Currently，Almost all 188bet online casino games installment platforms，They all started doing finance。

In November 2015, Tongcheng established Tongcheng Financial Services.

At the beginning of 2016, Qunar established a financial division.

In September 2017, Ctrip established Ctrip Finance.

Currently，Tongcheng、Where to go、Ctrip、Tuniu、Lvmama’s official website has opened a “finance” section。

Except OTA platform，Aviation giants also enter the market，Trying to get a piece of the pie。

Air China、China Southern Airlines、China Eastern Airlines，All have set up “wallets” in the APP。

China Eastern Airlines wallet page

After opening the wallet，Users can enjoy financial services，You can also use miles to redeem cash for shopping in supermarkets，Or pay for airport pick-up、Hotel fee。On the official website of China Eastern Airlines，Default 1.20,000 miles can be used to redeem 300 yuan。

China Southern Airlines’ wallet promotion is also very popular recently: within one week starting from July 1st，Just open the wallet，You have a chance to get 1200 mileage reward。

In addition to these two giants，There are also financial technology companies in 188bet online casino games field，For example, credit fly、Yimei、Jingzhong Technology。

Why do the 188bet online casino games industry turn their attention to finance?

On the one hand, 188bet online casino games may be related to the economic environment.

Analysys’s “Annual Comprehensive Analysis of China’s Online Travel Market 2019” report shows，2018，China’s 188bet online casino games market size and the growth rate of Internet users are both slowing down，“The online travel market has entered a period of medium-speed growth”。

2018，China’s total 188bet online casino games revenue growth rate is 10.5%，The lowest in 6 years。

And China 188bet online casino games Academy predicts，In 2019，This number will drop to 10%。

“The current growth of the OTA industry may have encountered certain bottlenecks，Financial products can help the industry grow in users and transaction volume。" said Zhou Peiqing, head of the financial business of Credit Flying 188bet online casino games。

Finance is the ultimate monetization model for traffic，188bet online casino games has long been an industry consensus。

In addition to bringing new profit growth points，Finance can also increase user stickiness，Feedback 188bet online casino games platform。

In the past，It is popular to have low group fees or even “zero group fees”，188bet online casino games is a low-quality tour with a low unit price。

With the improvement of people’s living standards，188bet online casino games product is gradually withdrawing from the stage of history，High-quality tour with high customer price，188bet online casino games is the general trend。

But as the unit price per customer increases, the user's consumption frequency will decrease.

At 188bet online casino games time，Financial products can just make up for 188bet online casino games reduced consumption frequency。

As users continue to sink、infiltration，The 188bet online casino games finance market becomes even bigger。

Monitored by Zhou Peiqing，Among the installment users of Credit Fei，The proportion of users in third-tier and below-tier cities is increasing，Older users over 45 years old are also beginning to appear，And gradually growing。

188bet online casino games means，Airline consumer installment services are gradually declining，Accepted by more and more users of all ages。

2018，Number of passengers traveling on China Civil Aviation flights，is 6.100 million visitors。

"Among them，60 million people flew for the first time。And now，There may still be 1 billion people in China who have never taken a plane，Think about it，How big should 188bet online casino games market be。"Zhou Peiqing said。

Consumer finance installments are generally divided into six main scenarios: housing、Car、Education、Wedding、188bet online casino games and Medical。

“‘Travel’ is so cute，It ties together the other five scenes very cleverly。" said Yang Haitao, 188bet online casino games finance director of Mafengwo 188bet online casino games Network。

For example，188bet online casino games + Education，That’s summer camp and study tour；Travel + Wedding，It’s wedding photography；Travel+Medical，That’s overseas medical travel；Travel + Room，It’s a house viewing group；Travel plus car，It’s a self-driving tour...

"Just the 188bet online casino games industry，It’s a trillion-level market。If other scenes are superimposed，The scale of this market will be much larger。"Yang Haitao said。

188bet online casino games finance that can connect all major consumption scenarios，Starting to explode completely...

How does "188bet online casino games + finance" work?

The most common financial products currently，It is 188bet online casino games installment and cash installment。

Almost these platforms have their own "credit line" products.

For example, "Get the flowers" from Qunar、Mother Donkey’s “Flowers”、"Credit payment" of Air China Wallet...

These products are similar to Alipay’s “Huabei”，Equivalent to giving the user a credit line，But it can only be used in its own scene。

For example，Qunar’s “Take Flowers” ​​credit of 5,000 yuan，Can be used to pay for air tickets、Hotel、188bet online casino games products, etc.，You can choose to repay in installments or within 30 days without interest in the later stage。

188bet online casino games is very similar to the logic of a credit card，It’s just that 188bet online casino games credit card can only be used on Qunar.com。

Some platforms also have their own cash installment products，You can borrow money directly。

For example, Ctrip’s “Borrowing Preferred”、The high-speed rail housekeeper’s “help in seconds”。

188bet online casino games is similar to Alipay’s “Borrowing”，You can directly lend cash，But use，It may not be used for traveling。

With credit line，can drive the 188bet online casino games installments on the platform，For example, the “down payment tour” that has been popular for a while。

For example，Air ticket worth 1,000 yuan，You only need to pay a down payment of 200 yuan to set off。

And the remaining 800 yuan，Can be repaid in installments，You can also choose 30 days interest-free，No installment。

“Pay the down payment and you’re ready to go，Let’s take a quick trip。”Advertising is displayed on every platform，Promote their down payment 188bet online casino games products。

Looking at it now, is the business model of 188bet online casino games installments established?

