E commerce 2011

E-Commerce For You Supported By By Zulf Choudhary of

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[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],About SpartaPay BSC Finalist 2008 In 2 Categories Best EEC Project Winner 2007 Finalist 2005 Orange Finalist 2009 In 2 Categories

The Market The internet has changed consumer buying behaviour; what, when and how they pay. Merchants must react to these changes or fail. Some Facts: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Source: http://www.iabuk.net/en/1/iabknowledgebankaudiencefactsandfigures.html *http://www.atelier.net/articles/juniper-mobile-application-market-worth-25b-2014 The secret: Know your customers!!!

The Solution That Is Ideal For you This depends on a number of factors: ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Source: http://www.iabuk.net/en/1/iabknowledgebankaudiencefactsandfigures.html *http://www.atelier.net/articles/juniper-mobile-application-market-worth-25b-2014 The secret: Know your customers!!!

The Solution-ecommerce Electronic commerce , commonly known as e-commerce or eCommerce , or e-business consists of the buying and selling of products or services over electronic systems such as the Internet and other networks. ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Getting Started ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Merchant Accounts Direct Merchant Indirect Merchant Low Cost/Flexible High Cost/ Inflexible

Building Blocks For Success! Buyers Bank-the issuer Merchants Bank-the acquirer Internet Order forms & Shopping cart Secure Area for cards data SSL EPos Fulfilment & Logistics Accounts and management of e-commerce SECURE DATA EXCHANGE by VISA or MasterCard Terms & Conditions Website/Mobile App/ Retail

How Ecommerce Works-payments part

Financial Risk ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],In perspective: Fraud represents only 15 to 30 minutes of loss in a full year of trading for many banks. So why concerned?- Brand Reputations

Risk Calculations ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Setting Up Ecommerce Systems ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Before starting consider how will you drive traffic (buyers) to your site?

mCommerce ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Types Of Providers-Examples Credit & Debit Bureau Provide Extras Bucks Net Payment Gateway Shopping cart, reports etc WorldPay Payment Gateway Shopping cart, reports etc PayPal Payment Gateway Shopping cart, reports etc Netbanx Payment Gateway Shopping cart, reports etc Merchant account providers - Streamline Merchant ID - Major Banks Merchant ID Mobile - Apple Inc Mobile bureau service - Ovi Store Nokia devices - Pay2Go Mobile design for e-commerce Postal Orders Banks/Post Off Cheques and postal orders Cash - PayPoint Cash collection for bills - PayZone Cash collection for bills Shopping carts etc Web design and shopping cart providers (Actinic etc, OS Commerce) etc

Actual Costs ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Example of costs Set-up Recurring Costs Charges Bank Acquiring £200 £10 2% - 3.35% per credit card transaction £0.25 - £0.35 per debit card transaction NetBanx PSP £75 £10 from 1% to 4% per transaction Worldpay £200 £360 (annual) 4.5% credit cards, £0.50 debit cards

Other Factors ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],What sets you apart from others? What is your unique selling point in the view of your customers? How do you stand out! Examples: Call of Duty Game, iPhone, Amazon, Tesco, Micro Direct etc. Look at how others have done it. Its all about good design and user experience- remember a good ecommerce business is orchestra of many parts!

Conclusion Electronic commerce is about online selling, taking users to a place they feel secure and happy to buy goods or service. ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Good Luck in 2011

Thank you for listening If you have any questions please contact me Zulf Choudhary Telephone: 0161 306 5848 Email: [email_address] Address: SpartaSoft University of Manchester Arch 29, PO Box 88 Sackville Street www.spartasoft.co.uk

Appendix-List of Services Providers This is not an exclusive list-please search the web for more providers Name Address Allopass http://www.allopass.com/uk Buck.net http://bucks.net/ ChronoPay Bureau http://www.chronopay.com/ DataCash http://www.datacash.com/ ePDQ Barclays bank http://www.barclaycard.co.uk/business/ Moneybookers LTD http://www.moneybookers.com/app/ Netbanx http://www1.netbanx.com/ NoChex http://www.nochex.com/ PayPal http://www.paypal.co.uk/uk PayPoint http://www.paypoint.co.uk/ PO MoneyGram http://www.postoffice.co.uk/ Splash plastic card http://www.splashplastic.com/ Streamline http://www.streamline.com/ SecureTrading Merchant Account http://www.securetrading.com/ SecPay-owned by PayPoint http://www.paypoint.net/secpay-payment-gateway/ RBS WorldPay http://www.rbsworldpay.com/ Apple-mobile http://www.apple.com Ovi Store-mobile https://store.ovi.com/ Icon-mobile http://www.iconmobile.com/ Source http://www.electronic-payments.co.uk/solutions/

E commerce 2011

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E commerce 2011