I don’t believe there are people who haven’t experienced similar torture: I bought a 92.5 T-shirt from Xobao, and my hand shook when I paid. At the end of the month, there was an installment bill for no reason, and an additional handling fee of more than 1 yuan; I bought a charging cable for 38 yuan from Xodong, and there was only one option on the first page of payment. The name is "Biao Tiao Pay"; I bought 18.5 yuan of pig's trotter rice in a shopping mall or a certain group, but was attracted by the option to save 3 yuan on my order, so I activated the monthly payment inexplicably; I grabbed a 32 yuan mop in the "Somein" live broadcast room, and after I paid, I refreshed, and I was still wondering, what is "Somein's monthly payment"?
Various "呗", various "monthly payments", various "bars", like brown sugar that has been dried in the summer, have stuck to various payment scenarios in our lives over the years.
You are cautious and refuse to use it again and again, finding the close option hidden in the third and fourth level pages, trying to say goodbye to "Bai", "Monthly Payment" and "Tiao" once and for all.
But they are like the roadside monsters in the game that are always refreshing, flashing in your phone suddenly and quietly jumping in line in front of bank cards and balances.
Various apps will also be very considerate and help you check these candies by default, and then kindly pop up a window to tell you "5 yuan off your first order." Silly, we still always fall into these routines.
Until the clothes we bought are put on, the mop we bought has been put to work at home, and the pig's trotter rice has turned into body fat, We don't even realize that we have borrowed money from various platforms. I paid a round of money...
To be honest, I didn’t know that a certain Ii Tiao was not the default payment of Dongdong until I wrote this article. I just need to scroll down a page to switch.
It’s really no wonder that we were careless. In the past two years, even executives who specialized in network security at Alibaba specifically criticized their own experiences of being induced to open online loans.
If even Internet executives who are well versed in technology will inadvertently step into the trap, then it is not surprising that ordinary people will be trapped.
The destructive power of this kind of routine induced credit is terrifying. If you go to an Internet complaint platform and search for any of the keywords "呗", "monthly payment" and "item", you will easily get tens of thousands or hundreds of thousands of complaints.
Some mothers, the country has just received childcare The subsidy was directly used by a certain platform to offset the account;
Some elderly people used their mobile phones to pay their electricity bills and were induced to open credit. Only after it was overdue did they realize that they owed money.
You thought you were just eating a bowl of pig's feet, but you have quietly taken on a loan.
This kind of rogue behavior of packaging serious financial credit into a child's play payment button has finally come to an end.
A few days ago, eight departments including the People's Bank of China jointly issued the "Measures for the Management of Internet Marketing of Financial Products" in preparation for a heavy blow against these Internet psoriasis on September 30 this year.
The original text of Article 12 of the new regulations reads: “Non-bank payment institutions shall not transfer loans, asset management products, etc. Financial products are included in the payment instrument options and are not allowed to provide marketing services for loans and asset management products. ”
What does it mean? As we said before, when you used to check out your purchases, your bank card and balance on the payment page would be neatly lined up with "Bai", "Monthly Payment" and "Items", and these credit products would often be ranked first.
It looks like a normal payment option, no different from a bank card, but after you choose this payment method, there is an automated process behind it.
After September 30 this year, "Bai", "Monthly Payment" and "Item" must be hard separated from bank cards and balances. They can no longer be mixed together, can no longer be checked by default, and can no longer be ranked at the top.
Of course, this does not mean that these credit products cannot be used in the future. If you really want to use them, you can create a separate window on the payment page to allow users to manually select them instead of using them by default.
Although on the surface, it seems to have just changed the UI interface of the App and added a few more confirmation steps, but to a certain extent, it has directly subverted the financial routines of the Internet giants in the past ten years.
For a long time, major manufacturers have used their We have mastered high-frequency life consumption scenarios (such as taxi rides, ordering takeaways, and online shopping), seamlessly embed credit tools into the checkout process, and use extremely low thresholds to induce users to overdraft consumption, thereby earning high profits.
