PayPal "near money" This stems, maybe more than just a joke-PayPal, the app-IT information
Yesterday afternoon, and other authors discuss PayPal the new revision topics, I throw a view that "Alipay to make networking simple, plus a rich near modules can be" and turn it into a micro-blog. The result, this Tweet from wide dissemination, breaking the millions into 24-hour reading, many large are referenced with gusto and satin hands, more students got the concept design and not 6 to:
Admittedly, this recommendation in this day and age of entertainment to death is a very topical, but from the point of view of a senior dog, this sentence is really passed my PayPal location advantages and social thinking.
Alipay and the app will have a war, but war is not in the field of social acquaintances
Two days on the PayPal extension in the social field, there are many articles in trade discussions. Everyone basically recognized the necessity of PayPal to do social, but for specific instruments, there is not a clear understanding. In particular, is still limited to Alipay, interact with friends, or create a "consumer circle of friends".
We all know very well the present social app in acquaintances market position, or the app role of sedimentation of social relations. We form social relations through various channels, and eventually retained to the app, and the frequency of interaction ranging form close relationships. In other words, the app may not be familiar, but acquaintances have added the app.
Micro letter is first and foremost a social networking tool, as then everyone's cell phone number, to become a communications infrastructure. On this basis, mild social micro-a matter of carrying out daily functions through your circle of friends to share status and content through social group as well as constitutive relations. But due to the privacy and isolation to external flows, the app does not in itself is good at forming new relationships, only to form and maintain relationships with product support.
Some time ago I told the Caijing interview, talked about social acquaintances at the PayPal "chat on the ATM" is both bizarre and stiff. Internet scenes of battle, essentially for user's mind and use habits and occupation. Social acquaintances of the high frequency area, PayPal and even group coveted. Forgive me for using "covet" the word, because this scenario does not belong to PayPal, and social acquaintances is a scene without too much nutrition.
A year ago I was in a separate paper in the late micro-to make a point, that is, "social acquaintances than strangers social business value." And the process of reconstruction and establishing relations if completed online, then release demand is caught products more easily – at least you can Mo Mo or jiayuan, charge a membership fee. So, make money, both mutual and happily app, plus the added, you have to earn money.
Micro letter bearing the heaviest in the process of social communication, it is difficult to enjoy the business of pent-up demand the establishment of social value. Micro letter as Tencent's strategy-level product, its value is mainly for Tencent's other products module mass flow rate, obtained by bigger denominator into cash, that embarrassment, only Tencent know.
, For example, if the app really independent business with high value, like PayPal (Ant-gold suit), spun off a separate operation from the listed company. Zhang Xiaolong told media that want users to micro-letter "go out", were widely interpreted as modest or show off. I think what he said is the truth, after all, everyone brushes app every day without pay, resulting in family maintenance costs soaring, you can't this user.
So my first point is this: PayPal do social right, but no need to focus on social acquaintances, because social acquaintances is hard to cut, and relatively tasteless, not worth mentioning.
Social opportunities of PayPal, is consumer-strangers in social
Half a month before the hunt 9.9 on the exchange of products, head of PayPal's product, social networking for PayPal is "the most important supporting role", said PayPal would be by expanding scenes to life, consumption, and access third-party services, to provide even more value to the user. PayPal actually do socialize, right scene in the advantage of PayPal's own: life financial services generally are spending + earning money.
Strange social acquaintance with different social, is based on the natural property of brutal competition. Face value, or social status, is a stranger to socially important competitive attribute. If you keep reading, vocational skills and fun is also very important. In short, the "nice" and "useful". But there is a problem, that is more than property, display in an Internet platform, equivalent to standardizing non-standard products, it is more difficult. Face value can also be video, and that high social status, this thing is measured by money, but how to endorse it? Is not "rich", who's the boss?
We know that money does not move, just a bunch of numbers. A very rich but pay little for others makes no sense. So quantifying "money" index, is assessing the people's spending power. Now you tell me, in this affair, who has the most advantage?
View the so-called "near the rich", is in fact spending scenarios the user's behavior to assess the ability and willingness to spend its wealth, to quantify the benefits .
Ant-gold service platform currently exports many of the indicators, such as Sesame, credit, in fact, is already a social advantage. As to whether this foreign, might as well put the choice to the user, like the micro-letter "nearby people" as you want to see other people, will be visible to others. Referring specifically to the disclosure of information, showing members such as Platinum, diamonds is good, presentation or you can rub it into goods and services consumption, Sun.
The accumulation of such a social advantage, can in turn attract users in daily economic practices, increased use of paid Burroughs accumulated data. Some people worried about security, said like other strange social networking platforms has never been the same. I just want to say, you choose a rating a little higher on the PayPal people socializing only safer than elsewhere.
Good fighters, instead of having people to people. In the first drop of blood, Stallone plays veteran Rambo after being bullied by the police in a small town, hiding in the mountains, threw back the army and police attacks, he made a remark: into the Woods, I was King. In the initial d, ocean drive emissions only 1.6 per cent of the AE86, and GTR ran track instead of a winding mountain road, estimated to eat ashes are not able to eat. How do social this battle, was to see if PayPal will also choose war.
