electroniccommerce043002

electroniccommerce043002内容摘要：

定 ) the securities (证券 ) trading business in the early 1970s  In the 1990s, discount brokers faced new petition from online firms 27 Insurance brokers (保险经纪公司 )  A number of intermediaries that sell insurance policies (保险单 ) from variety of panies have been online since early days of the Web  Quotesmith  Began business in 1984 as a policyquoting (保单报价 ) service for independent insurance brokers  Decided in 1996 to offer its service directly to the public over the Inter  Disintermediated the independent insurance agents it formerly worked with 28 Event Tickets (票务 )  The Web offers event promoters ability to sell tickets from one virtual location to customers practically anywhere in the world (. )  Online ticket agencies reduce transaction costs for both buyers and sellers of tickets 29 Real Estate and Mortgage Loan Brokers (房地产与抵押贷款经纪公司 )  Provides all of the services that traditional broker might provideexcept that online brokers provide them through Web sites  IndyMac Bank Home Lending  offers mortgage loan and seeks online review in minutes  approved customers can print an approval letter from their puters and take it the same day to buy a new house 30 Online Banking (在线银行 ) and Financial Services (金融业 )  The greatest concerns that most people have are security and reliability of the financial institution  Online banks handle only a tiny portion of the world’s financial transaction  Two barriers are preventing a more rapid rate of growth in the online banking business:  a lack of bill presentment (帐单显示 )  a lack of account aggregation (帐户整合 ) 31 FeeforService Revenue Models (服务费用赢利模式 )  Fee based on value of service provided  Services  Range from games and entertainment to financial advice  Online games  Growing number of sites include premium (高价的 ) games in their offerings  Site visitors must pay to play these premium games 32 FeeforService Revenue Models Cont’d  Concerts and films  As more households obtain broadband access to the Inter  Companies are providing streaming (流 ) video of concerts and films to paying subscribers  Professional Services (专业服务 )  State laws  One of the main forces preventing . professionals from extending their practices to the Web 33 Revenue Models in Transition (转变 )  Subscription to AdvertisingSupported Model  Microsoft founded its Slate magazine Web site  An upscale (高端的 ) news and current events publication  Charged annual subscription fee after a limited free introductory period  Was unable to draw sufficient number of paid subscribers  Now operated as an advertisingsupported site 34 AdvertisingSupported to AdvertisingSubscription Mixed Model   Operated for several years as an advertisingsupported site  Now offers optional subscription version of its site  Subscription offering  Motivated by pany’s inability to raise additional money from investors 35 AdvertisingSupported to FeeforServices Model  Xdrive Technologies  Opened its original advertisingsupported Web site in 1999  Offered free disk storage space online to users  After two years, was unable to pay costs of providing the service with the advertising revenue generated  Later switched to a subscriptionsupported model 36 AdvertisingSupported to Subscription Model  Northern Light  Founded in August 1997 as a search engine  Revenue model  Combination of advertisingsupported model plus a feebased information access service  January 2020  Converted to a new revenue model that was primarily subscription supported 37 Multiple Transitions  Encyclop230。 dia Britannica (大不列颠百科全书 )  Original offerings  The Britannica Inter Guide  Free Web navigation aid  Encyclop230。 dia Britannica Online  Available for a subscription fee or as part of CD package  1999  Converted to a free, advertisingsupported site  2020  Faced declining advertising revenues and returned to。