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亚博最新域名_马云的女贵人



发布日期:2021-02-26 00:14:01 发布者:Admin5  点击率:

At the 2008 Ali annual meeting, Jack Ma wore a white dress and a golden wig. Everyone laughed. The picture was posted on the Internet and was called "the ugliest Snow White in history."

在2008年阿里(Ali)年会上,马云(Jack Ma)穿着白色连衣裙和金色假发。大家都笑了。该图片被发布在互联网上,被称为“历史上最丑陋的白雪公主”。

In 2009, Ali's annual meeting was held in the Ten Thousand People Stadium. Jack Ma wears a red and black jacket with a cockscomb head and a white wig. He looks like Lady Gaga from a distance. The huge screen showed him and Cai Chongxin, who was dressed as Marilyn Monroe, instantly igniting the atmosphere of the scene.

2009年,阿里的年度会议在万众体育馆举行。马云(Jack Ma)身穿红色和黑色外套,鸡冠头和白色假发。他从远处看起来像Lady Gaga。巨大的屏幕上显示了他和穿着玛丽莲·梦露打扮的蔡崇信,立即点燃了现场的气氛。

On December 7, 2009, Alipay’s daily transactions exceeded 1.2 billion, and all business KPIs that year were overfulfilled. The New Year is approaching, and more than a thousand employees have prepared the show, looking forward to the grander annual meeting, and imagining what new ridiculous appearance Jack Ma has.

2009年12月7日,支付宝的每日交易量超过12亿,当年所有业务KPI都超额完成。新年快到了,一千多名员工已经准备好了展会,期待着更宏伟的年度会议,并想象马云的新荒诞面貌。

In January 2010, when everyone walked into the venue of the annual meeting, they realized that there was no stage and the lights were dim. The broadcast sounded at the scene, and 10 user recordings from the customer department were played, all of which were accusations, complaints, swearing and criticism.

2010年1月,当每个人走进年会的场地时,他们意识到没有舞台,灯光昏暗。广播在现场响起,播放了来自客户部门的10条用户记录,所有记录都是指责,投诉,咒骂和批评。

Jack Ma didn't have any special outfits that year. If there was anything impressive, he made the biggest fire in history: "Rotten, rotten, terribly rotten! If you don't pay attention to it, this is Alipay's memorial service!"

那年马云没有特别的衣服。如果有什么令人印象深刻的事情,他将开创历史上最大的大火:“烂,烂,极烂!如果您不注意,这就是支付宝的追悼会!”

Ma Yun shook his words: "Some customers have responded, if there is another Alipay, I will definitely not use yours."

马云动摇了他的话:“一些客户已经做出反应,如果还有另一个支付宝,我绝对不会使用您的。”

This sentence comes from Alian, a woman who changed the fate of Alipay.

这句话来自改变了支付宝命运的妇女阿莲。

Alian's name is Wang Lilian.

阿莲的名字叫王丽莲。

In 2009, after her daughter was born, A-Lian spent more time at home. It is not convenient to take the children out, she learned online shopping with a group of mothers. Because of fear of being deceived, A-Lian seldom searches Taobao for shopping. When she wants to buy something, she goes to the Baoma group to browse the links and see the shops recommended by her sisters.

2009年,女儿出生后,阿莲在家里度过了更多的时间。带孩子出去不方便,她和一群母亲一起学习在线购物。由于担心被骗,阿莲很少在淘宝上购物。当她想购买东西时,可以去宝玛集团浏览链接,看看姐妹们推荐的商店。

After picking the goods, she will find her husband to pay. It's not that A-Lian has no money, but it's just that A-Lian's husband is a programmer-only he can go through many trials and complete the final payment.

领货后,她将找到丈夫付款。并不是说阿莲没有钱,而是阿莲的丈夫是一名程序员,只有他可以经历许多试验并完成最后的付款。

At that time, using Alipay to pay requires plugging in the USB shield, logging in to Alipay, and then importing the digital certificate, then jumping to the digital certificate, entering the bank card password, and entering the Alipay password, a total of seven levels.

