Wechat, the Chinese "whatsapp" that grants personal loans
What would you think if from WhatsApp you could request a credit of 30,000 euros with just one message ? Well, that is what WeChat , the Chinese "whatsapp", will offer through an application on its mobile platform. The Chinese will be able to request up to 200,000 yuan , which is slightly more than 27,000 euros in exchange. Although the conditions and guarantees that they will request from telephony users are still unknown.
Immediate money with the mobile
Microcredits and mobile instant messaging applications do not have much in common in principle, however, interesting associations can be created such as the one announced by WeChat. In the last five years, instant messaging applications and microloan entities have made a dent in our lives. Now it is easier (and cheaper) to send a short text message on your mobile than to make a call. Just as it is easier and faster to apply for a microloan such as CréditoSí than to contract a traditional personal loan from those granted by banks.
In both cases, immediacy is a dominant feature, so why not put instant messaging at the service of customers who need quick money? This practical occurrence will be a fact in China in just a few months.
How to apply for a loan from your mobile?
For now, few details have emerged of the conditions that the Weili Dai platform, created by WeChat, will require its users to grant credit through mobile phones . It is known that behind the idea is the banking firm Tencent , belonging to the same business group as the mobile instant messaging application.
The main challenge that arises in this new way of asking for money is the confidentiality of the data and safeguarding the security of the users . At a time when the mobile is a "Pandora's box" with direct access to the personal information of its owners, security takes on the utmost importance, especially when it comes to money. The proposal comes from the hand of news that does it a disservice, by recognizing those responsible for the Android operating system that 90% of its terminals are susceptible to being "hacked", in part due to the lack of updating of the system.
With the idea on the table and the application trying to attract its first customers, most users prefer to wait and value the experience by third parties. The interest rates applied, commissions, forms of repayment, guarantee and obligations of the users of the loans must be taken into account.
The WeChat app began testing its quick credits system in September. According to its own sources, it has a potential audience of 900 million users , ten percent more than WhatsApp. Of course, for now the application will only offer the loan application service in China. Their landing in Europe is something that will be expected, because first they must overcome the borders of the European Union in terms of economic matters.
Despite the initiative carried out by China's leading instant messaging app, WhatsApp has declined to do something similar. The application in the hands of Facebook focuses its efforts on improving messaging and attracting new users.
Quick credits on mobile in Spain
CreditSí also allows you to access a microcredit application form through your mobile. Without the need to download any application, just with the security offered by the mobile browser and the Credit data control systems Yes, a user can request money for a maximum amount of 500 euros and decide in what term to pay it, with a maximum 30 days.
After making the request, you will receive the answer quickly on your mobile, knowing at all times how much it costs you and when you are going to return it .