Credit cards are licensed businesses, and consumer loan institutions do not have the qualification to issue cards and cannot issue cards directly. Instead, fax number database they are tied to second-class bank accounts and payment institutions to realize the credit card-based consumption of consumer loans. In the transaction process, users can directly choose this option when they open the payment tool. Virtual card-like (consumer loan behind it) payment, endows the consumer loan with the attributes of some credit cards.
Consumer loans are becoming credit cards, which is not only a model change, but also represents the evolutionary direction of the industry in my b2b data opinion. evolution In the consumption payment link, the demand for consumer loans will only be generated. Therefore, the secret of consumer loan acquisition has always been to be infinitely close to the consumption scene and to the payment link - the closer to the payment link, the closer to the user's needs, and the closer to success.
In the early days, consumer financial institutions fax number database relied on the offline store model to meet the needs of users. Represented by Home Credit, staff are stationed in large and small 3C stores. When consumers take out their wallets to pay, the sales manager rushes over to carry out loan marketing. On-site application, immediate use. Later, the e-commerce platform fax number database developed its own consumer financial products, replicating the offline model of Home Credit in the online scene—that is, in the payment link, recommending users to use their own installment products, such as Ant Huabei, Suning Wayward Pay, etc., using installments Interest-free and other subsidy strategies quickly captured consumers. The early entrepreneurial institutions such as Fun Fenqi and Fenqile also replicated this model in terms of business logic. They first built online 3C shopping scenarios, and embedded instalment products in the payment link, and they rose rapidly.