那时,使用支付宝付款需要插入USB防护板,登录到支付宝,然后导入数字证书,然后跳转到数字证书,输入银行卡密码,然后输入支付宝密码,总共七个水平。

And every time you jump to a page, the customer churn rate will increase by 5%. So although it is called "Alipay", it only has a 62% payment success rate.

而且,每当您跳到一页时,客户流失率将增加5%。因此,尽管它被称亚博最新域名为“支付宝”,但支付成功率只有62%。

On November 11, 2009, Taobao held Double Eleven for the first time. Taking advantage of the activity, A-Lian took a photo album for the child on Taobao, ready to use when the child was one year old. However, when it came to the payment link, Alian was stuck again. After Taobao clicked to confirm the purchase, her account could not be redirected to Alipay, and there was no prompt on the page.

2009年11月11日,淘宝网首次举办了“双十一”活动。利用这一活动,阿莲在淘宝上为孩子拍摄了相册,准备在孩子一岁时使用。但是,当涉及到付款链接时,Alian再次陷入困境。淘宝点击确认购买后,她的帐户无法重定向到支付宝,并且页面上也没有提示。

The seller told her that it might be a problem with Taobao and asked her to reshoot the next day.

卖家告诉她,淘宝可能有问题,并要求她第二天重新拍摄。

The problem remained the same the next day. After Alian tried back and forth for more than 40 minutes, the words "please import a digital certificate" were still displayed on the screen. In the previous month, Alian had just participated in a group purchase, and the transaction was closed 4 times, and it was only successful the fifth time.

第二天问题仍然存在。在Alian来回尝试40分钟以上之后,屏幕上仍显示“请输入数字证书”字样。在上个月,Alian刚刚参加了一次团购,该交易完成了4次,并且仅第五次成功。

This time her husband was on a business trip, A-Lian was tossing until ten o'clock in the evening. Tired and sleepy, Alian got angry, ran to Alipay customer service, and sent out all the complaints she had accumulated for a long time:

这次她的丈夫出差时,阿莲一直折腾到晚上十点。累了又困了,Arian生气了,跑到支付宝客户服务中心,并发出了她很长一段时间积累的所有投诉:

These words spread into Ali's intranet, until Ma Yun.

这些话传播到阿里的内部网,直到马云。

Alian's experience is not alone. When a buddy from Anhui was shopping on Taobao, he failed to pay seven times. In the end, he took a two-hour train ride from Ma'anshan to Nanjing to apply for an Alipay Long card before successfully completing the transaction.

阿莲的经历并不孤单。当一位来自安徽的好友在淘宝上购物时,他未能付款7次。最后,他花了两个小时从马鞍山乘火车去南京,申请了支付宝长卡,然后才成功完成交易。

At that time, Alipay had 270 million users and daily transaction volume exceeded 1.2 billion yuan, but the payment success rate was less than 60%. It's like a green train running fast, but it's crowded and run-down. People have to sit, but everyone who sits is scolding their mothers. Fortunately, Alipay heard the voices of "Alian" and began to tinker with a technology called quick payment.

当时支付宝拥有2.7亿用户,日交易额超过12亿元,但支付成功率不到60%。这就像一辆绿色的火车在飞速行驶,但是拥挤不堪。人们必须坐着,但是每个坐着的人都在责骂他们的母亲。幸运的是,支付宝听到了“ Alian”的声音,并开始尝试使用一种称为“快速付款”的技术。

After that annual meeting, Peng Lei became the new CEO.

在那次年会之后,彭磊成为新任首席执行官。

Peng Lei is one of Alibaba's eighteen arhats. Before coming to Alipay, she was the chief human resources officer of Alibaba and had never been in contact with the financial payment industry. But as a senior HR, Peng Lei has a lot of experience in forming a team.

彭蕾是阿里巴巴的十八个罗汉之一。在加入支付宝之前,她曾是阿里巴巴的首席人力资源官,从未与金融支付行业保持联系。但是作为高级人力资源专员,彭蕾在组建团队方面拥有丰富的经验。

The first thing Peng Lei did when he took office was to hold another meeting for the Alipay team.

