America's Big Hero

After all, if you finally become a millionaire or multi-millionaire, you will surely improve your life.

It can only be said that Sean's timing was really coincidental. It has just passed a year and is still in the first three-month cycle.

OK, that's great! !

What old man David said is indeed right, it is time to return to the country to cultivate.

Take a look, take a look, this is not the first time you come back, you will find so many business opportunities!

This money seems to be blown by a strong wind!

Fuck, now I want to see, who the hell said I'm a bad man!

I, Sean, have money! !

Satisfyingly arranging things, Xiao En felt more at ease in his heart, he was done, and now he can work hard, even if he has always been a negative one.

When the Internet age arrives, there will be nothing to worry about other people!

It's all Lao Tzu's!

Anyone who dares to rob him will be destroyed!

The richest man in the world, I, Sean, sit down!

After enjoying the beauty for a while, Sean finally came out of the coffee shop, went out to get in the car, transferred to the plane, and returned to Newark all the way.

……

After talking about Yates Donahue's set, Monroe Deve's eyes brightened the more he listened.

Although this is completely different from what Sean described to him at the beginning, it has been simplified a lot. It can only be connected to Sean Bank, it can only be a fixed-amount credit card, there is no storage function, it cannot check the balance, it cannot be used across borders, and it cannot convert currencies...

However, this is completely enough!

The only one with a similar function is VISA, but this is for tourism and business, not a track.

This is a monopoly now!

Yates Donahue knows nothing about technology, and the profits here can drive people crazy. Monroe Deve's eyes lit up, and he rushed over and grabbed Sean's arm, "Boss, Do it, you must do it, this is the shortcut to becoming a real top bank!"

"Heh!" Sean twitched his lips, "Make a good deal and see how much money you need to invest."

Monroe Deve squinted his eyes and calculated in his mouth: "There are 50 states in the United States, and one Washington DC. We must have at least 20 continental branches. The top 5 cities in each state must open branches, and there are more than one. It is used to ensure business exchange, such as the 10 largest cities in the United States, each with no less than 10 branches."

"Counting it down, there will be no less than 200."

"Open a branch, buy land and real estate, decoration, labor, servers..."

"There is no 5000 million yuan in the preliminary preparations."

"Why do only 50 of the 20 states need to invest, and what about the others? Only the top five cities in each state? Is it a little less? Even a city ranked 100 has a GDP higher than many small countries, right?" Sean said a series of questions. The problem was thrown away.

"Boss, what I'm talking about is just the initial investment in bank outlets, not counting the operating costs. If you want to promote this business, you need to hire a lot of people. Not every city is Newark, and Sean Bank is there. Bian does not have much popularity, whether it is attracting people to open cards or attracting merchants to use credit card machines, it is not something that can be done in the short term!"

"In the later stage of operation, the expenses will be even more scary. Before we make a profit, we can't support the larger expenses." Monroe explained to Sean.

"Monroe, you have to understand a little bit." Sean, a tactical back, looked at Monroe with his nostrils, and said in a quite complacent tone: "I, Sean, have money!!"

"5 million, is it enough to develop business!" Sean waved his hand with a look of disdain for the world.

Monroe:"……"

I don't know why the boss is crazy, but he is too familiar with this state, every time before Xiao En becomes a big loser, he always looks like I am rich!

Monroe felt refreshed and headache at the same time, who doesn't like a generous boss.

"Dear boss, we have no experience in running such a large bank. If we expand rashly and don't ask internally, a little bit of problem will be magnified. At that time, we will have to expand new business. A bad one will delay a lot of time and give others a lot of money. See the opportunity!" Monroe comforted.

"Moreover, in newly developed areas, people's awareness is low, and how we can attract customers to open a card is a problem."

"This is a very good business, which allows us to take a shortcut and surpass most banks in the United States and even the world. This opportunity must not be let go because of our own mistakes. God will not forgive me."

"Where's Shen Bi?" Xiao En frowned. It's safe to develop slowly, but other banks won't care about it, and they're not NPCs.

