The Erudition of E-commerce

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E-learning is a new learning concept by using the internet technology. This technology is used to support the learning process. It is also known as distance learning. In university nowadays, e-learning is largely used because it provides a learner-orient environment for the lecturers and students. There are some Pros and Cons of e-learning from the students’ perspective:



Pros


E-learning has brought its great advantages to all students through its accessibility. It helps the students to communicate with their tutors about their subjects and studies and access the teaching materials through e-libraries. This will help them become much easier than face-to-face communication.


Besides that, e-learning is time flexible. Whenever students can get an internet access, they can get online resources anytime and anywhere. They also can ask their tutors about the subjects rather than making appointment in a limited consultation time.


E-learning is becoming more and more popular among students nowadays. E-learning can help them to save money on travelling expenses, accommodation, food and high tuition fees. Therefore, now they can afford getting higher education degrees at respectable universities and colleges.

Cons


One of the problems of e-learning is lack of face-to-face communication tutors that will lead to lack of understanding between a student and a tutor. When a tutor cannot understand a student well, he or she may not know what a student’s interests, needs and motivations. Therefore, a student will then become lazy and not motivated enough because there is no fixed time for their e-learning. They will leave their work until last minutes.


Besides that, online classes and discussions are time limited and totally exclude emotional interactivity. Because of this, some of the universities and colleges that provide online courses involved voice communication through networking technologies but there is still lack of gestures and feeling of presence.



Related link:

http://www.articlealley.com/article_78603_45.html

Blogging activities have been attracting media and public eyes for the last few years. The amounts of registered blogs are increasing tremendously over the recent years. Blogging activities are popularized and appreciated by many internet users. It has been regarded as an effective communication tools for business.

Corporate blog is published and used by an organization to reach its organization goals. The main purposes of blog usage for companies are

1. Brand building

- By providing corporate blog for a company, it enables customers to have a chance to interact with the corporate members. Customers are given the opportunity to get to know more about the corporate operations. Besides, corporate members can present company’s views and aspects much more clearly.

2. Customer service

- It enhances the relationship between corporate management and customers. Customers are able to voice out their feedback in an informal way while corporate management can increase the satisfaction of customers. Hence, indirectly it increases the corporate productivity and sales volume.

3. Promotion

- Other than being a communication tool, blog can be used as a marketing tool. Corporate management can advertise and provide precise information about the products through blogging. For example, DELL , its employees will post entries whenever there is newly launched product, or some new information regarding innovation in IT and etc.

Advantages of Corporate Blog.

- Create leadership and Innovative branding image

- It is a new, informal ways of communication tools to interact with communication with a effective ways

- Improve basic e-marketing results as it can increase traffic of users, availability of information and finally, create online brand image

- It also serves as a new channel for customer service. It generates valuable information feedback from the readers and stimulates improvement in media relations online.

Disadvantages of Corporate Blog.

- Risk of losing key management personnel as employees may promote themselves to competitors through blogging activities.

- Legal issues may arise as employees are not familiar with the legislation of blogging activities.

- Employees are unable to deal with negative comments.

References

Business TV Show: YPulse founder: what makes a blog great


flowers.com.my
is a fully owned subsidiary of CARI Internet Sdn Bhd and began active operations in the year 1999. In starting up the business, the founder has but one clear goal in mind, that is to provide the most convenience way for people to purchase flowers and gifts, especially the rapidly growing online community.

With this goal in mind, he has decided to start as an online florist instead of having a shop first. Since inception, flowers.com.my has experienced tremendous growth in the process, they have since successfully established a network of over 60 florists throughout Malaysia with the trustworthy relationship to ensure quality of our suppliers and delivery channels. Now, they have their first retail shop in Kelana Jaya and more to come.

Reviews:
1. The type of products they offer are such as flowers, cakes, gifts, soft toys, fruits and others.


2. The download speed is quite good as there are no flash player, music player or other players embedded inside the website, users can get a smooth download speed of the website.


