貿易通 2020 年年報

Management Discussion and Analysis (Continued) 管理層討論及分析（續） 22 Tradelink Electronic Commerce Limited Annual Report 2020 業務回顧（續） 身份管理（「身份管理」）業務回顧 身份管理業務延續上半年的強勁勢頭，此業務分 部的全年業績驕人。二零二零年，分部收益為港 幣 63,600,000 元，較 二 零 一 九 年 的 收 益 港 幣 55,800,000 元增加 14.0% 。分部溢利更值得欣喜， 自二零一九年的港幣 10,600,000 元大幅增長 65.9% 至二零二零年的港幣 17,600,000 元。營業額於二零 二零年上升，主要由於就過往已交付項目提供持 續維修服務的收入較二零一九年的相應收入大幅 增加至港幣 6,200,000 元。於二零二零年，項目收 益略有淨增長，為分部營業額增加的另一原因。 然而，保安編碼器交付及相關服務的收益按年減 少港幣 1,400,000 元，該等收益升幅因售予銀行客 戶的保安編碼器減少所抵銷。分部溢利增幅亮 麗，主要由於二零二零年的採購成本（包括外界 提供的保安編碼器及維修工作）較二零一九年減 少，加上盈利較可觀的電子化認識你的客戶項目 顯著增加，以及相對成本較高的雙重生物認證 （「雙重認證」）項目輕微減少所致。由於電子化認 識你的客戶解決方案需求持續增長而雙重生物認 證則減少，我們相信，未來項目的溢利率將相應 提升。 有關於二零二零年確認收益的項目，當中包括年 內已完成及進行中的已確認新項目。就新項目而 言，除中期報告所述者外，我們接獲銀行及金融 行業客戶兩項電子化認識你的客戶解決方案的訂 單，以及主要企業常客的另一項應用方案開發╱ 電子化認識你的客戶項目。我們與主承包商合 作，成功贏得一間香港銀行的合約，其母公司為 台灣最大金融控股公司之一。我們將為此銀行客 戶提供電子化認識你的客戶解決方案，可支援二 零零三年及二零一八年香港智能身份證（「香港身 份證」）。至於另一項電子化認識你的客戶解決方 案，由新成立的信貸機構訂購，該機構提供建於 金融資訊平台上的信貸參考及金融科技解決方 案。我們將提供電子化認識你的客戶解決方案， 支援其股票經紀商客戶進行電子開戶。最後是企 業常客，我們將開發一套配備電子化認識你的客 戶解決方案的應用程式，支援應用程式用戶電子 開戶。 Business Review (Continued) Identity Management (“IDM”) Business Review Continuing the strong momentum of our IDM business in the first half year, this business segment recorded remarkable results for the year as a whole. Segment revenue in 2020 amounted to HK$63.6 million, an increase of 14.0% when compared to the 2019 revenue of HK$55.8 million. Even more pleasing was the segment profit, which recorded a handsome growth of 65.9% from HK$10.6 million in 2019 to HK$17.6 million in 2020. The increase in turnover in 2020 was mainly due to the surge of HK$6.2 million income from ongoing maintenance services provided for previously delivered projects, compared to the corresponding income in 2019. A slight net growth in project revenue in 2020 was another contributor to the segment turnover increase. These increases in revenue were, however, offset by a reduction in security token sold to our bank customers, as the revenue from our security token delivery and related services dropped by HK$1.4 million year-on- year. The impressive increase in our segment profit was due to the reduction in our cost of purchases (including security tokens and maintenance work provided by external parties) and a significant increase in more profitable eKYC projects vis-à-vis a moderate drop in more costly two-factor authentication (“2FA”) projects in 2020 compared to 2019. As the demand for our eKYC solutions continues to increase while that for 2FA decreases, we believe our upcoming project profit margin will surge correspondingly. Looking more closely at our projects with revenue recognized in 2020, they included projects completed and new projects confirmed with work-in-progress during the year. In terms of new projects, aside from those mentioned in the interim report, we have two orders for eKYC solutions from customers in the banking and financial industry and another application development/eKYC project from a key repeat corporate customer. In partnership with a prime contractor, we were successfully awarded a contract by a bank in Hong Kong whose parent company is one of the largest financial holding companies in Taiwan. We will provide our eKYC solutions, which supports the 2003 and 2018 Smart Hong Kong Identity (“HKID”) Cards, for this bank customer. In regard to the other eKYC solutions, it was ordered by a newly established credit bureau that provides credit referencing and Fintech solutions which are built on a financial information platform. We will provide our eKYC solutions to support the digital onboarding of stockbroker customers of this credit bureau client. As for the repeat corporate customer, we will develop an application with the eKYC solutions to support the digital onboarding of the application’s users.