 Building

an E-commerce Site: A Systematic

Approach
 Developing a Mobile Web Site and Building
Mobile Applications
 E-commerce Payment Systems
 Digital Cash and Virtual Currencies
Building an E-commerce Site:
A Systematic Approach
Simple vs. Multi-tiered Web Site
Architecture
 Single-tier architecture implies putting all of the required
components for a software application (both the backend
and the frontend) on just one server. It is handy to
manage and maintain and, of course, a Single-Tier
deployment is cost-effective.
The typical architecture of a Bitnami
Single-Tier Solution looks like this:
Simple vs. Multi-tiered Web Site
Architecture
 Multi-tier architecture splits data access across more than one server. Having
all the resources spread into different servers boosts your deployment
performance. Having different layers for different resources implies adding an
extra security layer by separating data from code. In those applications that
include replication, the database can be replicated across more than one
server which prevents the loss of data in case of cluster failure.
 This architecture also provides high scalability and failover: you can add as
many nodes as you need to increase the capacity of your cluster. This way,
the workload is also decentralized ensuring that when a node is down, the
rest of the deployment is working.
Multi-tiered Web Site Architecture
Bitnami Multi-Tier solutions features and
benefits
 HIGH PERFORMANCE
 Extended workloads into different servers provide better performance of the
deployments.
 Ability to add capacity by increasing the number of nodes in the cluster.
 HIGH AVAILABILITY / FAILOVER
 Fault-tolerance: if a node is down the cluster can continue working.
 REPLICATION
 Replica set is configured by default in those solutions where replication is a must.
Bitnami Multi-Tier solutions features and
benefits
 SECURITY
 Improved security and access control by separating data from code.
 Configured to work on a Virtual Private Cloud (VPC).
 Authentication configured for external access in most solutions.
 OTHER PRODUCTION CONFIGURATION FEATURES
 Log rotation and system monitoring for servers.
 Kernel settings and the right disk type for optimal performance are configured by
default.
 Developing a Mobile
Web Site and Building
Mobile Applications
Mobile Apps and E-Commerce
Businesses
 According to a report published by Statista, “shopping”
tops the list of the fastest growing mobile app categories
based on consumer time spent in 2017.
 one of the best ways to interact and engage with online
shopper
 help to provide multi-device and multi-channel experience
for your e-commerce business.
Benefits Mobile Apps Bring to Your
E-Commerce Business
 Deeper analytics - provides you with deep analytical reports that
elaborate on user information as well as their shopping decisions
which helps in refining your marketing strategies and improving
business tactics.
 Amazing features - apps for e-commerce are specifically equipped
with customized features that engage users which in turn, aids in
growing customer interest and accelerates business revenue.
Benefits Mobile Apps Bring to Your
E-Commerce Business
 Multi-layer security plan - Mobile applications must be highly secure
and minimize the risk of cyber attacks. They help build customer
trust with multi-layer security features.
 Reduced complexity - Mobile apps provide a user-friendly experience
with rich-features
 More interactive - Intuitive and beautiful UX/UI design make your
mobile apps more interactive. This helps you with prolonged usage for
prospective shoppers that increases their chance to shop more.
E-commerce Payment
Systems
Alternative Online Payment Systems
Alternative Online Payment Systems

 Smart Money
 It offers a web-based payment service for merchants to accept payments. Regular
consumers must have a Smart SIM. The user will then have a designated account
number that gives them the capability to purchase online. It’s linked to MasterCard,
which means any payment from the ewallet will be equivalent to a credit card
payment. On top of that, an SMS notification will be sent to the user when the account
is used for any transactions.
 Apart from online purchases, it also allows users to pay bills and top up their phone
credits using their ewallet balance.
 Fees: Users are charged a one-time fee of Php 120 (US$2.71) upon applying for the
Smart Money account, and will be charged an additional Php 2.50 (US$0.06) for every
online purchase and credit top-up.
Alternative Online Payment Systems

 GCash
 GCash, telco Globe’s counterpart to Smart Money, is also being used by online
sellers and shoppers, and other payment gateways. Users likewise have to
own a Globe SIM. By activating a GCash account, users just have to put in
their mobile number linked to their GCash account on the designated
ecommerce site, and the balance will deducted from the wallet. It also uses
an SMS notification feature that informs the user of transactions.
 It also offers bill payment and phone credit top up directly from ewallets.
 Fees: GCash users are billed Php 50 (US$1.13) every month.
Alternative Online Payment Systems

 Dragon Pay
 Payment gateway DragonPay launched in 2010 during the height of daily deals
in the Philippines, aiming to offer alternative payment methods for
ecommerce sites in the Philippines. To date, DragonPay has hundreds of
merchants using the payment system in the areas of daily deals, retail,
travel, and other online stores.
 Payment options: By integrating DragonPay’s payment system in an
ecommerce site, its customers can pay online (via banks or PayPal) or over-
the-counter (through over 10 partner banks and brick-and-mortar payment
centers).
Alternative Online Payment Systems

 JuanPay
 A Cebu-based startup which launched in 2013, JuanPay, also offers an
alternative payment method for ecommerce merchants in the Philippines by
integrating its software on their websites. Smaller scale sellers on Facebook
and Instagram can also coordinate with JuanPay’s support team to have
accept payments using JuanPay’s payment system.
 Payment options: JuanPay allows credit card payments and online and over-
the-counter deposits from 10 banks, as well as e-wallet payments through
GCash and Smart Money.
Alternative Online Payment Systems

