of directors of Alibaba accepted itDaniel Zhang stepped down as chairman and CEO of Alibaba CloudThe position will be held by Wu Yongming, CEO of the Group.
As a global e-commerce leader,Alibaba has been repeatedly founded**, as well as the constant adjustment of the organizational structure, but also put a big question mark on the future of this companyWill Alibaba still be good?How far can e-commerce platforms go?
With the development of Internet technology, a large number of platform-based enterprises have emerged in the modern market, and they have highlighted huge advantages in business development. In layman's terms,The platform is a marketplace where different groups are supported by Internet technology, such as Amazon, Alibaba, Didi Chuxing, etc. The platform enterprise and the platform it operates are both intermediaries and infrastructure, because the platform can provide a space for multiple parties to interact and trade, the transaction party leaves a digital trace in the space provided by the platform, and the enterprise can record and extract the user's behavior data on the platform, which can be processed and analyzed for its own use.
However, the e-commerce platform, even if it has a strong human algorithm and the ability to bite interests,But there are also some unavoidable flaws.
Data security risks
E-commerce platforms need to store a large amount of user data and transaction data, and the security of these data is very important. However,Data leaks and data tampering on e-commerce platforms occur from time to time, which has brought a lot of losses to users and platforms.
Platform monopoly issues
E-commerce platforms tend to have market share concentrated in the hands of a few large players, which may take advantage of their dominant positionUnfair treatment of small businesses, and even malicious exclusion of competitors.
Product quality issues
The quality of goods on e-commerce platforms is uneven, and some merchants may sell counterfeit and shoddy goods, causing losses to consumers. WhileThere is also a certain degree of difficulty in the management of merchants on the platform, and it is difficult to completely eliminate this situation
After-sales service issues
There is often a certain lag in after-sales service on e-commerce platformsConsumers need to wait for the platform's reply and handling when they encounter problemsThis process can be lengthy and tedious. And some platforms are for:There is also a certain amount of prevarication and delay in consumer complaints and rights protection.
Competitive pressure issues
The competition between e-commerce platforms is fiercePlatforms need to constantly innovate and invest a lot of money to attract and retain users. However, this competitive pressure may also lead to platforms being inIn the pursuit of short-term profits, user experience and service quality are neglected.
In order to make up for the shortcomings of e-commerce platforms, some platforms have begun to try decentralized trading methods, through:Establish a more secure, transparent and credible trading environment, so that transactions are more free and autonomous.
Meet consumer needs
Modern consumers are increasingly looking for security, freedom, and personalization in their transactions. Traditional transaction methods often have some security risks, such as information leakage, fraud and other problemsSafe, autonomous and free transactions can better protect the rights and interests of consumers and improve consumer satisfaction.
Adapt to the development of the digital age
With the advent of the digital age, more and more transactions are conducted through the web and mobile devices, and this trend makes a secure, autonomous, and free way of transacting even more important. These transaction methods can better adapt to the needs of the digital era and improve the efficiency and convenience of transactions.
Improve the transparency and fairness of transactions
Secure, autonomous, and free trading methods can better ensure the transparency and fairness of transactions. In traditional transaction methods, some dishonest merchants may take advantage of information asymmetry to deceive consumersThis transaction can reduce the occurrence of this situation and protect the rights and interests of consumers.
Promote innovation in business models
Secure, autonomous, and free transactions can promote business model innovation. Traditional business models often have some limitations and bottlenecks, and this transaction method can break these restrictions and bottlenecks and promote the innovation and development of business models.
Adapt to the development of global economic integration
With the development of global economic integration, more and more enterprises and consumers have begun to set foot in the international market. Secure, autonomous and free transactions can better adapt to the development of global economic integration and improve the efficiency and convenience of transactions.
The development of the e-commerce industry is a process of continuous exploration and innovation, and there may be more new technologies, new models and new formats in the future, bringing more opportunities and challenges to the e-commerce industryFor example, autonomous and free transactions. However, at the same time, this method also needs to strengthen the construction of relevant laws, regulations and regulatory measures to protect the legitimate rights and interests of users and merchants, and promote the healthy development of the e-commerce industry.
