On June 14, Ant Jubao underwent a major revision and update, and was upgraded to "Ant Fortune". Another move by Ant Financial has naturally attracted widespread attention, including various media, fund companies, banks, brokerages, regulators, public Buy email list wealth management users, including Internet people from all walks of life.
This article starts with the following three questions, from "ant treasure" to "ant wealth", to see how Ant Financial plans and develops:
The original intention of Ant Financial?
Ant Treasure Upgrade to Ant Fortune?
Where should the wealth of ants in the later period go?
1. The original intention of Ant Financial?
1. The success of Yu’ebao: cultivated users’ financial management concept
In 2013, Yu’ebao was born, and it gained 4 million users and over 10 billion funds in a month, and now has about 300 million users and an asset scale of over 800 billion . Internet financial management is more and more accepted by the general public. Its more important significance is not for how many users earn how much income, but for cultivating the financial management concept and awareness of the general public with great representation and influence.
In addition to the traditional banking financial services, stocks and funds, they are also more willing to try more convenient online financial services through the Internet through mobile phones. P2P lending and P2P financial management have also gained fertile soil for growth. Even if the policy changes from vacuum to rectification, even if the platform changes from prosperity to running away, it is still constantly acquiring more users, still educating users, and still being counteracted by users on!
Yu'ebao is a milestone product in the history of China's Internet finance. And it is the strategic upgrade of Ant Financial from payment to financial services. Payment is the basis for Yu'ebao's thrilling leap. At the same time, Yu'ebao is also the core link - it links Alipay and Ant Jubao.
2. User positioning: large group, young people, low total net assets, less understanding of financial management
Ant Jubao's philosophy is "to make financial management easier", and its target user group is no longer a specific sub-group, but the general public who have little or no involvement in financial management except for bank savings. Generally speaking, the user group is large, tends to be younger, the total net assets are low, and the understanding of financial management is relatively shallow.
And from the previously released "Ant Jubao Public Investors Big Data Analysis" can also be seen:
The proportion of users with a single investment of 1,000 yuan or less on Ant Jubao is as high as 71%. Although the money is not much, they also have financial needs;
90% of users have experienced a mismatch between risk perception and actual investment behavior;
Most users do not know how to diversify their investments, and only 30% of users invest in 2 or more funds at the same time (the data does not include Yu’e Bao);