take-up — ˈtake up noun [uncountable] MARKETING the rate at which people buy or accept something offered by a company, government etc: • The bank has not announced targets but it will need high take up rates to justify its investment. * * * take up UK US… … Financial and business terms
take-up rate — noun The number of people, as a percentage of the total number eligible, who claim a benefit to which they are entitled or who accept an offer • • • Main Entry: ↑take … Useful english dictionary
rate tart — noun (informal) A person who frequently moves money between different savings accounts in order to take advantage of the most favourable rates of interest. • • • Main Entry: ↑rate … Useful english dictionary
take up — vt to absorb or incorporate into itself <the rate at which the cells took up glucose> take up n … Medical dictionary
take-up — n [U] BrE the rate at which people accept something that is offered to them ▪ Take up for college places has been slow … Dictionary of contemporary English
take the pulse of — take (or feel) the pulse of determine the heart rate of (someone) by feeling and timing the pulsation of an artery a nurse came in and took his pulse ■ figurative ascertain the general mood or opinion of he hopped around the country to visit… … Useful english dictionary
Rate of profit — In economics and finance, the profit rate is the relative profitability of an investment project, of a capitalist enterprise, or of the capitalist economy as a whole. It is similar to the concept of the rate of return on investment. In Marxian… … Wikipedia
Rate equation — The rate law or rate equation for a chemical reaction is an equation that links the reaction rate with concentrations or pressures of reactants and constant parameters (normally rate coefficients and partial reaction orders).[1] To determine the… … Wikipedia
Rate of return — In finance, rate of return (ROR), also known as return on investment (ROI), rate of profit or sometimes just return, is the ratio of money gained or lost (whether realized or unrealized) on an investment relative to the amount of money invested.… … Wikipedia
Маркетплейсы — как много в этом слове! Несмотря на то, что маркетплейсы существуют уже несколько десятилетий, ежегодно появляются сотни новых проектов, пытающихся «закрыть» отдельные ниши. Конкуренция усиливается, fail rate растет, а значит, подходить к такому бизнесу сейчас надо максимально серьезно.
Давайте разберемся, что отличает маркетплейс, который выжил (Топ-100 маркетплейсов можете найти в этой статье), от маркетплейса, который пал смертью храбрых.
Не открою Америку, если скажу, что основной особенностью маркетплейсов является наличие двух взаимозависимых сторон — покупателей и поставщиков, спроса и предложения соответственно. Выживаемость маркетплейсов на ранних стадиях — это особый вид искусства, потому что без спроса сложно удержать поставщиков, а без предложения невозможно привлечь покупателей.
В итоге изначально все сводится к убеждению поставщиков, что “вот-вот спрос появится и начнет расти”, и, в случае успеха в этом, к попытке быстро привести на платформу покупателей. Основная часть маркетплейсов гибнет именно на этой стадии.
Если набрать первичную базу покупателей и поставщиков все же удалось и они начали проводить транзакции, наступает время для глубокого анализа. Бизнес маркетплейсов как никакой другой зависит от метрик, в том числе достаточно специфических. Не буду повторяться по поводу базовых метрик (о них вы можете почитать в этом и этом материалах), остановлюсь на более узких.
A take rate is the fee charged by a marketplace on a transaction performed by a third-party seller or service provider. The take rate is a determining factor in a marketplace’s revenue as reported on its income statement: Take rate * GMV (gross merchandise volume) = revenue.
Take rates usually vary between 5-20% for product marketplaces like Amazon or eBay whereas service marketplaces like Uber or Airbnb usually charge a higher rate between 15-25%. See below for a list of take rates by leading marketplace businesses.
The average order size and transaction frequency also are a factor. Platforms that facilitate frequent, lower-cost transactions tend to charge a lower take rate, like Uber.While platforms that facilitate infrequent, high-cost transactions, like Airbnb, charge a lower take rate on a higher order value.
Take rate and GMV are unique to marketplace and platform business models. Retailers like Walmart or service providers like a cleaning service would report on revenue and profit. The profit margin was very low because the revenue represented the total throughput through one of Walmart’s stores. To accurately measure total throughput on Amazon, GMV is the appropriate metric to monitor, not revenue. Amazon’s revenue from third-party sellers is a function of its GMV and take rate. Linear businesses don’t need to consider a take rate, because they don’t facilitate third party transactions.
