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Personal growth and development
Asset Management and Insurance Business
- Ant's third and fourth revenue stream is its asset management and insurance business.
- Third Leg (Asset Management): Merchants or shoppers with cash in Alipay could get small return by parking it in a money market fund. Later Ant broadened its offerings turning it into China's most powerful distribution channels for investments.
- Fourth Leg (Insurance): Partnering with insurance firms, Ant is collecting fees as a distribution platform.
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24 reads
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Regulatory Landscape
Alipay is indispensable in China. However, recent suspension of its IPO and antitrust investigation into Alibaba brought new regulatory challenges for the company.
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37 reads
How Ant Financial (Alipay) Makes Money
Alipay is the largest mobile payment platform in the world.
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64 reads
Payment Business
Alipay earns around 0.1% per transaction which is less than what banks earn on debit-card swipes.
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40 reads
Ant Took Over Consumer Loan Market
- Alipay began consumer lending in 2014. Soon it captured 15% share of China's consumer lending market.
- Initially, it made the loans and then packaged them as securities, sold to other financial institutions. Regulators imposed restriction on the securitization.
- Later, Alipay c...
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Beginning
- The company started as a trusted payment option for shoppers and merchants of Alibaba. It worked as an escrow account, transferring money to sellers after buyers had received their products.
- Later Alipay app was launched, introduced QR code for payments.
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45 reads
Other Businesses
- Because of Alipay's sheer volume in payment business, it found advantage of key resource "DATA" to drive its other businesses.
- Alipay app started as mere payment app but expanded its branches to different segments namely credit, asset...
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42 reads
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