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1、AbstractAtpresent,theconvenienceofpaymentservicesintheindustry,fromtheuser
experiencepointofview,thereare4mainbusinessmodels.Respectivelytheyare:
theonlineterminalself-helpmodel,theofflineimplementself-helpmodel,the
offlinedotservicemodelandtheofflinebusinesshallservicemode
2、l.Inthese4
models,occupythemajorsharewhilestillintherapidexpansionofoutlets,agent
modellineterminalandthelineofself-helpmode.However,onlineself-help
modetothedotchargemodelssuchasA,thislineintheusercontention,showed
astrongermomentum.Inthispaperstartingfromthebasicsituation
3、oftheindustry,understandingof
thebusinessmodelandinnovationbased,systematicanalysisofthecoreandthe
structureofthe4elementsofbusinessmodel,thenthepaperdeeplyintoa
comprehensiveanalysisoftheimplementationoftheAnetworkagentmodelline,
includingthebusinessprocessanalysis,busines
4、sanalysis,targetusersanalysis
andcorecompetitiveness.Thenitpointsout3majorproblemsofthemodeofA
existintheimplementationprocess:customerrelationshipmanagement,brand
imageconstructionmeanslesshighcost,distributionnetworkplanningis
difficult.These3problems,Acompanymodelweaknes
5、ses,willnotbechangedin
3-5yearstime,buthowtomakeupfortheshortboardalsoadheretofoster
strengthsandcircumventweaknesses,basedonafullanalysisoftheproposed
twoimprovedstrategies,designtheimplementationpath,namelythe
diversificationofproductsandoutletsfinemanagement.Keywords：Pay
6、mentServices，BusinessModel，Innovation目录第1章引言.............................................11.1研究背景....................................................11.2研究意义....................................................21.3研究内容、方法与技术路线....................................31.4可能的创新与不足.
7、...........................................4第2章商业模式及其创新文献综述..........................42.1商业模式的概念..............................................52.2商业模式的要素与结构........................................62.3商业模式创新................................................8第3章便民服务行业现有商业模式概况及存
8、在问题............93.1线上终端自助模式............................................93.2线下设备自助模
