Bank practice, red envelope cover, a good start on the Internet.
The submission of this article was first published in April, 2021 of Retail Bank.moon
During the Spring Festival in 2021, what do you think has the greatest impact on finance?If you are a real banker, you will tell me "I don’t know". Because getting off to a good start is the most important period for the bank’s business development in one year, and it is also the period when the personnel are the most green and yellow. Serious bankers are busy grabbing business at a good start. They don’t even have time to grab business. Bankers who can only wait in line to ensure normal operation have no energy to pay attention to the society. Even on New Year’s Eve, they are still thinking about which relatives to get a credit card and which relatives to recommend funds for tomorrow’s New Year’s Eve. In the Spring Festival of 2021, it was not the Spring Festival Gala, in which the program was getting worse every year, nor Tik Tok, who robbed the right of red envelopes in the Spring Festival Gala, nor Hi, Mom, who moved countless people to shout "Me too". I want to say that the cover of WeChat red envelopes should have the deepest impact on finance.
Wechat red envelope coverIt seems to be a very simple thing, that is, adding a brand, beautiful and personalized cover to the red envelopes that we often send to each other on WeChat. This cover can be a picture or a video, which adds some fun to the originally monotonous red envelopes. The process of getting the cover of the red envelope is full of activities, participation, collection and attention, which makes users enjoy it and creates good opportunities for more brand businesses to spread. A few banks, having discovered the brand building opportunities brought by the cover of red envelopes, made a small test of water during the Spring Festival, creating a particularly lively New Year with as little face-to-face contact as possible. The e-commerce, retail and internet industries have a greater impact. Xiaomi, Louis Vuitton, Akiba PPT, Volkswagen and other brands have taken this opportunity to reshape their brand image and get in touch with customers. When the process of applying for a red envelope cover with a personal number was simplified, a higher upsurge was set off.
We say that a good start is a favorable opportunity for banks to redistribute a large amount of liquidity during the Spring Festival, and when many people are celebrating the Spring Festival in the same place this year, the cover of red envelopes has become a new means of redistributing liquidity. Today, let’s talk about how a red envelope covers the bank’s opening to the Internet, the impact a red envelope covers on WeChat, society, customers and enterprises like banks, and how to make good use of WeChat red envelopes to expand the bank’s business and brand influence.
First, understand the cover of WeChat red envelope
In order to prevent some bank friends from really getting off to a good start, they didn’t touch the cover of the WeChat red envelope. We have a simple understanding of the cover of WeChat red envelopes. Focus on understanding a red envelope game, what kind of development strategy and ambition is hidden behind WeChat.
1. The craze for red envelope covers
In fact, the craze for the cover of red envelopes is particularly easy to spread, because everyone gives out red envelopes during the Chinese New Year, but suddenly someone gives out red envelopes with different covers, which will soon attract others’ attention. then what After everyone grabbed the red envelope, the focus of WeChat chat naturally turned to how to get these personalized covers. It is also very simple to use, mainly divided into three steps:
(1) production
Enterprises or individuals apply for and make red envelope covers according to their own brand image. Note: This cover is not a normalized style template, but can be customized. What is this? This is the advertisement that enterprises can do. Isn’t our bank the favorite to do touch?
(2) Distribution
Red envelope covers can be distributed through many channels, and individual users who like them can find brand channels to collect them. When you send out your own red envelopes, choose the right cover among the many obtained red envelopes and send them out with the red envelopes. That is, the distribution of red envelopes has been completed, and publicity has been completed for enterprises.
(3) Experience
As an ordinary individual customer, when you see someone else’s red envelope, you can see the cover with personality style on it. After clicking, you can see the picture or video of the cover of the red envelope in addition to the amount of the red envelope. Excellent cover design will be sought after by many users.
2. The business logic behind it
Why does a simple red envelope cover attract everyone’s attention? Behind this lies a simple combination of understanding of human nature and business logic.
