What is the difference between the team structure of third-party payment companies and traditional financial companies

1, driven by different factors. The traditional financial industry is process-driven, focusing on direct face-to-face communication with customers, in the process of collecting information, establishing and controlling risks, and delivering services, Internet finance is a data-driven demand, and all kinds of structured information about customers can be the source of marketing and the basis of risk control.

2, different positioning. Internet finance mainly focuses on the traditional financial industry can not serve or pay enough attention to the long-tail customers, the use of information technology revolution brought about by the scale effect and lower marginal cost, so that the long-tail customers in small transactions, market segments and other areas can access to effective financial services. At present, the customer crossover between Internet finance and the traditional financial industry is still relatively small, but the future of the opposite direction, cross-penetration will certainly increase gradually.

3, different modes. Traditional financial institutions have a deep foundation of physical services, offline to expand online, and strive to make fuller use of the original foundation to enhance the convenience of service. And most of the Internet finance is mainly online services, but also focus on expanding from online to offline, the use of convenient means of service, and strive to make the business deeper and more practical.