支付宝“附近的有钱人”这个梗，也许不止是段子 - 支付宝,
微信 - IT资讯
昨天下午，在和其他作者讨论支付宝新版改版话题时，我抛出一个观点，即“支付宝想做社交很简单，加个附近的有钱人模块就可以了”，并随手发到了微博上。结果，这条微博广泛传播，到现在24小时阅读数破百万，很多大号和段子手都在津津有味地引用，更有同学给配了概念设计图，也是6到不行：
不可否认，这个功能建议在当今这个娱乐至死的时代是很具话题性的，但从一个资深产品狗的角度，这句话确实是传递了我对支付宝定位以及社交优势的思考。
支付宝与微信必有一战，但战场一定不是在熟人社交领域
这两天关于支付宝在社交领域的延伸，也有很多业内人士的文章讨论。大家基本上认可了支付宝做社交的必要性，但对于具体的手段，还存在一些不清醒的认识。具体来说，就是仍然局限于使用支付宝与身边朋友展开互动，或者说打造一个“消费朋友圈”。
大家都很清楚当下微信在熟人社交市场的地位，或者说，微信扮演的角色是社交关系的沉淀池。我们通过各种渠道结成的社会关系，最终都会留存到微信，并通过互动的频率形成亲疏不等的社交关系。换言之，微信上未必是熟人，但熟人一定加了微信。
微信首先是一个社交工具，如同当年大家的手机号一样，成为通讯的基础设施。在这个基础之上，微信顺理成章承载了大家日常轻度社交的功能，通过朋友圈分享状态和内容，通过群社交以及重构关系。然而由于微信的私密性和对外部流量的隔离，微信本身并不以形成新的社交关系见长，仅仅为形成和维持关系提供产品支撑。
前段时间我接受《财经》记者采访时，谈到了在支付宝上进行熟人社交如同“在提款机上聊天”，既诡异又生硬。互联网产品的场景之争，本质上是对于用户心智和使用习惯的养成和占领。对于熟人社交这个高频领域，支付宝乃至阿里集团觊觎已久。原谅我使用“觊觎”这个词汇，因为这个场景本来也不属于支付宝，并且，熟人社交是一个没有太多营养的场景。
一年前我在另一篇《迟暮的微信》中提出一个观点，即“熟人社交不如陌生人社交有商业价值”。人和人重构与建立关系的过程如果在网上完成，则释放出的需求更容易被产品捕获——最起码你可以像陌陌或者世纪佳缘一样，收一个会员费。于是，产品赚了钱，双方高高兴兴地互加微信，加了就加了，你反正已经赚到钱了。
微信承载了社交过程中最为沉重的沟通功能，却难以享受社交建立过程释放的需求带来的商业价值。微信作为腾讯的战略级产品，其价值却主要是为腾讯的其他产品模块输送流量，通过做大分母的方式获得转化变现，这种尴尬，也只有腾讯自己清楚。
举个反例，如果微信真的具备极高的独立商业价值，早就像支付宝（蚂蚁金服）一样，从上市公司剥离出来单独运作了。张小龙曾对媒体表示，希望用户对于微信“用完就走”，被广泛解读为谦虚或者炫耀。我倒是觉得他说的是真心话，毕竟大家天天刷微信又不掏钱，造成人家运维费用直线上升，你们这届用户不行啊。
因此，我的第一个观点是：支付宝做社交是对的，但没必要死盯熟人社交，因为熟人社交已然很难切入，且比较鸡肋，不做也罢。
支付宝的社交化机会，在于以消费为场景的陌生人社交
半月前支付宝9.9的产品交流会上，支付宝的产品负责人表示，社交对于支付宝而言是“最重要的配角”，同时表示支付宝将通过拓展生活化、消费化的场景，以及积极接入第三方服务，来为用户提供更多价值。其实支付宝做社交，正确场景就在支付宝自身的优势之中：生活化金融服务，通俗地说就是花钱+挣钱。
陌生人社交与熟人社交不同，是基于人的自然属性的粗暴比拼。颜值或者社会地位，是陌生人社交中重要的竞争属性。如果继续往下看，职业技能和有趣也是很重要的。总之，就是“好看”和“有用”。但这里存在一个问题，即以上属性，在一个互联网平台展示，相当于要把非标品来标准化，是比较为难的。颜值还可以视频一下，那社会地位高、有用这种事，用金钱量化是可以的，但怎么背书呢？是不是“有钱人”，谁说了算？
我们清楚，钱放着不动，也只是一堆数字。一个人很有钱但花钱很少，对其他人也没什么意义。所以量化“有钱”的指标，莫过于评估这个人的消费能力。现在你们告诉我，在这件事上，谁最有优势呢？
所谓查看“附近的有钱人”，其实就是通过消费场景下用户的行为，来评估其财富能力和消费意愿，从而量化其社交优势。
蚂蚁金服平台目前对外输出的许多指标如芝麻信用，其实就已经是社交优势指数了。至于这种优势对外呈现与否，不妨把选择权交给用户，就像微信上“附近的人”一样，你想看别人，就会被别人看到。至于具体对外披露的信息，显示一下会员铂金、钻石之类等级就好，呈现方式也可以揉进对于商品和服务的消费、晒单。
这种社交优势的积累，可以反过来吸引用户在日常的经济行为中，更多地使用支付宝来积累数据。至于有人担心安全问题，说的好像其他陌生人社交平台没出过事一样。我只想说，你在支付宝上选择评级高一点的人来社交的话，只会比其他地方更安全吧。
善战者，致人而不致于人。《第一滴血》中，史泰龙扮演的退伍军人兰博在小镇上被警察欺负后，躲进山里打退了军队和警察的多次进攻，他说了一句话：进了森林，我就是王。《头文字D》中，拓海驾驶排量只有1.6的AE86，如果和GTR去跑赛道而不是盘山道，估计吃灰都吃不到。社交这场仗怎么打，还是要看支付宝会不会选择战场了。