Beijing Business Daily (Reporter Liao Meng) At the moment when online shopping is all the rage, various e-commerce platforms have launched various functions such as use first and pay later, password-free payment, and credit installment in order to simplify the shopping process. Now, this kind of use-first-pay-later function has also moved to the offline service industry with the blessing of the trust mechanism of relevant platforms.
On February 28, the APEC Small and Medium-sized Enterprise Informatization Promotion Center (hereinafter referred to as the "APEC Small and Medium-sized Center") and the China Industrial Cooperation Association jointly released the first domestic digital quantitative analysis report on the small and micro service industry - "Digital Transformation Path of the Small and Micro Service Industry".
The report points out that in the current process of promoting the credit digitization of the small and medium-sized service industry, Internet platforms and SaaS service providers have formed a "platform + SaaS model", that is, the platform provides SaaS service providers with credit mechanisms and underlying technical infrastructure, helping SaaS service providers accelerate the advancement from providing shallow SaaS tools to deeply coupled credit services.
After calculation and model fitting, the report points out that through the intervention of the platform's trust mechanism, every 1 credit basis point added by merchants or consumers can increase the transaction opportunity by 3%-5%, driving an increase in consumption by 08%。
Zhang Huidong, director of the APEC Small and Medium-sized Enterprise Center, told Beijing Business Daily that the digital technology capabilities provided by the Internet platform for the small and medium-sized service industry are being upgraded from tool digitization to credit digitization. As the cornerstone of the digital age and business society, credit can help small and medium-sized service industries improve customer acquisition capabilities and operating income, help consumers reduce investment and risks, and help boost consumer enthusiasm and effectively stimulate consumption.
In fact, in recent years, in order to further reduce the threshold for user decision-making, e-commerce platforms such as Jingdong and Pinduoduo have successively launched functions such as use first and pay later, 0 yuan order trial, etc., and users can delay payment when shopping. This kind of function also has certain review requirements for user credit qualifications, for example, ** requires users to have a sesame score of 650 points and above, and JD.com requires Xiaobai to keep the score of at least 300 points and pass the risk assessment.
The report takes Alipay data as an example to illustrate, according to the merchant's own settings, through the Sesame credit assessment, the sesame score reaches a certain level of users can use the service first, without paying a deposit, helping the merchant control the risk and reduce the threshold for users to use the service.
In addition, judging from the content of the report, in the process of digital upgrading of the small and medium-sized service industry, in addition to the construction of deposit-free services in scenarios such as rental, power bank, scenic spots, hotels, etc., the trust mechanism built by the platform is also spreading to the service industries such as beauty salons, fitness yoga, pet grooming and fostering, and dismantling the original tens of thousands of stored-value cards into "stage payment".
To put it simply, on the basis of credit built by the platform + SaaS model, the platform endorses consumer credit, so as to achieve no deposit or recharge, no card consumption, and segmented payment at the corresponding merchants. On the one hand, this model relieves consumers' worries about merchants "running away", and on the other hand, it can absorb consumers who are not able to pay a deposit or prepay a large amount of money at one time but have the willingness to spend, so as to match more consumption.
In response to this model, reader Li Li (pseudonym) bluntly said in an interview with a reporter from Beijing Business Daily that compared with scenarios such as online platforms, he is more looking forward to the trial under **, especially the segmented payment of yoga studios, hair salons and other scenarios. "In recent years, there have been frequent news of such prepaid card institutions running away, and I don't dare to take risks in my daily consumption. If you can pay through segments, consumers can not only consider the service level, but also ensure the safety of their own funds, and their willingness to spend will also increase. Li Li added.
Wang Hongyan, pan-industry director of Alipay, said that from solving the credit of online buyers and sellers, to solving the credit of large-value transaction scenarios in the offline service industry, Alipay has been focusing on establishing and consolidating the credit of transactions in the past, and its capabilities are also constantly upgrading and integrating into physical and specific business scenarios.
Zhang Huidong believes that all parties have achieved the prosperity of the platform based on trust, and the platform has also derived a new form of trust economy in the value co-creation, promoted the low-cost and healthy development of the economy and society, and injected new energy into stimulating consumption. "Led by digital intelligence, it will be the trend and need of the times to further accelerate the integration and development of digital technology and life service industry. ”