彭蕾上任时做的第一件事是为支付宝团队举行另一次会议。

In order to boost the military spirit, after the Spring Festival, Peng Lei led the Alipay team to open a four-day meeting. She didn't talk too much about business issues, but took everyone to drink.

为了增强军事精神,春节后,彭磊带领支付宝团队举行了为期四天的会议。她没有过多谈论业务问题,而是带大家喝酒。

For the Alipay team, the biggest feeling after the annual meeting is grievance. At that time, Alibaba was listed and Taobao's business was booming, but Alipay was facing a crisis of being replaced at any time. This contrast makes almost everyone in Alipay feel emotional.

对于支付宝团队来说,年会之后最大的感觉就是委屈。当时,阿里巴巴已经上市,淘宝业务蒸蒸日上,但是支付宝正面临随时被替换的危机。这种对比使支付宝中的几乎每个人都感到情绪激动。

At the dinner party of the meeting, everyone put a bottle of red wine in front of them. Peng Lei took the lead, and the audience toasted one by one. The grievances in the heart were released under the influence of alcohol, and many old Alipay employees cried with headaches at the meeting.

在会议的晚宴上,每个人都在他们面前放了一瓶红酒。彭蕾带头,观众一一敬酒。在酒精的影响下,内心的不满情绪得以释放,许多支付宝老员工在会议上头疼地哭了。

Peng Lei said: "I would rather one hundred people a day, one hundred yuan a day, and not a customer, one hundred million a day."

彭磊说:“我宁愿一天一百人,一天一百元,而不是一个顾客,一天一亿元。”

After drinking, Peng Lei gave the team a deadly order: "Don't talk to me about the transaction volume, I just want to pay for the success rate and feel safe."

喝完酒后,彭磊向团队下达了致命的命令:“不要跟我谈论交易量,我只想为成功率付出代价并感到安全。”

Peng Lei does not understand financial payments, so she puts forward suggestions for improvement to Alipay from the perspective of consumers rather than practitioners in the payment industry. What she does most often is to collect user Tucao links from the Internet to the team so that they can give solutions within a limited time.

彭磊不了解财务支付,因此她从消费者而非支付行业的从业者的角度提出了改善支付宝的建议。她最常做的是从互联网上收集用户Tucao到团队的链接,以便他们可以在有限的时间内提供解决方案。

Consumers’ opinions forced Alipay to keep changing. After repeated attempts, the Alipay team found the way.

消费者的意见迫使支付宝不断变化。经过多次尝试,支付宝团队找到了解决之道。

They found that most banks have a "all-in-one card" service. Users only need to bind with online banking once to open the deduction payment process, "one contract, multiple use". After the user binds the online banking and Alipay again, they can initiate a deduction through Alipay.

他们发现大多数银行都提供“多合一卡”服务。用户只需绑定一次网上银行即可打开扣除付款流程,“一个合同,多次使用”。用户再次绑定在线银行和支付宝后,他们可以通过支付宝发起扣款。

As long as this link is established, when users pay via Alipay, they no longer need to jump to the bank's webpage and can directly use Alipay to deduct money. Peng Lei immediately decided to make a quick payment along this path. As long as the bank is opened, there is hope for quick payment.

只要建立了此链接,当用户通过支付宝付款时,他们不再需要跳转到银行的网页,就可以直接使用支付宝来扣款。彭磊立即决定沿着这条路快速付款。只要银行开门,就有希望快速付款。

But the problem is that this model has a lot of financial risks.

但是问题是这种模型有很多财务风险。

And what banks hate most is risk. Whenever Alipay and the bank talk about it, once it comes to the risk assessment process, the bank chooses to give up.

银行最讨厌的是风险。每当支付宝和银行谈论此事时,一旦涉及到风险评估流程,银行就会选择放弃。

After all, who wants to take risks for a young company?

毕竟,谁愿意为一个年轻的公司冒险?

At this time, they met Wang Tongtong.

这时,他们遇到了王同通。

To this day, Wang Tongtong's computer still retains a folder called "Quick Payment", which contains more than 30 documents including meeting minutes and agreements. The revision period of the document varies from 2010 to 2011.

