The attempt of IOU on social e-commerce is indeed not as expected. But making the product itself requires constant tossing. Although the installment mall is online Special Database again, the form and meaning have long been different . The previous installment mall almost completely copied the independent APP, but there was an additional display channel, and it was more of a strategic scenario supplement. Today's shopping malls have new adjustments in Special Database categories: one is to abandon supermarkets and department stores with lower unit prices, and increase high-priced consumption such as clothing and beauty.
The other is to access third-party life services, such as large-scale consumption. Machine refills, as well as frequent recharge services. In the future, more consumption Special Database scenarios may be expanded. Users can not only pay directly on WeChat like regular shopping, but also apply for installment payment. At the same time, we found that although the independent staging APP has not been offline, due to the long-term Special Database lack of maintenance, it has a sense of disrepair. Many product recommendations on the homepage have been sold out, and the categories have not been updated (as shown in the figure below).
Future staging The focus of the mall will be on the IOU. But the difficulty lies in: how to cultivate users' consumption habits/cognition in a credit-based product, perhaps a Special Database change in product positioning can partially solve this problem; in addition, according to incomplete statistics, the installment e-commerce in the IOU is significantly higher than the commodity price. There is no obvious advantage in the above, and most of the time it is higher, which is not attractive to users who are used to profit-seeking. At this time, the IOU for the Special Database integration of the core business of the group was completed, which not only included credit, wealth management.