(1) Customer gradient
Many banks use financial assets to measure customer gradient, and many enterprises use consumption quotas to identify customer grades. Have you ever thought that this customer gradient is the level of customers you like, and through the cover of the red envelope, you can know what kind of customers like you, and you can distinguish the level that likes you. The simplest thing is that customers who like the cover when they see the red envelope are junior; Customers who are willing to search for the cover of red envelopes are intermediate; It is senior customers who are willing to participate in various activities of the brand and strive to get the cover of the red envelope. If you don’t like the brand, customers don’t have the initiative to get red envelopes, which can enhance the appeal of the brand and test the appeal of the brand.
(2) brand ownership
The role of brand building is to build a consensus, which can make customers automatically belong. On the cover of the WeChat red envelope, this automatic attribution will easily appear. For example, you sent a red envelope with the cover of "the glory of the king" in the group of "loving family", and then your three cousins and four cousins sent you "I didn’t expect you to be such a cousin, chatting privately." Reply, you quickly build a group of "brothers in battle, fathers take you to fly" and drag them into the group. You see, a red envelope covers all the the glory of the king children in the relatives.
(3) Achievements
The reason why red envelope covers are sought after is that they are rare. According to the rules of play, the red envelope covers issued by enterprises are charged, so the quantity must be limited. Maybe we can develop a function of "collecting envelopes" to collect red envelope covers in the future. A limited number of things will lead to rare looting and personalized people without me. In many fields, this limited edition thing is synonymous with achievements such as "senior", "professional" and "peak".
(4) Social fission
Understand the gameplay and understand the algorithm. The red envelope cover provides enterprises with a low-cost fission means of WeChat platform to realize the rapid expansion and transmission of brands. What do you have in mind? Yes, involution, if you don’t deliver, others will seize your market. So what is the fission effect from the perspective of cost? Let’s look at the following formula.
Fission algorithm: number of covers issued × number of people receiving red envelopes each time/cover production cost = fission efficiency.
Briefly explain:
Number of Covers Issued: it is the total number of red envelope covers issued by individual users after receiving them.
Number of people receiving red envelopes each time: it is the total number of people receiving red envelopes after a red envelope with a cover is sent out.
The multiplication of the above two is the total number of people affected by the cover of the red envelope.
The cover production cost includes: the total of design fee, production fee (star invitation, film shooting, post-processing, etc.) and red envelope cover application fee.
Fission efficiency: that is, the number of customers affected by each dollar spent on the cover of red envelopes.
3, the role of the bank
What benefits can our bank get from the cover of the red envelope? Can it break the fate of the bank "holding money without getting customers"? Don’t tell me yet, there may be.
(1) Expanding channels
The bank’s self-built online channels include Palm Bank, various apps, various WeChat official account, various applets and various video numbers. In most cases, these access channels need to have a front, that is, you have to have them before you can receive their publicity. The cover of WeChat red envelope is different. As long as a few customers have it, it can be quickly dispersed and spread, and it can attract these customers to the online channels of banks. Although he may not be a customer of your bank, he is already a channel user of your bank.
(2) Brand promotion
Most banks’ brands are not fresh, and they lack interaction and communication with customers. One-way publicity has become the biggest dilemma for bank brand expansion. In the red envelope cover, there can be not only pictures, but also videos. More importantly, in the process of obtaining the red envelope cover, more activities and interactions can be implanted, so that people can express their opinions after knowing and understanding the brand. This is the way to find "play".
(3) Customer activation
The entire banking industry has the largest customer base in China. It is reported that the total number of individual customers of major banks in China exceeds 4 billion, and the per capita population in China exceeds 2 bank accounts. Since 2015, the financial circle has been killing pigs in an endless stream, and the common people (603883, shares it) have reached the point of talking about financial discoloration after several years of "thinking on the top floor balcony". Factors such as reduced contact between banks and customers, weak demand for financial services, and decreased customer arrival rate at bank outlets have brought about an increase in the proportion of bank customers sleeping and a faster sleeping speed. The cover of the red envelope solves the dilemma of the bank for many years: how to realize the rapid serial number interaction without customers reaching the outlets? Even the cover of a red envelope can quickly activate a large number of sleeping customers with only a few customers at the beginning in the communication process. You can never wake up a customer who is pretending to sleep, but a red envelope can.