时至今日,王彤彤的计算机仍保留着一个名为“ Quick Payment”的文件夹,其中包含30多个文档,包括会议记录和协议。该文件的修订期从2010年到2011年不等。

At the end of 2010, Bank of China was the first to cooperate with Alipay for quick payment. After that, the cooperation between Alipay and other banks quickly opened up.

2010年底,中国银行率先与支付宝合作进行快速支付。之后,支付宝与其他银行之间的合作迅速打开。

It was Wang Tongtong who helped Alipay get through the first level of fast payment.

是王同通帮助支付宝度过了第一阶段的快速支付。

In 1999, Wang Tongtong worked in the Qingchun branch of Bank of China. Alibaba opened an account here when it was first established. Employees' salaries are paid here, and the fate of Wang Tongtong and Ali began.

王同同于1999年在中国银行庆春分行工作。阿里巴巴成立时在这里开设了一个帐户。员工的工资在这里支付,王同通和阿里的命运开始了。

Alipay was established in 2004. A year later, Alipay's Hu Xiaoming (now CEO of Ant Group) approached her and wanted to open an agreement deposit account with Bank of China. At that time, Alipay was still a small company with a small name. The agreement deposit had a deposit threshold of 500,000. Many banks did not believe that this company was only established for a year, so they had to put out 500,000.

支付宝成立于2004年。一年后,支付宝的胡晓明(现为蚂蚁集团首席执行官)与她接触并想在中国银行开设协议存款帐户。当时,支付宝还只是一家小公司。协议存款的存款门槛为500,000。许多银行都不相信这家公司成立仅一年,所以他们不得不投入50万。

Only Wang Tongtong promised Hu Xiaoming: I will help you open the account, and you can transfer in another 500,000.

只有王同通答应了胡晓明:我会帮你开户,你可以再存入50万。

After Alipay was established, Ali began to be involved in the payment industry, and the number of cooperation between Wang Tongtong and Ali also rose sharply. In the early days of Alipay's establishment, there were many overseas acquiring businesses. Wang Tongtong, who was in the International Settlement Department, helped Alipay handle the overseas remittance business. It is often that Alipay provides demand, and Wang Tongtong coordinates the internal implementation of the bank.

支付宝成立后,阿里开始涉足支付行业,王同同与阿里的合作数量也急剧增加。支付宝成立初期,有许多海外收购业务。曾在国际结算部任职的王同通帮助支付宝处理了海外汇款业务。支付宝通常是提供需求的,而王同同负责协调银行的内部实施。

Some banks are afraid of trouble, but Wang Tongtong feels that banks are also a service industry and it is right for them to serve customers well.

一些银行害怕麻烦,但王同通认为银行也是服务业,它们为客户提供良好服务是正确的。

In 2010, Wang Tongtong was transferred from the branch to the provincial bank's online finance team. The establishment of this department itself is to better serve Internet companies, which just hit it off with Alipay, which wants to make quick payments.

2010年,王同彤从分行调任至省银行的在线财务团队。该部门的成立本身就是为了更好地为互联网公司服务,后者刚刚与希望快速付款的支付宝合作。

It took Alipay more than a year from finding the door with a quick payment solution to finally launching this service. Wang Tongtong’s deepest impression of this past collaboration is that he “had countless meetings”.

从找到具有快速付款解决方案的门到最终启动这项服务,支付宝用了一年多的时间。王同同对这次合作的最深印象是他“举行了无数次会议”。

The function of quick payment seems simple and small, which is to deeply bind the bank's "cartoon" business with Alipay, but the risks involved are not small.

快速付款的功能似乎简单而又小,它是将银行的“卡通”业务与支付宝紧密结合在一起,但是涉及的风险并不小。

In order to dispel the bank's concerns, such as details such as user information security, Alipay employees communicated with Wang Tongtong countless times. She still remembers that one time she went to the Beijing head office on a business trip, but the phone didn't stop on the way to and from the plane. She answered more than 50 calls a day, calling two mobile phones until they were dead.

为了消除银行对用户信息安全等细节的担忧,支付宝员工与王同彤进行了无数次沟通。她仍然记得曾经有一次去北京总部出差,但是电话并没有在飞机往返途中停下来。她每天接听超过50个电话,打了两部手机,直到它们死了。

Ali employees repeatedly stressed to them that Alipay should bear the risk of payment. In addition to technically enhancing security, Alipay will compensate all users if they are stolen.

