Free Essay

Ea Report

In: Computers and Technology

Submitted By adicr7
Words 1476
Pages 6
Enterprise Architecture
Group Project Report
Submitted on 16-02-2016

Enterprise Architecture for
PayTM

T - 007 y12uc035 Ankit Kumar

y12uc097 Gupta Kapil y12uc134 Kumar Govind Jha

y12uc213

Ronak Modi

Introduction
Paytm is the consumer brand of India’s leading mobile internet company
One97
Communications It is India’s largest mobile commerce platform launched in 2010 and
.
headquartered in Noida, India, . Paytm started by offering mobile recharge and utility bill payments. In 2014, the company launched Paytm Wallet, India's largest mobile payment service platform. The service became the preferred mode of payment across leading consumer internet companies such as Uber, Bookmyshow, Makemytrip. Today it offers a full marketplace to consumers on its mobile app. In a short span of time Paytm has scaled to more than 60 Million orders per month. In The company has already created a user base of 100 million wallets & 25 million app downloads. The time to enter the market was perfect. Customers are already comfortable with buying online.
This paradigm shift was already done by Flipkart and Snapdeal. PayTM entered e­commerce sector at a time when all other players had exhausted the USPs. They all were having a nice website. They all were giving CoDs, they all had massive inventories and all of them were giving equal discounts of 5­10%. PayTM enters the market with not 5, not 10, not 20, not 30 but whopping 50% discount on products. If you apply the coupon codes properly, you can see that the discounts on PayTM were massive. This is clearly visible in clothing, recharges, cycles and bus tickets among many other segments. This was a critical reason behind PayTM success.
PayTM spent less on customer retention but more on giving customer discounts.
PayTM has introduced third form of commercial transaction after B2B and B2C i.e. D2C
Direct­to­consumer. To understand how PayTM earn money, first you need to know about this new business model . PayTM is actually a mobile wallet, this wallet is preferred by the customers over online card payment or internet banking.

2

A wallet is prepaid financial instrument ,which allows its customers to store money in a 'virtual wallet'. The money kept in a virtual wallet is actually stored in an escrow account of the wallet service provider with a bank and, on average, generates interest income as good as in the case of
Fixed Deposits. However, the interest income is not passed on the customer nor does it figure as the primary revenue source for the wallet company. Its revenue accrues from the commission paid by the merchants, whose transactions are conducted by people using the wallet. Similar to credit cards, It is a mode of payment and it charges commission which ranges between 1­2 percent of the transaction values.
The primary revenue source is commissions from Telcos which ranges from 2%(for large &
Established operators) to as high as 5% (for new & small operators). Since the large operators contribute to the bulk of the txn volume, the average commission earned per txn would typically be in the 2.5­3% range. The average payment gateway charges are typically in the 1.8­2% range
(will be lower now after the recent 1% cap on debit card MDR by RBI). The net revenue per txn would therefore be around 0.5­1%. And that's the revenue (not profit) a recharge site makes. To compensate for the low margin they introduced marketplace items where a seller is charged up to
7% per sale. Other than that they earn commission from coupons and more.
So, PayTM like many other awesome companies on planet started with doing one thing and perfected in only that. Online Bill Payments.They ensured that they so

lve the problem of

online bill payments. They were not the first company in India to do so but they perfected their system to the extent that the entire transaction was extremely smooth for the user. They tied up with multiple telecom operators, government bodies for electricity, water and gas. Customers found that PayTM was their goto site for any kind of payments.
Paytm seemingly is trying to plug a big hole in the banks­dominated payment solutions market.
On the one hand, it is attempting to make online shopping possible even for humblest of shoppers without credit cards, by offering many other ways to pay, with high levels of security; it

3

also has the potential of making mobile commerce a bigger phenomenon in India, thanks to this convenience factor.
While paytm transactions are fast, and refunds too are swift, as there are no reasons for bank­type delays, it's still debatable that airtel wallet or paytm will be payment­solutions vendors for sellers of high value goods, any soon The absence of a regulatory cover backing up paytm kinds of companies does make it difficult for the latter to hit it bigger, faster. But of course, with increase in mobile commerce, the volume of demand for paytm is on the rise, and so are it's commission earnings.
One97, and it's investors SAP Partners and others will not be complaining yet, because the commission/ fee earnings are growing and there does appear to be futurity to this business.
Tomorrow, we may even expect other forms of money like bitcoins adding to the paytm platform. This payment solution space was indeed a blue ocean, and One97 took the plunge at the right time.

