Let me talk about the experience of Jingdong Small Treasury.

JD.COM Treasury is similar to Ali Yu 'ebao. Users can purchase money fund products after transferring funds into the vault, and the funds in the vault can also shop in JD.COM Mall at any time.

"small treasury" process

First, you must register a login account in JD.COM.

Second, after landing in Jingdong Finance, you must first open an "online banking wallet";

After the third and second steps, you will get the "treasure chest" of "East Brother", which contains cash distributed randomly;

Third, the savings card must be bound to the "online banking wallet". Remember, it must be a savings card, not a credit card. Then transfer some money into the "online banking wallet" (1 yuan or more);

Fourth, after completing the third step, you must share your operations on WeChat, Weibo or qq to get the money in the "treasure chest";

Fifth, on the "My Jingdong Finance" page, transfer the money in the "online banking wallet" to the small vault.

Sixth, the purchase is over.

Expected annualized expected rate of return

In fact, the expected annualized expected rate of return for the experience of "small coffers" is not Bian Xiao's key consideration. The expected annualized rate of return for the seven-day history is 5.68 10% (the value-added treasure of Penghua Fund), while the expected annualized rate of return for Yu 'ebao is 5.4450%. (Updated: 2065438+March 27th, 2004). The small vault is 0.236% higher than the balance treasure.

Comparison of 7-day historical expected annualized expected rate of return between Xiaojinku and Yu 'ebao

Purchase limit

Express payment (CCB) has no limit, and the minimum amount is 1 0,000 yuan (ABC).

Purchase restriction, different payment methods and banks will be very different.

Cash withdrawal

According to different banks, the withdrawal methods are divided into T+ 1 and T+0.

The exit methods are also different.

Process experience

The following small series will tell you the whole process.

1. Register a JD.COM account and log in.

2. Install the online banking wallet and bind the bank card.

3. Set the online banking wallet payment password, similar to Alipay's payment password.

This step is the most talked about by Bian Xiao. Click Bind Bank Card, and the above interface will appear. You can use a credit card or a savings card. Bian Xiao was originally bound by a credit card. If you can use the money in the credit card to buy the money fund products of the small vault, you can enjoy the interest-free period of the credit card and earn money from the money fund, which is equivalent to using the money in the bank credit card for risk-free arbitrage. Isn't it beautiful? But the next thing, let my original idea go up in smoke.

I tied the "online banking wallet" with my credit card of Shanghai Pudong Development Bank, and then I wanted to transfer the money to the "small vault". 10 multiple operations, failed, without any hint. In a word, I failed. Later, I had no choice but to ask for help from customer service. Here, I want to praise JD. Customer service efficiency of COM. After dialing the phone, someone answered at the first sound. It is not easy to do this on the first day of Jingdong Finance's launch. After careful consultation for a long time, both credit cards and savings cards can be bound to "online banking wallet", but credit cards cannot be recharged in "online banking wallet" and only savings cards are supported.

Later, I tried Alipay, but I couldn't recharge it with a credit card. In the end, in desperation, we had to rebind the "online banking wallet" with the savings card of China Merchants Bank before charging the money in the bank card into the "online banking wallet".

But what I want to vomit is: Why didn't you remind users at the beginning? Damn it, I've been doing this for a long time You told me I couldn't use a credit card? This is not a lie. What is this? Everyone must have gone to the "small vault" on the first day of online. Since credit cards can't be used to operate small coffers, you should give a hint on this page. I think the main purpose is to bind your "online banking wallet" and get your mobile phone number, bank card and other information.

4. After recharging the "online banking wallet", click "Transfer" to transfer money to the "small vault".

5. You can choose one of the money fund products. Of course, I chose the one with high expected annualized rate of return.

6. If the transfer is successful, the balance of "small treasury" will be displayed.

abstract

Generally speaking, Bian Xiao feels that the user experience is average. Perhaps the page has just been launched, and some processes and details have not been thoroughly considered. Jingdong Finance page is dazzling enough, but if a novice wants to go through it from beginning to end, it is still very troublesome, which will involve multiple registrations, installing online banking wallet, binding bank card, setting payment password, recharging online banking wallet, and finally transferring money to the "small vault". Among them, it is necessary to switch between several different pages (Jingdong Finance, Online Banking Wallet, Small Treasury), but the customer service efficiency must be praised. If the score is 10, I will give 7 points if I have to score. I also hope that Jingdong Finance will continue to make progress in the future.