阿里员工一再向他们强调,支付宝应承担支付风险。除了从技术上增强安全性外,支付宝还将赔偿所有被盗用户。

The perseverance of Alipay employees impressed Wang Tongtong and Bank of China. They finally decided to start a pilot program in Zhejiang to launch fast payment services.

支付宝员工的毅力给王彤彤和中国银行留下了深刻的印象。他们最终决定在浙江启动一项试点计划,以启动快速支付服务。

Two weeks after the fast payment launched by Bank of China and Alipay went online, the transaction volume was more than 500,000. One and a half months later, the transaction volume had exceeded 13 million.

中国银行和支付宝推出的快速支付在线两周后,交易量超过50万笔。一个半月后,交易量超过了1300万笔。

Half a year later, Alipay's quick payment service cooperated with the credit cards of 10 banks including Bank of China, Industrial and Commercial Bank of China, and China Construction Bank, raising the payment success rate to 95%.

半年后,支付宝的快速支付服务与中国银行,中国工商银行和中国建设银行等10家银行的信用卡合作,将支付成功率提高到95%。

One year later, UnionPay also launched the quick payment function.

一年后,银联还推出了快速付款功能。

It's because they all started to care about "Alian".

这是因为他们都开始关心“外星人”。

Fast payment banks can do it themselves, but at the time the banks felt that the importance and effectiveness of this matter were not so high.

快速付款银行可以自己做,但是当时银行认为这件事的重要性和有效性还不高。

Wang Tongtong said: "At that time, there were no complaints about online banking. Everyone felt that online banking was much more convenient than before, and banks would not want to promote a more convenient payment experience."

王同同说:“当时没有关于网上银行的投诉。每个人都觉得网上银行比以前方便得多,银行也不想推广更方便的支付体验。”

When smart phones became popular, quick payment was moved directly from PC to mobile, and mobile payments quickly spread across the country.

随着智能手机的普及,快速支付直接从PC转移到移动设备,并且移动支付在全国范围内迅速普及。

As a witness and promoter of this cooperation, Wang Tongtong feels that if it were not for Alipay and Bank of China to take this step, the popularization of mobile payment would not know when it will come.

作为这一合作的见证者和推动者,王彤彤认为,如果不是支付宝和中国银行采取这一步骤,移动支付的普及将不知道何时会到来。

"This is also something I am very proud of in my career." Wang Tongtong said.

“这也是我为自己的职业感到自豪的事情。”王同通说。

Alian, who vowed never to use Alipay again, has become a loyal fan of online shopping. Like a billion Chinese who use fast payment, receiving one or two express delivery a day has become a daily life for Alian. During the epidemic, Taobao even swept Alian's family of firewood, rice, oil and salt.

发誓不再使用支付宝的艾莉安(Alian)已成为在线购物的忠实拥护者。就像十亿使用快速付款的中国人一样,每天接收一两次快递已经成为阿联的日常生活。在流行期间,淘宝网甚至席卷了阿里安的柴火,大米,油和盐。

A few days ago, Alipay launched the "Looking for Alian" campaign.

几天前,支付宝发起了“寻找外星人”活动。

When Alipay found Alien, she knew that she was so famous within Alipay. Moreover, in the Alipay building on Tianmushan Road in Hangzhou, there is a conference room called "Listen to Alian's", which is used to collect user feedback.

当支付宝找到外星人时,她知道自己在支付宝中如此出名。此外,在杭州天目山路的支付宝大楼中,有一间名为“听阿联的”的会议室,用于收集用户反馈。

Now, A-Lian's daughter has grown from the baby in the album to a big girl. A-Lian has almost forgotten the trouble of payment that year.

现在,阿莲的女儿已经从专辑中的婴儿成长为大女孩。阿莲几乎忘了那一年的付款麻烦。

Those growth and changes happened so quietly and quickly.

这些增长和变化是如此安静而迅速地发生。

-END-

-结束-

Author | Fork Shao

作者|叉烧

 
 
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