 |
АвтоАвтоматизацияАрхитектураАстрономияАудитБиологияБухгалтерияВоенное делоГенетикаГеографияГеологияГосударствоДомДругоеЖурналистика и СМИИзобретательствоИностранные языкиИнформатикаИскусствоИсторияКомпьютерыКулинарияКультураЛексикологияЛитератураЛогикаМаркетингМатематикаМашиностроениеМедицинаМенеджментМеталлы и СваркаМеханикаМузыкаНаселениеОбразованиеОхрана безопасности жизниОхрана ТрудаПедагогикаПолитикаПравоПриборостроениеПрограммированиеПроизводствоПромышленностьПсихологияРадиоРегилияСвязьСоциологияСпортСтандартизацияСтроительствоТехнологииТорговляТуризмФизикаФизиологияФилософияФинансыХимияХозяйствоЦеннообразованиеЧерчениеЭкологияЭконометрикаЭкономикаЭлектроникаЮриспунденкция
Resources and Suppliers
|
Читайте также: |
| Characteristics | Current situation | Future trend |
| What are the most important resource markets used by this industry? | Along with the most important resources for banking operations which is money that are provided by Central Bank or from depositors there are several additional resource markets: market of computerized POS systems and the market of paying terminals (Qiwi, CyberPlat and others) that give access to fast technological service of credit repayment. There are two broad categories of POS systems: the hardware and software combination used and the target business segment of the POS system. Most POS software runs on commodity computer hardware, but is differentiated by the accessories that are applied to each system. Information distribution required to make the sale can be done with specialized software or paper receipt printers. As a result of using computerized POS systems loans are made within 15 minutes[26]. | With the development of technology hardware and software become more and more advanced while simplifying and speeding up the process of POS-lending. Two major resource markets (computerized POS systems and paying terminals) will develop further. |
| Are these markets concentrated? Who has more market power at these markets: buyers or sellers? | A market of paying terminals is very concentrated and sellers have more market power, while a market of computerized POS systems is not concentrated and buyers have more market power. | The market of paying terminals will be saturated, and the sellers’ power will only increase. The market of computerized systems is at the stage of development, so we can expect in the nearest future that buyers will still have the market power. In the long-term perspective the trend is the same as in the paying terminals’ market, and sellers will gain the power. |
| Do firms in the industry purchase relatively small volumes relative to other customers of supplier? To sales of typical supplier? | Competition among banks (for payment terminals and stands in retail chains) is pretty high. At the moment there is a significant amount of banks in the market and they try to get the retail chains as their partners in POS lending business. Thus, retailers have a bargaining power: retail chains decide whose offers to accept and on which conditions to agree. | The competition among banks for providing POS lending will increase, as more and more banks start to provide such option. Only the trustworthy banks and the banks that will provide better conditions will get contracts with the retail chains. |
| Are there substitutes for these resources? | These resources are natural for this business and can not be eliminated. Thus, the POS-loans business depends on these resources and cannot survive without them. | As long as POS-loans industry exists the resources will remain the same. |
| Credible threat of forward integration | No. | No |
| Are suppliers able to price discriminate? | There is no price discrimination as far as all banks are in the similar competitive situation. But retail chains, as a major partners-suppliers, have bargaining power, which is expressed in special agreement: · POS-landing must cover all retain chain; · POS should reject no more than 10% of loans. | The bargaining power will still be in the hands of retailers since they will preserve their place as a main distribution channel. Maybe they will find a way of price discrimination based on, for example, loan conditions. |
Поиск по сайту: