Abstract: application layer extension is more extensive, more prominent is the loan, financial management, public raise, insurance. The application layer is as crowded as BAT is doing. But compared to the infrastructure layer and the middle layer and the application layer giant recklessly, more opportunities for broader extension, can choose more opportunities.
November 5th, focused Internet financial financial consumer finance platform – Murray announced obtained by Bertelsmann Asia Fund led, Morningside ventures, light capital, digging fiscal and other 6 funds and strategic investors with investment of $65 million A round of financing. According to Murray financial said that this round of financing a year of Internet financial circle the largest scale A round of financing record.
Murray financial founder and CEO Liu Yannan in May 2012 with the creation of favorable net, in September 2015 will no longer serve as favorable position of CEO.
Liu Yannan believes that the Internet Financial outlet has changed, Murray financial reason positioning for consumer finance, is based on the following reasons:
a, Internet banking, including the infrastructure layer, the middle layer, application layer, entrepreneurial opportunities in the application layer
what is the infrastructure layer, including payments, big data, cloud computing, etc., is to support the further development of Internet banking infrastructure, however, this layer has been BAT, Jingdong and other monopolies. Over the years, the giants with numerous human and financial resources piled up to form a structural advantage, venture capital companies have no chance, no amount of money into the financial useless.
what is the middle layer? Including credit, credit etc.. Have to provide payment, big data and cloud computing infrastructure support level, can make the credit such things in the middle layer, have a lot of data dimensions and data fields even more efficiently than the traditional credit bureau report. And Liu Yannan said, in an attempt to increase trust, the financial aspects of the Internet, a very painful is always to prove yourself, to prove their serious and responsible. And as long as these things to do BAT, someone will believe them, financing costs to be much lower.
application layer extension is more extensive, more prominent is the loan, financial management, public raise, insurance. The application layer is as crowded as BAT is doing. But compared to the infrastructure layer and the middle layer and the application layer giant recklessly, more opportunities for broader extension, can choose more opportunities.
two, the application layer of loans, financial management, all the chips, insurance, which should be chosen as the direction of entrepreneurship
Liu Yannan said that after the selection of the application layer, it is necessary to select a specific entrepreneurial direction, he is through the frequency, stickiness, scale, the degree of non-standard and the chain of these dimensions are analyzed.
frequency and viscosity is very important, because the transfer cost of Internet users is very low; to take into account the scale effect and replication level and choice of business model to copy, to quickly get more users;
Liu Yannan Table >