Tag Archives: Paypal

無信不立

10 六月

領導者的信任必須建立在ABCD的基礎上,包含做事的能力、言行誠信、關懷他人,以及可以被信賴的人。唯有在這些基礎上為人處事,管理者才能領導員工共創績效。

文|洪良浩

今年五月十三日,Yahoo董事會解雇了現任的執行長湯普遜(Scott Thompson)。這位上任僅四個月的執行長被查出學歷造假,使得他的信用破產,當他接任雅虎CEO職位時,由於過去曾創下將Paypal公司營收金額從18億跳升到40億的輝煌成績,一般都看好他會讓雅虎脫離被併購的危機。但是不管過去的成就如何輝煌,也不管他有多大的能耐,一旦行為有了缺失,學歷造假的人格瑕疵被揭發,造成信任崩潰,當信任基礎瓦解了,再強的領導力也隨之歸零。

回顧歷史,相信大多數人都知曉周幽王為博寵妃褒姒一笑,下令在都城烽火臺上點燃烽火,上演戲弄諸侯的故事。五年後,酉夷太戎大舉攻周,幽王烽火再燃,而諸侯未到——誰也不願再上第二次當了,結果王死、國亡。

鑑古知今,「誠信」是領導者的必然。新總統在五月二十日在民眾的遊行抗議聲中低調宣誓就職,遊行抗議的民衆失去對馬總統治國的信任感,因為民衆不想再上第二次的當。

領導者的信任必須建立在ABCD基礎上:

A為「Ability」,有做事的能力:具備專業的處事能力,能帶領跟隨者從事有生產力的工作,創造績效,獲取經濟利益。

B為「Believable」,言行誠信:必須要言行合一,不要隱瞞事實,欺騙大衆,更不能說一套,做一套。

C為「Consideration」,關懷他人:要有仁人愛物之心,苦民所苦,以全體的利益為利益,以公平正義為準則。

D為「Dependable」,可以被信賴的人:誠實正直,道德標準足為他人楷模,有擔當且能傾聽人民的心聲。

能夠在這個基礎上做事為人,才能成為人人景仰的領袖,贏得全民的愛戴,成為一位全民的總統。企業領導人也同樣必須堅守上面的四大原則,才能帶領員工共創績效。

我們認為,培育領導人必須從孩童就開始,學習專業能力以處理繁雜事務,還要言行一致、誠信正直、關懷他人,養成仁人愛物之心,才能成為大家所願意託付終身及世世代代的領導人。

我們認為,目前國家缺乏有效領導人的時候,我們只能企盼企業界能培育足夠的領導人,來創造企業生產力;有了生產力才能提升經濟力,有了強盛的經濟力,才能夠讓我們在國際上揚眉吐氣。否則我們只能在強權之下,天天遭受威脅恐嚇,過著惶惶不安的日子。

By: http://tw.mag.cnyes.com/Content/20120531/dcd55909cb7e431fa5e2b2df6b4c7694.shtml

廣告

Facebook Promoted Posts: A Step-By-Step Guide

9 六月

Facebook has started rolling out Promoted Posts for Brand Pages, a new feature that allows businesses to pay for posts to be more predominantly displayed on news feeds.

Earlier this year, Facebook shared the statistic that a Brand Page’s content is only seen by 16% of the fans. Facebook’s slew of ad tools and these new Promoted Posts are geared to help businesses reach and engage more of their fan base.

A brand can now pay $5, $10, $15 or $20 to “get more people who like your Page to see this post.”

“Promoted posts help increase the people you reach for any eligible post. It’s an easy and fast way to reach more of the people that “like” your page and your friends,” says a Facebook spokesperson in an explanatory video.

Facebook users will see promoted posts labeled with “Sponsored” in the news feed (not in the right rail where Facebook ads live) both on desktop and mobile. Promoted Posts have the same targeting ability that regular posts do, so you can geotarget just to your company’s area to get the most bang for your buck.

We walked through the process of creating a Promoted Post and the insights that assess their efficacy, so check out the gallery below for the step-by-step guide. Will you use this tool, and do you think it’ll be more effective than Facebook Ads? Let us know in the comments.

10 Ways to Boost Sales on Your Ecommerce Website

9 六月

It’s fairly simple now to become an online entrepreneur, thanks to technology and social media. Making a profit, on the other hand, is not always simple. There are small details that could greatly affect how your business thrives on the Internet — you can’t just put up an ecommerce portal and expect customers to come rolling in.

Building the smartest (and most successful) business website requires a lot of consideration. Online retailers must balance web design and development with marketing practices to successfully drive sales.

