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4 Model:
1.Direct cross-subsidies
2.The third party market
3.Freemium
4.Nonmonetary Markets

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Set up quality team to find and solve problems

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Set up quality team to find and solve problems

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Free business model

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Example: Pinduoduo company's disruptive innovation in retail industry in China's e-commerce market

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Electronic operational management of payment services

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Electronic operational management of payment services

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examples：killer application，such as APP store

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examples：killer application，such as APP store