W33 - Plan before the End of Q3

There is just over a month left in Q3, so I’ll briefly outline what B2B payments need to focus on next. After initial development of payment capabilities, the B-side now has core methods like quick pay and B-specific methods such as loan payments. These efforts are aimed at providing users with more convenient and faster payment experiences.

By the end of Q3, the main focus for B2B payments is to optimize the experience and metrics of existing capabilities.On the requirements side, the first step is to reduce card-binding loss for contracted payments by linking merchant withdrawal cards or cards users have already bound on the C-side, lowering the operational cost of binding new cards. The second step is to use marketing activities to encourage users to adopt quick pay.

The education cost for getting users to use quick pay lies mainly in guiding them to bind their first quick card, so optimizing contracted payments should currently be the top priority.

On the frontend, because the contracted payments project is part of the merchant platform initiative, we previously paid insufficient attention to its quality monitoring; there are also performance issues from bundling multiple projects, and many C-side card-binding flows were not cleanly handled during early development. So the first frontend task is to simplify the contracted payments codebase and align monitoring granularity with the checkout homepage. The second task is to shift focus to the performance of the checkout homepage and contracted payments: identify and quantify the metrics we need to improve, then develop strategies to tackle them one by one.