(4) Get customers
After empowering customers with communication functions, banks quickly realized the blurring of cultural boundaries. Cross-border communication of customers will bring customers with customers. In many activities of banks, we can combine the cover of red envelopes with offline New Year activities to turn channel "users" into "customers". If online account opening is not restricted by regulations, pure online customer acquisition can be realized.
Second, contact the cover of WeChat red envelope
Well, action is better than action. Whether you are an account manager struggling at the grassroots level or a product manager looking for a way of customer flow at the top, let’s take a look at how the cover of the red envelope is played.
1. Enterprise application
Banks can apply for a red envelope cover as an enterprise, and bank account managers can apply for a red envelope cover as an individual. The process is not complicated, but because the ingenuity is very different, the final effect will be different. At the very least, a good-looking cover will be robbed by more people.
Bank application, through the red envelope cover open platform (cover.weixin.qq.com). The process is very simple. When we introduce the process, we will also introduce some design points of the process:
(1) Qualification: Enterprises, governments, media and other organizations, and banks are one of them. Before registration, we have completed the enterprise certification of WeChat WeChat official account, or the certification of enterprise video number (open certification after 1000 powder).
(2) Cover customization: upload the prepared pictures, texts and video materials as required. Mainly includes:
Cover Style: The cover style mainly determines the styles of red envelopes in four states: one is the message bubble of red envelopes, which is the style of a line of message bubbles displayed when red envelopes are distributed in the chat window; The second is to open the red envelope page, which is the style of the red envelope with the word "grab" when the message bubble is clicked to grab the red envelope; The third is the details of the red envelope, which is the style of how much money everyone grabs after clicking the word "grab"; The fourth is the cover story page. After the details page is pulled down, the brand style on it will become bigger and enter the cover story page. These style pages naturally need to upload pictures, bank logo and other materials. The main points are good-looking design, brand characteristics and the needs that customers may pursue (such as stars, etc.).
Cover story: the cover story is the signal focus of the red envelope cover transmission. Just like after eating a box of chewing gum, I found a water margin 108 collection card hidden in the chewing gum box. You can use pictures and videos here, yes, you can have videos for up to 15 seconds, and you can also mix video pictures, allowing a total of five materials. When users watch, they can slide horizontally to turn pages.
Additional links: You can also attach links at the bottom of the cover story. This link can be WeChat official account, video number, applet and so on. When you receive a red envelope, read the story, and are interested in the bank, the cover and any product, you can see the link by pulling down and click to enter various channels of the bank for in-depth understanding. Think clearly about all aspects of drainage for you.
(3) Submit for review: When all customized contents are confirmed, they will be submitted to Tencent for review, and the review time is generally 1-3 days.
(4) Order payment: Just like finding a printing factory to print red envelopes for you, you set the style, then determine the quantity, and you can get the red envelope cover you want after payment. Try 10 pieces for free, and 1 yuan/piece after more than 10 pieces. Now do you know where the "cover production cost" is in the previous formula?
(5) Cover distribution: After placing the order, you can get the distribution method of the red envelope cover, generally there are three ways: QR code, serial number and receiving link. These three distribution methods, combined with diversified online channels and strange operational gameplay, can form countless fission methods. Are you still worried that you won’t get customers online? One way a week, half a year’s activities are not repeated.
2. Individual application
If you are an account manager and already have certain customer resources, then applying for a red envelope cover by yourself can enhance your stickiness to customers. Many account managers already have a good private traffic community, creating a personal design that customers like and recognize, so the red envelope cover will help you strengthen your personal brand. On the individual application, the procedure is simpler, which is slightly different from the enterprise application. Here, we only say the different parts:
(1) Apply for qualification: individual users with video numbers who have completed personal authentication. Note that it is not WeChat official account, but video numbers. Publish at least one video and get 10 likes. This is too easy.
(2) Different from enterprise application:
No need to review, just apply.
Only two models can be customized, and only 10 models can be issued each. You can only make an experience version.
Free, no money. You can’t give money if you want, because you won’t increase the quantity.
You can only get it through small programs.
For a personal brand of a bank, 20 red envelope covers are probably enough, but if it is a online celebrity, bilibili UP owner, anchor with goods, etc., it is probably not enough.
3, a few tips
(1) Catch early: Just like WeChat sending red envelopes, many people didn’t respond in the first year, and in the second year it became a customer habit for everyone. The threshold of red envelope cover is very low, which will become the normal state of brand building in the future, so catch early and enjoy early, and catch late without discount.
(2) Beautiful, cool and interesting: the cover of the red envelope should look good, and someone will grab it if it looks good; Personality is needed, and personality will be refreshing in this highly homogenized market; What if there is nothing? There are videos, which can be interesting, and cut into the interests of different customers.
(3) User’s standpoint: Remember the previous fission algorithm? If banks only care about their own brand promotion, they can increase the number of red envelope covers, and people will rob you if they like you. But don’t forget to consider from the user’s point of view, whether the person who grabs the red envelope will like it when he gives it, which is related to the bank’s remembering that the user uses your cover to help you promote it, and you have to be responsible for the user’s taste, otherwise he won’t send it out when he gets it. After all, he can get a variety of red envelope covers in the future.
(4) Less complete sets: Why do customers grab red envelopes? Because the amount of red envelopes is small, the number of people who get points is also small, and if you grab it slowly, it will be gone. Then why did you grab the cover of the red envelope? We’re going to make the red envelope cover less, and it’s also a complete set. You need one that can kill Virgo. If you cooperate with the activities of a super loyal customer, for example, if you collect 108, you will get a set of two "thin gold lettering" and "Ruihe map" of Song Huizong calligraphy and painting commemorative credit card on the cover of the red envelope. This will definitely become an explosion in the circle.
Third, the drainage of the red envelope cover
The cover of the red envelope is ready, so we can rush towards the customers like the stars and the sea. How to drain the red envelope has become the most interesting part. Combined with the offline ability of the bank, it will definitely make the year’s activities colorful.
1. Basic logic of drainage
When you start to talk about methods, you can speak quickly, listen well and forget everything. Therefore, you should talk about logic first, so that your friends in banks can have the ability to create their own drainage methods. Otherwise, the case will always eat what others spit out. So what is the basic logic of the drainage on the cover of WeChat red envelope? It is the following formula.
Scene+channel+function+play = drainage method
We have talked about two formulas today. What does this formula mean? It is where, what function, and how to play with customers that they will take the bait. Let’s take a look at what these four elements have in the cover of the red envelope.
(1) Scenes
The application of the red envelope cover includes two scenarios, one is when the user receives the red envelope cover, and the other is when the user uses the red envelope cover to send a red envelope. Therefore, the fission process we designed needs to consider the psychology and behavior of users at these two time points.
(2) Channels
There are many channels that can realize the fission of red envelope cover. From the logic that everything is a channel, almost everything that can be seen can be turned into a channel. Then for banks, it is mainly divided into online channels and offline channels.
Because the red envelope is online, there are many online channels, including: WeChat official account, video number, APPlet, circle of friends, WeChat group, live broadcast, own app and so on. Offline channels are mainly divided into traditional offline channels of banks, outlets, self-service equipment, employees, etc. And the channels of partners, that is, his outlets, self-service equipment, employees, etc.
(3) Function
The fission function is mainly reflected in the distribution of red envelope covers, which can be divided into two types: bank initiative and customer initiative. The functions of customers actively looking for the cover of red envelopes are mainly reflected in: QR code, serial number, receiving link, searching and so on. The main functions of the bank’s initiative to issue red envelope covers can be used: turning cards in the circle of friends, grouping red envelope eggs, blessing bags for auspicious words and so on.
(4) Play
The gameplay is mainly a method of interacting with customers, or it is designed to be evil. It can be said that the whole customer is a method. After all, things given away for nothing are too easy to get and won’t be cherished. These methods can be solved by technical means, regardless of online or offline, including: lottery, praise collection, attention, registration, sign-in, games, questions and answers, updating, binding ID cards and so on. How to do these details will not be introduced one by one, but will be mentioned in the following examples.
3. Drainage method
The logic is clear, and the tools are available, so that the past is available, and it is much easier to talk about methods, and to tell examples also knows what logic is in line with and what tools are used. We will not be limited to these cases, but also design our own methods according to various circumstances and opportunities. Let’s give some examples below.
(1) The applet registers for the lottery to get the cover.
