貿易通 2021 年中報

Management Discussion and Analysis (Continued) 管理層討論及分析 （續） 11 二零二一年中期報告 貿易通電子貿易有限公司 Identity Management Business Review For the first half of 2021, the Group’s revenue from IDM business was HK$25.7 million, down marginally by 3.5% compared with the HK$26.7 million recorded for the same period last year. The slight drop in revenue of our IDM business was partly due to the reduction of project revenue and partly because of the continuous shrinkage of our security token business and related delivery services which was the general trend we had foreseen some years ago. Over the years, our bank customers have been replacing hard tokens with soft tokens for use by their clients. During the period, project revenue was recognised on a WIP basis on carry-forward projects which mainly related to our electronic Know-Your-Customer (“eKYC”) solutions as well as two new projects from a repeat customer who has deployed our biometric authentication solution for use by their clients on their mobile betting application. To further enhance their betting application, this customer placed an order early in the year for using our eKYC solution for digital onboarding of betting accounts of their clients. In conjunction with one of their overseas partners, we would also provide local support service to monitor their betting application, the second project confirmed with this customer during the period. As regards two-factor authentication (“2FA”) projects which generate lower margin than our eKYC solutions, we had completed our most recent order last year. Without the lower margin 2FA project as well as a drop of our more costly security token and related delivery services business during the period, notwithstanding a slight decline of 3.5% of our turnover, the reportable segment profit actually increased from HK$2.2 million last year to HK$2.9 million this year, up 32.3% year-on-year. Looking ahead for the remainder of the year, we are reasonably optimistic about the prospects of our IDM business. One reason is that we actually have on hand a couple of new orders confirmed early in the second half of the year with development work to commence shortly. One of these was an eKYC solution ordered by a local bank with a Mainland Chinese background. The other project was our eKYC solution for digital onboarding of users on the future electronic Mandatory Provident Fund (“eMPF”) platform to be launched by the MPF Authority (“MPFA”) in the next one-to-two years. To meet MPFA’s current schedule, we need to deliver the bulk of our solutions to the prime contractor for this eMPF project by the end of this year. 身份管理業務回顧 於二零二一年上半年，本集團的身份管理業務收 益為港幣 25,700,000 元，較去年同期錄得的港幣 26,700,000 元輕微下跌 3.5% 。我們的身份管理業 務收益的輕微跌幅，部分乃由於項目收益減少， 而另一部分則因保安編碼器業務及相關交付服務 持續收縮所致，此乃我們於過往數年已預料到的 整體趨勢。多年來，我們的銀行客戶已逐步以電 子編碼器取代實體編碼器，供其客戶使用。期 內，項目收益確認自結轉自過往而正在進行的項 目，主要涉及我們的電子化認識你的客戶（「電子 化認識你的客戶」）解決方案，以及兩項從回頭客 戶的新項目，其客戶已應用我們的生物認證解決 方案，供彼等的客戶於流動博彩應用程式使用。 為進一步提升彼等的博彩應用程式，該客戶於年 初向我們下訂單，使用我們的電子化認識你的客 戶解決方案，讓彼等的客戶以電子方式開設博彩 賬戶。我們亦為彼等的其中一名海外夥伴提供本 地支援服務，監察彼等的博彩應用程式，是為期 內與該客戶確認的第二個項目。至於利潤較我們 的電子化認識你的客戶解決方案為低的雙重生物 認證（「雙重認證」）項目，我們已於去年完成最近 期的訂單。期內，在並無利潤較低的雙重認證項 目，以及減少成本較為高昂的保安編碼器及相關 交付服務業務的情況下，儘管我們的營業額稍為 下跌 3.5% ，但可呈報分部溢利實際自去年的港幣 2,200,000 元增加至本年度的港幣 2,900,000 元，按 年增長 32.3% 。 展望本年餘下時間，我們對身份管理業務前景抱 持合理樂觀態度。原因之一是我們手頭上有多項 已於下半年初確認的新訂單，且開發工作即將展 開。於該等訂單中，其中一項為由具有中國內地 背景的本地銀行所訂購的電子化認識你的客戶解 決方案。另一個項目則為我們的電子化認識你的 客戶解決方案，供強制性公積金計劃管理局（「積 金局」）於未來一至兩年間推出的積金易（「積金 易」）平台用戶作電子開戶之用。為配合積金局目 前的時間表，我們須於本年底前向此積金易項目 的總承包商交付大部分解決方案。