3. The design and layout is attractive with pictures of flowers around the web pages. Users can take a look at the pictures of the flowers available for sale. The price and product name is found beside the picture. They had categorized the flowers according to occasions such as celebration, appreciation, happy holiday, personal, business, condolences and special. This helps users to speed up the process of choosing the appropriate flowers for the event.

4. There is no search engine in this website.

5. Shopping carts are available in this website, so users can purchase flowers online through this website.


6. Cash out features that are available in this website, such as Master card, Visa, Maybank, Mobile money and PayPal.

7. The color used in this website is pink and white. It really suites the website.

8. In terms of navigation, it is simple and easy to use, users can follow the link and click to their desire webpage. Users just have to follow the step by step instructions to purchase the flowers online.


Malaysian Administrative Modernisation and Management Planning Unit (MAMPU) is a central agency under the Prime Minister Department entrusted with the task of introducing administrative reforms in the public sector to upgrade the quality, efficiency, effectiveness and integrity of Malaysian public service in accordance with national goals. Hence, myGovernment is initiated as the single gateway to information and services provided by Malaysian Government agencies on the Internet.

Current applications available
There are many applications available on http://www.malaysia.gov.my/ and they classified in 4 major categories which are:



myServices is improving the level of conveniency of citizens to interact with government agencies. The most popular services available online are Job application, Traffic summons, EPF account statement enquiries, e-filing income tax form and etc. Besides, it provides a search engine to enable users to perform an advanced search on the services they are looking for.


myForms enables citizens to download forms online which is more convenient and contributes greater economic benefits. Examples of forms available are Certificate of Accreditation Application Form, Passport Application Form, Scheme Machinery Ownership Application Form, and etc.




myBayar enables citizens to pay all kind of fees or fines online. For example, Fines payments, purchase of GPS, renewal of license and etc. With such applications availabe, citizens can save time and cost in travelling and queuing to make payments.



myNews acts as a news center which contains latest news and updates the citizens with the events happened in Malaysia.

Problems encountered by consumers
1.Complexity
Some of the consumers may think that online applications are more complex compared to offline services. This problem is often encountered by consumers with limited computer or IT knowledge. They would prefer offline services as officers will guide and consult them.

2. Security Concern
Certain consumers are having a perception that their personal information will be revealed by third party by using online applications. They do not feel safe or secured to proceed their transactions online.

3. Language Barriers
In current mode of e-government of Malaysia, there are only two languages available which are Bahasa Melayu and English. Some consumers find it difficult to understand or assess as they are not familiar with the language used in the website.

Recommendation
Government should improve e-government's public awareness to encourage consumers to use online applications or services and to promote efficiency. Besides, government should provide proof to consumers that their information are protected and safe to make online transactions. The website should be developed into a simpler website to avoid complexity. Finally, more languages should be available for the consumers to choose as display of the e-government website.

Related Links
www.malaysia.gov.my
http://www.intanbk.intan.my/psimr/vol1no2/articles/5.%20Malaysian%20Electronic%20Government%20Adoption%20Barriers.pdf

Mobile payment systems are a form of money transaction from consumer through mobile device. It is a potential system as mobile phones are almost a necessity for everyone. In Malaysia, there are 16 million mobile phone subscribers and this might just bring the payment system to another level.

There are a lot of mobile payment systems but they all have one thing in common. That is to settle bills, payments, transactions and etc through the mobile device. Some of the examples are Mobile Money, Celcom and Maxis. The most significant system at the moment is Mobile Money because of the simplicity of the system. As these type of payment systems are new, a lot of consumers and merchants do not have the confident in them. In fact, the system actually gives more options and opportunities to all.

How it really works (example for Mobile Money)

  1. Customer places an order and chooses to pay with MM.
  2. Merchant bills the customer via IVR, Mobile Money website or SMS.
  3. MM sends a SMS requesting for customer's 6-Digit Security PIN to approve the payment
  4. Customer sends the security pin and MM request for bank approval upon transaction
  5. Upon receipt of bank's confirmation, MM will send a payment notification with details to merchant as well as customer.
  6. Delivery of goods
Potentials in this system

As Malaysia is focusing on e-commerce and the consumer mindset is usually focused on simplicity and effectiveness, this system will definitely work with proper marketing and promotion. It replaces the usage of cash, checks and even credit cards for smaller transactions such as parking fee, food and beverages, and even movies.