“The air ticket of 1,000 yuan is also in installments？How bad are these users?？”Many practitioners have questioned 188bet online casino games model。

“In fact, users are not inferior。"Yang Haitao said，One of the users of 188bet online casino games installment，Just business travelers。

Many business travelers pay for air tickets in advance，After completing the trip, take the invoice back to the company for reimbursement。

Many platforms offer 30 days interest-free，188bet online casino games group of people will use 188bet online casino games interest-free，Avoid advancing money yourself。

And another user，It is the young first- and second-tier city group。

User consumption behavior display based on Credit Fly，Post-90s account for more than 50%。among them，70% of people have credit cards，More than 80% of people active in first- and second-tier cities。

Visible，Post-90s in the first and second tiers，High acceptance of 188bet online casino games installment products。

“More domestic 188bet online casino games before，You can now 188bet online casino games abroad；Before, I was more short-term，You can now take the long term。"Yang Haitao said，This helps young people upgrade their consumption。

The repurchase rate of installment business is not low.

"Based on our experience，User repurchase rate can reach 60%，The price per customer can be increased by 10%-30%。"Zhou Peiqing said。

So，In the eyes of the platform，Finance is not only very marketable，It can also increase user stickiness，Increase unit price。

The biggest problem faced by 188bet online casino games installment is still risk control.

The black and gray industries and the wool party have been keeping a close eye on 188bet online casino games industry.

Snap up coupons for big military machines，Some for my own use，Endless，Just sell it through various channels。

On a certain treasure，Coupons are being sold on almost all platforms。

So everyone in the industry knows it，Flash sale coupons or special offers，Basically it’s all “seconds”，These offers，Not necessarily enjoyed by real consumers，Many were taken away by the gray products。

On the other hand，Cash out in the field of 188bet online casino games installments，Never stopped。

“I once ran a 188bet online casino games installment business for a period of time，Because the review of 188bet online casino games installment is easier than that of cash installment，So it’s better to provide the quota。”Intermediary He Feng said。

And the way he cashed out，Just looking for an amusement park，Use your credit to directly purchase amusement park tickets online，200 yuan per piece，Place 10 pictures at a time。

The 2,000 yuan earned，He Feng and the playground split 500 yuan，The remaining 1,500 yuan is given to the user。

The most exaggerated thing is，He Feng tells the user directly，“No need to pay it back”。

“Too many 188bet online casino games product merchants，Good and bad，Difficult to monitor。" said a person in charge who once helped with risk control for a 188bet online casino games platform，They have monitored many large-scale cash-out cases。

Many product stores of small 188bet online casino games businesses，Even directly write "arrival in seconds" and "reply in seconds"，"These are most likely merchants that specialize in cashing out"。

Except 188bet online casino games installment，The cash installment of 188bet online casino games platforms has also become the fat meat that I keep a close eye on。

Someone once posted a post introducing "Xinkouzi" saying: "High-speed rail loan，Those who have taken the high-speed rail can earn up to 50,000 yuan in one second。”

188bet online casino games product once caused a sensation in the brother circle.

And 188bet online casino games so-called high-speed rail loan，Refers to the high-speed rail housekeeper’s “instant borrowing”。

So，Risk control issues in the field of 188bet online casino games finance have always been crucial。

Of course，The travel platform itself has accumulated a lot of data，This will provide new solutions and methods for risk control in 188bet online casino games finance。

For example, many platforms will check airline blacklists.

“The aviation blacklist is very reliable，Because dishonest people are not allowed to fly。" said Yang Yanfeng, director of the Online 188bet online casino games Research Center of Beijing Union University。

In an interview with the media，Someone related to the flight steward once said，Users prefer to fly internationally or domestically，Prefer business class or economy class，It is also a reference dimension for risk control。

Then，Some users fly a lot of international flights，Some users fly a lot of domestic flights，Can it explain that the former has higher income？

“To combine e-commerce data and other consumption data，In order to make an accurate assessment。But our data suggests，The first type of users is indeed better。"Zhou Peiqing said。

In reality，The installment business of the 188bet online casino games industry still faces some challenges: product homogeneity is serious，Often need to share profits。

"In the final analysis，Banks and other large financial institutions，is the one who controls this type of profit model，‘188bet online casino games’ is just a scene they want to seize。Relatively speaking，188bet online casino games companies are only used as consumption front-end。" Yang Yanfeng said。

In the early days of excessive development and horse racing，There are also many hidden dangers。

For example，Tongcheng was exposed recently，A user borrowed money on the “Qianyou” platform of his APP，Borrowed 1,000 yuan，Actually received 801 yuan。