A transaction performed by a third party is unique to a platform business model, particularly product and service marketplaces which facilitate transactions on behalf of third-party sellers or third party service providers. The take rate can vary based upon the service or product offering. For example, Amazon charges different take rates based upon the type of product being sold like electronics or household goods.
Product Marketplace Take Rates
The marketplaces listed below are consumer facing, B2C, and therefore charge a higher take rate since the average price of the transaction is lower than a B2B transaction.
You’ll also notice that many marketplaces have a hybrid revenue approach: both take rate revenue derived from third-party sellers and linear revenue. Linear revenue is traditional revenue derived from reselling products that are held on balance sheet as well as the marketplace creating its own branded product line. The former CEO of eBay famously hit back at Amazon Founder, Jeff Bezos, on Twitter for Amazon being conflicted in its treatment of third-party sellers when he said “We [eBay] don’t compete with our sellers. We don’t bundle endless services to create barriers to competition.”
Here are a few B2B marketplaces and their respective take rates. Because the average order size is much higher than in B2C, you tend to see lower take rates.
Marketplace
Take Rate
Linear Revenue?
Link to Pricing
Amazon Business
$39.99/mo + 8-20%
Yes
sell.amazon.com/pricing.html
Faire
15-25%
No
www.faire.com/support/articles/360015893392
Service Marketplace Take Rates
Service marketplaces facilitate the exchange of services like ridesharing, food delivery, handyman services, cleaning services and booking a vacation or apartment.
Service marketplaces with lower average transaction size like ridesharing or food delivery tend to have higher take rates than product marketplaces because of lossage, in-person transaction risk, and human error. If a mistake is made on a product marketplace, the product can be returned without the marketplace bearing too much cost. On a service marketplace, if a mistake occurs, the cost to remedy the situation is usually much more costly to the marketplace.
Now that you have an understanding of take rates and how they work. The next question is who pays the take rate? Marketplaces have two customers: the consumer and the producer (third-party seller or service provider).
On Airbnb, for example, both the consumer and producer pay a take rate to the marketplace. On Uber, the producer pays the full price of the take rate to the marketplace. On Amazon, same thing, the third-party seller is charged the take rate and not the consumer.
Charging the seller is most common. However, in an industry like short-term rentals, charging both sides of the transaction was already the norm, so Airbnb was able to get away with its dual take rate and charge both consumers and producers/
A take rate is the fee charged by a marketplace on a transaction performed by a third-party seller or service provider. The take rate is a determining factor in a marketplace’s revenue as reported on its income statement: Take rate * GMV (gross merchandise volume) = revenue.
Take rates usually vary between 5-20% for product marketplaces like Amazon or eBay whereas service marketplaces like Uber or Airbnb usually charge a higher rate between 15-25%. See below for a list of take rates by leading marketplace businesses.
The average order size and transaction frequency also are a factor. Platforms that facilitate frequent, lower-cost transactions tend to charge a lower take rate, like Uber.While platforms that facilitate infrequent, high-cost transactions, like Airbnb, charge a lower take rate on a higher order value.
Take rate and GMV are unique to marketplace and platform business models. Retailers like Walmart or service providers like a cleaning service would report on revenue and profit. The profit margin was very low because the revenue represented the total throughput through one of Walmart’s stores. To accurately measure total throughput on Amazon, GMV is the appropriate metric to monitor, not revenue. Amazon’s revenue from third-party sellers is a function of its GMV and take rate. Linear businesses don’t need to consider a take rate, because they don’t facilitate third party transactions.
A transaction performed by a third party is unique to a platform business model, particularly product and service marketplaces which facilitate transactions on behalf of third-party sellers or third party service providers. The take rate can vary based upon the service or product offering. For example, Amazon charges different take rates based upon the type of product being sold like electronics or household goods.
Product Marketplace Take Rates
The marketplaces listed below are consumer facing, B2C, and therefore charge a higher take rate since the average price of the transaction is lower than a B2B transaction.
You’ll also notice that many marketplaces have a hybrid revenue approach: both take rate revenue derived from third-party sellers and linear revenue. Linear revenue is traditional revenue derived from reselling products that are held on balance sheet as well as the marketplace creating its own branded product line. The former CEO of eBay famously hit back at Amazon Founder, Jeff Bezos, on Twitter for Amazon being conflicted in its treatment of third-party sellers when he said “We [eBay] don’t compete with our sellers. We don’t bundle endless services to create barriers to competition.”
