Tradelink 2018 Interim Report

10 Tradelink Electronic Commerce Limited  Interim Report 2018 Management Discussion and Analysis (Continued) 管理層討論及分析 （續） 預期數項已確認的大型開發中項目將於年底前完成，我 們有理由相信在今年下半年能保持目前的增長勢頭。另 一方面，如上文所述有關電子保安編碼器的趨勢，我們 預期實體保安編碼器交付服務將逐漸減少，並由我們的 電子保安編碼器解決方案取代。我們會注視這對收益及 溢利的最終影響。值得一提的是，有數家潛在虛擬銀行 曾查詢我們的電子化認識你的客戶解決方案。我們會把 握商機，積極尋求與有關方面合作建立銷售渠道。 其他服務回顧 隨著我們重組業務分部，其他服務由以往主要僅涉及 GETS 相關服務，延伸至包括智能銷售點業務及商業服務 團隊於去年下半年開展的公共平台新業務舉措。目前該 等業務因仍處於孵化階段，其現時只有微不足道或者未 錄得任何收益。 今年上半年，其他服務收益為港幣 9,800,000 元，幾乎全 部來自 GETS 相關服務，較去年收益港幣 9,100,000 元增加 7.0% 。此增長是由於我們穩定的 GETS 相關服務的價格普 遍上升所致。期內分部溢利為港幣 6,200,000 元，較去年 溢利港幣 4,300,000 元上升 45.4% 。 智能銷售點業務方面，繼去年年底前通過我們的首位銀 行客戶推出安卓版智能銷售點支付解決方案後，我們與 該名銀行客戶緊密合作，加快更多該方案的安裝。隨著 該名銀行客戶的首張智能銷售點訂單於今年上半年底接 近完成，我們目前正與其磋商潛在的後續訂單。系統開 發方面，於報告期內，除本身支援的 Visa/ 萬事達卡及銀 聯外，團隊已為我們的智能銷售點解決方案加入更多支 付方式，包括美國運通卡、支付寶及微信支付。我們的 智能銷售點所支援的支付方式得以擴充後，定能提升其 優勢，更受市場歡迎。此外，透過與另一名銀行客戶合 作開發第二個付款路徑以支援 Visa/ 萬事達卡的工作經已 完成，於報告期結束前已通過用戶驗收測試。我們的智 能銷售點在技術上已支援第二個付款路徑，這使我們能 於下半年向有關銀行客戶的商戶開展部署安裝該解決方 案的工作。我們將密切關注智能銷售點業務的進展，並 緊貼市場及相關技術的發展，以評估是否需要改變我們 的業務方向或策略。作為一項新開拓的業務，雖然對我 們智能銷售點解決方案的技術能力感到自豪，但考慮到 香港對此類產品的市場需求仍處於萌芽階段，我們相信 這項業務還需要一些時間才能帶來商業效益。 For the remainder of the year, we are reasonably confident in continuing the growth momentum given several major confirmed projects already under development and expected to be completed before the end of the year. On the other hand, as mentioned earlier about the soft token trend, we expect a gradual decline of our hard token delivery service and replacement by our soft token solution. We will monitor the net impact on the revenue and profit in this regard. It is also interesting to note that several potential virtual banks have enquired with us about our eKYC solutions. We are seizing the opportunities and actively pursuing with interested parties in building our sales pipeline. Other Services Review With the re-grouping of our business segments, our Other Services which previously referred primarily to our GETS-related services only, now include also our Smart PoS business and the new community-wide business initiative started off in the second half of last year by our Commerce Services team; both still under incubation generating negligible or nil revenue at the moment. For the first half of the year, the revenue of Other Services which came almost all from our GETS-related services was HK$9.8 million, 7.0% more than the revenue last year at HK$9.1 million. The increase was due to our general price increase of our stable GETS-related services. Segment profit for the period at HK$6.2 million was up 45.4% from profit at HK$4.3 million last year. Regarding our Smart PoS business, following the deployment of our Android- based Smart PoS payment solution to the market through our first bank customer before the end of last year, we have been ramping up the installations in working with this bank customer. With the fulfillment of the first Smart PoS order placed by this bank customer almost completed towards the end of the first half of this year, discussion with the bank customer on potential subsequent orders is currently underway. On the development side, during the reporting period, the team has completed enablement of more payment methods including American Express card, Alipay and WeChat Pay on top of Visa/Mastercard and UnionPay on our Smart PoS solution. The extended payment methods supported by our Smart PoS will certainly enhance its values and hence marketability. Also, the development work on the second payment path supporting Visa/Mastercard through our other bank customer was completed with customer’s sign off of the user acceptance testing before the end of the reporting period. With our second payment path solution on our Smart PoS technically ready, we can also commence work with the bank customer concerned on the deployment of our solution to their merchant clients starting the second half of the year. We will closely monitor the progress of our Smart PoS business and keep a close watch of the market and related technological development to assess the need for any changes of our business direction or strategy. As a new business venture, while we take pride in the technical capability of our Smart PoS solution, we believe it will take some time to see the commercial benefits of this venture given the nascent market demand in Hong Kong for this type of product.