预付卡背后是信任的“博弈”

Group 1 - The core viewpoint of the articles highlights the challenges faced by the cake brand "Huan Niu Cake House," which announced its closure due to rising costs, intense market competition, and management failures, leaving consumers with prepaid cards uncertain about their value [1] - The announcement of the brand's closure came shortly after it was revealed that its associated company and legal representative were restricted from high consumption due to unpaid debts amounting to 1.2047 million yuan [1] - The situation draws parallels to the previous closure of another bakery giant, "Floating Forest," which also faced consumer trust issues related to prepaid cards [1] Group 2 - The "Anxin Pay" model introduced in Hangzhou aims to address the challenges of prepaid consumption, allowing consumers and merchants to engage in a more secure transaction environment [2] - This model includes two types of prepaid options: "prepay and enjoy later" and "enjoy now and pay later," attracting 200,000 consumers and over 4,000 merchants across various industries [2] - The "Anxin Pay" initiative has reportedly improved merchant conversion efficiency by 10% to 40%, providing a sense of security for businesses and consumers alike [2]