辅导案例-COMP3760/6760-Assignment 1

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Department of Computing

Semester 2, 2020

COMP3760/6760: Enterprise Systems Integration

Assignment 1 (10% of the semester)


eCommerce/eBusiness and ePayments




Dr. Peter Busch




Due 11:55 pm Tuesday - 18th August, 2020




COMP3760/6760 Assignment 1 Semester 2, 2020

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A 700 word report on the following topic.

“Our performance reaffirms our product’s utility to consumers looking for a smarter way
to budget their personal finances and the overall market shift to e-commerce.” Nearly 100
per cent of Sezzle’s transactions occur via e-commerce, making the company
“well-positioned” for the increasing online retail trend. “Our strong performance in the
second quarter is reflective of an improving consumer profile combined with an
accelerated adoption of e-commerce due to the pandemic,” Mr Youakim said. “The
undercurrent of organic growth that we are experiencing is exciting to see as our business
matures” (source: appendix 1).

There has clearly been a trend toward online payment for the last couple of decades. Enterprise
systems integration (i.e. COMP3760/6760) is concerned with both the business and technology
principles behind eBusiness/eCommerce - including online payment systems.

For this assignment:

- discuss examples of online payments, focusing on the history of such payment systems and/or
- the ePayment issues businesses need to consider when conducting eCommerce/eBusiness.



1. Use academic writing approaches (see appendix 2)
2. There ‘should’ be 3-4 references in your reference list which you have drawn upon to write the report
(again see appendix 2).1 2
3. About 100 words each for your introduction and conclusion, means the main body of the assignment is
about 500 words (examples of ePayments and issues relating to eCommerce, eBusiness etc.).


Deliverable and submission
Soft copy only

1. One PDF document (PDF only) submitted on iLearn.


DATE DUE: 11.55 pm, Tuesday 18th August - Week 4

References
Chaffey, D., (2015) Digital Business and e-Commerce Management: Strategy, Implementation and Practice
Pearson Harlow U.K.
Papazoglou, M., (2012) Web Services & SOA: Principles and Technology 2nd ed. Pearson U.K.
Papazoglou, M., Georgakapoulos, G., (2003) “Introduction to the Special Issue about Service-Oriented
Computing” Communications of the ACM 46(10) October pp: 24-28.
Papazoglou, M., Ribbers, P., (2006) e-Business: Organizational and Technical Foundations John Wiley &
Sons Ltd. Chichester West Sussex U.K.
Other references you find (e.g. the library databases).


1
Hint – consult https://www.mq.edu.au/about/campus-services-and-facilities/library#tab-4-databases – using subject areas such as
‘computing’ or ‘business’ to find relevant papers.
2
And of course you may use the two references provided in appendix 1 if you wish!
COMP3760/6760 Assignment 1 Semester 2, 2020

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Appendix 1

Sezzle thrives in the pandemic

7th July 2020

(source: Bailey, S., (2020) “Sezzle thrives in the pandemic” The Australian Newspaper https://www.theaustralian.
com.au/business/financial-services/sezzle-thrives-in-the-pandemic/news-story/918465682a454a1ed2374b9674
5b3b60 published: 7/7/20).

Founders of buy now, pay later company Sezzle (L-R) CEO Charlie Youakim and Chief Revenue Officer Paul Paradis.

Shares in Sezzle shot up nearly 25 per cent on Tuesday after the buy-now, pay-later platform told the market it’s poised to
capitalise from its pivot to e-commerce in North America as the shutdown resulting from the COVID-19 pandemic
continues. Active consumers using the platform jumped 28 per cent to 1.48 million for the quarter to June 30, while active
merchants jumped 27 per cent compared to the prior quarter, Sezzle said in a quarterly update to the ASX.

