“Is it really okay for you to leave Nauritus
City and this time to come here like this?”
Celine asked with a fork in her hand as
she tilted her head to look at Jasper as the
two were seated in a restaurant.
Jasper chuckled, “I have a team for the
specific operation. I have already made
arrangements and deployments for the
decision-making process, and there are
people under me who can solve some
small problems. Even if there is an
emergency, the network is so developed
now that I can just find a computer to take
care of it at a moment’s notice, so there
won’t be any big problems.”
Celine nodded; The feeling of guilt in her
heart was only slightly relieved.
“I contacted your father before this.”
Jasper said, “The cooperation is not a big
problem, and it has been negotiated.
Moreover, I learned about you and
Colossal from him.
“You should not have hid this from me.”
Jasper’s tone was obviously accusatory in
the following sentence
Jasper figured that Celine was not treating
him as a friend. She was fired from
Colossal because of him, yet she did not
say anything.
Celine smiled bitterly and said, “Actually,
even if this matter had never happened, I
would have still left my current position
sooner or later. The headquarters has long
been very dissatisfied with my stance and
some choices I made, so they would have
eventually found opportunities for my
dismissal.”
“The preparation of the bank will take
some time, so you can take a good rest
during this period. After the bank goes
online, you will be busy.” Jasper did not
continue to delve into this topic, and he
said gently.
Celine replied, “Do you really want to
open a bank? It won’t be easy.”
“There have been prior banks which
operated with private capital in Somerland, but those are also special cases. For example, Pearson bank and People’s Bank cannot be used as a reference. According to my judgment, Swallow Capital will gradually deregulate the banking industry in the future, such a s allowing the local government to become the major shareholder to establish a local commercial bank.
“This is an opportunity for us, but the bank I want to start does not have any specific offline or physical outlets. I will rely on Sena’s gaming business and Abbylon’s online shopping platform business to develop online banking.”
Celine was very familiar with JW’s business system, and immediately said, ” You mean the online payment system used in Sena’s gaming industry?”
Jasper was really surprised this time.
“I didn’t go into details, and you related it to online payment? Indeed, when I started the online payment system, it was to accumulate and prepare for the opening o fa neobank today.”
Celine looked at Jasper like she was looking at a monster. She said, “When was that? Did you already think about this back then? Are you a man or a god?”
“I am human, of course.”
Jasper laughed and said, “Actually, the business map is like a big tree. First, it has a trunk, and then the branches and leaves are drawn according to the direction and shape of the trunk and main branches. From here, everything will have its veins and traces.
“The bank’s main business in the future i
s divided into three sections.
“The first section is the savings business. Users will transfer money to the bank’s virtual account through online payment, and I will pay the user a higher interest rate than commercial banks.
“The second sector is the payment business. This one is easy to understand. This one will be the easiest to establish because it’ll be relying on the gaming industry and online shopping industry within the JW system.
“The third sector is the financial
business. We have absorbed our users
deposits, so we must use the money to
make even more money. This is no
different from traditional banks.”
Considering that Celine would be the
person in charge of the bank that was still
in Jasper’s mind in the future, she had to
understand the concept of the bank as a
whole. For the first time, Jasper told her
the concept of him starting a neobank.
“In these three sectors, the first sector is
the foundation, the second sector is the
derivative, and the third sector is the
future. The three are complementary to
each other. Without the first savings
business, everything will just be empty
talk. After that, the payment business will
facilitate all internet users in JW, and
finally, the financial business is the core o
f the bank.”
Following Jasper’s description, the basic
framework that a bank should have
gradually appeared in front of Celine.
This bank was born out of a traditional
bank, but it was completely different from the former. It had fewer functions, but it was lighter and more flexible, while the remaining functions were the core business model of the bank.