4

Operating Model and Core Diagram
The Coordination Operating Model Core Diagram is designed by first considering the key customers shared among the business units in the enterprise. The business units in this case offer different products and services but all depend upon a set of shared data to deliver value to the customer segments. Business processes in the Coordination Operating Model are highly integrated since those products and services may involve transactions that span business units.
The key objective is for each customer segment to have a cohesive experience across all the channels and relationships. These autonomous business units have a high degree of control over business process design to adapt to its specific operations.
Our company fall into the category of coordination type of operating model. PayTM initially provided only bill payment and mobile recharge services, but today they also offer services like
Marketplace and e­wallet. This company has multiple divisions, responsible for a set of products and services; however, there are common customers across each of the business units. The core
Diagram of the company is as follows,

5

Processes involved in the coordination operating model. Major Business Processes of PayTM are : PayTM Wallet : A mobile wallet is the digital equivalent of the physical wallet. Like a physical wallet, it stores valuables, only in a digitized form. What it needs though is effective security and permissions to access this material. These may take the form of a password, a QR code, an image or some such authentication code linked to the owner’s specific and sensitive personal information.
For customers, mobile wallets refer to technologies that enable the customers to use their smartphones to do the following:
6

How a typical Mobile Wallet transaction works:

PayTM Recharge and Bill Payment :
Paytm offers a simple way to pay for Mobile, DTH, Datacard and Household recharges and bills.
It offer a hassle free experience so anyone can pay their bills around the clock from the comfort of one's mobile or personal computer.All services on Paytm are free.Paytm supports recharges and bill payments for all major operators across India, so no one is left out.

PayTM Marketplace :
We know smartphone penetration is on the rise. We know mobile shopping is becoming more

7

popular with customers. We know major marketplaces like Flipkart and Snapdeal already have their mobile shopping apps with claims of 20­40% orders from them. We know everyone is talking about mobile commerce and its spiraling popularity.
While everyone is awaiting a majority shift in desktop usage to mobile traffic, Paytm decided to take the leap and throw its doors open to connect sellers and buyers. In February this year,
PayTM’s mobile shopping marketplace was launched to tap into the fast­growing
230+ million smartphone users in India
.
PayTM provides a large variety of products in all the department of commerce to buy online.PayTM Marketplace is one of the best ecommerce site for buying items for daily purposes. PayTM Marketplace has 30 million users and 2 million Transaction per day. PayTM has 30000+ registered sellers and 4000+ brands in various departments providing wide variety of products for customers to buy for.

PayTM Buy and Sell
:
PayTM Buy and Sell is a channel where people can connect with each other to buy or sell goods and services. PayTM is constantly innovating so that users can buy and sell in the easiest and most convenient way possible.

8

9…...

Similar Documents

Free Essay

Ea Stock

...understandable? 2) How are long term prospects of the business? 3) Is the management of that business honest and competent? 4) Is the value of that business worth it to invest? In this paper, EA, Inc. will be evaluated as an example. UNDERSTANDABILITY Electronic Arts, Inc. (EA) is a company which leads the global entertainment software and represents the trend of development of this industry. The company develops, publishes, and distributes entertainments software all over the world for video game systems, personal computers, wireless devices and the internet. EA markets its products under four brand channels which are EA SPORTS, EA, EA MOBILE and POGO. As announced in fiscal 2009, EA posted GAAP net revenue of $4.2 billion and had 31 titles that sold more than one million copies. EA was listed on NASDAQ with its business spread in 26 countries and employees more than 7100 in the worldwide. LONG TERM PROSPECTS In these recent years, American electronic games industry is developing rapidly and has accelerated its speed of globalization. In this situation, EA comprehensively used of several of media technologies to combine with the ideas of novelists, film directors and musicians to create new products, which have been able to lead the trend of interactive entertainment. EA entered the current game market in 1997 with Origin Systems which provided a famous Massively Multiplayer Online Role Playing Game (MMORPG) named Ultima Online. It was a virtual......

