商业模式PNMP-CET@I反馈调节分析模型:蚂蚁金服案例

本文认为商业模式创新是一个反复调整的过程,基于商业模式冰山理论和CET@I方法论,构建了商业模式PNMP-CET@I反馈调节分析模型.该模型综合考虑各类环境因素,基于集成的思想对各要素进行综合集成分析,进而对现有的商业模式进行优化调整.应用本文提出的模型进行案例研究,集成分析结果得出蚂蚁金服的商业模式优于传统金融的商业模式,希望给互联网金融企业和传统金融企业的发展提供新的思路和管理启示.

PNMP-CET@I: A new analytical method for studying business model with a case study of Ant Finance

This paper considers that business model innovation is an iterative design process of the adjustments. A comprehensive feedback analysis model named PNMP-CET@I is proposed based on the iceberg theory and CET@I methodology for business model studies. PNMP-CET@I model takes into account several kinds of environmental factors and then optimizes the existing business model via an integrated analysis. The integrated analysis results show that the business model of Ant Finance is superior to the traditional financial business model. Some new ideas and management inspiration to the development of internet financial enterprises and traditional financial enterprises are presented.