In line with the principle of "all analysis must be implemented at the operational level", in response to the major changes in the IOU business at that time, we need to clarify Special Database the following issues: (1) What does the weakening of the installment mall indicate? To a certain extent: The installment mall does not generate much actual income in the 360 ​​financial system, but only serves as a supplement to the scene; In the installment mall in the IOU, the two-way guide flow through "installment consumption → credit" or "credit → installment Special Database consumption" is also ineffective (as outsiders, we can only get as close to the truth as possible, and cannot ensure absolute correctness). What is the meaning of "spell spell" to the IOU? And how is it reflected in the product? When 360 Finance decided to enter social e-commerce, there was a clear stipulation Special Database in external investment promotion: the settled merchants must be the top merchants of each group platform or factory, the check-in deposit is 5,000 yuan, 6/1000 of the speed service fee, T+1 settlement, and there is a group The ultra-large flow Special Database support (as shown in the figure below). There are also requirements for the category of products. The price of the products in "Pinpin" cannot be higher than Pinduoduo, and there is no brand restriction. This way of directly benchmarking Pinduoduo is suitable for players who have always wanted to expand their user base and sink into the market. Saying is also an Special Database option. Next, we need to think about: how to make the original "credit" business and "spell" empower each other at the operational level? We combed their business processes in detail, and found a combination of 1 APP and 2 mini-programs, where APP refers to "IOU APP", and Special Database mini-programs include "IOU Mini-Program" and "PinPin Mini-Program" (that is, in the The WeChat IOU disassembles the core business into 2 independent mini-programs).