Research On The Business Development Strategy Of The Third Party Payment Prepaid Card Business Of ZHX Company

The business of internet payment and mobile payment has had rapid growth with the development of electronic commerce,especially the diversification of consumers for payment Chartered demand.Electronic commerce especially Taobao,Jingdong,Dangdang,Amazon and so on,have a huge impact on the real economy,department stores,supermarkets and other large passenger traffic and revenue fell sharply,associated with the issuance and use of prepaid cards are also affected,transactions tends to shock adjustment period.Since the eighteen anti-corruption campaign,with the gift card features prepaid card sales decline.Taobao payment,We Chat payment and other online third party payment company,began staking to the store.This is undoubtedly worse for the first three party prepaid card payment company.The ZHX company as the first in 2011 to obtain a full payment of third party business license payment company,is prepaid card issuance and acceptance of one of the country's six agencies.His prepaid card business as the backbone of the company's business,facing the pressure of business transformation and innovation.In this paper,the "problem-analysis problem-solve the problem" research ideas is used,first of all,report the question--from 2013 onwards,ZHX company prepaid card business began to decline,resulting in declining operating income decline,what kind of business development strategy should be taken by ZHX company is worth pondering;then through the macro environment analysis,prepaid card industry analysis,ZHX company product analysis and ZHX company's internal strengths and weaknesses,external opportunities and threats analysis,the strategic choice of ZHX company's business development--the diversification strategy.Finally,this paper provides the safeguard measures for ZHX company's business development strategy from the aspects of personnel security,technical support,software and hardware investment,training and innovation of enterprise culture,and building a new incentive system.