Formula substitution: get cover+applet+QR code (or serial number)+registration (lottery, pull new)
Effect target: Drainage, innovation, collecting customer data, creating scarcity and improving taste.
adaptability: cover content suitable for high-end customers and high-end cultural themes.
method of workA bank and a national museum made cultural integration and produced a set of 9 Zhang Guobao series red envelope covers. Then the way to collect the cover of the red envelope can be to enter the small program of the bank or the National Museum, complete the account registration, and fill in the complete personal information, so as to obtain the qualification for a lucky draw and complete the lucky draw reservation. Every time you invite 3 friends to register, you can get an extra lucky draw. On the lucky draw day, WeChat official account issues serial numbers or QR codes to the winning customers to extract the red envelope cover.
(2) WeChat official account Drainage Plus Product Matrix won customers.
Formula substitution: Get the cover+WeChat official account+QR code (or serial number)+Laxin (follow WeChat official account)
Effect target: drainage, innovation, expansion of coverage, publicity of bad reviews
adaptability: banks suitable for broad-spectrum product promotion and popular positioning.
method of workA bank made nine high-quality products into a red envelope cover matrix, and pushed the red envelope cover poster through WeChat official account. Customers shared the red envelope cover poster with their friends, and three friends paid attention to WeChat official account, so they could get the red envelope cover. How nice it was, there was no need for a lottery, but only one of the nine models could be obtained. After that, you will be further prompted that you can continue to increase the attention of your friends and get other red envelope covers. There has always been a new one, 9×3=27, and the fission is 27 times.
(3) Video number to WeChat group
Formula substitution: Get cover+video number+red envelope egg or lucky bag (QR code or serial number)+WeChat group.
Effect target: Strengthen the division of channels and traffic, and turn public domain into private domain.
adaptabilityIt is suitable for individual account managers to share private domain traffic from the bank traffic pool and subsidize loyal customers.
method of workPrompt the customer by watching the video number, the bank sends out a red envelope cover, asking to pay attention to the video number, and privately sends the video number. The video number assistant will invite the user to enter the exclusive welfare group, and the account manager will obtain the QR code or serial number received by the red envelope cover through the welfare group to distribute red envelope eggs and lucky bags. This group can be a customer maintenance group established by the account manager at the beginning. After the video number is issued with a red envelope cover, in this way, more customers can be obtained from the bank’s large flow pool. Of course, it would be even more beautiful if the account manager’s personal video number can still get customers.
(4) star drainage plus product experience
Formula substitution: Get cover+video number (WeChat official account)+QR code (serial number) +APP task.
Effect target: channel migration, functional experience and user habit formation
adaptability: the expansion of functional apps such as pocket banking.
method of work: Launch a red envelope cover with celebrity endorsements, and then set up a continuous task interface in the APP that needs to be promoted (such as handheld banking). Then remind customers in the WeChat official account or video number that the way to get the cover of the red envelope is to download the APP and complete the daily task in the APP. Of course, this task is to familiarize customers with the use and develop basic user habits. Naturally, the simpler the better. Then, one week after the daily task is completed, the APP will automatically issue the serial number of the red envelope cover.
(5) The combination of online activities and offline activities
Formula substitution: issuing red envelopes+offline outlets (partners punch in)+QR code (serial number) +APP task.
Effect target: Strengthen customer life connection and realize traffic conversion with partners.
adaptability: form brand gathering and customer sharing when co-building offline brands with partners.
method of workA bank cooperates with a local coffee brand, and the bank and coffee brand distribute red envelopes in their respective customer groups, with the red envelope cover jointly built by the brand. A video link is left under the brand story of the red envelope cover to remind customers how to get the red envelope cover. Customers need to go to any outlet of the bank to punch in with the Palm Bank APP, and then go to any store of the cooperative coffee to punch in with the coffee APP. You can get a red envelope cover after two tasks are completed. If banks and partners add other offers or on-site activities at this time, it will make the site very active. You can also issue the red envelope cover at a fixed time. For example, when you hold a bank customer meeting in a coffee shop, you can complete the record with the APP task and get the red envelope cover from the account manager.