The Afterpay competitor said it now expects underlying merchant sales to reach an annualised pace of $US1bn ($1.43bn)
by the end of 2020. “In these uncertain times, we are fortunate to announce record quarter two results across a number of
our key metrics,” executive chairman and chief executive Charlie Youakim said. “Our performance reaffirms our
product’s utility to consumers looking for a smarter way to budget their personal finances and the overall market shift to
e-commerce.” Nearly 100 per cent of Sezzle’s transactions occur via e-commerce, making the company
“well-positioned” for the increasing online retail trend. “Our strong performance in the second quarter is reflective of an
improving consumer profile combined with an accelerated adoption of e-commerce due to the pandemic,” Mr Youakim
said. “The undercurrent of organic growth that we are experiencing is exciting to see as our business matures.”

Sezzle shares surged 24.6 per cent to $5.07 each on Tuesday, following the announcement. Royal Bank of Canada analyst
Tim Piper said that the flagged underlying merchant sales figure of an annualised pace of $US1bn by the end of this
calendar year was ahead of the bank’s estimates. “Sezzle appears to be tracking ahead of our expectations as current
structural tailwinds benefit, while there remains the possibility of a further stimulus package in the US, which would
likely again bolster short-term consumer spending,” he said in a note to clients. “We have seen strong trends in app
download data and other lead indicators and believe the update well represents early trends.” The company last year made
what was seen as an unusual decision for a US outfit to list on the ASX. In March, the group said it would double down on
merchant fees and branding in a bid to fend off rival Afterpay, which is revving up its own US expansion. Of the fees
Sezzle charges, more than 80 per cent of them are to merchants. The company has also recently undertaken a brand
overhaul in an attempt to align itself with the values of Generation Z and Millennials, in an attempt to differentiate itself
from Afterpay.
COMP3760/6760 Assignment 1 Semester 2, 2020

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Samantha Bailey - Business Reporter

Samantha Bailey (nee Woodhill) is a business reporter. Prior to joining The Australian, she worked as a digital journalist
and producer for Sky News, and as editor of a legal trade magazine. She has a Masters in Journalism from UTS.





Sezzle’s star rising in buy now, pay later land grab

11th July 2020

(source: Griffith, C., Yeo, M., (2020) “Sezzle’s star rising in buy now, pay later land grab” The Australian Newspaper
https://www.theaustralian.com.au/business/technology/sezzles-star-rising-but-balanced-on-economy/news-stor
y/33976231ed36308ce7e727d37d89445a published: 7/7/20)


Sezzle has emerged as the new star of Australia’s fast-growing “buy now, pay later” players, but the white-hot run of the
tech sector threatens to be derailed by the stalling of consumer spending habits. Sezzle is the latest to tap the market, on
Friday launching an $87m placement and share purchase plan after its shares soared to record highs of $6.95 — a surge of
almost 800 per cent since April 1, with the payments company yet to turn a profit. The recent price surge also compared to
COMP3760/6760 Assignment 1 Semester 2, 2020

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the $1.22 IPO price in July last year. If Afterpay’s recent oversubscribed $650m institutional placement, or the other three
BNPL equity raisings in the past three months, are anything to go by, the Australian-listed, Minneapolis-based Sezzle will
have little to worry about. The $5 floor price for its bookbuild represents a 28 per cent discount to the stock’s last trading
price. The majority of Sezzle stock is owned in house, with co-founder and chief executive Charlie Youakim owning
49.55 per cent (which at current prices is worth $586m), while fellow co-founder and company president Paul Paradis
owns a 5.6 per cent, which is valued at $66m.

Youakim is an engineer and software developer who before Sezzle built a parking and transit mobile payments company
in Minneapolis called Passport. That was in 2010. Paradis has more than 10 years of sales, marketing and operations
experience, working in the payments, management consulting, medical device and entertainment industries. A large share
of the Sezzle placement proceeds have been slated for sales and marketing, as the firm jostles for market share in an
increasingly crowded sector. But competition is rising — this week credit card giant American Express joined the BNPL
fold, announcing its new Plan It feature that allows credit card holders to choose up to 10 purchases of $100 or more to
combine into a payment plan with a fixed monthly fee. At the same time, global payments giant Visa last year said it was
planning its own “buy now, pay later” service. As Afterpay has itself become a verb, so too is Sezzle pushing for
consumers to “Sezzle it”. Still, there’s no shortage of backers for BNPL, which targets millennials’ aversion to credit
cards and proclivity to spend no matter the economic circumstances.

