貿易通 2021 年年報

Management Discussion and Analysis (Continued) 管理層討論及分析（續） 21 二零二一年年報 貿易通電子貿易有限公司 業務回顧（續） 身份管理（「身份管理」）業務回顧（續） 二零二一年身份管理項目的收益當中，包括結轉自 過往而正在進行的項目及新項目，以及已完成項 目。我們有多個正在進行的電子化認識你的客戶主 要項目，其中一個客戶為一所大型保險公司，另一 個客戶為我們的戰略合作夥伴，其專為金融機構提 供數據智能服務以加強風險管理。我們亦於二零二 一年初接到一名回頭客的訂單，將電子化認識你的 客戶解決方案應用於線上遊戲賬戶的電子開戶，相 關開發工作於年底已接近完成。雖然二零二一年身 份管理業務經營環境不利，我們很高興在下半年獲 得一間具有中國背景的本地銀行的新訂單，應用電 子化認識你的客戶解決方案以支援銀行客戶的電子 開戶。該項目已於年底前完成並交付予該銀行，相 關收益亦已悉數確認。 經歷不利的一年之後，我們對身份管理業務於二零 二二年的前景較為樂觀，預期表現將略有改善。除 了不斷增加的經常性保養服務收益外，我們相信亦 能獲得更多項目收益，當中至少包括上述提及的大 型電子化認識你的客戶項目的收益，其開發工作於 二零二一年已進行但尚未開賬單，而項目的開發工 作將於二零二二年繼續進行。我們亦期望，因客戶 於二零二一年預算緊絀而無法落實的項目當中，至 少有一部分能夠重啟。另一方面，我們一直在洽談 若干潛在新項目，當中一部分我們相信很大機會能 在二零二二年落實。同樣重要的是來自現有客戶的 項目，他們對先前設置的解決方案持續提出升級與 更改要求，以應對不斷變化或新業務及營運需要。 部分升級及更改要求更屬大型項目，涉及的工作量 龐大。由於已設置我們解決方案的客戶群龐大，除 了持續保養服務收入不斷增加外，我們會有更多機 會收到這類升級或更改要求。此外，與我們的供應 鏈應用方案業務的情況一樣，我們將向我們的現有 客戶推廣及交叉銷售其他身份管理產品，協助其實 施完整的電子身份生命週期解決方案，以支援其業 務運營。這些解決方案包括用於電子開戶的電子化 認識你的客戶、用於認證╱登錄的雙重認證、用於 授權的電子證書及電子體驗分析。 Business Review (Continued) Identity Management (“IDM”) Business Review (Continued) Looking into the details of revenue from our IDM projects in 2021, it included revenue recognized on a WIP basis on carry-forward and new projects as well as from completed projects. There were a couple of major WIP eKYC solution projects, one of them was for a major insurance company and another for a customer-cum-strategic partner whose business is to provide data intelligence services to financial institutions to enhance risk management. As for another order placed by a repeat customer in early 2021 to use our eKYC solution for digital onboarding for online gaming account, by year end our development work was close to completion. Anyhow, against the adverse operating environment for our IDM business in 2021, we were happy in the second half of the year to secure a new order from a local bank with Chinese background. The order was for an eKYC solution to support digital onboarding of the bank’s customers. The project was completed and delivered to the bank with revenue fully recognized before the end of the year. After a dismal year, going into 2022, we are more positive about the prospects of our IDM business, expecting a slight improvement in its performance. Apart from the increasing recurrent maintenance services revenue, we would have additional revenues from projects, which include, at the least those from our major eKYC project for which development work was undertaken in 2021 but unbilled. Development work for this project would continue throughout 2022. We also expect if not all, at least some of those hot prospects which we could not conclude due to customers’ budget constraints in 2021, could revive. On the other hand, we have been pursuing several new potential projects some of which we believe we have a high chance of closing in 2022. Of equal importance are the ongoing enhancement and change requests from existing customers on previously installed solutions to cope with customers’ changing or new business and operational requirements. Some of these are major enhancements and the works involved are fairly substantial. As we have a large installed base of customers’ solutions, on top of the increasing income for ongoing maintenance services, we have more opportunity for such requests for enhancement or change. Moreover, as in our Supply Chain Solutions business, we will promote and cross-sell our other IDM products to our existing customers which help them implement a complete solution on digital identity lifecycle for supporting their business operations. Such solutions range from eKYC for digital onboarding, 2FA for authentication/login, digital certificates for authorization to digital journey analytics.