"Electronic Commerce, commonly known as (electronic marketing) e-commerce or eCommerce, consists of the buying and selling of products or services over electronic systems such as the Internet and other computer networks." ~~adopted from Wikipedia.com
E-government is refers to the use of new information and communication technologies (ICTs) by governments as applied to the full range of government functions. In particular, the networking potential offered by the Internet and related technologies has the potential to transform the structures and operation of government.
The implementation of E-government was initiated by introduction of Multimedia Super Corridor (MSC) in 1996. The core projects of the e-government are as follow:
Generic Office Environment (GOE) Electronic Procurement (eP) Human Resource Management Information System (HRMIS) Project Monitoring System (PMS) Electronic Services Delivery (eServices) Electronic Labor Exchange (ELX) E-Syariah
For more information regarding the implementation status, please visit the link below:
The researchers in England found out that some of the crucial from the rubbish bin which enable to fraudsters easily to steal your identity. These included: • Discarded bank details • National insurance numbers • Mortgage documents • Copies of passports • Credit card numbers with expiry dates and signatures • Blank cheque • Unopened letter
In other words, some personal information that we unaware throw into rubbish bin might steal by fraudster easily and make transaction without our notice. These include a date of birth, mother’s maiden name, password or any unopened letter could initiate fraudsters.
There are some recommendations that can reduce fraud: 1. Check your credit report every month to prevent other people using tour identity illegaly 2. When move house, tell everyone that you have moved and ensure mails sent to old house address is then forwarded to you 3. Don’t leave a paper trail in rubbish bin 4. Destroy properly for unused item like photocopy of identity card
There are certain sayings that corporate blogging is a waste of time. That's true, if the company did not maintain the quality of the blogs. In Forrester research, there is only 16% of trust of corporate blogs. Who is going to waste time on quality-less blog? These have leads to why most of the blogs fail in the market. Other than that, there are also certain mistakes in blogging a corporate blog. There are failures in corporate blogging, but there are also successors in corporate blogging.
Other than that, there are also certain researches says that 39% of those who blog at least once a month trust those corporate blogs. Of course, there are certain tactics that have been teached in the research. It says that, it is better not to blog about the products, but problem on what the customer is facing with their products. This shows that, if a corporate blog have been done correctly, it will bring profits to the organization.
There are so many successful e-commerce websites in Malaysia, http://www.malaysiaairlines.com/ is one of those websites. This is a website that offers airline's promotion and allows customers purchase airline ticket. For my opinion, it is easy to purchase ticket as compared to http://www.airasia.com/. All transactions are easy to be done through this website by following all the instructions that provided.
Step 1 : Select the flight option that best fits your needs such as origin, destination, date depart and return, and number of passengers.
Step 2 : Select your preferred flight and fare combination. As picture above, you can choose either one among the four colors that represents difference flight and fare combination.
Step 3 : Review the particulars information that you have entered before. The page would show the final amount you have to pay.
Step 4 : Choose the payment you preferred like credit card, online banking etc. If you have followed all instructions correctly, the purchasing process is done.
In short, this websites is considered as user friendly because it has provided clearly information to user. For example, it shows all the flight fare calculation, payment method that has been choosen, and relevant information like Infuenza A (H1N1) update and advisory. For my opinion, this websites has performed successfully as e-commerce site.
Mobile payment is using mobile device to make transactions via an intermediary, or directly without an intermediary for purchasing goods and services and any other payments. Such systems playing an increasing important role in this 21st century. It has been widely use in Asia and Europe, which included Malaysia.T
The potentials of mobile payment systems include:
Location free-access
Ease of use, convenience, and user-friendly
Avoidance queue
Independence of time and place
Reduce the numbers of cards carried in wallet
Make ubiquitous purchases
Complement to cash
Where, mobile payment can generate annual savings of up to 1% of the GDP and increase operational efficiency and productivity levels through expedient payments and receipts of funds. More information can find athttp://www.dailyexpress.com.my/news.cfm?NewsID=57966
Strategies to promote mobile payment systems:
Enhance security and trust in mobile payment service providers
Eg. A transaction record and documentation should provide which enables consumer made follow-up on past payments easily.
Compatibility of mobile payments
There should have consistence between an innovation and the values, experiences, and need of consumers.
Simplify of mobile payments
They should simplify the mobile payment methods such as formats of SMS, registeration procedures, billing arrangements and etc.
Network externalities and creation of critical mass
It is very important because it significantly affected amount of other consumers to adopt this payment system.
Nowadays, more and more people is applying credit card. And this make the credit card debts are increasing rapidly. For Malaysia, the current credit card debt stood at RM24.4 billion but it was relatively low compare to others religion such as England which is facing a trillion of debts. The credit card debt is creating more and more stress.
Here are the some causes for credit card debts:
-Less income, more expenses -Saving little money or not at all -Divorce -Poor money management -Hoping to win lottery -Underemployment -Big medical expenses -Financial ignorance -Non financial communication
Here are the some methods for prevention of credit cards debt:
-Try to get the better offer from the credit card company- this can help to reduce the debts. -Pay more than the minimum payment require by the credit card company or settle all the debts before making further purchases. -Cut all the credit card; just remain one for emergency use. -Use the equity to borrow personal loan to settle the credit cards debt, because normally the personal loan’s interest is lower than the credit card debts’ interest.
You can use Touch n Go cards to buy burgers???!!!! This might be an advance in the use of touch n go card for the Malaysians, since most of us knows that Touch n Go cards are only applicable on LRT stations or tolls at highway.
But Touch n Go will only be just a system which not much Malaysian will used it, as long as they did not fixed on their major problems. There are certain criticisms with the Touch n Go cards. Other than that, we can realize that there are just a few reload counter. Although they have allow reload of Touch n Go at ATM machines, but what about those who does not possess an ATM card? Or does not use the highway?
Other than that, the maintenance of the Touch n Go card reader. Since the Touch n Go card have been able to be accepted in buses, such as RapidKL, they should be maintaining the machine, so that the "bus takers" will be able to use the system.
Step 2 : Select your preferred flight and fare combination. As picture above, you can choose either one among the four colors that represents difference flight and fare combination.
