E-business models * Wednesday *

1
E-business models Wednesday

• Niina Aaltonen
• Jonna Kalermo

2
www.e-loan.com

• Control inventory E-Track Online Loan Status
• Sell online yes
• Price set online based on rates - fixed
• Physical Product/Service a full range of
  mortgages, auto loans, credit cards and small
  business loans
• Likely Revenues annual fee of 75 for the home
  equity line of credit
• Likely Costs operating expenses, advertising, IT
  infrastructure

3
www.insweb.com

• Control inventory no
• Sell online no
• Price set online no
• Physical Product/Service Insurances
• Likely Revenues transaction fees, development
  and maintenance fees, referral fees
• Likely Costs operating expences, IT
  infrastructure, advertising

4
www.freemarkets.com

• Control inventory should be
• Sell online yes - auctions
• Price set online yes - auctions
• Physical Product/Service providing a marketplace
  not a physical product
• Likely Revenues transaction fees, referral fees
• Likely Costs operating costs, advertising, staff
  support for auctions, RD, technical
  infrastructure, granting program