Managing Risk and Supporting Growth in the E-commerce Era

Treasury and Trade Solutions 3 Evolving to Digital Sales Channel — direct to consumer via own branded webstore Evolving to Digital Sales Channel — via online marketplaces Offline Sales and Distribution Channel Producer Producer Producer Brick-and-Mortar Distributor Own Brand e-Store E-Marketplace Consumer (In-store) Consumer (Online/App) Consumer (Online/App) • Goods flow from producer to distributor/retailer, for in-store sale to consumers. • Payment flow from retailer to producer — high value, low volume payments. • Consumer’s basket data available to the retailer (e.g. via retailer’s points reward scheme) but not to producer. • Goods flow from producer to e-marketplace, for sale to consumers online. • Payment flow from e-marketplace to producer. • Consumer’s basket data available to the e-marketplace. • Goods flow from producer direct to the consumer, bypassing traditional distribution points. • Payment flow from consumer direct to producer — high volume of low value payments, producer needs to cater to consumer payment preferences. • Consumer’s basket data available to the producer.