Reference
http://www.neowave.com.my/mobilemoney_overview.asp


A credit card is part of the payment system using a small plastic card that issued to users. It is issued after the credit provider has approved the users’ account and the cardholders can start to use it to pay for goods and services.

Nowadays, users always face financial problems. After research, most of these problems come from credit card debts. This is because the users overspend and cannot afford to pay the debts at last. There are reasons and ways to prevent the overspending of credit card:


1. No saving
Saving regularly is important part of money management. If there is no saving or saving too little in saving account, users will rely on credit cards to cover expenses when uncertainty happened such as accident. This will be a common mistake that increase the users’ credit card debts.

2. Poor financial management
This is also one of the common causes of high credit card debts. Financial management includes everything from income to bill paying, saving and investment. Fail in planning one area will causes problem in other areas. For example, if a user forgot to pay the credit card bill for a month, he or she will have to suffer high interest rate for late payment.

3. Overspending
Spending too much on something that just to satisfy personal need such as entertainment will also cause high credit card debts. Most of the people nowadays especially teenagers do not how to control themselves from swiping the credit card just to get what they want. They think that there is not a limit for them to shop but at the end of the month they will have to suffer credit card debts.

Prevention methods:

1. Saving
One of the ways to prevent is to set up an automatic monthly transfer from checking account to a saving account. With this system, users do not need to worry about forgetting to save money every month. Besides that, when uncertainty happened, there will be a sum of money for backup.

2. Have a good financial planning
One of the easy ways is keeping a calendar for payments are due. This is an effective way to keep on top of your due dates and avoid late payment. Besides that, users that do not have any knowledge for financial planning can also look for a financial consultant to assist them.

3. Budgeting
It is important to make a budget for necessary expenses each month. Besides that, find out the expenses that you do not really need every month and eliminate them. Every time before buying something, ask yourself whether do you really need those things.

Related links:
1. http://en.wikipedia.org/wiki/Credit_card
2. http://www.pcbs.org/credit-cards-can-encourage-overspending/
3. http://www.3debtconsolidation.com/creditcardmistakes.html
4. http://seekingalpha.com/article/20337-guide-to-credit-cards-how-to-avoid-overspending-with-credit-cards



Touch 'n Go

Touch 'n Go is used by Malaysian toll expressway and highway operators as the sole electronic payment system (EPS). The credit card sized smartcard made of plastic with Philips' MIFARE microchip technology embedded in it. The Touch 'n Go systems are designed to process up to 800 vehicles per hour to ease the queue congestion at toll plazas. Users can top-up the Touch 'n Go with any amount in locations such as LRT station and toll plazas.
Now, Touch 'n Go can be used in fast food chains like Dunkin Donuts, Baskin Robbin, A&W and Burger King. Touch 'n Go facility was also embedded in Buy N Fly loyalty card rewards program for Malaysia Airlines retail arm, Golden Boutiques Sdn Bhd's which was launched in December 1999. The hybrid cards have multi function on rewards airpoint, MEPS Cash & Touch 'n Go.

Octopus Card
The Octopus card is a rechargeable contactless stored value smart card used to transfer electronic payments in online or offline systems in Hong Kong. The card is launched in September 1997 to collect fares for the territory's mass transit system, the Octopus card system was the first contactless smart card system in the world and has since grown into a widely used payment system for virtually all public transport in Hong Kong.

The Octopus is also used for payment at convenience stores, supermarkets, fast-food restaurants, on-street parking meters, car parks, and other point-of-sale applications such as service stations and vending machines.

Related links:
1. http://www.touchngo.com.my/
2. http://www.octopuscards.com/enindex.jsp