The Study On Multi-Purpose Prepaid Card Company Profit Pattern

With the "non financial institution payment services management approach" and "depository institution customers to pay excess reserves Measure" and a series of payments policy, business prepaid card multipurpose into regulatory era. Multi-purpose prepaid card companies that do not get the license because of policy reasons had to stop issuing business and gradually withdraw from the multi-purpose prepaid card market or submit to takeovers by multi-purpose prepaid card enterprise with the license. But multi-purpose prepaid card companies with license are facing tremendous pressure to survive. Therefore, the multi-purpose prepaid enterprise also faces enormous challenges in greet opportunities at the same time. How to explore innovation and seek new profit point based on the existing profit model, and realize the product value and industrial upgrading, to ensure the benign operation of the enterprises, is the urgent problem for the multi-purpose prepaid card enterprise to solve.Innovative profit pattern of multi-purpose prepaid card enterprise is designed as: to cooperate with customer and merchants deeply to enhance product value and increase profit; to cooperate with traditional financial system and win-win; to promote the payment the fusion with the support of on line business; to provide services of card issuing business for other organizations; to make full use of its own resources to revenue.Merchants and customers is the basic source of multi-purpose prepaid card enterprise’s profit. High quality merchants will attract a large number of customer groups, and customer groups’constantly increases can drive the business flow. Merchants and customers complement each other, and the mutual promotion brings the enterprise commission income and increase the income of the fund.The traditional financial system is a powerful helper of multi-purpose prepaid card enterprise. The multi-purpose prepaid card enterprise can obtain the channel resources, advertising, rapid expansion to double sales with cooperation with traditional financial organizations. Cooperation on financial products is an important way for enterprises to increase income.Online payment service can provide a broader space for multi-purpose prepaid card enterprise, not only in more merchants but also in more abundant products. The prepaid card business and payment business is integrated to achieve the profit goal.The multi-purpose prepaid card enterprise have perfect card issuing system and management system to provide the service of card issuing business and system service for other institutions.Multi-purpose prepaid card companies have a variety of channels and valuable business information to be fully used to revenue.In future, multi-purpose prepaid card companies need pay attention to the four parts in the implementation of innovative profit model:firstly, improve team quality, improve service levels, and do good basic work; secondly, learn from the industry benchmarking enterprises, and absorbing the essence; thirdly, must pay attention to the national policy change, and capture policy trends rapidly; fourthly, keep up with the needs of customers and seek cooperation to keep the pace of innovation.