While the sector is riding high, consumer experts warn that the market for “buy now, pay later” services could drastically
soften with changing economic circumstances. “(The services) are no less susceptible to an economic downturn than
merchandise itself, so once people buy less, then they will also use these services less,” said Kai Riemer from the
University of Sydney Business School. “In the short term, if people are pressed for cash in the pandemic, they (the
companies) might actually benefit from the current situation. There’s no guarantee in the middle or long term that they
might do well.” He said the termination of government payments such as JobKeeper may pose a problem, but Bell
Direct’s Jess Amir pointed out that not all instalment services were created equal. Across the six ASX-listed services,
including Zip, Openpay, FlexiGroup and Splitit, she notes that there are a broad spread of product offerings. “The rapid
growth trajectory of the BNPL sector is expected to continue, snatching market share from credit cards and PayPal,” Amir
said. “Lockdowns and the shift to online shopping is a huge tailwind, but with reward there is of course risk, with the
underlying credit profile of the users of their services. “Still, Afterpay’s recent capital raising will be enough to cover bad
debts. Keep in mind Afterpay has a very small bad and doubtful debt provision, given the service is not used on big-ticket
items, whereas Zip and Splitit are prone to more risk, given customers are able to splurge on larger items.”

Of Sezzle’s raising outlined on Friday, $11.5m is to be used to bolster the group’s balance sheet, including costs for
potential debt facility refinancing and to increase cash reserves. Lead manager of Sezzle’s raising, Ord Minnett, says it
has increased the company’s revenue estimates by 8-16 per cent and its valuation to $5.95 a share. “Sezzle is highly
exposed to the rapid increase in market share for e-commerce, and its recent growth numbers highlight this, along with
first-rate execution,” the brokerage said in a note to clients. RBC’s Tim Piper has an outperform rating on the stock,
highlighting its focus on product innovation with Sezzle Up, Sezzle Spend and Sezzle Anywhere products due to roll out
in coming months. “The raising provides additional capital to accelerate growth in Sezzle’s key markets,” he said. “Our
forecasts on profitability is not until 2023, which may see upside risk if loss rates continue current trajectories, and/or
operational expenditure growth comes in lower than RBC estimates.” The question of value and profitability in the sector
is one that has plagued many an investor, as even the $20bn Afterpay is yet to notch a profit.



Chris Griffith - Technology Reporter
Sydney

COMP3760/6760 Assignment 1 Semester 2, 2020

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Chris Griffith is one of Australia's most experienced technology reporters, with an involvement in the computer industry
spanning almost 50 years. He learned to program in the late 1960s, studied computer science in the early 70s, worked on
mainframes, taught programming, and ran a business networking PCs in the 80s. In journalism, he has worked in print,
radio and television, been a columnist and commentator, and is an award winning feature writer. Apart from being The
Australian's senior technology reporter, he discusses technology trends weekly on Sky Business channel's TECH.biz
program.





Melissa Yeo - Markets Reporter
Sydney

Melissa Yeo is a markets reporter. Prior to joining The Australian, she worked as a digital journalist covering small cap
stocks for Stockhead, and as a rural reporter in Queensland.


COMP3760/6760 Assignment 1 Semester 2, 2020

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Appendix 2

Writing at university level means academic writing. Academic writing is not like writing a novel. Informal writing
styles are not encouraged. You are required to substantiate what you write/say in your academic and professional
lives. It is only in rare instances where you will be permitted to write works of fiction at university, it is also for similar
reasons that the first person singular (I feel, I think, I did, My feeling is …), is generally to be avoided in writing
university assignments (there are some exceptions to this rule, for example law faculties often adopt the
first-person-singular in their writing style).

