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 |