As a high-frequency usage scenario for modern Internet users, the travel scenario is considered to be a scenario with frequent usage, relatively stable income, and relatively high-quality customer groups.
As of December 2023, the number of ride-hailing users in China has reached 528 million, accounting for 48.3% of the total number of Internet users. At present, travel platforms, including Tick and Lala, have launched their own money lending services.
The consumer finance industry found that T3 Travel, known as the "national team" of online car-hailing, has also launched its own "borrowing money" section, and has now cooperated with three institutions such as Sweet Orange Loan.
Cui Dayong, CEO of T3 Mobility, once said in a public statement, "T3 Mobility is not only an online car-hailing company, but also a digital technology company. The total amount of order data, driver and passenger information data, vehicle trajectory data, etc., which we produce every day, is close to the petabyte level. ”
Now, the consumer finance industry understands that the company is exploring diversified revenue sources by focusing on ToB/To C financial scenarios, and then mining the value of data.
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Recruit a credit product manager
Recently, the homepage of T3 Travel quietly launched the "Borrow Money" section and launched the loan diversion business.
When Internet traffic platforms set foot in the field of online lending, they usually choose advertising diversion methods in the early stage, and T3 Travel is no exception. According to the page prompts, the on-page loan products are provided by third-party licensed financial institutions such as banks, and the platform only provides information display, and does not develop and manage loan products.
In addition, according to the information on the recruitment website, T3 Travel is recruiting for a number of positions such as credit product manager, credit product operation, and platform financial expert.
In the job requirements of "platform finance expert", the position is required to be responsible for "responsible for the planning and operation of financial services on the T3 platform, including the development of financial scenarios to C\To B, lending, payment and other business development".
According to public information, the main operating body of T3 is Nanjing Lingxing Technology Co., Ltd., which was established in July 2019 and funded by the three major central OEMs of China FAW, Dongfeng Motor and Changan Automobile, with a registered capital of 5 million yuan, so it is also known as the "national team" of online car-hailing.
As early as July 2021, when Didi Chuxing was taken off the shelves, T3 Travel issued a letter to all employees, saying that after the decision of the company's emergency meeting at the management level, T3 Travel urgently adjusted its plan to open the city, and worked hard for 15 cities in a row, with an average daily order volume of more than one million, firmly establishing the second position of China's online car-hailing and "all employees opening the battle mode".
Up to now, T3 Travel has successively landed in 140 cities such as Wuhan, Chongqing and Hangzhou, and completed the layout of core economic circles such as the Yangtze River Delta, Pearl River Delta, Bohai Rim, Chengdu-Chongqing, and the Economic Zone on the west coast of the Taiwan Strait, with a total of more than 260 million registered users and more than 3 million daily orders.
In 2023, T3 Mobility announced the "1521" strategic goal: by the end of 2026, it will achieve four goals of exceeding 10 million peak orders in a single day, revenue of 50 billion yuan, covering more than 200 cities, and 1,000 L4 autonomous vehicles in commercial operation.
Achieving these goals is not an easy task. At present, T3 Travel has to face not only Didi, which has a market share of up to 70%, but also competitors such as Shouqi car-hailing, Shenzhou special car, and Cao Cao special car. The "incremental" market is uncontrollable, and T3 Travel is exploring growth space in the "stock" market.
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发力ToB/To C金融场景
Travel is a high-frequency usage scenario for modern Internet users. According to the latest data, as of December 2023, the number of ride-hailing users in China has reached 528 million, accounting for 48.3% of the total number of Internet users. On the whole, users in travel scenarios are mainly commuters, with more frequent uses, more stable incomes, and relatively high-quality customer groups.
T3 Mobility's ambition is obviously not just to be a travel platform. The company has long positioned itself as a "connector" in the industrial chain, connecting various fields including smart parking, smart charging, maintenance, car insurance, payment, etc., becoming the only mobility company that connects the upstream and downstream of the entire industry and extends the value chain, creating a smart travel ecology.
In addition, in the past two years, T3 Travel has vigorously developed unmanned driving technology and set foot in the field of autonomous driving, first establishing the Aotou Alliance with more than 30 partners to research unmanned driving technology, and then joining hands with China Telecom to create the first domestic travel ecological model - "Qianmo", and launching various travel scenario model solutions.
Cui Dayong, CEO of T3 Mobility, said in a public speech, "T3 Mobility is not only an online car-hailing company, but also a digital technology company. The total amount of order data, driver and passenger information data, vehicle trajectory data, etc., which we produce every day, is close to the petabyte level. How to fully explore and release the value of these data to improve the overall intelligent driving level of vehicles and improve the efficiency of traffic operation is one of the main business directions that we have been focusing on. ”
Nowadays, cross-border credit diversion is considered to be the fastest way to open up revenue sources and release the value of data.
Different from the C2C model in which platforms such as Didi match drivers and passengers through the system and form transactions, T3 Travel mainly adopts a B2C profit model, with a "self-operated vehicle + hired driver" model, supplemented by the dual means that drivers can bring their own vehicles to settle on the platform.
In this way, combined with the recruitment information, it can be seen that in the future, T3 Travel can not only be for individual users, but also for driver groups to launch loan services for specific scenarios. Scenario-based financial services will be more abundant.