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Table 1 The four high grounds of internet finance

From: Blockchain application and outlook in the banking industry

Infrastructure Payment system (medium): Alipay, WeChat Pay, Tenpay Credit system: Sesame Credit Underlying asset matching platform: Renrendai
Platform Service integration: Encompasses payment, financial management, fee payment, and other services Navigation: Helping customers to find the required applications Personalization: Providing services based on the personal characteristics of the customers Social interaction: WeChat, Alipay Living
Channel Multi-channel integration: Banking Transformation Toolkit (BTT) by IBM
Scenario Application scenario and product: WeChat Red Envelope, Alipay School Life
  1. Source: Compiled using public information