(6) Diversified combinations
Seeing the above cases, we can see that the red envelope cover can cover almost all our online and offline scenes, and the strong drainage ability will become a powerful means for us to enrich our activities. According to the structure of the formula, we can construct a variety of online and offline WeChat red envelope games that are popular with customers according to our own conditions. I also hope that fruitful friends can itemize your achievements through magazine readers or visit my WeChat official account.
4. Normalized red envelope cover
A friend said that we have missed the Spring Festival and made a good start. Is it still meaningful to cover this red envelope? Of course, because this will become an important publicity trend of every enterprise, brand and organization in the future, and this trend will bring the following effects.
(1) Festival normalization
The Spring Festival has passed, but it is only halfway through the first half of the year, and only a quarter of the whole year. There are still a lot of domestic and foreign festivals waiting for customers to give out red envelopes. Moreover, in various festivals in the future, the orientation will be stronger, the characteristics of customer gathering will be more obvious, and the publicity of red envelope covers can still play a huge role.
(2) Matrix cover
The festival is normalized, how to make the cover of the red envelope? According to the release plan of the red envelope cover, it is also integrated into the annual activities, which is the matrix with time clues as the core. Of course, we mentioned another kind of matrix earlier. Do you remember? Yes, it is the characteristic matrix, which can be a multi-product matrix: for example, a bank has nine theme outlets in different locations of the city, and customers can collect red envelope covers at different outlets as punch cards; For example, a bank is engaged in promoting cultural exchanges between China and Japan, taking the gold sacred clothes in the Saint as the cover of red envelopes and issuing one every month; The simplest, for example, a bank has 10 employees, and their photos are made into red envelope covers. Excellent employees are selected every month, and customers vote for employees. The employees elected that month can distribute red envelope covers to their voting customers. You see, in addition to distribution, there is also a collection effect. Scarcity makes the cover of red envelopes more valuable. It also makes the bank’s activities sustainable for a long time, and there are plans, which can be warmed up, fed back and resumed, and the better.
(3) Brand multi-contact
The essence of the cover of the red envelope is the secondary distribution of the national traffic of WeChat, and the secondary distribution is the distribution of the backflow valve through the contacts. For banks, this kind of contact can be combined with a variety of traffic, as mentioned in our previous examples, such as stars, games, live broadcasts, online celebrity, tourist spots and so on. It is also very good if banks can have their own flow contacts, such as Kun Kun (Zhang Kun) and Lan Lan (Glen) before the stock market crash.
Fourth, the trend of red envelope cover
In the near future, the cover of red envelopes will gradually change users’ habits, which will become an important brand promotion means and have a far-reaching impact on the business system with traffic as the core. This influence includes three parts:
1. Impact on WeChat
What wechat develops, naturally wechat benefits first. The cover of WeChat red envelope is a rare "unrestrained" product since WeChat became a national-level software, and even it is eager for quick success and instant benefit, and it has exposed a strong enterprising spirit in time, which can be described as killing four birds with one stone.
(1) Enterprise WeChat/WeChat official account
Many friends may not know that the red envelope cover function was launched on enterprise WeChat as early as January 2019, and the "emoticon red envelope" launched at the same time settled on WeChat, while the red envelope cover has been spinning around enterprise WeChat, with the goal of activating the customers of enterprise WeChat. It is used to mark competing products such as nails. When the scene positioning of office software such as Nail is different from that of WeChat, Nail is positioned as the anti-humanity software of employee management, while WeChat is positioned as the humanized software of customer experience. By putting the red envelope cover into the civil WeChat market, WeChat will counter the corporate WeChat and consolidate the corporate WeChat official account through a larger user group.
(2) WeChat video number
Since 2019, the more important competition is in the field of short video. Although WeChat launched a video number to compete with Tik Tok. However, the WeChat video number based on acquaintances’ socialization pays more attention to conveying professional and brand capabilities, while Tik Tok is more civilian and entertaining. There are great differences in the magnitude of users and the speed of communication, and more importantly, there are many fewer UP owners who create content. In the Spring Festival of 2021, through the cover of WeChat red envelope, a large number of personal video UP owners were activated, and efforts were made to make better progress in the field of video numbers.