"He can't do it either. HSBC is successful in business, not in operation. The place in HK is too small, and the experience is not representative."

Sean squinted, he wanted to find a way to get the best of both worlds.

"Then, can we complete the previous accumulation by acquiring other local banks?" Sean suggested again.

"Yes, yes." Monroe looked at Sean helplessly, "The cost of the acquisition is very high, and we are paying every user!"

"5 million is not enough for you to talk about. I, Sean, have money!!" Sean looked up at Monroe.

"Okay, OK, OK!" Monroe pursed his lips and spread his hands, this will indeed spread the business faster.

Monroe did not raise any objections. Compared with the huge cash flow after the business is launched, it is really not a problem to spend several hundred million now.

That is to say, the bank is not listed. Otherwise, as soon as the news is announced, the rising stock price alone will be enough for Sean Bank to expand its business.

Monroe couldn't figure out why Sean was holding on to the bank and not allowing it to go public, but since Sean said that there were enough bullets, let's do it.

First of all, the consulting company provides a piece of information, the GDP of each state in the United States, the GDP of major cities, in addition to consumption figures of various categories, etc.

Only by comparing various data can we select which states are suitable for promoting the credit card machine business.

This is not a future generation, the Internet is developed, and it can be promoted casually in a city.

The first thing to consider is the problem of telephone service providers, and then whether there are enough merchants that can be promoted, and the difficulty of promotion.

Some states need to establish a continental database, and some states do not need it at all, and only one or two cities can be opened.

For example, in New York State and California, it must be opened at the continental level, but New York City and Los Angeles have to have a separate continental server.

After all, the population of New York is much larger than that of New Jersey.

In short, this is a very complicated project, and it cannot be opened as soon as Sean's lips touch his lips.

Especially in this industry, he was the first to open up a track.

It took hundreds of people a whole week to complete an investigation report, and Xiao En had to follow the staff.

The selection of candidate cities is not yet complete, but a suitable local bank must be found for merger and reorganization. The local bank must have a large number of customers within the selected city.

After research, the entire team still felt that Sean's money-saving plan was the best, and the time and cost saved were more important than the money paid.

Another good filter.

More than 20 banks met the selection criteria before and after. Of course, it is impossible to merge all of them.

At this time, a problem arises. The bank that several teams think is very good is a listed company!

Listed companies are very troublesome. If they want to eat them, they must acquire 75% of the shares and force them to delist, or Sean Bank will go public through a backdoor.

"Why don't you want to go public!" Monroe asked eagerly, "I want Sean Bank to go public. Even if it only has a price-earnings ratio of 10 times, it can easily raise hundreds of millions of funds!"

"Are American leeks so easy to harvest!" Sean rolled his eyes, "With their money, any major decision will be announced. It's easy to talk about profitable deals, but it's easy to lose money!"

"How can I do whatever I want? If you don't like me, I will fire you directly. Is it okay to be a listed company, and the stock is frying pan, and why do you want to investigate me!"

Monroe's face turned black, what the hell is it that he doesn't like me and fires me!

However, he also knew that Sean Bank's role was not only to

"Then it's not okay to acquire a wholly-owned subsidiary and get a controlling stake?" Monroe proposed a compromise.

"Let's see." Sean waved his hand, "First operate other banks to make acquisitions."

Monroe thought for a while and said: "Boss, you should go to your family and ask Mr. David to help. Normal banks are not like us. The shareholding structure is so simple and clear. The shareholders of normal banks are extremely complicated. If one of us If a shareholder negotiates the acquisition separately, the price may be lower, but the time cost is too high, and avoiding the taboo is much better than us re-laying the network and promoting from '0'."

"Okay, give me the information!" Sean would not do such stupid things as in TV dramas where he insisted on getting ahead, and would rather die than surrender if his family helped him.

Like an idiot!

Sean casually rummaged through some gifts from the cold storage at home, and went to Rockefeller Center in New York again!

