Tradelink Electronic Commerce Limited
Interim Report 2017
10
Management Discussion and Analysis
(Continued)
管理層討論及分析
(續)
於回顧期內,我們的電子身份管理(「
e-IDM
」)團隊投放資
源,集中加強研發,改善保安編碼器及生物認證解決方案,
以應對科技演進、監管變動與市場需求。為打擊黑客持續盜
用身份對銀行業構成的威脅,相關監管機構已對銀行實施更
嚴厲規管,要求網上銀行嚴格採用雙重認證,從而令我們的
保安編碼器解決方案需求上升。目前,我們不僅開發有更多
新客戶及更大的市場,亦正展開更換已發給銀行客戶(包括
主要銀行客戶)的保安編碼器,原因是這些保安編碼器的三
年電池壽命將自今年初開始耗盡。後者解釋了本年度至今大
幅增加向主要銀行交付編碼器的原因。由於科技日新月異,
我們亦正研究支援生物認證的電子保安編碼器,作為實體保
安編碼器以外另一個更加方便的保安編碼器選擇。至於我們
的生物認證解決方案業務,繼去年底成功為一名主要銀行客
戶推出首階段後,團隊今年一直努力擴展方案的功能,交付
給該銀行客戶。藉此銀行的參考案例,團隊積極爭取多個熱
門項目,為客戶提供類似解決方案。基於我們現有的成績紀
錄,團隊有信心在短時間內,可因應客戶需要進行些微修改
複製解決方案,以滿足客戶的特定要求。有關生物認證解決
方案的應用實際上不只限於銀行業,在其他行業一樣具備發
展潛力。團隊正探索於醫院推行這些解決方案的可行性。最
後,我們正善用科技的演進及新客戶需求,發掘機會提供一
系列網上及線下的保安方案,為流動銀行營造安全的環境。
有鑒手上所有的項目及計劃,我們對於今年下半年及日後
e-IDM
業務的持續增長充滿信心。
就延期已久的流動銷售點(「銷售點」)╱支付解決方案而言,
我們現可見到曙光。正如二零一六年年報所預示,我們已接
獲一名銀行客戶的首份訂單。正式推出服務前,銀行或需與
信用卡機構進行多項技術認證工作。同時,團隊一直積極接
洽銀行的目標商戶,於市場上落實推出該解決方案。目前關
鍵是於云云客戶中物色首名商戶使用我們的解決方案,作為
客戶參考案例,讓潛在客戶得知有關新付款方式可取之處。
我們將與銀行客戶通力合作,希望於未來數月能協助銀行向
商戶推出解決方案,同時我們亦明白香港市場對採納科技的
保守態度及安常守故的慣性。
During the period under review, our electronic identity management (“e-IDM”)
team devoted resources to focus on further research and development for
enhancing our security tokens and biometric authentication solutions to cope
with the technology and regulatory changes as well as market demand. To
combat the threats of identity theft from continuously emerging hackers affecting
the banking industry, the relevant regulatory authorities have imposed more
stringent regulations on banks requiring the strict use of two-factor authentication
for e-banking and hence more demands for our security tokens solutions. We
are now working on not only a bigger market with more new clients, but also
the replacement of tokens issued to bank customers including our major bank
customer as the 3-year battery life cycle of those tokens is coming to an end
starting this year. The latter explained the significant growth of token deliveries to
the major bank so far this year. Due to technological advancement, we are also
looking into soft tokens supporting biometric authentication as a secure yet more
convenient alternative to hard tokens. As regards our biometric authentication
solution business, upon successful deployment of the initial phase for a major
bank customer at the end of last year, the team has continued to work on
expanding the features of the solution for delivery to that bank customer this
year. With this bank reference case, the team has been pursuing vigorously
several hot cases offering them similar solutions. Given our track record now, the
team has confidence to replicate the solution with minimal customization to meet
specific customer requirements within a short timeframe. Application of such
biometric authentication solutions is actually not limited to the banking industry,
but also has potentials in other industries. The team is currently exploring the
potential to deploy the solution in hospitals. Last but not least, leveraging on
technology changes and new customer demands, we are seeing opportunity
to provide a suite of online and offline security solutions to ensure a safe
environment for mobile banking. With all these projects and initiatives on hand,
we have confidence in continuing the growth momentum of our e-IDM business
for the remainder of the year and beyond.
Turning to our long overdue mobile Point-of-Sales (“PoS”)/payment solution, we
are seeing some light at the end of the tunnel now. As foreshadowed in the
2016 Annual Report, we have secured the first order from a bank customer.
Before actual service launch, it looks like the bank will require some technical
certification works to be done with card associations. Meanwhile the team has
been working vigorously on target merchants of the bank for actual deployment
of the solution in the market. The key now is to get the first merchant on the
ground using our solution as customer reference so that prospective customers
could see the benefits of such new payment alternative. We shall go in full
steam to work with our bank customer to help launch the solutions to their
merchant customers hopefully in the coming months, while bearing in mind the
slow adoption of technology and initial reluctance to change in the Hong Kong
market.