Jun 18, 2022
In ASK US ANYTHING
The entire contact point between users, products, and business is on the bulk sms service side of the partner institution. It is impossible to bring current users to licensed consumer finance companies, and there will be no customer retention. . In the long run, it will inevitably put licensed consumer gold companies at a disadvantage in terms of business discourse power and product bulk sms service pricing power. Although most consumer finance companies also try to innovate their own products, the main reason for their failure is to operate financial portraits = user portraits. Market Situation Analysis No. 4: Introduction to Other Mainstream Consumer Finance Models In bulk sms service addition to licensed consumer gold, there are still many other successful and mature business models in the market, which are also worthy of our analysis and reference. Mode 1: Consumer finance companies that operate and deliver traffic: platform-based and asset are obvious, and profits mainly bulk sms service come from matching loan commissions. At present, there are also financial consumer technology companies that only provide traffic, mainly 360 IOUs and Rong 360. Compared with traditional loan super platforms, which simply and strongly bind users to consumer finance platforms, such platforms use Ai intelligent risk control to use IOUs. Matching and matching for the dimension and the bulk sms service fund side increases the withdrawal pass rate of customers, and also makes the maximum degree of asset matching for the fund side. This model transfers the risk to the funder, distributes assets to the greatest extent, improves asset utilization, and optimizes customer experience. However, customers still use it when they have a loan demand, and customer stickiness is poor. Mode 2 is a consumer finance company bulk sms service with refined user operations: it is actually operated by e-commerce users, and has entered the deep water area of existing users A typical company in this model is Lexin (Fenqile), which is actually a scenario-based operation .