To add to the balancing act, your website and business will benefit when you consider what your customer wants and needs. Most are looking for a simple, straightforward shopping experience. Think about it — when is the last time you felt that way in a mall? There’s a reason shoppers are flocking to the web for their commerce needs — everything is tailored to them.

We’ve gathered a few tips for a successful ecommerce platform in the gallery below, some of which were suggested by Sucharita Mulpurur, an analyst at Forrester, and Ben Zifkin, CEO of Hubba.

Whether you’re a small business owner or an online shopper — as a customer, what features do you appreciate when you’re purchasing something on the web? Share your thoughts in the comments.

PayPal Donation

6 六月

To accept donations, put a Donate button on your website, blog or emails. Creating the button is easy. We provide the HTML code, which you simply copy and paste to your site. Donors can then click the button to make donations. See button features you can customize.

Donate Button

Create your button now

  • Accept donations made with credit cards, debit cards, and PayPal right away.
  • No monthly, set-up, or cancellation fees. Only low transaction fees.
  • Donors don’t need a PayPal account to make their donations.

Note: This button is intended for fundraising. If you are not raising money for a cause, please choose another option. Nonprofits must verify their status to withdraw donations they receive. Users that are not verified nonprofits must demonstrate how their donations will be used, once they raise more than $10,000.

How could you use the Donate button?

Let’s say that you are an animal rescue organization needing to raise funds to provide care for animals. You can easily add a donate button to your website and make it safe and convenient for supporters to give to your cause.

Donate Example

Create your button now

Doing more with your buttons

If you or your developer want to write advanced functions for the Donate button, learn more in the Integration Center.

https://www.paypal.com/us/cgi-bin/?cmd=_donate-intro-outside

Infographic: Top Performing Payment Gateway APIs – Is the Most Popular Gateway the Fastest?

22 五月

To anyone who’s shopped online lately, it’s no secret that more and more commerce is done via payment gateways such as PayPal, Authorize.netStripe.com and Checkout from Google. One of our largest customer segments is eCommerce and we happen to collect not only performance data about these customers’ custom apps, but we also report on the performance of their connections to payment gateways. And while we are agnostic about which payment solutions people use, we thought these customers might benefit from seeing just how well the top payment gateways are performing in the context of overall application performance. So we put together a graphic display that sheds some light on which gateways are the most popular and how they are performing within our customers’ app environments.

In a nutshell, according to the performance snapshot we took across our 21K accounts, the most popular gateway isn’t necessarily the fastest…

支付產業聚焦 – 你知道 PayPal 怎麼賺錢嗎?

1 五月

發表於 <!––><!––> TechOrange

台灣網路以及 App 創業市場最近相當火紅,但是我自己覺得支付產業這個網路世界中的利潤高規模大的項目好像是大家相對不熟悉的一環,跟一些人聊過後我發現理由大都是因為金融相關東西容易讓人有距離感,因為金融產品都會跟法規有所牽扯相當麻煩,不然就是大家都習慣用現有的支付選擇,信用卡交易以及超商付款很安全很方便,何必去想什麼創新呢?但事實上支付產業在世界各地不斷地有著破壞式的創新,讓網路跟行動支付的風險更小成本更低,在科技使用發達的台灣絕對也有著不可小看的潛力;所以我決定開始一系列的文章介紹現在網路以及行動支付產業在全世界一些有名的案例,希望可以提供大家一些想法,待法規更趨成熟後能有更多創業的資源以及人才投入到這個領域!今天就讓我們從全球網路支付龍頭 – PayPal 開始吧!

相信大家都對於 PayPal 不陌生,用 PayPal 可以免除輸入信用卡號碼的麻煩,也可以避免信用卡資料外流的風險,但是大家知道 PayPal 到底是怎麼賺錢嗎?要解答這個問題錢,讓我們先看看金流是怎麼在這個平台上運作的,說穿了 PayPal 是一個結合了電子金流 (Payment Gateway) 以及電子錢包 (e-wallet) 的平台,電子金流連結了信用卡交易系統以及銀行清算系統,資金可以透過這兩個管道進到 PayPal 的銀行帳戶,不管你選擇先儲值在自己的帳戶中,還是將自己帳戶連結到一個信用卡號碼或者銀行帳戶,PayPal 最後都會把這筆金額轉換成電子貨幣的形式儲存在你的電子錢包裡。但是我們要記得當你使用信用卡交易的時候,銀行在把錢清算給 PayPal 時照樣會扣除一筆手續費,所以當你用信卡交易 100 元, PayPal 雖然在你帳戶顯示 100 元,但是實際上可能只收到了98 元;但是稍後當你把這 100 元拿去商家交易的時候,PayPal 若是跟商家收高於 2 元,那他就可以在這個過程中創造利潤,最後再扣掉壞帳損失 (例如帳戶被盜用等) 就會是它的毛利。下面我簡短介紹一下 PayPal 在這三個項目中做了哪些事情去增加它的毛利