Words: 1090 - Pages: 5

Free Essay

Report

...INTERNSHIP REPORT ON “MONEY LAUNDERING AND ITS PREVENTION POLICY: A CASE OF CITY BANK LIMITED” Submitted To: Mr.Shawkat Kamal Assistant Professor & Program Coordinator, Executive MBA BRAC Business School, BRAC University Submitted By Tarek Amin Chowdhhury ID: 08104130 Department of Business Administration BRAC Business School, BRAC University Date of Submission: 22nd April, 2012 INTERNSHIP REPORT ON “MONEY LAUNDERING AND ITS PREVENTION POLICY: A CASE OF CITY BANK LIMITED” Table of Contents Letter of transmittal ............................................................................................................... i) Acknowledgement ................................................................................................................ ii) Executive Summary ............................................................................................................ iii) Acronyms ............................................................................................................................ iv) Chapter 1 ..................................................................................................................................1 Introduction of the report ........................................................................................................1 1.1 Origin of the report ...........................................................................................................2 1.2 Objective of the report......

Words: 29625 - Pages: 119

Premium Essay

E-Commerce Market in the Middle Eas

...tMARKET RESEARCH REPORT E-Commerce In the Middle East Contents Introduction .......................................................................................................................... 3 E-Commerce Market Trends ................................................................................................. 3 Online buying habits: ........................................................................................................... 7 Demographics of Online buyers: ........................................................................................... 9 Challenges for e-commerce implementation ........................................................................ 11 Group buying players of Middle East .................................................................................. 13 Online Payment gateways in Middle East............................................................................ 15 Confidential Page | 2 Introduction Electronic commerce, or E-Commerce, involves the sale of goods and services via electronic means—principally over the internet, although sales via television (terrestrial, cable, and satellite) are also included. E-Commerce can be further divided into the following sectors: business-to-business (B2B), business-to-government (B2G), consumer-to-consumer (C2C), government-to-business (G2B), government-to-citizen (G2C), and business-to-consumer (B2C). Retailers that rely primarily on E-Commerce to sell......

Words: 3500 - Pages: 14

Premium Essay

Ea Enables

... Enterprise Architecture Enables SDLC The enterprise architecture complements the phases of system development life cycle. The SDLC consists of serious of steps that system developers are supposed to follow when developing systems in a firm or organization.  The EA complements and facilitates the phases of SDLC by ensuring organizations follow the steps of SDLC well when implementing systems.  The first step of SDLC is initiation. During the stage, the organizations identify the needs and weaknesses.  Organizations have different needs and hence need to implement different systems. The EA facilitates organizations to identify those needs. The organization can identify methods that need to be change or improved.  In addition, the architecture allows the organizations to recognize current and future objectives (Schekkerman,2003). The concept development phase begins the life cycle when a need is identified and requires developing a system or change a legacy system identified. During this phase, the need is identified it is documented then a feasibility study is conducted. The approach selected should be approved and also funds to be used in the planning phase.  The EA enhances and allows the concept development phase.  It has an adaptable documentation option that can be used to document the discover needs. The planning phase starts after identifying the project and allocating resources to the project, and then a project plan is created. The plan......

Words: 1350 - Pages: 6

Free Essay

Ea Framework

...Designer automatically captures the intersection between architectural layers/perspectives of the enterprise, where users from all groups can visualize and implement quick, reliable, and predictable change (Sybase, 2009).  The Malaysian education community also employed EA in response to the need to improve their information storage method. They decided that a digital library would improve their information flow, allowing individuals to work from their own separate terminals. They chose to employ the Zachman Framework since it was holistic in nature, involved all stakeholders in the development process, considered all aspects of the digital library design, and due to the fact that it could be applied to all domains. Data was collected in order to populate the digital library framework, in the form of individual interviews with the students, surveys, on-site inspections and analysis of student report quality.  The outcome of this EA initiative was that the company was able to use the Zachman framework to help create an environment that supported the building of a remote access system to the digital library from home. This had the effect of optimizing the learning environment and allowed students to produce reports of much higher quality as information was available anytime at anyplace (Abdullah & Zainab, 2008).  The risk reported are related to Cloud computing and the unpredictability of technology and the fast trends that relate to information systems. The cloud can......

