【文章內(nèi)容簡介】 定 ) the securities (證券 ) trading business in the early 1970s ? In the 1990s, discount brokers faced new petition from online firms 27 Insurance brokers (保險經(jīng)紀公司 ) ? A number of intermediaries that sell insurance policies (保險單 ) from variety of panies have been online since early days of the Web ? Quotesmith ? Began business in 1984 as a policyquoting (保單報價 ) 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 (票務(wù) ) ? 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 (房地產(chǎn)與抵押貸款經(jīng)紀公司 ) ? 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 (在線銀行 ) and Financial Services (金融業(yè) ) ? 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 (帳單顯示 ) ? a lack of account aggregation (帳戶整合 ) 31 FeeforService Revenue Models (服務(wù)費用贏利模式 ) ? Fee based on value of service provided ? Services ? Range from games and entertainment to financial advice ? Online games ? Growing number of sites include premium (高價的 ) 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 (專業(yè)服務(wù) ) ? State laws ? One of the main forces preventing . professionals from extending their practices to the Web 33 Revenue Models in Transition (轉(zhuǎn)變 ) ? 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 (大不列顛百科全書 ) ? 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