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在互联网金融勃兴的浪潮下,O2O模式成为众多互联网企业共同的选择。然而各平台商业模式趋于单一,导致竞争的同质化现象较为严重。在多数企业将商业模式的重心集中在线上业务拓展时,拉卡拉则以支付为起点,打造了独特的以线下为基础的商业模式,进而联结线上服务,成为综合性互联网金融服务平台。拉卡拉以线下小店、移动支付等服务拓展延伸至互联网金融、电子商务平台、信用征信、小额信贷等多领域业务,通过资源整合,形成了一个较为完整的O2O闭环链条,其独特的发展路径为互联网金融的商业模式提供了新的视角和启示。
Under the wave of Internet financial boom, O2O mode has become the common choice of many Internet companies. However, the business model of each platform tends to be single, resulting in a more serious homogenization of competition. While most businesses focus their business models on online business development, LaCala started with payment, creating a unique offline-based business model that connects online services to become a comprehensive Internet financial services platform. La Kala extends its services in offline stores and mobile payment to various fields such as Internet finance, e-commerce platform, credit reference and microfinance, and has formed a relatively complete O2O closed-loop chain through resource integration. Its unique The path of development provides a new perspective and inspiration for the business model of Internet finance.