Words: 1523 - Pages: 7

Premium Essay

Ea Justification Paper

...business services model and enhancing the business’ process methods.  Moreover,  the  enterprise  architecture  team  in the organization will work  with  stakeholders to identify  the  business needs, technological needs and other needs of the organization.  The CSI solution will help the organization overcome the business problems in the organization.  The CSI solution will improve access to information in the organization through single sign on and limiting access to organizational data, fields and values.  In addition, it will control access to user’s display screens and system processes.  Only authorized users will be allowed to access the processes and data.  A good example of this can be taken for the Department of Defence’s own EA model, whereas their dynamic security of their IT infrastructure has gone from simple passwords, to Common Access Cards and is evolving into Bio-Metrics. The CSI solution will segment and track access according to roles and responsibilities of the users.  Furthermore, it will improve security by preventing fraud and enhancing security by encouraging customer ID verification. It will also eliminate duplicate consumer records by creating a single record for each customer.  Hence, the future vision of the organization will be developed according to the requirements stated above. (Ambler & McGovern, 2004) The enterprise architecture team will then compare the future vision of the organization with the current state of the......

Words: 968 - Pages: 4

Premium Essay

Swot Analysis of Ea (Apa Format)

...SWOT Analysis on Electronic Arts Sports [] [Name of Instructor] [Course Title] [Date] Background of the Company Electronic Arts (EA) are an international organization that deals with the development, marketing, publishing and distribution of video games all over the world. US census bureau identified electronic arts as software publishers industry. EA is well-established and independent producers of video games and according to the study by Thompson (2007), EA made global market up to $35 billion. In 2005, it was observed that the US made sales up to $7 billion along with the video games made by EA, and this amount was predicted to grow more in order, to set a record. The prediction was made on the analysis that retailers would be purchasing an Xbox 360, Sony’s new play station and Nintendo Wii in bulk. But, unfortunately, the originality of new consoles tapered off and a decline in sale was observed by 2010. There are various factors that contribute to progress the popularity and demands of video games among masses. Likewise, these video games were made, themed and styled to satisfy needs of all age groups specifically youth. Secondly, graphics play an important part in expanding the fame and demand of video games. EA showed a tremendous growth in the global market by meeting the needs of customers and by marketed the items properly, exactly according to the increasing budgets, sale promotions and advertisement levels. The growth of the company is......

Words: 2787 - Pages: 12

Free Essay

Ea Games Market Analysis

...code 511210, SIC 7372). The definition of this industry is as follows in the North American Industry Classification System: “This industry comprises establishments primarily engaged in computer software publishing or publishing and reproduction. Establishments in this industry carry out operations necessary for producing and distributing computer software, such as designing, providing documentation, assisting in installation, and providing support services to software purchasers. These establishments may design, develop, and publish, or publish only” (United States Census Bureau, Software Publishers Definition). Electronic Arts (EA) does, in fact, make up one of the world’s largest independent developers, publishers, and marketers of video games. Market Size, Growth Rate, and Industry Life Cycle According to research provided by Thompson, author of the EA case, in 2005, the video game industry made up a $35 billion global market (Thompson 2007). In 2005, the United States alone made up $7 billion in sales out of the $35 billion. The United States also had 228.5 million unit sales which included video games played on PCs and games played on video game consoles as well as handheld gadgets (Thompson 2007). The market was expected to grow even more to record-setting amounts of $58 billion by 2007. This analysis was based on the fact that shoppers would be rushing to buy Sony’s new Playstation 3, Microsoft’s Xbox 360, or Nintendo’s Wii. These sales were then 2 projected to......

