20-year technical veteran gives up his CTO title! Why did the startup attract him?

2022 Spring of the year , Many parts of the country have suffered from the COVID-19 , The rapid spread of the virus affects the hearts of Chinese people . Older people may think of ,20 Years ago , A war without smoke of gunpowder is going on .

2002 year , SARS broke out . Unknown viruses have infected thousands of people 、 Hundreds of people died . But the other side of the epidemic is , People are forced to stay indoors , It has pressed the development shortcut key for the budding Chinese Internet industry , JD.COM 、 TaoBao 、 Tencent was born in this period . Duncan · Clark is 《 Alibaba ： Ma Yun and his 102 Year dream 》 According to the book ：“ SARS has confirmed the effectiveness of digital mobile technology and the Internet , Therefore, it has become a turning point for the Internet to rise as a real mass platform in China ”.

This year , Just graduated from Graduate School Fransoir Join the workplace , His career has also had a subtle resonance with the development of China's Internet industry .

Fransoir On 1995 In, he entered the Department of Applied Mathematics of Tsinghua University, a top university in China , Later, he studied for a master's degree in computer application at Beijing University of Aeronautics and Astronautics . I was a student ,Fransoir Namely “ Somebody else's child ”; In high school, I participated in the National Olympic mathematics league , Won the first place in Liaoning Province ; The University and the master's degree have been recommended for their outstanding achievements . After leaving campus ,Fransoir In CAAC 、IBM China Development Center and other different types of platforms .2022 year ,Fransoir In a financial institution with a central enterprise background CTO, Leading a team of hundreds of people , This is a relatively stable job , about Fransoir Come on , He could have stayed in his accustomed environment and walked on . However 2022 Beginning of the year , He suddenly chose to resign and join a start-up company .

New track ！20 The next stop for the technical veterans

Fransoir The startups you join are called XTransfer, Is a small and medium-sized foreign trade enterprises to provide B2B New Unicorn enterprises providing cross-border financial and risk control services .

Fransoir A large foreign enterprise that I have been in 、 Traditional financial institutions are the platform that many young people yearn for , but Fransoir Very clear , These may be a kind of imprisonment for him ,“ Generally speaking, large enterprises have been relatively mature 、 Stable business ecology , There is less demand for innovation , The development space is relatively limited . For a mature technical person , Such an environment is not conducive to self-improvement . Technical people should develop through continuous practice .”

about Fransoir Come on , A platform that can provide the development of imagination is the most attractive to him .

“ The management mode of Internet companies is more flexible 、 Pay more attention to innovation , There will be more room for me to play .” but , This does not mean that any Internet company is a good opportunity .“ In today's To C In the track , Almost all enterprises are on a scale 、 The road for traffic , Many enterprises are eager to get traffic , There is no clear thinking about the business direction and business model , Only driven by capital , Keep running horses and enclosure , Finally leave a chicken feather . Big factories also have some failed projects , Often from this .”

in fact , In recent years, the businesses of various Internet manufacturers have been expanding , Seize the market on different tracks , The product matrix is very rich . But on the other hand , China Internet Network Information Center （CNNIC） released 《 Statistical report on Internet development in China 》 Show , By 2021 year 12 month , The number of Internet users in China has reached 10.32 Billion , Internet penetration reached 73.0%. This means that the growth of the traffic pool will be slow in the future , The cost of getting traffic will only get higher and higher . In the absence of new national level new products and breakthrough technologies , Such a development model is gradually showing signs of fatigue , layoffs 、 Internal volume 、 The word "lie equal" has made headlines .

Sometimes choice is more important than diligence , Can we find a track with room for development , For a person's career is particularly critical . Those who have a clear understanding of this Fransoir I have been optimistic about B2B Cross border payment area .

Fransoir It can be regarded as the first generation of technologists growing up with China's third-party payment , Witness the third-party payment in China from 0 To 1 Development history of .2013 year ,Fransoir Leaving the R & D center of a foreign enterprise , Join a third-party payment agency , As R & D Director . “ We will pay from offline to online , Pay from kaki , Develop into account based payment step by step 、 two-dimensional barcode payment , It has completely changed the payment behavior of the Chinese people .”

Experienced the rise of domestic third-party payment ,Fransoir Focus on cross-border payment ,“ How to make this link, which has been proved to be successful, go through the cross-border field , This is a very imaginative proposition .”

“ Although some companies have been exploring , But in 2017 Years ago , I don't see a good business model , until XTransfer Our first product goes online .XTransfer It shows the industry the right way , do B2B Cross border ‘ Alipay ’, Solve industrial problems driven by technology , It really helps enterprises solve cross-border payment problems 、 Improve the efficiency of capital flow 、 Manage cross-border transaction risk .”