1. 交易收入 (Take Rate):除了提高跟商家的收費以外,跨國交易所產生的手續費用以及外匯是另外一個很主要的收入來源,當全世界更多消費者以及商家加入 PayPal ,它就能夠創造更多跨國交易,這也是為什麼 PayPal 很積極地在國際上布局去創造網路效應,讓更多人用 PayPal 在全世界的網路商家都能消費。

2. 交易資金成本 (Transaction Expense):相對於信用卡交易,銀行轉帳其實是相對便宜的,所以你在各個國家都會發現 PayPal 很努力地在跟使用者推銷將 PayPal 帳號連接到銀行帳號,進而大幅降低它的交易資金成本,我自己在英國的 PayPal 帳戶就是直接連接到英國銀行帳戶,透過當地的即時清算系統 PayPal 可以在交易發生的同時間從我的銀行帳戶扣款, 一個 100 英鎊的交易成本瞬間從 1.25 英鎊降到 0.2 英鎊以下,直接就差了 1%。

3. 壞帳損失 (Loss Rate):大家也許不知道  PayPal 在剛起飛的時候,單月的壞帳金額曾經高達 100 萬美元, 創辦人 Max Levchin 當時傾全力針對交易資料做了側底分析後才打造了 PayPal 防盜以及防詐欺交易的系統,這套系統很少被提及,因為 PayPal 了解這個系統是一間支付公司能否成功的關鍵,所以他們盡可能不去洩漏任何關於他們在這各方面的知識以及經驗,也從來沒有申請專利,因為申請專利你就得把所有的資料公諸於世。

讓我們看一下PayPal Q1 2012 財報第 8 頁,你就可以看到這三個數字是 PayPal 商業模式中最重要的三個元素,也是他們每一季財報上的關鍵數字;PayPal 在過去五季中展現了他們優良的經營績效 – 交易收入不斷向上、交易資金成本持續向下、壞帳損失幾乎是持平,所以在單季交易金額從 280 億美元攀升到 330 億美元的過程中,毛利率盡然也能夠同時向上攀升,怪不得財報公布當天 eBay 的股價跳升超過 10 個百分點,因為這些數字證明了 PayPal 這個平台有能力在世界各個市場持續擴張並維持健全的投資報酬率,這絕對是其他競爭者短時間很難複製以及挑戰的。

另外這也是為什麼 PayPal 有著進軍實體通路的本錢;面對大型連鎖通路, PayPal 比起銀行更有議價的空間,當銀行服務費用大都得從 1.5% 談起的時候,PayPal 有著相對低的交易資金成本,面對小型商家的時候, PayPal Here 可以將它龐大的網路使用者帶到零售通路,提供一個更便捷且快速的交易選擇,這個戰場界線的模糊又再次地證明真正的贏家必須創造一個「實體 + 網路 + 行動」三個領域合一的消費者體驗,接下來我們應該可以看到 PayPal 更積極地在所有的領域全面開戰,因為當人們的生活以及消費隨著科技改變,最需要被解決的就是支付的問題,PayPal 應該比誰都清楚。

後記:有興趣的人可以想想 PayPal 怎麼進軍 B2B 支付市場去搶銀行的飯碗,以及 PayPal 如何在手機內應用交易 (In-app purchasing) 跟 Google、Apple 以及 Amazon 競爭,有些我會在之後的文章提到。

By: http://www.appguru.com.tw/appguru/blog/6729/payment-industry-focused-you-know-that-paypal-is-how-to-make-money-you

Near Field Communication: A Quick Guide to the Future of Mobile

11 八月

Before it became a hot topic sometime early last year, few civilians had come across the term “near field communication” (NFC). Corporations, however, had been excited about the technology’s potential since at least 2004 — when Nokia, Sony and Royal Philips Electronics founded the NFC Forum. Samsung, Motorola, Microsoft and more than 140 other organizations all joined the party shortly after.

NFC allows a device, usually a mobile phone, to collect data from another device or NFC tag at close range. In many ways, it’s like a contactless payment card that is integrated into a phone. In other ways, it’s similar to Bluetooth, except that instead of programming two devices to work together, they can simply touch to establish a connection.