Words: 11508 - Pages: 47

Premium Essay

Ms Ea Case

...terms to mean different things. For example, we have two methodologies that describe themselves as enterprise-architectural frameworks: the Zachman Framework for Enterprise Architectures and The Open Group Architectural Framework (TOGAF). Yet these two methodologies share little in common other than the words enterprise, architecture, and framework. So, I will start by defining the terms as I will use them in this white paper. Those definitions marked with an asterisk (*) are taken mostly from IEEE-1471-2000 [01], whose definitions I use where they exist and make sense. architect—One whose responsibility is the design of an architecture and the creation of an architectural description architectural artifact—A specific document, report, analysis, model, or other tangible that contributes to an architectural description architectural description*—A collection of products (artifacts) to document an architecture architectural framework—A skeletal structure that defines suggested architectural artifacts, describes how those artifacts are related to each other, and provides generic definitions for what those artifacts might look like architectural methodology—A generic term that can describe any structured approach to solving some or all of the problems related to architecture architectural process—A defined series of actions directed to the goal of producing either an architecture or an architectural description architectural taxonomy—A methodology for......

Words: 14988 - Pages: 60

Premium Essay

Egypt Eas

...part of the reform process, the Government of Egypt pursued a policy of harmonising (EAS- Egyptian Accounting Standards) with IAS, while ensuring that specific characteristics of the Egyptian operating environment were taken into account. As a result of Ministerial Decision No. 503, in October 1997 Egypt established the Permanent Committee for Accounting and Auditing Standards to issue EAS that were to be based on IAS, yet modified to suit the local arena. Although official responsibility for setting accounting and auditing standards rests with the permanent committee, the Egyptian Society of Accountants and Auditors practically assumes the main responsibility for drafting accounting and auditing standards. The society’s standard-setting committee selects international accounting and auditing standards that are applicable to the Egyptian framework. Once the committee selects an international standard, it is translated into Arabic and becomes the basis for drafting an Egyptian standard that reflects specific requirements under Egyptian laws and regulations. The draft standard is submitted to the permanent committee for discussion, finalisation and adoption. Lastly the final version of the standard is transmitted to the Ministry of Foreign Trade for issuance by a ministerial decree. As from 1998, all listed companies in Egypt were required to comply with the new EAS. By 2000, there were 22 EAS, most of which corresponded to IAS with minor alterations. The main objective behind...

Words: 3670 - Pages: 15

Free Essay

Ea Games Analysis

...code 511210, SIC 7372). The definition of this industry is as follows in the North American Industry Classification System: “This industry comprises establishments primarily engaged in computer software publishing or publishing and reproduction. Establishments in this industry carry out operations necessary for producing and distributing computer software, such as designing, providing documentation, assisting in installation, and providing support services to software purchasers. These establishments may design, develop, and publish, or publish only” (United States Census Bureau, Software Publishers Definition). Electronic Arts (EA) does, in fact, make up one of the world’s largest independent developers, publishers, and marketers of video games. Market Size, Growth Rate, and Industry Life Cycle According to research provided by Thompson, author of the EA case, in 2005, the video game industry made up a $35 billion global market (Thompson 2007). In 2005, the United States alone made up $7 billion in sales out of the $35 billion. The United States also had 228.5 million unit sales which included video games played on PCs and games played on video game consoles as well as handheld gadgets (Thompson 2007). The market was expected to grow even more to record-setting amounts of $58 billion by 2007. This analysis was based on the fact that shoppers would be rushing to buy Sony’s new Playstation 3, Microsoft’s Xbox 360, or Nintendo’s Wii. These sales were then 2 projected to......

Words: 11508 - Pages: 47

Free Essay

Ea Justification Paper

...apply your critical thinking skills and understanding of the course concepts to explain how the enterprise architecture (EA) and/or the EA program benefits an organization. This assignment specifically addresses the following course outcomes: * describe enterprise architecture (EA), the appropriate application of EA frameworks, and an overall ongoing EA program * analyze and examine how enterprise architecture and enterprise systems influence, support, and enable an organization's ability to contribute to strategic decision making and to respond and adapt to the business environment * apply EA concepts to support business requirements and identify opportunities for enterprise solutions Assignment Using the DMV case study provided, determine how an EA could be used to help the DMV accomplish the objectives stated explicitly and implicitly in the case study. The organization discussed in the case study has many issues with its current environment and many changes that it wants to make. It has not established an EA program yet. The purpose of your paper is to briefly explain what an EA program is, and then justify a recommendation to establish an EA program for the organization. You should provide at least four specific examples from the case study to show how an EA program could be of benefit, and you should provide at least two examples of how EA specifically benefitted another organization in solving problems similar to ones in the case study. (NOTE: More than......

