Wechat "borrowing" function is online! Permanently saving one-click dunning can solve the problem of paying back money?

"Electronic IOUs" appeared, which can even be used to sign housing lease contracts. They are permanently preserved and have absolute legal effect, but can this really put an end to the problem of Lao Lai?

With the promotion and in-depth development of domestic mobile payment methods, fewer and fewer people use cash transactions, and many people borrow money from relatives and friends through Alipay or WeChat transfer. This creates a problem. Since all money transactions are completed in a virtual trading environment, how should I sign the IOU?

In ancient China, borrowing money was written in black and white, and then the fingerprints were pressed. Today, this rule has not been discarded, but once mobile payment begins to replace cash transactions on a large scale, it seems that it is necessary to meet and write IOUs. In order to solve this inconvenience, Tencent launched a small program, which exists in WeChat and is called Small Loan, which can provide a complete template for both borrowers and borrowers. The identity, loan amount and reason are indicated above, and the interest rate and repayment method are more detailed. In addition to real-name authentication in advance, both parties to the transaction also need to provide electronic signatures, which is quite ceremonial.

In fact, the small program was questioned by many people at the beginning of its appearance. They think the IOU is just an electronic template and has no binding effect. However, through careful observation and research, we can find that there is a short paragraph at the end of the IOUs template. In short, IOUs have absolute legal effect, and even the language standard is more formal than our handwritten IOUs. If the IOU is signed, it will become the key legal evidence, which can be used as evidence to help us win the lawsuit in case of breach of contract.

However, some people still question such emerging technology products. Many people think that such electronic information exists in Tencent's R&D headquarters, so it can be modified at any time. This idea is wrong, even an R&D company like Tencent will not completely grasp the evidence in its own hands. Tencent has found some depository services and handed this information to intermediaries for permanent preservation and cannot be modified.

In addition to the convenience and security we mentioned earlier, the applet also concentrates the user's funds on WeChat for trading in a certain sense. In other words, if you want to enjoy the convenient service of small loan, you must put the borrowed money into WeChat wallet and make transactions through WeChat payment platform. We also know that when conducting large-value transactions, the WeChat payment platform will charge a certain fee. Is this creating income for WeChat payment in disguise?

Moreover, for competitor Alipay, such a move is also a powerful means of competition to a certain extent, and it can even absorb a large number of its original payment users.

In fact, there is nothing wrong with the program itself, but just like paper IOUs, their binding effect is not too strong. Will the person who wrote the IOU definitely pay back the money? I don't think so. Now more and more "Lao Lai" appears in the public's field of vision. Many people have been in arrears because the amount of money borrowed is not large. Instead, I have to bow and scrape to those who owe money. At that time, neither paper nor electronic IOUs could play their due roles.

However, such people are still a minority after all. Most people will repay on time or even in advance after borrowing money. Moreover, in order to avoid embarrassing events such as debt collection, the small loan plan has also carefully prepared a "repayment reminder" function. As long as the repayment date stipulated in the loan is reached, the platform will send a message or message.

Generally speaking, the small amount of IOUs can only provide more perfect and convenient loan guarantee for both parties to the transaction. As for whether it can play the expected role, it depends on whether the party who owes money keeps its promise.

As we mentioned earlier, this small program is also a magic weapon launched by Tencent to increase the number of users who use WeChat payment. However, according to the survey of people around us, WeChat payment seems to be unable to replace Alipay, or even share the world with Alipay. It is not easy.

First, let's look at the payment function. When we usually order takeout or shopping, we can find that WeChat payment needs to be completed by entering a password, while Alipay is different. You can pay by entering your fingerprint, which is more convenient and intelligent.

The second is the transfer function. Alipay and friends transfer money almost without any operation of the payee. Money is automatically received, but WeChat payment is not. It requires the recipient to click and agree to receive it. This operation setting is very inconvenient. For example, having dinner with the leader, you check out, and the leader insists on transferring money to you. Do you accept it after WeChat transfer? You don't have so many concerns with Alipay.

At present, WeChat has not been optimized in detail. Instead, some harmless small programs have been introduced, which, in a certain sense, ignores the user's experience, hoping to realize the shortcomings as soon as possible and make smarter and more convenient optimization.