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“信用+”是下一个十年最大的商业红利
2017-08-31 02:55:39 中国青年网
廖宇奇
王博
卓燃
蚂蚁金服芝麻信用运营总监
廖宇奇
2000年以前,是一个资源红利的市场,房地产公司、能源公司在这个红利过程中逐步发展壮大,成为巨头。在过去十几年,进入了技术红利的市场,越来越多的公司基于互联网的能力做了一些应用,出现了很多互联网巨头。信用+将是下一个十年最大的商业红利。
“信用+是下一个十年最大的商业红利。”8月30日在成都举办的蚂蚁开放日上,蚂蚁金服芝麻信用运营总监廖宇奇分享了他对智慧信用体系建设的一些思考,“我们认为一切需要押金的场景,导致效率不高的场景,需要证明自己的场景,结合信用都有可能迸发出新的火花。”
廖宇奇认为,2000年以前,是一个资源红利的市场,房地产公司、能源公司在这个红利过程中逐步发展壮大,成为巨头。在过去十几年,进入了技术红利的市场,越来越多的公司基于互联网的能力做了一些应用,出现了很多互联网巨头。现在这个阶段,互联网在加速解决一些问题,然而,一些线下线上的问题是互联网没有解决的。如果有一家中间的服务机构能解决商户人与人之间的互相信任的问题,就能极大的降低交易成本,服务更多用户。“国家层面已经提出来要建设社会信用体系,芝麻信用将在这个大潮下助力政府和社会建立信用的城市。”廖宇奇表示。
廖宇奇举例说,信用+出行,共享单车ofo就是基于芝麻信用分做了免押金的服务。支付宝、芝麻信用和杭州、武汉公交合作,开通电子公交卡服务,先乘后扣,从此不再担心忘带公交卡和零钱。信用+3C回收,一些创业公司回收二手手机,以前只能通过线下做,线下营业员收了手机寄到总部评估值多少钱,把这个钱返还给用户,一来一回几个礼拜。现在厂家打开芝麻信用看一看,你把手机填报上去,评估后先打款后寄送,整个流程大大缩短。信用+政务办理,人们去政府办事,老是让你跑腿,因为他要当面识人,支付宝、芝麻信用通过与深圳等地的公积金、养老金办证中心合作,对方用支付宝扫一扫,看到有这个人在,你可以不用去现场。
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