Words: 1375 - Pages: 6

Free Essay

Ea Enables Processes

...explain how the enterprise architecture (EA) and/or the EA program supports the other IT management processes of an organization. This assignment specifically addresses the following course outcomes: * describe enterprise architecture (EA), the appropriate application of EA frameworks, and an overall ongoing EA program * analyze and examine how enterprise architecture and enterprise systems influence, support, and enable an organization's ability to contribute to strategic decision making and to respond and adapt to the business environment * apply EA concepts to support business requirements and identify opportunities for enterprise solutions Assignment As you have learned throughout the course, EAs can be used to support a wide variety of information technology management processes, and an EA program strengthens IT management activities. A well-defined and implemented EA contributes significantly to each of the phases of the systems development life cycle (SDLC). For this assignment you will write a 3-5 page paper (not counting any cover sheet or reference pages) that explains briefly what enterprise architecture (EA) is and then how it supplements and enables each of the phases of the SDLC: * initiation/planning/concept phase * requirements analysis phase * design phase * development phase * integration and testing phase * implementation/deployment/support/maintenance phase You should explain how EA enables each phase, how it fits......

Words: 1250 - Pages: 5

Free Essay

Eas Final Project

...Written Assignment #3 The Hood is Real Damian McElroy Word Count: 1525 Due: Nov 18, 2014 Introduction The High Cascade volcanoes are comprised with many volcanoes formed by basaltic eruptions many years ago. More specifically this research report will be designated to the Mt. Hood region seen in figure (1). Research from articles will be provided with references of their origins and give a clear description of the “Hood”, as well as any dangers it may present to populations near by if it were to become unstable. The research comprised within this report is specific and done so with the use of Google Earth images and articles designated to the specific Mt. Hood area; with this research, a hazard assessment and a reliable research station location will be clearly justified and outlined respectively. Description Mt. Hood is a stratovolcano located 45° 21'58.83"N, 121° 41' 43.51"W, has a diameter of 8.83km-10km (This will vary depending on where the diameter is measured from) and a maximum height of 3426m. The elevation profile can be seen in Figure (2), which distinctively justifies the reason for Mt. Hood being classified as a stratovolcano, due to the very steep slope and maximum height of the mountain. Mount Hood, Oregon's highest peak forms a prominent backdrop to the state's largest city, Portland (Smithsonian Institution, 2013). The glacially eroded volcano has been subject to four major eruptive periods during the past 15,000 years (Smithsonian Institution,......

Words: 1688 - Pages: 7

Free Essay

About Ea

...ĐẠI HỌC ĐÀ NẴNG TRƯỜNG ĐẠI HỌC KINH TẾ KHOA QUẢN TRỊ KINH DOANH [pic] TỔNG QUAN VỀ CÔNG TY [pic] GVHD: TS. Nguyễn Xuân Lãn Nhóm thực hiện: Electronic Arts Thành viên: Nguyễn Ngọc Ái Phương 35K2.2 Nguyễn Thị Vân Kiều 35K16.1 Nguyễn Thị Trang Ngọc 35K16.2 Phan Văn Tiến 35K2.2 ((( Đà nẵng, Tháng 9 năm 2012 I. GIỚI THIỆU |Electronic Arts, Inc. | |[pic] | |Loại hình công ty |Cổ phần | |Mua bán với |NASDAQ :  EA  | | |NASDAQ-100 Component  | | |S & P 500 Component | |Công nghiệp |Giải trí tương tác  | | |Máy tính và trò chơi video | |Được thành lập |28 tháng năm 1982 | |Người sáng lập (s) |Trip Hawkins | |Trụ sở |Redwood City, California , Hoa Kỳ | |Khu vực dịch vụ |Toàn cầu | |Thành viên chủ chốt |Larry Probst  | | |(Chủ......

Words: 4036 - Pages: 17

Importance of Computer in Businesses - 2154 Words | I The Female Robot | P.J. Voeten