谁都要搞金融?滴滴也参与,究竟意欲何为?
众所周知,现在滴滴在我们日常的生活中必不可少,不管是日常出行还是出远门,都可以通过它来叫车,但是现在滴滴已经不是普通的一家,仅仅做出行的出租车公司,最近他们进军了金融业务。上线了一个金融频道,不过这样做真的好吗?现在还不得而知,在刚刚过去的一年,关于网约车出事的时间接连不断,导致整个公司的信誉也不是很好,在这个风口浪尖新出一个服务,对于公司的改变又能有多少呢?
从这个页面上,我们可以看到有很多产品已经上线,包括一些保险和理财等项目,浦晶晶是有关于车方面的业务还有很多和他不牵连的信贷产品,近几年来,越来越多的公司出金融项目服务,不管是京东还是苏宁,甚至是其他一些小公司都想要在金融这一方面有重大的突破,实际上做出的改变微乎其微,对于公司的影响来说,也不是很大,而他们最新出的服务也是以轻资产为主的,公司就相当于一个中介处,而其他的一些服务则是和一些机构合作。
滴滴则从中间,收取一定的中介费,对于滴滴车来说,他们的优势就是大数据,不管是注册用户还是车主滴滴都掌握一定的信息这对每一个金融机构来说都是财富,这也是弟弟在信贷方面最大的优势,小编认为现在处着一个服务,其实也是为了对车主和乘客的安全有一个保障,不管是保险还是,财产上都有一定的限制,特别是可以加相关于汽车的服务,做得更加全面。
这也是他们运行的方向,在过去的一年里,滴滴在乘客的安全方面下了很大的力度,同时也做出了很大的投资,这新上线的频道也体现了他们这个理念,用他们的优势去做这和其他一些应用做金融的本质是一样的,除了在这个领域,小编认为在新一年,滴滴还应该在其他业务上作出更大的努力,就举例来说,可以在每一个车主建立相应的服务平台,现在滴滴的用户数量非常庞大,所以牵扯的东西也越来越多。
再下一步,小编认为他们可以给予司机更多的便利和优惠,比如在汽车的维修和一些零件的更换等方面都可以提供便利,甚至是关于汽车的加油或者汽车的保养等方面也可以给司机建立一定的保障。那样就会形成在司机乘客和公司之间,有一个微妙的平衡,这样对于他们来说就会有更大的收益。
这样的话,不仅对于公司来说更加有利,而且对于乘客和司机也会带来更大的信任感,所以可以在搞金融的同时注意到客户的体验,不管是最后能够带来多大的影响,都要始终坚持着把用户放在第一位,毕竟对于这种用户双面型的公司,想要找到一个平衡是非常不容易的,但是当真正找到的时候,那就是公司真正成功的时候。
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