章節 772: Chapter 772: Improving the competitiveness of banks
Things went smoothly after Warren Buffett decided to give up. When Merrill Lynch's Manager Barn came to the door again, he successfully took the shares held by Berkshire Hathaway.
Merrill Lynch then immediately transferred the shares to Polaris Capital.
In an instant, Polaris Capital's shareholding exceeded 50%, and the outcome was set!
Upon hearing the news, the original largest shareholder, who had been somewhat resistant, surrendered.
That morning, when Xia Yu went to the New York Stock Exchange again, he suddenly noticed that the colour of the large screen outside the New York Stock Exchange was different from the previous day's. He looked up casually and couldn't help but raise his eyebrows.
It turned out to be an advertisement for ATMs!
He couldn't help but stop and watch for a moment. It turned out to be an advertisement for NCR brand ATMs.
Automated teller machines, also known as ATMs, are extremely useful for banks and have changed the way they operate, speeding up the circulation of money.
In the future, major Chinese banks will focus on building up their ATM networks and improving convenience, rather than opening branches.
ATMs are a powerful tool for banks to compete with each other, and if they are the only ones with ATMs, they can help banks attract customers.
When he thought that there were no ATMs in Hong Kong, not even at HSBC, Xia Yu's heart leapt.
If Jiuding Bank were to be the first to introduce ATMs, it would definitely steal the limelight and further attract deposits and gain market share.
Not to mention, for convenience's sake, those wealthy people who hadn't opened an account before would definitely do so and apply for a card.
And when you consider the newly acquired Chiba Bank from the island country, as well as the Standard Chartered Bank and Royal Bank of Scotland that are currently being acquired, the amount of ATMs he needs is huge.
I wonder how safe the current ATMs really are, and whether they are suitable for widespread promotion.
I can only decide after experiencing them for myself!
Looking at the address on the advertisement, it happens to be at the end of Wall Street.
On Wall Street, where banks are everywhere, NCR will definitely set up a presence unless they don't want the market.
Xia Yu then turned around and returned to the company, asking someone to drive him to the NCR office.
In no time at all, he arrived.
'Welcome!'
'Hello, I'm looking for your manager. I need a batch of ATMs.'
As soon as he entered the door, Xia Yu directly told the receptionist his purpose.
The receptionist, a beautiful woman, smiled and ushered Xia Yu inside: 'Sir, please follow me!'
'Okay.'
...
'Hello, sir, I am the head of the New York branch of NCR Corporation. My name is Dick Anderson. Welcome.'
'Hello, Manager Dick Anderson, my surname is Xia.'
After shaking hands with him, Xia Yu came straight to the point.
'Manager Dick Anderson, my bank needs a batch of ATMs. I wonder how safe your ATMs are. Can you tell me more?'
Dick Anderson smiled broadly and nodded eagerly: 'Of course it's no problem. Our company is the largest manufacturer of ATMs in the United States, and we currently occupy more than 60% of the market. The safety performance has stood the test of the market, so you can rest assured.'
'Please follow me, and I can show you on site.'
After saying this, Dick Anderson led Xia Yu to a spacious room, where there was a row of more than ten ATMs, of course the kind that were not embedded in the wall.
He skillfully opened one, first gave Xia Yu and the others the product introduction book, and then ably introduced the functions of the ATM to Xia Yu.
'Mr Xia, the shell of our ATM is made of...'
Dick Anderson kept moving his hands and kept talking.
Xia Yu listened quietly, and after he finished talking, he personally operated it himself.
From Xia Yu's perspective, the functions of the current ATMs were much more rudimentary than those of later generations, and the systems were also quite simple.
However, considering the constraints of the times and technology, this was understandable.
More importantly, there were no computer experts in Xiangjiang at the moment, so there was no need to worry about the system being cracked and loopholes appearing.
The only way for people with evil intentions was to violently destroy the ATM and directly rob the money.
But this is unavoidable. In the current environment, there are quite a few bank robbers, and this will exist in future generations. The only way to prevent it is to strengthen management as much as possible, so that only a small amount of money remains in each ATM after work.
Then there is only one crucial problem left!
That is the problem of banknote recognition.
The ATMs here must recognise US dollars. If you insert Hong Kong dollars or British pounds, it will definitely display that it is counterfeit.
If you want to recognise Hong Kong dollars and Japanese yen, etc., you have to debug the system.
It will be even more troublesome if Jiuding Bank enters Southeast Asian countries, after all, there are many Southeast Asian countries.
Thinking about this, Xia Yu directly asked, 'Manager Dick Anderson, I need a machine that can recognise more than ten types of banknotes, such as Hong Kong dollars, British pounds, Japanese yen, Australian dollars, and the currencies of Southeast Asian countries. Do you have one ready?'
Dick Anderson suddenly looked embarrassed and shook his head apologetically, saying, 'I'm really sorry, but so far, we have only manufactured ATMs that recognise thirteen currencies, including the US dollar, British pound, German mark, French franc, Taiwan dollar and Japanese yen. In Asia, we have only sold ATMs that recognise the Taiwan dollar and Japanese yen.
'The only ATMs available off the shelf are those for the British pound and Japanese yen. As for other currencies, we need to set up the corresponding systems, which may take a little time, but please trust in our capabilities. In a month at the most, we can manufacture ATMs for all the currencies you need.'
Xia Yu nodded slightly and said, 'Okay, first give me 100 ATMs that recognise Japanese yen. Contact me when you have manufactured the other machines.'
'Okay, Mr. Xia, which currencies do you need? What is the exact quantity? I'll make a list first.'
'Forget the quantity for now. You just need to make the prototype. As long as it meets the standards, the minimum order for each type is 50 units, provided that the quality is guaranteed!'
A potential order of at least 700 to 800 units is no small deal! It must be taken seriously!
Dick Anderson's expression became extremely serious as he said solemnly, 'Mr. Xia, don't worry. Product quality is the foundation of our survival, and we are confident that we can withstand the test.'
'Let's not talk about the quantity for now. What currencies do you accept?'
'Hong Kong dollars, Australian dollars, Indonesian rupiahs, Malaysian ringgits...'
In the lounge area, after some thought, Xia Yu named the currencies of various Southeast Asian countries one after the other, and Dick Anderson and his subordinates quickly took notes.
Afterwards, Xia Yu first paid for 100 Japanese yen ATMs, and then paid a small deposit, asking Dick Anderson to first manufacture the ATMs and then come to Polaris Capital to see him.
After returning, Xia Yu immediately called Liu Tianci and told him about the ATM. The most important thing was to formulate a plan for the placement of ATMs and to count how many ATMs were needed. The list would be sent to him within half a month.
After dealing with the ATM matter, Xia Yu continued to immerse himself in the New York Stock Exchange or handle affairs in the company.
Before he knew it, half a month had passed in a flash, and IBM's shares had finally been taken over by Lei Dario. It was time for him to make his move.
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