So why are some of the world’s most influential companies so excited about it? We’ve compiled notes on what NFC is, why its useful and how it’s starting to permeate the product world.


How Does NFC Work?


NFC devices share a core technology with RFID tags, contactless payment cards and inductive-coupling. In the words of the NFC Forum, “loosely coupled inductive circuits share power and data over a distance of a few centimeters.”

According to the Forum, NFC can operate in three modes:

  • Reader/writer mode: A reader/writer can collect and write information on a smart tag. “The tag is essentially an integrated circuit containing data, connected to an antenna,” explains a white paper from NFC-developer Innovision.
  • Peer-to-peer mode: Two NFC devices can exchange data between each other.
  • Card emulation mode: An NFC device appears to a reader like a contactless payment card or contactless transportation card.

What Can NFC Be Used For?


Personal Rosetta Stone Image

  • Transportation: NFC works with most contactless smart cards and readers, meaning it can easily be integrated into the public transit payment systems in cities that already use a smart card swipe.
  • Ease of Use: Unlike Bluetooth, NFC-enabled devices don’t have to be set up to work with each other. They can be connected with a tap. If NFC-enabled phones become prevalent, you’ll likely be able to initiate a two-player game by touching two phones together. You’ll be able to link a headset to your phone or print a photo just by touching your device to a printer.
  • Smart Objects: NFC can have similar applications as bar codes do now. You can put one on a poster and let pedestrians scan it on their phones for more information. But being able to add more information to any object by integrating a tag has led to some interesting applications that go far beyond billboards. A company called Objecs, for instance, sells an NFC tablet for gravestones. Touching an NFC-enabled phone to the Personal Rosetta Stone provides additional information about the deceased.
  • Social Media: Before Foursquare took off, a German company called Servtag was working toward a similar concept for NFC-enabled phones called Friendticker. The company applied more than 250 NFC-tag stickers at various locations in Berlin that users would swipe their phones past in order to alert their friends that they were “checked in” at that location.

While Foursquare may have stolen the thunder for location-based networking, there are still plenty of social media applications for NFC in the works. In 2009, a German university (Technische Universität München) submitted a prototype to the NFC Forum competition that integrated with Facebook. The application, NFriendConnector, allowed people who met in a physical space to exchange profile data through their phones. Their respective statuses would automatically be updated (for example, “I just met so and so”), and they could choose to include their location (“I just met so and so at this bar”). Instead of stalking a new acquaintance’s profile after a night out, this application provides an option to run a matching method based on variables the user provides (such as interest, dislikes and hobbies) while still chatting with them in the bar.


What’s The Fuss About Mobile Payments?


In the news, NFC is most often discussed in relation to mobile payments or “the digital wallet.” Unlike many other wireless technologies, NFC has a short range of about 1.5 inches. This makes it a good choice for secure transactions, such as contactless credit card payments.

Credit card companies, mobile network providers and startups are all gunning for the opportunity to facilitate digital transactions when NFC-enabled phones become widely available.


What Major Players Are Interested in NFC?


Isis

  • Google: In May, Google revealed a contactless payment system called Google Wallet. Citi, MasterCard, Sprint and First Data partnered on the effort to make an app that enables mobile payments and loyalty cards using NFC. At first, it will support Citi MasterCard and a Google prepaid card and be compatible with the Nexus S 4G.
  • Amazon: Amazon is also exploring an NFC-enabled mobile payment system.
  • Apple: One of the most popular Apple rumors of late is that the iPhone 5 will be NFC-enabled. The same rumor turned out to be false regarding the iPad 2.
  • Microsoft: Not one to be left out of a party, Microsoft is also rumored to be planning NFC capabilities for its next phone releases.
  • PayPal: The company has partnered with Bling Nation, a Palo Alto startup that has been installing contactless payment terminals at local merchants since 2008. When users attached an NFC-enabled sticker to their phone, they could swipe to make payments and receive rewards. Previously, Bling Nation users were paying from accounts at partner banks. Since last summer, they’ve also had the option to pay using their PayPal accounts.
  • Credit card companies: Contactless payment stations that use cards can easily accept payments that use NFC as well. Thus, pretty much every major credit card company that has started the process of distributing payment stations to provide tap-and-go payments using cards is also interested in NFC-enabled payments.
  • Mobile phone providers: Verizon, AT&T and T-Mobile partnered to launch an NFC contactless payment network called Isis last year. Initially, it was partnered with just Discover. Since then, Visa, MasterCard and American Express have signed on.