Reflection: Is 小程序 really suitable for financial products?

Author: chubby big city, like reading and writing of a financial Internet product manager

The first batch of fund companies that went online 小程序 included Huaxia Fund, Southern Fund Microfinance, Guangfa Jizhi Finance, Yinhua Win in Fixed Investment, Harvest Real Estate Heroes, and Jianxin Fund+. However, after the supervision is stopped, the relevant 小程序 either directly suspends the service or only displays the product or links the virtual financial management.

Not only the fund, the regulatory layer on the brokerage 小程序 all about the "opening account", "transaction" function all stopped. GF Securities, Galaxy Securities, Changjiang Securities, Guohai Securities, Dongxing Securities, etc. these brokers are the main "staring assistant" or "self-selected stocks", basically to show the market.

From the perspective of supervision, there is still a problem that needs to be explored. Is the wealth management app really suitable for 小程序?

When doing the wealth management app小程序, there are some points that you should pay special attention to:

1. The idea of running out of the way runs counter to the attributes of wealth management products

The wealth management product app is indeed a low-frequency attribute, but it is not that he is a low-frequency app小程序, it must be suitable for him. You invested in a product, you should go to see it every other time, my fund has gone up, my money in a P2P account Is it still there, what is the value of my recent assets? Therefore, the concept of using money-related products rather than tools, the concept of running out is obviously not suitable.

2. Lack of active push system

xx 微信小程序追求极致的用户体验，对主动推送的行为做了最大程度的限制。不过你再想想，你的账户资金存在任何变动，难道不应该主动推送提醒么？你充值成功，提现到账，购买产品等等行为，推送是一个免不了的手段，在这一块，其实服务号更加合适。

3，用户体验方面差强人意

用过线上的基金小程序的人都知道，在纯H5跳转时候，出现卡顿现象，到了绑卡充值购买的时候，体验优化的空间更大，总体来说，没有原生的体验好，此处急需技术方案迭代。

如图4所示，数据泄露问题以及安全问题

这也是监管关注的层面，用户在数据通信的时候，是否进行加密处理，毕竟交易类数据，绑卡数据，四要素验证信息被人盗取之后，基本这张卡钱完全可以神不知鬼不觉的被卷走。同时，监管其实更加关注的是，数据隐私被腾讯获取的问题，小程序的通信都要经过腾讯的接口，则你的开户信息，交易类信息都要经过腾讯的接口，而这些，监管层面是不愿意让腾讯获得的，尤其基金，证券类的数据。

5，依附于腾讯生态局限性很大

理财类，金软件定制

XX In fact, the product of the product is very risky. If it is attached to a platform like Tencent, it will increase the risk of the platform. In particular, it will have a joint effect with the policy. It will not hesitate to say it, let alone Tencent’s re-enactment. A new set of rules of the game, such as the cusp of P2P companies, Baidu does not give you 网站 certification, Tencent will not give you a knife at a certain time? unknown. At the same time, financial and financial products are stationed at 小程序. There are still not low thresholds. In particular, some P2P companies also need related materials. As shown in the figure, this is a screenshot of the qualification materials that P2P companies need to upload for 小程序.

But why are so many financial companies consuming R&D resources to develop 小程序? Here I still want to throw my opinion, leaving the scene to talk about 小程序 are rogue.

Ma Huateng's description of the future Internet is "connection", 微信 and 小程序, which are obviously related to this purpose. There are already mature products and services in connecting people, people and services, people and business, but the connection between people and goods is still slow. How are the items that are not electronically connected? The most affordable and convenient entry is the QR code, and 小程序 is the connection. So 小程序's related words should be "scene" and "service" instead of "flow" and "dividend", which makes many companies feel uncomfortable. There are very few companies that really understand the scenes and services, and such companies, they naturally will find more benefits at 小程序.

xx 大多数金融公司做出小程序的起点是基于流量思维。当应用程序刚刚启动时，一波进入市场的人赚了很多钱。当微信公众号上升时，一波内容是免费的，所以在许多人的深刻意识中，所有可能的商机都是营销机会。您输入的越早，营销成本就越低。我已经有一个成熟的APP系统，网站系统，然后做小程序，做流量导入，然后去寻找一波奖金。事实上，我觉得缺乏对目标的关注，对金融的深刻思考和对产品的限制显然是那些不是因特网出生者的普遍共性。

小程序不是新生态，它是新产品或新技术手段。如果出现任何产品，如果不能解决提高效率和降低成本的要求，它很快就会消亡。这是近年来的事。互联网不变的真相。没有场景就没有小程序。因此，小程序实际上是一种在合理的情况下合理满足用户合理需求的手段，从效率提升，降低成本和客户满意度开始，而不是营销和客户获取。

因此，如果您仍然携带交通管理类小程序，您可以停止，不要被杀，做财务管理和财务，或建立自己的完美产品系统，不要指望只做一个。除了它之外，小程序将成为命中。