每当人们盯紧钱包,开始追求更高的性价比时,互联网总能大行其道。这个渠道更加透明、高效,且按效果付费。继第三方支付大行其道,抢了银行支付生意之后,互联网又开始抢夺银行更核心的信贷、理财生意。一时间,林林总总的众筹、P2P竟相涌现——瞄向网民手中的“余粮”。不过,互联网是个能把马太效应发挥到极致的地方。必须等BAT三巨头完成厮杀,互联网金融的格局才能尘埃落定。最有优势的是用户已经习惯在其中消费的阿里巴巴,支付宝上本来就有用户沉淀的余额, Every time people keep an eye on purses and start pursuing higher price / performance ratios, the internet is always popular. This channel is more transparent, efficient, and pay-for-performance. Following the popular third-party payment, grab the bank to pay the business, the Internet began to snatch the banks more core credit, financial management business. For a time, numerous crowdfunding, P2P actually emerge - aimed at Internet users in the hands of “surplus grain ”. However, the Internet is a place where the Matthew effect can be maximized. The BAT Big Three must finish the fight, and the pattern of Internet finance can not be settled. The most advantage is that users have become accustomed to spending Alibaba Alipay, Alipay already had the user precipitation balance,