If these credit consumption are fair, open, and voluntary business practices, it can be said that adults are willing to fight and suffer.
In order to let you overdraw your consumption without any precautions, they not only play tricks on the UI of the payment page, but also play word games in marketing.
If you think about it, just like the little tricks in payment, almost all online loan advertisements are playing the same trick. They will never tell you what the real annualized interest rate is in a conspicuous place. They will only play word games with you in different ways: "Use it this month and pay it back next month", "The daily interest rate is as low as a cup of milk tea" and "Only 3 yuan a day."
It seems very light and cost-effective, but if you really use a calculator to calculate it, you will find that the real interest rate behind it is often much higher than a normal bank loan.
Some installment plans will even use the gimmick of “interest-free for the first installment” to trick you into getting into the car. By the time you realize it, you will have been locked in by the high comprehensive cost.
There are also installment payment platforms that initially allow you to use minimum repayments to continuously amplify your consumption desire. After a period of time, they directly require full repayment, which ultimately leads to the borrower being unable to repay and falling into the situation of using loans to support loans. In the end, they are defeated by the snowball-like interest compounding.
This new regulation can be said to be a slap in the face of these word games.
The official also directly blocked a group of "online loan slang". If anyone dares to use "zero threshold", "secondary payment" and "no cost" in advertisements to deceive people, I'm sorry, it is a direct violation.
Moreover, how much interest will be paid on loaning the money and what are the consequences of overdue payment? You must write it clearly and without falsehood, just like "Smoking is harmful to health" is printed on the cigarette box.
The kind of trick that relies on “the first month is interest-free” to trick you into the door, with high handling fees hidden behind it, will no longer work in the future.
Not only that, the new regulations also dealt with those rogue pop-up windows and algorithm recommendations that are like dog-skin plasters.
Like text message marketing, users must be allowed to unsubscribe directly.
The pop-up advertisements have also been greatly reduced, and a true one-click closing function must be provided.
The new regulations clearly state that when you encounter pop-up advertisements in the future, the "X" that closes must be an "X" that can actually close the page. It must not be the kind of nano-scale button that can't be found with a microscope, let alone a rogue button that downloads a family bucket for you when you click to close it. ”
The reason why the new regulations have to deal with these marketing tactics , not only because they are annoying, but also because these bottomless inducements are causing huge social hazards
You will be surprised if you read a few more messages on a certain complaint platform. Now, the entire Internet credit process is filled with the shadow of violent collection. In order to attract new customers, the platform uses various UI deceptions and pop-up windows to unscrupulously borrow money. When the threshold is lowered to the point where there is no bottom line, it often attracts people who have no ability to repay. So how to collect the overdue debts from these lenders?
2017 When Qudian went public, the prospectus clearly stated that Qudian would collect debt through text messages and automatic voice calls. If the debt collection was ineffective, Qudian would call manually. Borrowers will also come to collect money in person when necessary
According to a previous survey by the People's Daily, only 5.9% of Generation Z, who have been ridiculed as "advanced consumption" by public opinion, are actually "advanced consumption"; on the contrary, 55.3% are "penny-pinching" types.
This means that those who can rate and rank debt collection companies online and understand the rules and limits of the platform are mostly the fastest young people, while those who are truly cornered by debt collection cannot actually make a sound at all.
The ones who are really easy to be accurately fed by the algorithm, deceived by the "daily interest rate of 0.03%", and quietly open credit by default on the payment page are the older generation, delivery boys, and migrant workers who have just moved into the city.
Many friends who have read our article have been tortured to death by "呗" and "monthly payment". In fact, many times they just suffered a small loss, paid a little more interest, and turned off the switches on dozens of third-level pages.
But where we can’t see, those people who don’t know how to pay and have no idea how much “0.03% daily interest” will be converted into an adult, or even the entire family behind them, have been paying for the huge profits of Internet finance for many years.