Focus on cutting edge technology , Accelerate cross-border financial development

Join in XTransfer after ,Fransoir Responsible for leading the technical committee of the company , Job functions include technical architecture 、 Technology planning 、 Technology management and interactive experience .

The traditional technical architecture requires stability and not easy to make mistakes , But an overly stable architecture , It means that there will be greater resistance when promoting the evolution of technology iteration . How to lay out in advance while maintaining stability 、 Quick response , It is a challenge for every technology company , It's also XTransfer Important topics of the technical committee .

“ This is not a purely technical challenge . We need to consider the short-term and long-term trends of the industry , At the same time, both industry development and technology development should be taken into account .” Fransoir Give me an example , stay 15 Years ago , You must go to the counter to buy bank financial products , But now just use your cell phone App It's easy to do . this 15 In the year , The nature of financial services has not changed , But technological innovation has brought about changes in the business model .

about Fransoir Come on , There are many things he needs to clarify , What is the essence of cross-border financial business ？ What new technologies can bring new models in the short term ？ How will the industry develop in the long run ？ New technology can give XTransfer What's the change ？ How about the input output ratio ？“ The technology is well laid out in advance , To make the business go more smoothly .” This is a Fransoir mission , It is also his passion ,“XTransfer It provides a very broad space for development , This is my ideal working atmosphere .”

Next , stay XTransfer,Fransoir Will continue to explore in depth , There are two main directions .

First, various cross-border financial business forms derived from cross-border payment ,“ At home , The financial business based on payment has been very mature , But it has not developed in the cross-border field , There are many things we can do . Different from domestic financial business , Cross border finance faces more complex compliance requirements , Not only by Chinese financial regulation , It must also comply with the regulatory requirements of other countries and regions , The challenge for technology is very big . For example, in the European Union GDPR《 General data protection regulations 》, It is called ‘ The most stringent personal data protection regulation in history ’.GDPR Come into force after ,Google、Facebook On the same day, they received the EU 39 Billions of euros 、37 A billion euro fine lawsuit ; Apple 、 Amazon 、Linkedin And other companies are also facing lawsuits from privacy regulators ; Chicago Tribune 、 The servers of many American media websites, such as the Los Angeles Times, were shut down in Europe . Its strictness can be seen .”

The second is digital intelligence risk control ,“ Risk control is the core facility of all financial businesses , But it has a bottleneck . Risk control usually adopts a regular approach , As the business grows , Risk control rules are increasing , And when the number of rules increases to a certain extent , The complexity of maintenance and management will multiply . For this point , I'm looking forward to it AI Algorithmic ability plays a more important role in this , future ,AI Machine learning can help enterprises learn risk events and rules , Complements the rule engine .XTransfer Pay great attention to risk control , Its ability has always been the first echelon in the industry , I believe there will be a bright future .”

How to break the workplace of technical people “35 At the age of phenomenon ”？

In recent years , Internet companies have been exposed to layoffs , Seems to be cashing in “ The programmer 35 Forced to retire at the age of ” The cruel prophecy of . For one who has already 35 Year old “ Old age ” The programmer ,Fransoir I want to give some advice to young people .

“ What technologists fear most is that they will not make progress . Technology is always developing , You can never stop .” therefore ,Fransoir Think , It is particularly important to choose a high-speed development industry and a platform that can provide growth space .“ Once the business stagnates , Your technical ability will be difficult to further . Choose the right platform , It is especially important for young people .”

This is also XTransfer The key to attracting him ,“ In my submission ,B2B Cross border finance will be the future 5-10 The fast-growing track in the field of financial technology in .”

Get into XTransfer after , The little friends in the team also gave him many surprises ,“ This is a very young 、 A vibrant team . Many people joined the company very early , Grow with the company , Over the years, it has accumulated rich exploration and practical experience . They can give me a lot of inspiration , I am often infected by their dedication and enthusiasm .”

“ I don't think I've experienced more 、 If you have more experience, you can stop studying , Can you keep the empty cup mentality as always , Whether there is enough self drive to make continuous progress , It often becomes a watershed between people .” Look at these excellent young people ,Fransoir Also inspired ,“ Enter a new field , I ask myself to become a top expert in this field as soon as possible .”

“ Besides , I don't think we should be ‘35 The retirement age ’ Such a statement frightens , The insight gained through a lot of effective learning and practice can become a person's core advantage , Every age has its own splendor , The key is to have the same precipitation and skill as your age .” Fransoir Tell young people , No matter what age , Don't forget your original heart 、 Not afraid of challenges 、 Continuous improvement ,“ That's what I want of myself .”