As soon as he arrived at the door, he waved the secretary away, opened his mouth and said sweetly, "Fifth Grandpa, I'm here!"

Inside the house, old man David's mouth twitched...

Chapter 363: ADM's favor

In the room, old David was talking to a young man with brown hair, sword eyebrows, and a square face.

The sound of Fifth Grandpa at the door made the young man's face flicker in a strange way.

Without waiting for any reaction from the two people in the room, Sean pushed the door open and walked in carelessly.

When he raised his head, his eyes met the young man's. Sean was taken aback for a moment, then blinked to take a closer look, Richard Rockefeller!

Richard Rockefeller was born in 1949, the son of old David, dear.

The two had never met before, but Sean had seen the photo many times.

In other words, God has been friends for a long time!

"Brother Richard is here too!" Sean shouted without giving Old David a chance to open his mouth.

Old man David:? ? ?

Richard:! ! !

While talking, he walked over and put the things in his hands on the old man's table. Then he opened his arms and gave Richard a big hug under Richard's dull gaze.

Richard couldn't react at all, and didn't know how to deal with it. He opened his arms stiffly, neither hugging nor pushing away. He could only look at old David for help.

Old man David is so angry, what the hell are you looking at me for!

You beat him!

"Damn it, brat, you should be called Uncle!!" Old David's nostrils were dilated with anger.

With just such a sentence and a hug, old David has to admit that his son is far worse than Sean.

Not to mention tolerance, just the ability to adapt is not as good, and people can't let go.

"It's all the same, it's all the same." Sean laughed, put his arm around Richard's shoulder, and said with a smile: "I've always wanted to meet Richard, but I always missed it. Today's opportunity is just right, let's have dinner together later. "

Richard: Do we know each other well?

"Everything is the same!" Old man David snorted heavily.

"Everything is different. We are all young. We are only 7 years apart. Everything is in accordance with the rules. When I shouted, I didn't know that I thought Richard was dozens of years old. I called everyone old for no reason. "Speaking, Sean turned his head to look at Richard, his arms were still tight, "Right."

Richard turned his head to look at the hand on his shoulder, then looked at Sean, with a helpless expression, "Okay."

To be honest, it does feel a bit awkward for a super-rich man who drives a battleship across the world and is internationally rebellious to call him uncle.

It's not that Richard's identity can't afford it, but his psychology.

Psychologically, the entire Rockefeller family, even if they didn't say it, there was no one in their hearts who didn't admire Sean.

This is an illegitimate child, who really worked hard with his bare hands, and their conditions are so good, let alone their achievements, they can't even see the taillights.

The gap between the two sides is too big, which makes these people a little ashamed.

This made Richard face Sean, and was psychologically overwhelmed.

Old man David rolled his eyes. It's really not that he doesn't want to push his son to the top. What's the matter, you don't live up to it.

Thinking about it, I didn't want to force Sean to call him uncle. It's useless to force him. Even if he shouted in front of him, what should he do or what should he do when he leaves this room.

"Sean, I warn you, don't lead Richard into a bad situation." Old man David could only say so.

"Fifth Grandpa, what you say is like I'm some kind of villain." Sean rolled his eyes.

"Oh, you know what you are like!" Old man David sneered.

"There's no good in being too honest." Sean muttered in a low voice.

"Do you think everyone is like you!" David yelled angrily.

"Okay, okay, don't be angry." Sean quickly pressed his hands down.

Don't blame the old man David for being angry, even if his son can't achieve any great things and support the family business, he can't be a dude.

Just like what he said, not everyone can make a fortune from the mafia like Sean, but Sean has never been involved in drugs and killed a lot, but Sean's personality is not perverted and bloodthirsty, surrounded by women, but not Will be addicted to wine and sex.

There is no good person around me, and I have done so many bad things, but I have been able to keep my mind clear from the influence of the environment.

This requires great self-control.

Of course, this is not the credit of American education.

David knew his son, if he was thrown into such an environment, he would definitely learn bad things, eat, drink, whore and gamble, and it would be completely over.