Here are a few B2B marketplaces and their respective take rates. Because the average order size is much higher than in B2C, you tend to see lower take rates.
Marketplace
Take Rate
Linear Revenue?
Link to Pricing
Amazon Business
$39.99/mo + 8-20%
Yes
sell.amazon.com/pricing.html
Faire
15-25%
No
www.faire.com/support/articles/360015893392
Service Marketplace Take Rates
Service marketplaces facilitate the exchange of services like ridesharing, food delivery, handyman services, cleaning services and booking a vacation or apartment.
Service marketplaces with lower average transaction size like ridesharing or food delivery tend to have higher take rates than product marketplaces because of lossage, in-person transaction risk, and human error. If a mistake is made on a product marketplace, the product can be returned without the marketplace bearing too much cost. On a service marketplace, if a mistake occurs, the cost to remedy the situation is usually much more costly to the marketplace.
Now that you have an understanding of take rates and how they work. The next question is who pays the take rate? Marketplaces have two customers: the consumer and the producer (third-party seller or service provider).
On Airbnb, for example, both the consumer and producer pay a take rate to the marketplace. On Uber, the producer pays the full price of the take rate to the marketplace. On Amazon, same thing, the third-party seller is charged the take rate and not the consumer.
Charging the seller is most common. However, in an industry like short-term rentals, charging both sides of the transaction was already the norm, so Airbnb was able to get away with its dual take rate and charge both consumers and producers/
Только 30% россиян берут кредит по заявкам, уже одобренным банками
Потенциальные клиенты банков не спешат заключать кредитные договоры – лишь каждый третий гражданин, получивший одобрение по ранее поданной заявке, оформляет ссуду. Именно к такому выводу пришли аналитики БКИ «Эквифакс», выводы поддержали и представители банков, указав, что на фоне коронавируса число отказов клиентов от будущего сотрудничества только увеличилось. Финальные условия, предлагаемые банками, устроили только 31,9% заемщиков, остальные – не торопятся завершать оформление кредита.
Что характеризует показатель take rate в сфере кредитования?
Take rate – это число выданных кредитов по отношению к общему количеству поданных заявок, выраженное в процентах. В 2020 году этот показатель заметно просел – россияне не спешат получать займы даже в том случае, если банк принял положительное решение. Так, в годовом выражении take rate снизился почти на 14% (годом ранее 45% лиц, получивших одобрение, заключали договор). В мае коэффициент опустился до рекордных 29%, а уже летом стал восстанавливаться, хотя достичь прежних значений так и не удалось.
В расчете коэффициента участвуют заявки, которые клиенты подали самостоятельно. Если же банк предварительно одобрил кредит и предлагает деньги (в личном кабинете или по телефону), а потенциальный заемщик отказывается от сотрудничества, эти ссуды в расчет не берутся.
Чем обусловлено нежелание граждан брать кредиты по одобренным заявкам?
Аналитики уверены, что в просадке take rate в текущем году нет ничего удивительного – негативной динамике способствовало сразу несколько факторов:
«Некоторые россияне на фоне кризиса подавали заявку на перспективу – они хотели убедиться, что в случае ухудшения материального положения смогут рассчитывать на помощь, хотя сейчас в заемных средствах и не нуждаются», – полагает эксперт.
На фоне ухудшившейся эпидемиологической обстановки большинство банков максимизировали выдачу кредитов онлайн – заполнить заявку, загрузить фото паспорта и получить деньги можно дистанционно, не посещая отделение.
Как изменится поведение россиян на кредитном рынке в будущем?
Снижение числа граждан, оформивших заявку и получивших одобрение, но не взявших кредит, зафиксировали в нескольких финансовых учреждениях. О такой динамике рассказали представители Райффайзенбанк, ВТБ, «Санкт-Петербург», «Зенит», Московский кредитный банк. Однако уже к концу года эксперты ожидают повышения конверсии – для необеспеченных ссуд показатель может вырасти до 35%.
Привлечь клиентов банки смогут только одним способом – повышением конкурентоспособности, предлагая более привлекательные условия. Фактор отложенного спроса, доминирующий в середине лета, к октябрю уже исчерпал себя, хотя на фоне кризиса и наблюдается повышенный спрос потребителей на дорогостоящие покупки – россияне опасаются затяжной волны коронавируса.