(3) WeChat red envelope
Then it is to give a shot of stabilizer to the mobile payment market. There is no more stable market in the payment field than the WeChat red envelope, and the cover of the red envelope strengthens the original demand of customers and makes the experience of this original demand better. In the eyes of C-end customers, experience is still king.
(4) Traffic distribution
Friends who have read my previous book "Running an Online Mall, Getting Customers Online Like Pinduoduo" must know that Pinduoduo is engaged in e-commerce on the surface, and behind it is a "game-oriented traffic distribution" business. Today’s WeChat red envelope cover is the distributed realization of more than one billion users of WeChat. Compared with other distribution methods, this is already the best distribution method to experience. Therefore, all enterprises and banks grab traffic at different costs from this large traffic pool. The cover of a red envelope with a dollar is just a huge gain of low value, large quantity and long tail.
2. Impact on customers
For customers, the cover of red envelopes has gradually changed some behavioral needs and usage habits. This is not only beneficial to Tencent, but also very beneficial to the improvement of customer experience.
(1) Increment of red envelope play
The cover of the red envelope is an increment of the red envelope playing method, and it is a way to enhance the experience through more detailed sensory expression. After all, it used to be just sharing money, and the cover of the red envelope also shared beauty, happiness and hobbies.
(2) Scarce brand sense
The scarcity of red envelope covers has caused a good brand effect. Just like some people love to buy bags, some people love to buy "donkey brand" bags, and some people love to buy limited edition "donkey brand" bags, why is the price getting higher and higher with this progressive? Because it’s getting scarce.
(3) New social aggregation
What is brought under the brand is the automatic attribution of customers, which also helps customers form a new social gathering. Through red envelopes, The Infiltrator with common interests can be blown up in different groups, and acquaintances can socialize and enter a new track. I think this meaning is doubly important to Tencent and its customers.
3. Impact on banks
For our bank, it is very important. Apart from advertising and getting customers online, the most important things are two points:
(1) Online play
It has expanded the online gameplay of the banking industry and brought the online activity operation ability of the banking industry to the same level as that of Internet companies. Note that Tencent has given you a bottom line, and the peak is created by the wisdom of bankers, which cannot be saved at all.
(2) Return data
In the banking system, very little feedback is collected from customers, while the cover of red envelopes provides banks with more customer behavior data from another dimension. In this way, banks can learn more about what customers like me, what they like and why they like me.
Fifth, the final beginning
The cover of the red envelope is not everything. The traditional idea of "customers introduce doors and experience depends on the grassroots" is no longer suitable for the well-informed Internet environment. If we can get some dividends and gains from the operation of the red envelope cover, we still have to seriously consider the following issues:
1. Traffic entering the door is just the beginning.
It has been stated many times in Internet thinking that "customer purchase is not the end, but the beginning of service". As an "account" trading enterprise, banks should have a deeper understanding of this point. What is the purpose of getting customers? Is it all right to get a guest? Did you become a sleep client after you got the guest? Traffic entering the door is only the beginning of service. Compared with the return rate of 1‰ of customers lost through online channels on the Internet, banks can’t afford to lose in this competitive situation.
2, the head brand can accelerate the amplification.
The dividend period on the cover of red envelopes may wake up quickly, which is a typical dividend formula for fast fish eating slow fish. Once the head brands of all walks of life rise, then small-scale followers will be left behind, and they will enter the arduous blue ocean nude swimming stage. Therefore, from the bank’s point of view, whether small banks operate in a traditional way or find a unique blue ocean, they must quickly eat dividends, expand their scale and become head brands.
3. Getting customers becomes getting passengers.
Turn short-term, phased and customer-oriented customer acquisition into long-term, continuous and customer-oriented customer acquisition. The cover of the red envelope helps you to distinguish the types of customers, so banks should consider the preferences and service methods of these customers. And package this into a fixed package, which is called service productization, and finally become the brand radiation, and become the foundation for continuous customer acquisition.
4. Diversified operation and gameplay.
The more you go to the Internet, the more young people live in the world. The traditional "play" of banks is replaced by the "play" of red envelopes on the Internet. Clients want to play with you, not get hit by you. In the past, banks only hit customers, but now they give you ways to play with customers.
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