Research On The Business Model Of Oceanpayment Company From The Perspective Of Differentiated Development

In recent years,the COVID-19 has continued to promote the transformation of shopping from offline to online,the global transaction volume of digital payment has increased,the national policy encourages cross-border trade,and the cross-border e-commerce industry has ushered in a period of transformation and rise.Changes in the industry structure have made the cross-border payment competition more complicated.More and more enterprises cater to customer needs and seize the market in the cross-border payment field.Under the background that price competition gradually loses its advantages,differentiation has become the choice of cross-border payment enterprises.This paper first introduces the basic situation of oceanpayment’s business model based on differentiated development,and then studies the development and characteristics of the third-party cross-border payment industry.It is found that the third-party cross-border payment industry has a good development trend,there is a trend of differentiation and integration,and the market has the characteristics of financial technology empowerment and stricter supervision.Then the paper analyzes the four levels of competitive resources of oceanpayment,uses the nine elements model of the business model canvas,introduces the business models of Pay Pal,ipaylinks,Lianlian payment and pingpong,compares the domestic and foreign cross-border payment enterprises with oceanpayment,and explores the success of the differentiated development of oceanpayment’s business model and the optimization direction of oceanpayment in business model design,The Enlightenment of the development of China’s third-party cross-border payment enterprises is obtained and relevant suggestions are put forward.Based on the perspective of differentiated development,this paper studies the third-party cross-border payment enterprises in combination with the business model theory,and concludes that adopting differentiated business models in the fierce market competition environment can establish barriers and gain greater competitive advantages,which has important reference significance for the development of enterprises in similar industries.