As insulting as this may seem, as a student you are not considered to be an expert at anything (that usually comes with
the title Dr. and then later Professor). The point is you need to state the source of your information in assignments.
Furthermore it is generally considered politically-correct to avoid gender-specific writing styles; in other words don’t
refer to authors/people/whoever as he, unless they actually are male - examine the link at the foot of the page.3

For the purposes of this assignment, we will use the Harvard referencing style, although if you are comfortable with
footnoting, please do so.

Citing vs. quoting

1. Where an idea is ‘adopted/adapted’ from an author but restated in your words one uses citing as a means of
establishing where the information was derived from. For example

…… Smith (1990) was inclined to believe that … blah blah blah, … (where blah blah blah are your words,
but the author’s ideas). No page number needs to be included for citing authors (but you must include the
author’s surname, and date of publication of the reference where you have derived the information from).

No, you cannot cite your friends (or lecture/tutorial/practical material).

2. Where the words have simply been lifted/copied directly by you, is referred to as quoting someone. For
example ….. it was felt that “of all the database schemas, the object relational approach is …..” (Zhang,
1990 p. 53). In this case quotation marks are used as well as a page number stating where the
information directly came from.

Where you have quote that is longer than say 20 words, you indent these as a separate paragraph from the main
body of your text and you single space the block quote, like so

When faced with a small problem domain, system development can be all about modeling of user
functional requirements. However, when faced with a large problem domain, such as with an
enterprise information system, system development must recognize the demands placed on it by the
non-functional system qualities. The quality of interest in this paper is supportability (Maciaszek and
Liong, 2003; Maciaszek et al., 2004). Supportability is really the combination of three qualities –
understandability, maintainability and scalability. An unsupportable system is a legacy system
(Maciaszek, 2005 p. 17).

…. Note, no quote marks are necessary, but you still include author surname, year of publication and page
number.

You do not need to italicise block quotes (or normal quotes for that matter).

Lecture notes/course notes DO NOT count as references!! These are not to be referred to in written
assignments/reports (this is considered amateur-ish).

Report structure

The word processed report will include

- table of contents
- sub-titles

3
http://www.uq.edu.au/about/non-discriminatory-language (MQ used to have a set of guidelines too, however I cannot find a link).
COMP3760/6760 Assignment 1 Semester 2, 2020

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- list of references OR bibliography4

The assignment should be space and a half or double-spaced.

The reference list or bibliography should be single-spaced.

Your paragraphs may either be left-aligned or justified.


Bibliography/Reference list

The minimum level of detail for each book/journal reference used in either a list of references or bibliography is as
follows.

For a book:

Busch, P., (2008) Tacit Knowledge in Organizational Learning IGI-Global Hershey Pennsylvania U.S.A.

For a journal article/conference paper:

Venkitachalam, K., Busch, P., (2012) "Tacit Knowledge: Review and Possible Research Directions" Journal of
Knowledge Management 16(2) pp: 357-372.
For electronic publications (e.g. ones from the internet):

Busch, P., (2006) "Organisation Design and Tacit Knowledge Transferal: An Examination of Three IT Firms"
Journal of Knowledge Management Practice 7(2) URL: http://www.tlainc.com/
articl111.htm (accessed 12/7/20).
At the end of your assignment, you simply place all types of references together in alphabetical order of author
surname. You do not list them separately by book, conference paper and electronic publication.

Marking Rubric

Developing
(Borderline Fail-Pass)
Functional
(Pass)
Proficient
(Credit)
Advanced
(Distinction-High
Distinction)
Writing and
Analysis
Perhaps 1 or more
references, but little
cohesion in writing. No
link between one
concept to the next.
References lacking at
the end of the
assignment.
Perhaps 2-4 sources
considered, basic
presentation of concepts
but lacking good
synthesis of arguments.
Good range of literature
consulted (3-4+
references). Case well
argued. Some flaws in
analysis.
Excellent understanding
of the concepts with very
sound synthesis of the
literature (typically 6+
references cited/quoted).



4
A list of references includes just those specific references you cited and/or quoted from, whereas a bibliography includes the
references as well as any other texts (electronic or paper) you may have used in producing the assignment (e.g. you may have
looked up a word in a dictionary).
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