Chain receipt and payment,It is a settlement method in which both parties to the transaction establish a digital commitment suitable for delivery and repayment for the price management that has been issued and automatically arrived within the agreed time limit due to the debt of the contract, so as to promote the conclusion of the transaction and promote the completion of the transactionIt is a digital contract service platform that has signed a contract with UnionPay CommerceFor the first time, a model of trader autonomy was proposed and realized, using the rules of digital contracts to resolve the crisis of confidence.
Chain payment settlement is different from othersIt only provides technical services. Chain period (the latest deadline for the transaction to be received:For example, if you set a 5-day chain period, the transaction funds will be automatically credited to your account after 5 daysAfter the payer takes effect, the payer can release the chain payment (transaction payment) in advance based on the business agreementThe beneficiary can return the chain payment in advance based on friendly negotiation(Transaction money).
The altruistic empowerment mechanism can release goodwill and block the possibility of self-interest harming others, and the payment and return are all immediately executed and irrevocable. Even if there is a dispute between the two parties, the platform's unique entropy reduction mechanism can be used to let the non-disputed part be resolved first, and the disputed part can be resolved during the dispute resolution period.
"Rest assured of payment, peace of mind of delivery".It is the product concept and the corporate mission of the twin shell technology that the chain has always adhered to. Abide by the compliance boundary, which will be proposed on many platforms, but Twin Chain Receipt and Payment makes it more detailed, more transparent, more standardized, and more comprehensive. We don't know the whole leopard without a peep
Money flow compliance
The flow and attribution of funds are limited to the payer and the payee and cannot be spilled over, laying the compliance foundation for the safety of funds.
Information flow compliance
The holder of the chain receipt and payment account independently submits the identity information to the CRP-S interactive system. Sensitive or important information other than the relevant online banking login information and the basic information required for chain receipt and payment will not be touched.
Digital compliance
As a contract participant, the holder of the chain receipt and payment account agrees that the bank-dealer system will execute the subjective and automatic instructions of the CRP-S interactive system on the settlement and return of foreign exchange.
At the beginning of the birth of chain receipt and payment, trader autonomy is the absolute C position, but it does not stop at autonomy and freedom.
This is also what the chain has been trying to explore and has gradually realized the prototype, that is,Think of it as an important platform for customer acquisition, retention, cross-selling, and user data accumulationIt is also the front station tentacle for a series of follow-up services, so as to improve user activity and conversion rate.
Currently,Chain collection and payment has been gradually embedded in life service scenarios, building content sections, discussion communities, etc(Such as the birth of prepaid security). This is undoubtedly the way to get closer to the needs of the user. Appropriate product integration methods can also stimulate the potential needs of users, further improve users' willingness to use, and integrate more digital life scenarios through self-construction or cooperation, so that the reach of terminals is one step closer.
Needless to say, user data is another valuable asset that digital life platforms can bring, and its importance to businesses cannot be overstated.
From the perspective of digital economy construction, we see that through innovative technology, chain collection and payment can communicate with users in depth in order to be more suitable for the scenes of users' lives, so as to make the brand scene-based, interactive, experiential, and digital, optimize the user experience, optimize the chain management and avoid risks, so as to enable enterprises to gain greater advantages in the fierce market competition.
In the context of the advent of another era change,What is worrying is not only the aging of Internet companies, but also the lack of succession of new Internet companies. And Ali, the representative of e-commerce, has also come to his own critical moment:In the face of the complex reality and complex group ecology, Ali must restart
Whether it is e-commerce or other industries, constantly learning Xi absorbing new technical methods is an irreversible trend of the development of the times, and an important "wing" of the national economy and even the global economic development. Only by recognizing it, accepting it, and using it can we sail in the torrent of the development of the times.
Chain collection and payment, waiting for you to break the ice together not far ahead.