 PesoAPay
 PesoPay is a service by e-payment service provider AsiaPay, which focuses on
providing payment options for merchants and consumers in the Philippines.
Similar to other payment gateways, its payment system can easily be
integrated to the site.
 Payment options: It accepts payments via credit cards (such as Visa,
Mastercard and JCB), online bank transfer payments through ATM consortium
Bancnet, over-the-counter payments through banks (RCBC and BDO), non-
bank payment partners such as pawnshops and other brick-and-mortar shops,
and PayPal.
Alternative Online Payment Systems

 PayEasy
 One of the services provided by internet-based services company Mozcom is
PayEasy, which also integrates it payment system into ecommerce sites’
shopping carts.
 Payment options: PayEasy accepts payments via PayPal, major credit cards
(Visa, MasterCard, American Express, JCB), online payments through ATM
consortia BancNet and MegaLink, ewallets (Globe G-Cash and Smart Money)
and direct debit from different global banks. It also uses DragonPay’s online
and over-the-counter payments.
Alternative Online Payment Systems

 MOLPay
 Malaysia-based payment company Money Online (MOL) is an online payment platform
for games throughout Asia. In addition to this, it also gives merchants more options to
accept payments through its local partnerships with different countries in Southeast
Asia – Malaysia, Singapore, Philippines, Thailand, China, Indonesia and Vietnam.
 Payment options: In the Philippines, MOLPay lets its merchants’ customers pay online
through its partnership with local gateways DragonPay and Pay Easy, together with ATM
consortia Bancnet, Megalink and, other partner banks (BDO, Chinabank, East West,
UCPB). It also accepts in-store payments through payment centers such as 7 Connect,
Cebuana Lhuillier, Western Union, and GCash.
Alternative Online Payment Systems

 WeePay
 WeePay is another recent addition to the list of payment gateway startups in
the Philippines. The payment company is a subsidiary of brokerage company
Accord Capital Equities
 Apart from the online payment service, it can also integrate a shopping cart
look-and-feel to ecommerce sites. For brick-and-mortar stores, it offers on-
site payments via its WeePOS terminals.
 Payment options: It accepts online payments from all the banks accredited
under ATM consortia Bancnet and Megalink along with ewallet payments via
GCash.
Alternative Online Payment Systems

 7 Connect
 The huge convenience store franchise 7 Eleven has likewise jumped into
offering payment options for merchants and consumers in a few Asian
countries. This service is available in the Philippines and is already being
utilized by some online sellers.
 Payment options: The online aspect to it will be most beneficial to
ecommerce sites that have have the 7 Connect option on their websites.
Customers go to any 7 Eleven branch to pay. Customers who don’t have
access to credit cards will can use this as a way to make purchases online.
Alternative Online Payment Systems

 Coins.ph
 The cryptocurrency Bitcoin has become a new way to send money anywhere,
including merchants.
 In the Philippines, Bitcoin trading platform Coins.ph has also created a
payment service for ecommerce sites in the country. It jumpstarted the
service by offering the Bitcoin payment service to top daily deal sites
Metrodeal and CashCashPinoy.
 Payment options: To pay using Bitcoin, a user needs a bitcoin wallet to send
the funds from. Upon purchase through these sites, a QR code of the Bitcoin
address is displayed for the user to process the payment using their bitcoin
wallet.
Digital Cash and Virtual
Currencies
Digital currencies

 Digital currency is the blanket term used to describe all electronic money,
that includes both virtual currency and cryptocurrency. It can be regulated or
unregulated.
 It’s only available in digital or electronic form and unlike a dollar bill or a
coin, it’s intangible. Digital currencies, which can only be owned and spent
using electronic wallets or designated connected networks, are also
commonly called digital money, or cyber cash.
 it doesn’t operate on a blockchain, it’s used online, and its intended use is to
transfer funds between the financial giant and its clients.
Virtual currencies

 Virtual currencies are a type of digital currency, typically controlled by its

creators and used and accepted among the members of a specific virtual
community
 all virtual currencies are digital (they exist online only), but not all digital
currencies are virtual, because they exist outside a specific virtual
environment.
 Essentially, virtual currency is a representation of monetary value issued,
managed, and controlled by private issuers for the transaction of peer-to-
peer payments. They are sometimes represented in terms of tokens and may
be unregulated without a legal tender such as coins or banknotes.
 Cryptocurrencies such as Bitcoin and Ethereum are considered to be virtual
currencies.
Cryptocurrencies

 The ‘crypto’ in ‘cryptocurrency‘ refers to the fact that many encryption

algorithms and cryptographic techniques are used to ensure security across
the network. This level of security also makes cryptocurrencies hard to
counterfeit.
 Many cryptocurrencies operate as blockchain-based decentralized systems
without the need for a trusted third-party such as a central bank, or credit
card company. In this instance, peer-to-peer transfers are facilitated through
the use of private and public keys.
 Bitcoin is undoubtedly the most well-known – and most widely used –
blockchain-based cryptocurrency. It’s also the most valuable, currently sitting
at $3,821 per coin.
Summary on Digital and Virtual
Currencies
 Digital currency is the blanket term used to refer to money that exists solely
in the digital space. Virtual currencies and cryptocurrencies are digital
currencies because they exist online.
 Virtual currencies are a form of digital currency available in the virtual world
(think of exclusive online communities created by developers).
 Cryptocurrencies are digital currencies because they exist online, but they
are also virtual currencies created with cryptographic algorithms.
References

 https://www.practicalecommerce.com/a-disciplined-approach-to-marketing
-an-ecommerce-business
 https://acowebs.com/impact-ecommerce-society/
 https://www.grin.com/document/280494
 https://digitalmarketinginstitute.com/blog/what-are-the-benefits-of-e-comm
erce-to-your-business
 https://ecommerce-platforms.com/glossary/ecommerce
 https://ecommerceguide.com/guides/what-is-ecommerce/#platforms
 https://en.wikipedia.org/wiki/E-commerce
Thank you.